davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-19
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A. (OK)

To Whom It May Concern : I have been a customer of Citi Bank since 2012 and have always paid my balance in full each month except for when I have a 0 % balance transfer offer. I was recently surprised to see various interest charges on my account. I now understand that since the balance was technically not paid in " full '' ( due to the 0 % balance transfer amount ) my account accrued interest on standard purchases. 

I feel this behavior is a UDAAP violation. The 0 % balance transfer is not beneficial to the consumer if Citi Bank just allocates the interest to standard purchases each month. The proper information about the balance transfer was not disclosed and XXXX different customer service representatives gave me conflicting information. 

Accordingly, I plan to pay off the entire balance including the balance transfer immediately. I would like the balance transfer fees ( XXXX XXXX in the amount of {$210.00} ) credited to my account. 

Best,
Consumer complaint received 2016-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: National Recoveries, Inc. (OH)

I am being harassed, threatened, and abused by student loan collection agency. 
I have a right to cancel the loan, victim of identity theft, they failed to accurately inform me of my borrower rights, acting in an aggressive collection tactics, refused an affordable repayment plan, violating Fair Debt Practices Act, and refused to provide evidence of the original debt from XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2015-06-05
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Please see the following case numbers XXXX. 
# XXXX - # XXXX USAA finally gave me new credit cards and re opened my accounts. However, I was told that I had a " collection '' code attached to my new cards and I would not be able to use them. The company is so big that the person who opened and made my account available did not remove the negative red flags that were attached. Again I was on the phone for hours trying to work on this yet again. More wasted time. So if my accounts are in good standing and I have never been late. Then they should now be useable. They even sent me new cards. Also, I even offered to show proof of income. I want the codes removed from my cards so I can use them. Also to make sure nothing negative is reported to my credit report. This has been going on since XXXX, XXXX, 2015.
Consumer complaint received 2015-10-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (DE)

I have received numerous calls from this number via automated dialer when you call back it states please hold, then a message comes up that there is no one available. When you do pick up the call they hang up. I have called the company to advise them if they do call they will fined by law {$500.00} per phone call which is applicable. I have received multiple calls per day from this number. Which I have records of. Spoke to manager who said they will stop contact but he did not ask for a number to be removed.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX must be removed from report. I dispute this debt. I paid XXXX for telephone and texting to other cell phones. I became ill and started text ing landlines. texts did not go thru on landlines. XXXX wireless charged me {$290.00} for texting to landlines which could not would not go thru.
Consumer complaint received 2016-05-05
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: SLM CORPORATION (UT)

Salle May has been calling XXXX 8 times a day trying to collect payment on my sons student loan. Even after making a payment they continue to call non stop. I was told by them that the student loan is through a private insurer which happens to be Salle May and is not secured by the federal government.
Consumer complaint received 2016-10-06
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: EAST WEST BANK (CA)

East West bank asked me to be a guarantor for my husband 's business credit line because I have a house under my name and I did. When the loan was renewed for the following years, an East West Bank officer forged my signature as a guarantor. My husband 's business filed chapter XXXX and East West Bank sued me to get my house. After my deposition with East west bank 's council, they realized the fact that I was not the one who signed the loan docs. They are willing to drop my name from the complaint but not willing to reimburse me for my attorney fees to prove that they were wrong, and on top of that they are also demanding I pay their attorney fees for this matter as well. Please look into this. Not only did they forge my signature but they also violated Equal Credit Opportunity Act. When contacted by CFPB, they sent a response with untrue statements. They never dismissed their attorney fees and lied about me never requesting reimbursement for my attorney fees to defend myself against their frivolous suit. Their response also talks about the situation that has nothing to do with me, but rather my husband. The home is under my name, not my husband 's. That is the reason they illegally tried to go after me in order to seize my home since my husband has no assets. Totally illegal. This bank needs to lose their banking license. I am sure this is not the first time they have done this to other innocent, unsuspecting consumers.
Consumer complaint received 2015-06-16
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (GA)

A denial letter sent to me stating these reasons. XXXX serious delinquency, and derogatory public record or collection filed. XXXX number of accounts with delinquency. XXXX length of time since derogatory record or collection is too short. XXXX length of time accounts have been established XXXX limited credit experience. these reasons were all fraudulent!! the whole letter in my opinion was fraud. Chase bank does not make money on home loans less than {$50000.00} dollars. my fico score was XXXX
Consumer complaint received 2017-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Consultants of California (CA)

Collections Consultants of CA incorrectly has listed 7-8 debts per credit bureau. Despite my certified letter to them dated XXXX/XXXX/XXXX, they have failed to validate the many debts and keep incorrectly reporting them to the three credit union. Their lack of response is greatly effecting my ability to get a HELOC loan of which I am in need.
Consumer complaint received 2018-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IN)

On XX/XX/XXXX I filed a claim XXXXagainst XXXX for not being able to accurately connect me with student loans. You guys responded with none of the loans were of wet signature and all of them were signed via electronic. When indeed XXXX XXXX XXXX anything that I did it financially whether it was through XXXXXXXX XXXX XXXX or the money that I was receiving due to me being in a in foster care were signed with a wet signature. At this time XXXX XXXX XXXX  was over these alleged loans maybe you guys can acquire accurate information from them. Because I believe that's how the debt was given to XXXX. So they are accusing me of signing it via electronic when I did no such thing. 
If not able to do so then I demand accurate information about those years in question or to delete / remove the alleged debt permanently from my credit report. I want a investigation of fraud for the following amounts : {$5500.00} for Loan Sequence 1, and {$7700.00} for Loan Sequence 2.
Consumer complaint received 2015-10-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NY)

I am writing this regarding my mortgage servicing company Seterus, Account # XXXX. The phone # is XXXX. XX/XX/XXXX I received an escrow statement from Seterus the statement indicated that my mortgage payment of {$850.00} was increasing to {$1000.00} due to the fact that the escrow was {$1200.00} short and that my town taxes had gone from {$1900.00} to {$3600.00}. I contacted Seterus and told them that my taxes were the same as they have always been and there was no increase. Then asked why they were billing me {$3600.00} for town taxes. They instructed me to call their escrow company XXXX at XXXX. Upon contacting them I told them about the mistake in the town taxes and that the reason why the town levied them for {$3600.00} was because Seterus failed to pay the school taxes of {$1500.00} for the year XX/XX/XXXX. The town XXXX then added that figure to the town taxes of {$1900.00}. They also included interest of {$170.00} which they are holding me liable for. XXXX indicated to me that they would run a new analysis and correct the situation within 10 business days from XX/XX/XXXX I then proceeded to contact Seterus XX/XX/XXXX and they said they were waiting for the analysis. I contacted them again XX/XX/XXXX and was informed that it would be at least another 30 days to complete their analysis. I explained to them that they were over charging me {$250.00} on my original mortgage payment and they were also charging me the interest on the {$1500.00} from the school taxes that they failed to pay XX/XX/XXXX. The money was escrowed and still is being escrowed I was informed by Seterus that if I did not make the XXXX payment of {$1000.00} it would go against my credit report and that if I paid less than the {$1000.00} they would not apply the payment and I would still be held responsible for the full amount making me late on my mortgage. This is totally unacceptable I am being charged {$250.00} more per month on a mistake they made by not paying the taxes XX/XX/XXXX and my normal mortgage payment of {$850.00} is no longer valid. My town taxes consist of {$1900.00} insurance of {$530.00} and school taxes of {$1500.00} for a total of {$4000.00} instead they are escrowing {$5800.00} a {$1700.00} which is the school taxes plus the interest that they did not pay for XX/XX/XXXX which they are penalizing me for. 
Please help us in this matter for Seterus and XXXX have given us nothing but a song and a dance and are illegally collecting money that they do not have coming. Thank you for your time. 

Sincerely XXXX XXXX and XXXX XXXX XXXX XXXX, NY XXXX # XXXX # XXXX # XXXX
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CCB Credit Serivces, Inc (CA)

XXXX XXXX Hello, This inquiry is on my credit report that was pulled without my knowledge for a morgagte with XXXX XXXX I would like this removed as well as I did not receive a loan from this company and do NOT have any morgagte loan at all so I did not receive anything from this company and they are on my credit report and I have no business with them.
Consumer complaint received 2016-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CO)

An identify thief stole my information because my husband was hacked because he has a XXXX XXXX XXXX - along with about XXXX other families. XXXX incompetently ran my credit report for the thief. Thankfully, they did n't issue a card, but the inquiry hurt my credit score. I have asked EQUIFAX over a dozen times to remove the inquiry. They have also been asked by XXXX to do so numerous times. Equifax does n't answer the phone and their emails are spam, and they obviously do n't read their mail. They have made no attempt to help whatsoever. 

What is the fine for ruining my credit? My credit score was impacted, and this could potentially have created a higher rate on a car loan or other forms of credit. 

What are my rights and what can you do to make sure this does n't happen to others. Equifax should be fined at a minimum, but those fines should go to the people being impacted and ignored ... ..not to more government incompetence. This would n't have happened in the first place if people like XXXX would secure their servers .... 

Additionally, XXXX says it is their policy to run the credit report BEFORE verifying identity. This seems to be backwards. If this is an allowed policy, it should be changed immediately given that it is nearly impossible to get the inquiry, which negatively impacts your score, removed. 

After weekly calls to XXXX for over 2 months, they are saying that they ca n't find the proof that they sent the request without going to their archives for the fraudulent application. A person named XXXX is supposed to call back within 24 hours to get me their proof that they followed through ( like the other XXXX people who never called back before her ). 

I am copying my Congressman. Let 's see how this new XXXX works - I 'm interested as a tax payer to see this in action - and if it does n't work, it is a huge agency and we should shut it down. It certainly has been a disaster for the mortgage and title industries - let 's see how you do with credit reporting agencies. 

XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-03-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (VA)

I received notification that my Cashapp account was closed on or about XX/XX/XXXX. I haven't had any response until XX/XX/XXXX that said my account was closed and they don't recognize my bank.
Consumer complaint received 2016-10-13
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Clear Debt Solutions, LLC (AL)

The debt collector did not want to agree with the amount I could pay to help satisfy the debt so I told him that I could not do it and he refused so I hung up. The collector has contacted my ex wife of whom I have been divorced from for 10 years and he also have been contacting my job making threats. He has released all of my info to whoever answers the phone and this is becoming a problem.
Consumer complaint received 2016-06-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (OK)

Both XXXX along with Midland Funding LLC, are still attempting to extort money from me. Every year Midland Funding try 's the same XXXX.Every year they use XXXX of their many subsidiary companies to threaten and bully me. This year it is XXXX doing the dirty work. Allegedly I owe Midland Funding {$4200.00} dollars this year. As always neither Midland Funding nor any of their affiliates provide any legal documentation that that could be used in court to validate this fraudulent debt.
Consumer complaint received 2024-03-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

Hi i have been trying to contact cash app regarding on them closing my account without my concent my account was hacked and my money was stolen from it and cash app has not contact me back regarding this matter and they say theres nothing they can do right now they are not trying to fix my issue please help
Consumer complaint received 2016-04-27
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Bronstein & Weiss Arbitration (NM)

I have received several " spoofed '' calls from Weiss and Associates threatening to freeze bank account or deliver court documents for unidentified debt. Today, called work number and left pre-recorded message indicated that call originated from `` County Processing Servicing Division '' and wanted me to " make myself available '' between certain time frames for delivery of court documents.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I leased a car through us auto sales and was overcharged for the vehicle the vehicle was a XXXXXXXX XXXX XXXX  worth XXXX dollars they charged me XXXX for the car on XX/XX/XXXX. My payments was XXXX a month which was too high for me and I wasnt happy because the car value wasnt worth paying that much for a used car. I let XXXX XXXX XXXX  know that I couldnt afford it so they told me once Ive had the car for a year I could turn it in for something thats cheaper. They ended up getting shut down when my year came last year so I couldnt do the trade. The car broke down out of nowhere it wouldnt crank anymore it was going to cost over XXXX dollars to get fixed I couldnt afford that plus keep up with high payments. I asked for them to come get the car it was too much stress and I was token advantage of from the start with the sell. The company has now shut down everywhere and its still sitting on my credit thats affecting me from getting any car and I have giving the car back. They have so many illegal charges against them for the wrongful things they have did to customers. XXXX Wrongfully Repossessed my Vehicle turned it off so I couldnt use it when I was late making payments. XXXX Misapplied my Payments which had my payments so high because they was getting so much profit off of used cars.
Consumer complaint received 2015-08-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NC)

I have been working with ocwen for the last 8 months every time I send them some papers they called an tell me they need something else I get so upset at them they also tell me that they can change my monthly payment an they just keep chargeing us more an more my home was XXXX an now they say I owe XXXX an that 's not right can some one please help me I get so tired dealing with them they tell me every time they need more papers an then they say we ca n't put your back payments behind the loan I do n't understand why they ca n't an the people are very rude an some of them you ca n't understand all we want is for them to put the back payments at the end of the loan an we want them to quiet charging us intrest every month an then they told us they were going to foreclosure on our home an I told them that we want to keep our home they said they got to do what ever they need to do my nerves ca n't take much more an they will not take our payment unless we give them XXXX
Consumer complaint received 2015-10-24
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I am being wrongfully foreclosed on by Ocwen. They agreed to a short sale on XXXX/XXXX/2015 but OCWEN sent me the notice of trustee sale without giving me a notice of default. My Realtor XXXX XXXX XXXX has submitted several offers that OCWEN has not bothered to fully examine before declining nor they have not performed an interior BPO on the home to establish the value. They refuse to postpone the trustee sale which is scheduled on XXXX/XXXX/2015 even though I have no where to go, they have also refused to give me a moving incentive because they stated that I did not qualify BUT they never stated why I did not qualify.
Consumer complaint received 2015-11-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MA)

I refinanced my mortgage in XXXX of 2015. Ocwen Loan Servicing , LLC is the servicer of the new mortgage. Late in XXXX, I called Ocwen to inquire about my XXXX XXXX payment. I was informed by customer service that my first payment was due on XXXX XXXX and that I would receive a statement in early XXXX. 

Sure enough in XXXX XXXX, my first statement arrived stating that my payment was due on XXXX XXXX. 

Today, I called Ocwen because I noticed that my XXXX statement with XXXX due date included a past-due amount. I checked my account and both my XXXX and XXXX statements had been paid on time within the grace period. 

The customer service representative told me that in XXXX, Ocwen had realized a mistake on their end regarding my account and that I was supposed to have had a payment in XXXX. At that time, they re-applied by XXXX payment to the XXXX due date, and then applied my XXXX payment to the XXXX due date. All of this was done and no one ever contacted me until I received this bill. I am now being told that I am responsible for making my XXXX and XXXX payments within 30 days. 

Frankly, I am scared. I have always had good credit and paid my bills on time and now I am facing being reported to the credit bureaus, incurring late fees, etc. When I called Ocwen back in the summer, they did not have any sort of account set up for me, and I was told today by an " escalation specialist '' that they could not have received my payment at that time because my account had yet to be established. I was also told that statements in general are only a courtesy and that I could have just mailed my payment based on my mortgage refinance documents. When asked what would have happened to my check since I did not have an account setup at the time ( as told to me by their own representative ), she could not provide an answer. 

I am hoping that you can help me by holding financial companies accountable to billing their customers and setting up their accounts in a timely manner.
Consumer complaint received 2015-05-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (AZ)

This Phone number XXXX is harassing me every morning! Leaves no call back info. Does not identify themselves. This # calls every morning between XXXX -XXXX wakes me up!! rings XXXX times then hangs up. does not leave a message. I checked the web. Says from XXXX XXXX. Then another site says a cell # from XXXX. I called the # back, they do not give any information To identify themselves. the recording says to hold for aprox XXXX minute they are attempting to collect a debt all conversations will be recorded. i will not call this # again its an uncomfortable feeling to be put on hold with a unidentified harassing caller. If i owe money to anyone i need a written statement with proof of debt by mail. No one should be crazy enough to pay anything by phone. So the harassing wakeup calls early in the morning are indeed harassment. I logged all the calls so XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX @ XXXX ... Help please.