davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SIMMONS FIRST NATIONAL CORPORATION (TN)

On XX/XX/21, i called Simmons bank 's corporate office regarding our debit cards, because it is getting close to the expiration date on our existing cards. I was told by the customer svc representative that our cards would be sent out that same week. The cards never showed up, so on XX/XX/21, i called the corporate office of Simmons Band and spoke to a customer svc representative named XXXX. I explained to her my concern that it was getting close to the expiration of our debit cards and she told me that my wife 's debit card had been sent out the previous day. As of today our debit cards have not showed up, so someone is giving us the runaround. For what reason. This is not the first time i have had to file a complaint against this financial institution.
Consumer complaint received 2020-10-18
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BMO Bank, N.A. (WI)

In XXXX after 2.5 years of negotiating while considering bankrupcy, we finalized through our lawyers and BMO HARRIS representatives XXXX XXXX of XXXX & XXXX for a Settlement Forbearance on our 3rd mortgage with BMO HARRIS of XXXX settled for XXXX with XXXX down and 60 payments of XXXX. 

We have made every payment on time and continue to do so as recorded on every statement of ours through BMO HARRIS and showing in all BMO HARRIS records.

BMO HARRIS has transferred servicing of loans to a company named XXXX XXXX  XXXX ( XXXX ) representing BMO HARRIS. 

Since this transfer occurring in XXXX of XXXX we have received through mail and multiple phone calls from BMO/XXXX, requests for, with total disregard or acknowledging a former agreement ( with payments made and accepted to and by BMO HARRIS ), for the full amount. 

There is no longer any communication available or successful with our former contact of XXXX XXXX or a successor on any BMO HARRIS phone line, extension or email. 

Our payments of XXXX are being made directly now through cash payments at the BMO HARRIS location in XXXX WI and are showing as accepted by BMO/XXXX. 

With every phone call the BMO/XXXX representative will again start over and request setting up payments on a full due amount of over XXXX. This is unsettling and we are told by our lawyers this is in violation of the FDCPA. 

We are requesting by BMO/XXXX, validation of the Settlement agreement in progress, a confirmed process of future payment, a reliable and consistent contact to work with towards a successful completion of the agreement, consistent credit reporting as " charged off '', " paying under partial payment agreement '', and as of a last payment monthly or upfront to reach XXXX as " settled '' or " paid in full for less than the full balance ''.
Consumer complaint received 2015-09-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CO)

I have a Federal tax lien that was released, reporting on Equifax and XXXX. According to everything I have read on the laws, released tax liens must be removed within 7 years of the filing date. I have disputed this with the bureaus, as the filing date was more than 10 years ago. XXXX removed it. Equifax and XXXX have neglected to investigate it properly and remove it. The credit bureaus keep violating my rights as a consumer to have fair and accurate credit reporting.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The state of my credit report is profoundly concerning, and my dissatisfaction is comprehensive. It is not just highly embarrassing ; it is evident that either you or the company bears responsibility for reporting this inaccurate information.I AM NEVER LATE IN THIS ACCOUNTS
Consumer complaint received 2017-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (KS)

I 'm a  XXXX   XXXX   XXXX   XXXX  with a   XXXX   year child. I tried to refinance my house and use some of my equity in my home to pay for my  XXXX   year olds educ ational expenses. Over one year ago the title company came back and said the title to my home was clouded as a result of clearly fraudulent assignme  nts by OCWEN.
Enclosed you will find the title opinion from last year. OCWEN REFUSES TO EVEN ADDRESS THIS ISSUE.       How can this be right? I am entitled to use the over  XXXX  in equity in my home and ca n't as a direct result of fr aud by OCWEN. I simply have asked them to fix the assignments. I wanted nothing from them other  than to do what is legally required.
Consumer complaint received 2016-09-07
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (NV)

Even with a XXXX balance, Macy 's Credit ( CitiGroup ) charges a {$2.00} interest free each month. They also participate in a Residual Interest scheme, so even if you pay off your balance by your due date, they will charge interest on that balance. This is not explained or adequately disclosed.
Consumer complaint received 2016-02-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NC)

I have filed XXXX disputes with Equifax for a judgment being reported as satisfied. It was reported in error, and paperwork was completed and recorded to cancel the judgment that was recorded in error. The other credit agencies have accepted the cancellation document that was recorded by the court. Equifax does n't seem to understand the difference between a satisfaction and a cancellation. If they want to report the judgment as " cancelled '' that 's fine. It is showing as " satisfied ''. I would like it to be removed or corrected.
Consumer complaint received 2020-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

In XXXX of this year, our state shutdown over the covid crisis, and I was not going to be able to work for an unspecified period of time. I made XXXX payments for all my cards and services, but would be unable to pay my obligations through the remainder of the shutdown period. The IRS postponed payments through XXXX. I contacted all my cards and services in XXXX, and my student loan, XXXX  XXXX XXXX, XXXX and XXXX all suspended payments to XXXX of XX/XX/2020. American Express also agreed to work with me during this period. In XXXX, I received a text message from AMEX stating I was past due. I contacted them immediately and was told that I was ok, it just takes a while for the deferment to enter the system. However, in XXXX, I began receiving daily phone calls from AMEX, claiming my account was past due. I was in phase 3 of California 's reopening and didn't go back to work until XX/XX/XXXX. I called AMEX and told them I would be able to start making my payments again in XXXX, that my account was mistakenly placed in past due status, and asked if they could remove the late fees and past due amount. They refused and stated I was responsible for the past due amount. A week later, California shutdown again and I haven't worked since. I was eventually forced to get unemployment insurance, since I needed to start making payments in XXXX. I made a XXXX dollar payment to AMEX as my XXXX payment, and filed a complaint with the XXXX. AMEX contacted me and told me they do not make adjustments to past due amounts and they had already given my account to a collection agency, and would have to discuss it with them.
Consumer complaint received 2015-05-20
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC. (FL)

First of all, Asset Acceptance , LLC is trying to make me pay an account that I do n't remember. Their collector told me this debt started in XX/XX/XXXX with another company. This date makes the debt beyond Florida statute and the seven-year credit history. The collector also said her company had this account since XX/XX/XXXX. From XX/XX/XXXX-XX/XX/XXXX, no one has shown me the contract but this company had time to call my family asking about me after I mail a letter asking them not to call. They also refuse to show me the contract. The collector wants to tell me what on the contract in her words. I want to see it myself because she is the same collector that said she does n't know Florida 's time limit law. These are my disputes.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXXAccount # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

An agency reported a delinquent account on my record, of which I requested documentation to support their claim. I got nothing ... and when I fIled a dispute with Experian they did nothing but ask the agency to validate their claim. They responded with it was accurate? How in Gods name is that response to validate a Claim dispute? Wheres the validation????? This is a scam and ought to be carefully looked into.
Consumer complaint received 2016-10-03
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MN)

I applied for a credit card and they sent a denial notice and the reason and the reason was I had and auto loan out that the car had been repossessed and I owed a large amount of money I 've never owned a car and never even applied for a car loan.
Consumer complaint received 2017-04-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (FL)

On multiple occasions over the course of  XXXX  and  XXXX  I have made several phone calls and written letters regarding my debt and payments on my account and at every occasion the representatives have bullied me into payments I 've told them numerous times I can not afford they have even canceled several of my payments and mailed back the check and letters I 've mailed them. I have requested they send my account back to the original creditors because I no longer want to deal with them because of their methods to squeeze more money out of me than what I owe.
Consumer complaint received 2016-06-07
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

USSA has a CD in the amount of {$3000.00}. Which secures an XXXX XXXX Credit Card. Once again I have made a payment of {$2300.00} which cleared the account that on XXXX XXXX, 2016, posted to the USAA account on XXXX XXXX, 2016 but still not showing in the available credit. The reasons stated for payments to be held by USAA are account bring over the limit, account being delinquent, account receiving multiple payments, account delinquent, account over the limit, payment amount history over the limit and or payment returned. I wanted to know which category this account falls into and I was told multiple payments in a short period of time. So my question was you do not want the payment, but prefer that the account goes over the limit, or become delinquent? XXXX then told me that the payment would post at midnight tonight. I asked to speak to someone in the XXXX. I was transferred to XXXX who told me that over the last 6 months the payments have been held. I explained to XXXX that I had filed a complaint with the Consumer Financial Protection Bureau and in fact that the payments had posted to the account in XXXX and XXXX of 2016. In addition, the same office he sits in placed a call to the XXXX XXXX XXXX XXXX and confirmed the XXXX payment had in fact cleared the account. That day it was stated the additional payments would clear for three months. But we are here again. A payment of {$270.00} and {$500.00} plus was credited to this account during this very time period. 
When a financial institution can hold payments for all the reasons listed above but none apply to the account in question, and the person reading the notes on the account can disavow the actual transactions in which have taken place leaves questions as to the validity of the account payments being held. I am questioning that validity. 
Additionally, I also have auto insurance with this same company but in the last 6 months, I have had to call XXXX and had to wait for 3 hours each time. I pay the insurance but could not obtain the services in the initial time told ( 30 minutes ) to be towed. 
This is a company that projects its services to Veterans, but to what extent are they providing the services they advertise?
Consumer complaint received 2015-05-06
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc. (IA)

My mortgage servicing company ( Dovenmuehle, or DMI ) reported my mortgage as being paid for less than owed, despite the fact that it was a Veteran Affairs ( VA ) backed mortgage. As such, the VA paid the full amount to DMI, and DMI did not end up losing money on the property. The full loan amount was paid by the VA. 

Consequently, DMI should not file a negative note on my loan, stating that it was settled for less than the owed balance.
Consumer complaint received 2015-03-23
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (NC)

Discover Card has stolen {$2800.00} from my bank account and not returned it in over 6 days XXXX so far XXXX. 
Details:1. My XXXX cycle closed on XXXX. I paid the balance in full on XXXX. I have " DirectPay Full Balance '' scheduled to pay the full balance from my checking account about 5 days before it is due. That automatic payment date was XXXX, but the XXXX balance was {$0.00} at that point. 
2. On XXXX Discover informed me that my account XXXX have been compromised and that they were sending new cards with a new account number. 
3. On XXXX Discover debited my checking account for the balance on my account for charges from XXXX to XXXX, which was {$2800.00}. 
4. I spoke with Discover customer service on XXXX. They admitted there had been a mistake on their part and that the {$2800.00} would be returned to me. They offered to mail a check or do a wire transfer. I requested a wire transfer and was told it took 3-5 days. Calls to Customer Service on XXXX and XXXX produced excuses that it was being processed and would take a few more days. It is now XXXX and Discover still has my {$2800.00}. 
5. It is fortunate that my checking account was not overdrawn by Discover 's " mistake ''. I can see how forthcoming they would be making that problem right. 
6. When I make a payment from my checking account on my Discover account, it takes less than a day for the transaction to complete. For Discover to make a deposit into my checking account and have it take over 6 days should be unlawful.
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

I am writing to request your assistance regarding an issue with Discover concerning both a personal loan and a credit card account. During the XXXX pandemic, I negotiated a reduced payment plan due to my business closing, agreeing to a payment of $ XXXX monthly towards a {$4000.00} loan. Additionally, I was only {$430.00} short of paying off a {$3000.00} credit card balance when Discover unexpectedly closed both accounts and transferred them to collections without any clear justification
Consumer complaint received 2017-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (LA)

I conducted a serious of disputes regarding suspicious negative items on my credit report in XXXX and the items pertinent to the disputes were deleted. I distinctly remember a fraudulent charge under {$200.00} that was attributed to an address at which I did not reside-one XXXX XXXX at XXXX, TX. Incidentally, following the resolution of the dispute, a department at the XXXX of XXXX referred the " deleted debt '' to an agency called " XXXX XXXX XXXX '' The item was already deleted as the dispute demonstrated that the debt was unfounded and not mine, yet it is being reported once more. I contacted Contract Callers Inc and spoke with a XXXX XXXX, who stated explicitly to me that the company is unable to suspend the account on-file with their office to begin an investigation of sorts to get this matter resolved without obtaining my address to provide me a fraud packet. As I understand it, despite what she said to me, a police report is not needed to move forward with such claims, nor is a company obligated to use a 'fraud packet ' as the sole basis for an identity theft investigation. It was an aggression and deceit that which the collections representative XXXX XXXX employed to obtain personal information from me despite the fact that as a victim of identity theft, I did not feel comfortable giving a company unknown information after already having to use my SSN as self-verification. The information she provided regarding the procedure is untrue just as much as the company is wrong for seeking the fraudulent debt that which has already been permanently removed from consumer reporting agencies.
Consumer complaint received 2015-09-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have no relationship, financial or otherwise, with Kohl 's Department stores. Between XX/XX/XXXX and XX/XX/XXXX, Kohl 's made XXXX separate withdrawals done by EFTs through XXXX from my checking account at XXXX totaling {$1300.00}. This was caused, apparently, because of the transposition of XXXX numbers in the Kohl 's card holder 's checking account that is also with XXXX in XXXX XXXX. The transposition of the XXXX numbers by either Kohl 's or the card holder resulted in the funds being taken from my checking account, obviously without authorization from me. From my perspective, Kohl 's illegally withdrew these funds from my checking account at XXXX. Their failure to correct their error amounts to theft from me.
Consumer complaint received 2016-02-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened a joint Capital One 360 checking account online with my partner for the sole purpose of having our federal income tax refunds deposited into it. We both had to answer security questions to verify our identity. Both of us answered correctly. Per our request, Capital one mailed out our cards to a trusted friends address due to us having a huge mail theft problem in our area. We had no problems with the account until the day our refunds were deposited. Spoke to a CSR that stated our account was closed after further internal review after the account was opened. Even spoke to a supervisor that stated the refunds would be rejected. They did accept the refund deposits. Now we have over {$8200.00} in that account which we are being denied access to.
Consumer complaint received 2015-12-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

I am filling this complaint because Equifax has ignored my request to provide me with any documents that their company has on file that was used to verify the accounts I disputed. Since they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank You.
Consumer complaint received 2016-09-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Valentine and Kebartas, Inc. (FL)

We signed up with XXXX XXXX XXXX XX/XX/XXXX and had an automatic draft to pay for services. We never signed a contract for any length of time with XXXX or XXXX XXXX to provide security monitoring for our home. As a security monitoring service, we understood that the agreement was month-to-month, and that all we would need to do to cancel the service was to contact XXXX and cancel the service. I am a member of the military and received orders to move XX/XX/XXXX. As there were many distractions with the move, it was n't until XXXX XXXX that I called to cancel services. I was told that I would have to cancel with the Home Owners Association, which sounded odd. When I called the Home Owners Association, I was told they had no part of our security monitoring system. I called XXXX back ; they again told me to call the Home Owners Association. I told them I did that and that was n't the case, so they reluctantly said they would cancel service. The following month, XX/XX/XXXX, a payment was drafted, and I called again to figure out why. The representative said to cancel with the home owners association and I told her of the previous exchange. After some coordination on her part, she assured me that service was terminated and that we did not owe anything on our account. She said the account was closed and there was no outstanding balance. Following this conversation, there were no more bank drafts. Then we received a letter from XXXX XXXX on XX/XX/XXXX saying we owed {$260.00}. We called XXXX XXXX between the XX/XX/XXXX-XX/XX/XXXX, and spoke with XXXX XXXX. He looked up our account but it did n't report an outstanding balance, so he told us to disregard that letter because it was probably a mistake. Then on XX/XX/XXXX we received a letter from Valentine & Kebartas for a debt collection in the amount of {$300.00} related to XXXX XXXX. I wrote a letter disputing the debt. We received another letter on XX/XX/XXXX from Valentine & Kabartas notifying us that they are " confirming our payment arrangement '' in the amount of {$300.00}. Within this letter they provided a person to contact, XXXX XXXX, with any questions. I called twice on XX/XX/XXXX and was assured she would call back if I left a message, and still have n't received a call back.
Consumer complaint received 2015-05-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (TX)

I received a letter from XXXX XXXX XXXX stating that my account ending in XXXX with Chase Bank USA had been referred to them foe collection. 
I have a current copy of my XXXX Credit Reoprt that shows said account was " Closed at grantor 's request as of XXXX XXXX, 2014