davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-09
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (NY)

I applied for a Sears store card. I got the card and I used it several times while I was in the store. I then received a call from Sears extended warranty service, and, like many others, I extended my warranty for the washer and drier paying with the Sears card over the phone. 
All is well. I got the bill and I paid it using the online banking. Next month, I received another statement that the bill was not paid. I checked the statements, and I found out that I also have a Sears Master Card for which I did not apply. I had paid the Sears store card, but the last charge was on my MC. I called customer service and complained. They said : Did n't you receive a letter to opt out? What letter, I answered. Customer service : We send letters to inform customers with Sears store cards that they are upgraded to a Sears MC. They can opt out. I do not remember receiving such correspondence. Even if one receives such thing, who would pay attention to the process of opting out to something you did not want in the first place? 
Finally, at my request, customer service canceled the MC and I kept the Sears card, the product that I wanted in the first place.
Consumer complaint received 2016-10-25
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: USI Solutions Inc. (TX)

I have an old outstanding credit card debt that I am currently paying to a debt collector, USI Solutions , Inc. on a monthly bank draft for {$150.00}. The debt collector assigned to my account will call me to attempt to close out the account with an agreed amount, which I have not been able to do. If I do not answer the phone for any reason, he immediately calls my sons, wife, and an old business partner which have nothing to do with my debt. I 've tried to reason with him and have told him to stop calling people who have nothing to do with this, but he persists and continues to call them, actually calling one of my sons this morning three times within a XXXX minute period on his cell phone. I want this to stop. I have an agreement with them, and I 'm doing my part.
Consumer complaint received 2015-10-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: VW Credit, Inc (NY)

I purchased a XXXX VW Passat TDI SEL XX/XX/XXXX. I took a 0 % interest 60 month loan with VW Credit. I made every month payment timely and was never late. On XX/XX/XXXX, VW announced that they had used " cheat devices '' in their TDI ( i.e Diesel ) vehicles. The intent of these devices was to violate American environmental standards. In particular, to cheat in meeting NOx emission output. VW immediately imposed a ban on its dealers from selling these effected new and/or used TDI vehicles. As a result, TDI vehicles have certainly lost significant value since VW has n't determined how, or if, the vehicles can be repaired to legally satisfy EPA emission standards. The matter is well know and rather than explain it further, I will instead address my complaint. I made a request to VW Credit to suspend additional loan payments until such time that the EPA accepts the remedy regarding the TDI scandal. I purchased the vehicle based on VW 's claim that the vehicle is a " Clean Diesel '' that provided efficient use of diesel fuel in delivering the rated MPG along with EPA complaint emissions standards. The sale was based on a lie and fraud on the part of VW. VW themselves do not deny the wrongdoing. I do not want to continue paying for this vehicle until I know that the vehicle satisfies all the conditions and expectations made to me when I purchased the car. 
I cite " 16 C.F.R. Part 433 : Federal Trade Commission Trade Regulation Rule Concerning the Preservation of Consumers ' Claims and Defenses ( The Holder Rule ). I am presently in a position of having to make continued payments for this vehicle in order to maintain my excellent credit ratings even though the vehicle was sold to me under fraudulent and possibly even criminal intent by the manufacturer VW. In addition, it is unknown if there is a fix for this problem. In effect I am being forced to pay for a what might be a worthless pile of junk to preserve a personal attribute that I 've worked hard to create ( i.e. my credit score ). I request your assistance in getting VW Credit to honor my request to suspend future payments until VW and EPA agree to a fix to this mess. I should not be held hostage, I am a victim of a fraud. VW is the perpetrator and probably even the criminal.
Consumer complaint received 2015-09-30
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: GVA Holdings, LLC (IN)

They found my number from somewhere, and they constantly call making threats that they will show up at my work on XXXX XXXX or at my home. This can not be legal. Then they state I have been notified and just hang up before I can even say anything. I am disputing and I told them that. Yet, they still call and make threats to show up at my work or home.
Consumer complaint received 2016-06-07
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Komyatte & Casbon, P.C. (IN)

I had a XXXX done on XXXX XXXX, XXXX. I received XXXX bill for this, which I promptly paid off. However, in XXXX of XXXX I received a notice from the collection company Komyatte and Casbon, P.C. that XXXX medical bills from that same XXXX had been sent to collections in XXXX of XXXX. I had NEVER received either of these XXXX bills that had gone into collection. I called Komyatte and Casbon and asked what this debt was for, since I had never heard of it. The lady I spoke with told me sometimes you do not receive bills for things and that she would send me a itemized list of what the bill was for. This did not sound normal to me, so I called the original company the debt was from. She told me what the charges were for, and that the debt was sent to collections in XXXX because of a bad address, meaning I NEVER received any bills for the debts. The first I was aware of them was after they went to collections. So I called Komyatte and Casbon back, made a payment plan, assuming this would prevent it from being reported to my credit score. The lady I spoke with said it does n't matter if I am making payments, it is still going on to show reported on my credit account as an account in collections. I then called XXXX XXXX XXXX ( the company the bill was from ) and spoke with someone who told me since it was n't my fault I never received the bill due to a bad address, that they would pull the account out of collections. However, after checking my credit score the account has now shown up on my credit score as XXXX accounts in collections. I never had a chance to pay these bills. The first I had heard about them was when they were sent to collections.
Consumer complaint received 2016-12-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (LA)

My mortgage company, US Bank Home Mortgage, is giving me the run-around and will not send out my flood insurance funds to me to pay for damages to my flood-damaged home. My house was flooded in XX/XX/XXXX in XXXX Louisiana. On XXXX/XXXX/2016, I submitted documents requesting reimbursement from MY OWN FLOOD INSURANCE FUNDS to reimburse me for my expenses. Previously, I spoke to XXXX different customer care specialists, and was told I only needed to send my receipts and a letter requesting reimbursement. I faxed all of this documentation on XX/XX/XXXX to US Bank 's Loss Draft Dept. On XX/XX/XXXX, I spoke to customer care specialist XXXX XXXX and was told the 'automated system ' did not recognize my request and was told it would be another 3-5 days. On XX/XX/XXXX, I called and customer care specialist XXXX XXXX told me that a reply from their Exceptions process was issued on XX/XX/XXXX that a new inspection would be needed. On XX/XX/XXXX, US Bank Loss Draft Dept XXXX XXXX left a VAGUE voice mail msg for me to call the Loss Draft Dept. When I called on XX/XX/XXXX, that 's when I was told about this new delay and that an inspection was needed. I have left msgs for XXXX XXXX, Supervisor, who has not returned my calls. My receipts, documentation, and previous inspection in XX/XX/XXXX should be enough evidence that I am repairing my flood-damaged home. I am requesting reimbursement of my expenses paid, and the remaining funds from my flood insurance check that US Bank is unlawfully holding and making interest off of my flood damage claim. Remaining funds left is approximately {$20000.00}. I am requesting a check made payable to me alone for this amount and to be expedited via XXXX.
Consumer complaint received 2016-08-16
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (CA)

I had a home looan with US bank. they were the " second '' position.I ended up becomin permanently XXXX and tried and tried to get a loan modification with them but they took months and months, emailing me, but NEVER gave me an answer. the first mortgae. XXXX, was just about to forecloose so, I had to do a short sale. I wonder why US bank didnt offer me a loan modification??? this was back in XXXX the escrow closed on XXXX XXXX XXXX. I sure miss my house. also.. I thought green tree was supposed to give me " relocation assitance '' but they say no, because it wasnt a " short '' wit them. they say US bank would owe me the relocation. soo.. I would like the relocation fee and an answer as to why they NEVER modified my loan?
Consumer complaint received 2015-05-05
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (VA)

US Bank XXXX XXXX XXXX Visa -- Bait and Switch advertising to get people sign up for the credit card. I was promised a free night with every reward booking, but the month after I signed up for the card and paid the annual fee, they took the benefit away.
Consumer complaint received 2015-05-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (FL)

U.S. Bank changed the terms of my FHA loan to an Adjustable Rate Mortgage ( ARM ) loan in an effort to force me into foreclosure ( XXXX ). Therefore, in order for them to carry out their plot of forcing me into foreclosure, U.S. Bank fraudulently increased my mortgage payments " on paper, '' via the mortgage statements I receive from them, by more than $ 200/mnth dating back as far as XX/XX/XXXX. When I inquired about an urgent letter that I received from them in XX/XX/XXXX of an escrow shortage I was informed by U.S. Bank that the drastic increase in my monthly payment was a direct result of my property taxes going up ; by default created the escrow shortage instead of the fact that U.S. Bank had changed the terms of my loan to an ARM loan! When I was unable to pay the increase monthly payment amount, as refinancing and loan modification applications were being denied, U.S. Bank informed me in late XX/XX/XXXX/XX/XX/XXXX, the XXXX of XXXX occasions, that my home was sold at auction due to failure to pay property taxes ; by which they had law enforcement to serve me with a fraudulent eviction notice in XX/XX/XXXX that stated I had 45 days to vacate the premises. Nevertheless, prior to missing any mortgage payments, U.S. Bank representative XXXX informed me that U.S. Bank would no longer accept my payment ( s ) unless my mortgage payment was for the full " adjusted '' amount being called due as a result in an increase in property taxes. And if I wanted to be eligible for a loan modification, after refinancing was denied, along with other previous modification applications for not meeting deadlines, current application info was " stale dated '', etc., that I must stop making payments in order for the hardship application to be approved. 

As a result, I, XXXX XXXX XXXX, request for U.S. Bank to provide all denial letters that were previously mailed out to me prior to me missing my XXXX mortgage payment that took place approximately in XX/XX/XXXX once I was informed by U.S. Bank representative XXXX that my payments would no longer be accepted due to the " acceleration clause '' that requires the full outstanding balance to be cured after an extended period of time has elapsed and their still remains an outstanding balance that is in arrears ; thus, gave U.S. Bank the legal right to not accept any payments that was not for the full outstanding amount, as such payments would be deemed a " partial '' payment that the acceleration clause gave U.S. Bank the right to refuse!
Consumer complaint received 2016-09-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (FL)

My loan was transferred from XXXX XXXX XXXX Banking to U.S. Bank as of XX/XX/2016. I had already made my mortgage payment for XX/XX/2016 on XX/XX/2016 to XXXX XXXX XXXX XXXX as soon as I received a letter saying my loan will be transferred I called and XXXX advise me that my payment and loan information will be transferred over to U.S. Bank. On XX/XX/2016 I started receiving phone calls saying my loan will go in default if not paid and after 30 days I will be reported to the credit bureau I did my research and when a loan is transferred it says that I have a 60 period before any late fees are accessed or any late notices reported to the credit bureau. I have been calling U.S. Bank in regards to this issue and they say they received the loan information from XXXX XXXX XXXX but never my payment for XX/XX/2016. I then had a manager from XXXX XXXX XXXX XXXX to call U.S. Bank and advise them that all loan information as well as the payment was transferred over on XX/XX/2016 the representative from U.S. Bank then advise XXXX XXXX XXXX to fax over the balance on the loan and the last payment that was received I was also advised to send over my bank statement where the funds were deducted on XX/XX/2016 for my XX/XX/2016 from my XXXX XXXX XXXX Checking Account the fax number that they gave me was XXXX. I called back 3 business days later and no seems to know where the faxed information that I sent over was and they did not receive anything I then asked the representative what happens with my payment and the response was we have n't received anything you would have to send another payment or you will go in default.
Consumer complaint received 2015-11-25
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (NV)

This is the XXXX time I have tried to get U.S. Bank to clear up my credit report for my mortgage with them, I will attach my credit report from XX/XX/XXXX and XX/XX/XXXX, along with my last compliant, U.S. Bank was reporting on my credit report for 99 months, that is from the time I purchase my home XX/XX/XXXX to the present and with that it was showing that I was past due 13 times for 30 days and two times late 60 days but there was no dates for when the late payments happened. I have been trying to refinances my home since XXXX and was told by XXXX XXXX XXXX XXXX and XXXX XXXX Bank that they were reporting my home loan wrong and bringing down my credit rating. It has been more than 10 years since I have been late on my home loan. After make the compliant with you I received a letter from U.S. Bank that they had fixed the problem and are only reporting the last three years of payments on my house and it shows no late payments but it would take 30 days to show. I waited the 30 days and went back to the XXXX XXXX and they pulled my credit again and U. S. Bank does not show on my credit at all? My husband and the XXXX XXXX did a conference call with U.S. Bank to find out why it was no longer showing on the credit report and the person told them that I asked them to take it off? This sounds crazy if I ever have a bad loan that will affect my credit I can just ask them to take it off my credit report? I need my home loan to show on my credit reports so I can get my home refinanced. I fill like U.S. Bank is playing games with me and if rates go up before I can get this cleared up I fill they should be responsible. All I need US Bank to do is report my home loan correctly on my credit report, this should not be hard for them to do.
Consumer complaint received 2016-12-26
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (OH)

On XX/XX/2016 My partner and I met with ( XXXX | U.S. Bank Home Mortgage Mortgage Loan Originator | XXXX, OH XXXX ). From our initial meeting there were a few red flags that my partner and I chose to ignore. He was 45 minutes late to our first meeting and he declined to provide my family and I a private location to discuss our loan situation despite the fact there was an empty office available. During our first visit we explained to XXXX that we wanted to secure a VA loan. He said that would not be a problem even though my partner and I are not married. On XX/XX/XXXX XXXX suggested we contact a friend of his to purchase our home owners insurance. I informed him that we will stay with the company we already had. After that exchange his attitude toward us changed in a negative way. On XX/XX/XXXX My partner and I were informed that we could not use the VA loan option because we are not married. He waited more than one month to inform us of this issue. He then suggested that we try a VHA loan. Throughout the process my partner and I were subjected to discriminatory and humiliating treatment from US bank and XXXX. His desire to push us into a Loan option with a PMI and additional monies upfront was a clear example of his lack of respect for minority buyers. He stated that we would need XXXX down on a loan amount of XXXX. He treated us like we were ignorant and his predatory tactics are disgraceful. It is clear that as XXXX minorities we were racially profiled by US bank and XXXX and this type of practice should not be allowed to go unnoticed. Despite the discrimination and lies from US Bank and XXXX, my partner and I were able to purchase our home in a timely manner. It is our hope that lenders and their representatives who purposely engage in discriminatory and predatory lending tactics should not go unpunished. We hope that our incident can help other minorities who are subjected to unfair lending practices. 

Thank You
Consumer complaint received 2017-02-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (WA)

The mortgage service company Loancare accepted my XXXX payment, but did not credit my account. Despite several phone calls they started sending certified mail threatening foreclosure. I made 3 payments in XXXX, but the notices continued. I have now logged over 30 hours on the phone with this company and provided my cancelled check image 7 times. They repeatedly promise to look into the issue or elevate the issue, but now its been 3 months and they still have my money with no credit to my account.
Consumer complaint received 2016-05-02
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: MNE Services, Inc (CA)

The following is the email I received this morning CASE FILE # XXXX LOAN INFORMATION DUE AMOUNT- {$990.00} LOAN COMPANY- USA FAST CASH You are going to be legally prosecuted in the Court House within couple of days.. Your SSN is put on hold by US Government, so before something goes wrong we would like to notify you about this matter. It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with Payday Services. At this point you have made your intentions clear and leave us no choice but to protect our interest in this matter.? 


XXXX XXXX XXXX XXXX HAS STATED XXXX SERIOUS ALLEGATIONS AGAINST YOU UNDER THE DEBT COLLECTION PRACTICES Act, SECTION XXXX AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) AND THE BIGGEST ONE IS E.F.T. THAT IS ELECTRONIC FUND TRANSFER Now, this means few things for you. If you are under any state probation or payroll we need you to inform your superior or manager what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name. If we do not hear from you within 24 hours of the date on this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred. 


WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, YOUR EMPLOYMENT AND BANK ABOUT FRAUD. 


And once you found guilty into the court house than you have to bear the entire cost for this law suite {$5400.00} which is excluding loan amount, attorney 's fees, and the interest charges. You have the right to hire an attorney. If you do n't have one or if you ca n't afford then XXXX will be appointed to you. We believe that this was not your intent and that these steps are unnecessary. We merely require you to contact our recovery asset location department at XXXX between XXXX to XXXX ( EST ). 


IF YOU HAVE ANY QUESTION OR QUERIES PLEASE FEEL FREE TO CALL US BETWEEN WORKING HOURS ON : XXXX USA.FAST CASH LEGAL GROUP OF ATTORNEYS XXXX Copyright ( C ) XXXX - XXXX USA.FAST CASH | Privacy | Terms of use
Consumer complaint received 2016-07-16
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: URS Holding, LLC (PA)

I 'm tired of XXXX, After several past complaints with you, after making payment arrangement receiving bill due XXXX 2016, On XXXX XXXX XXXX my car was a repossession, aside from all the headache of getting their XXXX over all this, while I 'm crying needing my daughters winter coats, they were transferring here there with. nasty unprofessional service. I guess this stuff is exciting to some anyway now I 'm billed almost XXXX amazing how I 'm targeted. Give me a break. Same company in XXXX. I explained my dog passed of XXXX, she said I need to get my finances in order. Please leave me rest. they got away already with enough. Greed and they come back from more
Consumer complaint received 2016-08-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Focus Holding Company (MD)

Contacted collection agency on XXXX/XXXX/2016 for payment of total amount owed. Paid total balance owed on XXXX/XXXX/2016 with credit card. The amount was debited to my bank account on XXXX/XXXX/2016. Now the collection agency still show unpaid collection in my credit report. I have disputed this balance with XXXX but nothing has been done. I have also contacted both the original creditor and the collection agency but they refuse to remove the derogatory information on my credit report.