davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IA)

I called Greentree on XXXX XXXX, 2015, to authorize a payment over the phone in the amount of {$1400.00} to be withdrawn from my account on XXXX XXXX, 2015. On XXXX XXXX that payment was taken out along with an additional payment of {$1900.00}, which was not authorized. Also a {$12.00} fee was withdrawn from my account, which was agreed to be waived. I noticed this error on XXXX XXXX, 2015, when a check I wrote was returned for insufficient funds due to the additional {$1900.00} that should have never been withdrawn from my account by Greentree. I have received overdraft fees from my bank and a return check fee from the stockbroker company who attempted to cash my check for {$5000.00}. I was investing some of my son 's money into the stock market. That money is sitting in limbo right now since they ca n't cash my check. As of this date I have not received the {$1900.00} back into my account. I have called Greentree every single day. Some days I am not able to reach my account representative. Other days I speak to her and she resubmits an email to her supervisior stating that this issue is urgent and needs to be resolved.
Consumer complaint received 2015-10-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: JPMORGAN CHASE & CO. (TX)

I HAVE NUMBER ATTEMPTS CONTACTED CHASE CREDIT CREDIT CARD XXXX IN REGARDS TO ACCT : ******************* THAT IT IS NOT REPORTING TO MY CREDIT AGENCY : IT DOES NOT SHOW ON EITHER OF THE CREDIT AGENCY. I CONTACT NUMBER OF TIMES AND THEY STATED I FILED A DISPUTE TO TAKE IT OFF MY CREDIT REPORT : THEY ARE INCORRECT, FOR WHAT EARTHLY IDEA I WOULD STATE THAT AND WHEN. I HAVE XXXX ACCOUNTS WITH CHASE BANK SINCE 2012 AND PAID AS AGREED AND NEVER LATE, WHY WOULD I WANT TO DELETE FROM MY CREDIT REPORT. I WOULD LIKE FOR CHASE BANK TO PROVIDE A WRITTEN LETTER HEAD SIGN BY ME WITH MY ID TO REQUEST FOR THAT.
Consumer complaint received 2015-04-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (KS)

In 2014 I pulled my first annual credit report and noticed Midland Funding listed on my report. I did n't recognize where the charges came from so I contacted XXXX by letter and asked for verification of the debt. Midland responded XXXX a bill from XXXX with an address listed in XXXX that I have never lived at - I have lived in XXXX for 12 years.The debt is inaccurate and non-collectible as the debt is a result from illegal cramming charges which XXXX lost a lawsuit for in XXXX of 2014. XXXX has verified that I was indeed a victim of false charges and I have attached proof ( XXXX attached ) of cramming from XXXX 's verification site.
Consumer complaint received 2015-10-30
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CMRE Financial Services, Inc. (CA)

This firm represents XXXX XXXX XXXX in a personal XXXX lawsuit. It was later determined, after correspondence mailed XXXX were never responded to, XXXX decided to simply turn their outstanding XXXX bill to CMRE Financial Services. On XXXX XXXX, 2015, this firm contacted and spoke to a " XXXX XXXX '' who repeatedly since XXXX XXXX, 2015, has indicated that our phone conversation was being recorded and that she would fax the bill so that the bill could be resolved at the time of settlement. To date, as of XXXX XXXX, 2015, XXXX XXXX refuses to submit the outstanding bill to this office despite receiving a HIPPA Compliant Medical Authorization for the release of medical records and " billing '' and a letter of representation signed by our client XXXX XXXX. The Account Number is XXXX and after this communication with your establishment, we will be filing a Complaint with the FTC. Her direct line is XXXX ; XXXX XXXX XXXX XXXX.
Consumer complaint received 2015-04-08
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Caliber Home Loans, Inc. (NV)

Had a XXXX mortgage with XXXX Mortgage and had a XXXX with HFC/HSBC. Did a consolidation of the XXXX and XXXX in XXXX with XXXX which turned out to be a fraud predatory lenders loan. Even though this loan almost put me and my wife into bankruptcy in XXXX XXXX, and XXXX file foreclosure in XXXX XXXX. On XXXX XXXX me and my wife send XXXX XXXX XXXX a letter in pursuant to Section 6 of the RESPA. 
Demand was made for all records electronic or otherwise, assignment of ours mortgage, promissory note or servicing rights to our mortgage including any such assignment on MERS. 
All deeds in lieu, modification to our mortgage, promissory note or deed of trust from the inception of our loan to the present date. 
The front and back of each and every canceled check, money order, draft, debit or credit notice issued to any servicer of this account for payment of any monthly payment other payment escrow charge fee or expense on this account.H XXXX did not send us the proper answers back for our request. 
Me and my wife chose to go through the state of XXXX foreclosure mediation program in XXXX XXXX and out of the mediation XXXX agreed to do a short pay off of the mortgage to us for a {$150.00}, XXXX out of the {$330000.00} that we owed with no deficiency. XXXX refused to refinance the loan and Our credit was ruin because of the foreclosure procedures that we had went through. On XXXX XXXX, XXXX we received a recorded release of deed are canceled mortgage from the documents released administrator in referenced to about loan # XXXXhas been paid in full through our company. XXXX XXXX Mortgage. Also enclosed in the papers was a Substitution of Trustee and Deed of XXXX. This was recorded in the XXXX County Courthouse recorders office given XXXX XXXX XXXX and XXXX XXXX XXXX husband and wife as joint tenants with Right of Survivorship. 
( Inst # XXXX ) We also have the original Deed of trust ( security instrument ) Have not made mortgage payment since XXXX XXXX XXXX have sold the loan to caliber home loans in XXXX XXXX. 
Have a recorded document XXXX County from caliber home loans notice of breach in default and election to sale inst # XXXX.
Consumer complaint received 2015-10-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I have received a number of phone calls at all hours the day and night from Portfolio Recovery Associates , LLC. They NEVER leave what information they are calling about and when you call them back to find out they are rude and do not give you any information. I have also sent them a cease and desist letter on XXXX XXXX, 2015 and they still continue to harass me.
Consumer complaint received 2015-04-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One has continued to sell an account to collection agencies after it was determined that the account was open due to identity theft. Capital One and the collection agency are appearing on my credit report for the same account. The account was deleted from my credit report and has now resurfaced.
Consumer complaint received 2015-10-29
Product: Prepaid card — ID prepaid card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (GA)

Monday XXXX XXXX, 2015 I was emailed from the rush card company stating that the rush card would be down from XXXX until XXXX on Monday XXXX XXXX. I called rush card on the XXXX because I was n't able to access my account only to be informed that they were working around the clock to get the issue resolved. Then I stated that my card says it 's blocked on my application for rush card that I have downloaded to my cell phone. The girl representative stated that the website is uploading and she ca n't access my account. So I called back on the XXXX only to get the same results. I was placed on hold for XXXX hours to speak with a supervisor about the issue only to be hung up on. So I called again on Thursday XXXX XXXX to be placed on hold for another XXXX hours and again hung up on I was told that the systems were still uploading and they could n't get access to my account. So I hung up to call again for my card and then to hear that my card has n't been activated but they ca n't give me any information. I have rent due, cable, car note, utility bill due.
Consumer complaint received 2015-10-29
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: SCOTTRADE BANK (CA)

To whom this may concern, In 2013, my Scottrade account was hacked and over XXXX USD of fraudulent ACH transfers were initiated via the account. The attached shows the corresponding XXXX XXXX XXXX statements which shows Scottrade withdrawing hundreds of thousands of dollars from my account.
Consumer complaint received 2015-11-01
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Mid-Atlantic Finance Co., Inc. (TX)

Mid Atlantic Finance has intentionally reported false information regarding my VOULUNTARY repossession that occurred XX/XX/XXXX to the credit reporting agencies. On XX/XX/XXXX as if in retaliation to my previous complaint with your agency, they changed the reporting of this account from CHARGE OFF ( which is how it has been reporting from XX/XX/XXXX to XX/XX/XXXX ) to REPOSSESSION for XX/XX/XXXX. This fraudulent updated reporting dropped my score XXXX points. By Mid Atlantic 's own admission this vehicle was VOLUNTARILY repossessed XX/XX/XXXX. Therefore, according to FCRA law, their deceptive reporting of a brand new repossession in XX/XX/XXXX, is unlawful. And I am pleading with your agency to either demand the complete removal of this account from the credit reporting agencies or to demand that they change their updated status of REPOSSESSION for XX/XX/XXXX back to the correct reporting of CHARGEOFF. Please find all documentation attached.
Consumer complaint received 2015-04-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MD)

HSBC Bank account # XXXX was opened XXXX XXXX, was paid late XXXX, XXXX, XXXX and XXXX of XXXX. 
HSBC Bank reported to XXXX on XXXX XXXX, XXXX that account would be deleted XXXX XXXX, that the account was only late between XXXX of XXXX and XXXX XXXX. 
That the current status was '' Foreclosure started '' as of XXXX XXXX. 
As of XXXX XXXX, XXXX, the account is still reported to Experian with the early late payment history DELETED. 
Effectively re-aging the account to report after the state of limitations. A violation of Fair Credit Reporting Act. 

The date of first delinquency is misreported and inaccurate. 
The payments marked OK 's or Paid on time for XXXX, XXXX, XXXX, XXXX of XXXX are all inaccurately reported. 
No payments were made on time in XXXX. A payment history was request from HSBC Bank over 6 months ago, with no response. 
Then in a XXXX XXXX, XXXX XXXX report, HSBC Bank reported account # XXXX is not deleted, as previous stated on the XXXX Reports.
Consumer complaint received 2015-11-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

I have received on XXXX/XXXX/2015 letter dated XXXX/XXXX/2015 from OCWEN LOAN SERVICING , LLC informing that my Mortgage number XXXX was transfer to another Finance Company XXXX XXXX XXXX, XXXX. 
Information from the new Company XXXX XXXX XXXX, XXXX is incomplete and is not allowed to contact any body from that Company to continue my payments. 
Attached you can see letter received. 
Additional problem is OCWEN LOAN SERVICING , LLC has not clarified information requested before for payment modification that includes additional amount for {$710.00}. 
Could you please help me to : a ) Ash them to clarify where I Can pay my mortgage loan, because was due date XXXX/XXXX/2015 and they did not accepted my payment for XXXX. 
b ) Review all information for the modification that was not clarified for the additional amount for {$710.00}. 
ThanksXXXX XXXX XXXX XXXX, XXXX, Tx. XXXXXXXXXXXX
Consumer complaint received 2015-11-02
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (DC)

My Citibank card was closed due to " inactivity '', despite heavy banking activity with Citibank on the checking side, heavy use of another Citibank card, and no warning that cards can be closed due to " inactivity ''. Approximately four hours after receiving the notification, I called Citibank to get the card re-opened and was told that this would entail a hard credit pull, which would further damage my credit. In addition, this was my oldest tradeline, and there seems to be no indication that this would actually re-open the account -- it would just create a new Citi Dividend card, which I do n't want. I want the old account re-opened. XXXX in the Florida office was exceptionally rude to me, and not very understanding about the situation.
Consumer complaint received 2015-04-09
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Concord Resolution Inc (Closed) (CA)

I received a threatening phone message from Concord Resolutions XXXX asking me to contact them regarding a " sealed matter '' or I would face legal action. When I contacted them they had the last XXXX digits of my social security number and an address that I lived at many years ago. They told me that I owed money for a Payday loan taken out online in XXXX. They were vague about the dates and the original creditor. They had the last XXXX digits of my bank account listed as XXXX, which is not my bank account and was not my bank account in XXXX or XXXX. I do not think that I ever had a bank account with those numbers. They agreed to stop contacting me until they sent verification of the debt, which I received yesterday via email. The original creditor listed in XXXX XXXX, a company with no contact information or online presence. I am not sure if this is a debt collection scam or a legitimate debt collector collecting on a fraudulent debt.
Consumer complaint received 2015-11-02
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc. (NH)

I have repeated asked the Debtor to provide proof ( by way of the original bill ) of this debt - both on my own and through your agency. The collection company has put this collection on my credit report without verifying to me that it is a debt. That was a ludicrous move because they were far likely to get paid ( if the bill is even legitimate ) had the only reported IF I did n't pay. Now, regardless of the outcome, what is the incentive - it is still on my credit. I read complaint after complaint about these people and there is no one that does anything about it. Shame on everyone involved. Putting this bill, without an proof, on a credit report for a alleged bill I owe back to 2009 is extortion. Shame!!
Consumer complaint received 2015-09-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Oxford Law, LLC (CO)

I have received a letter form Oxford Law LLC that the stated original creditor has no record of. Complained on the state AG website. Next day I received a call from the company following up on the communication with the AG. The rep wanted to set up a payment plan for this debt I do not owe. Unsolicited he told me the last XXXX digits of my SS # and my former address. I have no knowledge of this debt nor does it appear on my credit report.
Consumer complaint received 2015-10-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Critical Resolution Mediation LLC (TX)

Someone by the name of " XXXX XXXX '' with Critical Resolutions calls me repeatedly including calling me from different numbers. Today he called my roomate stating I provided her contact information as a point of contact he disclosed that a case was filed against me. She asked me how they had her number. I would give my family member 's contact information before I give my roomate 's information as a point of contact.
Consumer complaint received 2015-04-08
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (CA)

In XXXX I purchased a property IN FULL, IN CASH from XXXX XXXX. According to the XXXX XXXX in MA, XXXX XXXX could not legally sell me the property, because they had not yet correctly completed the Foreclosure process. I was issued a Cert of Title declaring the property free and clear, but as it turns out it was not. I have lost tons of money, and my family is suffering greatly over this matter. WF lies and denies involvement in the matter on paper. I possess a written declaration from XXXX XXXX from the WF Ex Office declaring that WF has never, nor do they now have any stake in this property. ( Please see attached " Answer of MERS & Wells '' doc provided to prove this is a lie ). I need help in recovering my losses over this property. Can someone PLEASE HELP ME and my FAMILY! PLEASE! 
" All of this arises out of the MA Land Court 's spring XXXX decision in XXXX. The decision was affirmed by the Supreme Judicial Court in XXXX. The effect of the decisions was that foreclosures had not been done properly. 

The initial foreclosure in this case was done around the time of the Land Court 's decision in XXXX. The lender realized that it had a problem and then attempted to remedy the problem by re-foreclosing. 

When they re-foreclosed they did not do so in the name of the grantee on the initial foreclosure deed. 
The following explanation makes it defective. 

The mortgage was assigned on XXXX/XXXX/XXXX - the date that the assignment was executed. 

The first publication was on XXXX/XXXX/XXXX. Therefore the foreclosure was defective and the mortgage passed to XXXX XXXX, as Trustee under Pooling and Servicing Agreement dated as of XXXX XXXX, XXXX Securitized Asset Backed Receivables XXXX XXXX XXXX Mortgage Pass Through Certificates Series XXXX. 

The subsequent foreclosure was conducted by XXXX XXXX as Trustee instead of by XXXX XXXX, as Trustee under Pooling and Servicing Agreement dated as of XXXX XXXX, XXXX XXXX XXXX XXXX Mortgage Pass Through Certificates Series XXXX. '' - XXXX XXXX, XXXX XXXX, XXXX, Title Insurance Lawyer representing XXXX XXXX XXXX.
Consumer complaint received 2015-10-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RentDebt Automated Collections, LLC (TX)

This company has reported to the bureau an account that does not belong to me. According to the Credit bureau who is reporting this claim failed to make sure that the company completely validated this this is not mine. The account Number is XXXX. 100 % POSITIVE THE ACCOUNT IS NOT MINE
Consumer complaint received 2015-04-09
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

XXXX XXXX, XXXXIn XX/XX/XXXX we purchased a manufactured home with Bank of America. We did not receive a settlement packet from Bank of America to offer options. Bank of America financed the home with an interest rate of 8.25 %, this interest rate resulted in {$86000.00} in interest. I have researched the interest rate for 1997, the highest housing interest rate during 1997 was 8.06 %, consumer with low credit scores. We paid all of our bills on time and our credit should have been in very good standing. In addition, enclosed is an article where Countrywide Mortgage Company, a company purchased by Bank of America gave XXXX XXXX higher interest rate regardless of their credit rating and referred to XXXX XXXX as " XXXX. '' We strongly believe that Bank of America performed the exact procedure with us as an XXXX XXXX family. We have struggled on a shoe string budget and have paid over {$100000.00} for this home and still owe at least {$38000.00} on a home that is falling apart. The plumbing fixtures, kitchen and bathroom cabinets and carpet were of the lowest quality. The heating and air units lasted about 5 years after we purchased the home. We are currently using portable electric heaters and window units, which results in extremely high electric bills. 
As an XXXX XXXX family in an isolated rural area, we were seeking the American dream of home ownership, we did not realize that we were being taken advantage of by Bank of America at the time of purchase. We believe that based on Race, Bank of America gave us the highest interest rate to purchase a home that clearly was not worth what we are having to pay. We were not treated fairly by Bank America and was told by management that we would receive an settlement packet. 
Bank of America has sold our home to XXXX XXXX XXXX, we did not receive a contract with XXXX XXXX XXXX XXXX, just a letter informing us where to send the payments. 
Desire Outcomes:1. Receive a settlement packet from Bank of America. 
2. For the loan to be extinguished, because we have over paid for this home. 
3. Refund the amount that has been over paid. 
XXXX
Consumer complaint received 2015-09-10
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: FMA Alliance, Ltd. (TX)

This references a call I received today form FMA Alliance at XXXX. There was an approximate {$500.00} balance on a card for XXXX XXXX XXXX that they requested I pay. I explained to the representative, XXXX XXXX XXXX, that I became ill in 2012 XXXX and I contacted XXXX XXXX XXXX in writing regarding an added service to my card that would pay on when I was unable to work. XXXX XXXX XXXX claimed that I had no such service added to my account, but they lead me to believe that I did have such a service. I believe that I was mislead by XXXX XXXX XXXX as it relates to my credit card and the account should be set as paid, and closed as a result of such misleading. FMA XXXX need to remove an collection statuses from my credit immediately.
Consumer complaint received 2015-09-11
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BB&T CORPORATION (FL)

A few days ago I damaged my card. No lost the card but damaged the card. I immediately login to my account and made a reporting of the situation. Per the agreement there is no charge for the Damaged card. I sent the Financial Institution a online message stating where is the card and when was it processed. I then noticed today after login in that there was a BAIT and SWITCH regarding the TERMS. This seems to be a pattern regarding this Financial Institution and their methods. I ask that the money is returned asap. As this is considered THEFT. If not returned I will be forced to file suit regarding the Unauthorized Debt.