davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC (CA)

Dear CFP : Here 's my situation : I had XXXX home phone and internet service XX/XX/XXXX-XX/XX/XXXX ( XXXX, PA XXXX ) and as internet was non-functional, I cancelled my plan and account. After this cancellation, I spoke to various XXXX departments explaining the non-working Internet situation ( while on phone, XXXX was successful in locating tech service calls to my apartment and inability to get Internet working properly ) and was told my account would be credited for the remaining balance of {$140.00}. 

Unfortunately, the XXXX staff responsible for making this happen, failed and my credit report is again being UNLAWFULLY hit by a debt collection company named " Debt Recovery Solution '' ( pdf attached ). 

Here 's the interesting part of this : - I 've called XXXX wanting to follow up with my account status and ask to have what was promised to me years ago, finally done. 
- XXXX ca n't access my account because it 's been sold to a debt collection agency ( Debt Recovery Solution ) - I 've called " Debt Recovery Solution '' and they tell me they ca n't access my account and refers me back to XXXX. ( Although they 'll gladly take the {$140.00}. ) - I call XXXX, again, explain the situation, and they, again, refer me to the debt collection agency because my account is " not in their system ''. 
- I 've also disputed this on my credit report earlier this year, and " Debt Recovery Solution '' mysteriously disappeared from my credit report. 
- XX/XX/XXXX : My credit reports are hit, again, now with both XXXX and Debt Recovery Solution and charge mysteriously reappears. 

Neither company can help clear this up and as services were n't provided, and as XXXX promised to credit my account XX/XX/XXXX for the {$140.00}, my credit is suffering from both companies inability ( and unwillingness ) to correct. 

So I 'm hoping CFP can not only mediate and have corrected but will also prevent either company from touching my credit reports for this item. 

My former XXXX account home address : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2016-07-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: JH Portfolio Debt Equities, LLC (FL)

J.H. Portfolio is trying to collect on a debt from XXXX that I paid through a debt consolidation company. I mailed J.H. Portfolio a letter attached with a statement from the consolidation company showing a XXXX balance for XXXX. I called J.H. Portfolio on XXXX XXXX XXXX and they confirmed that they received my letter and statement from the debt consolidation company and they said they would research the complaint but I have not heard from J.H. Portfolio. I 've disputed this charge three times with XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX to no avail. I want the charge of {$960.00} off all of my credit reports.
Consumer complaint received 2016-07-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc. (IL)

XXXX offered cable/internet services for my home. We were told that we had 90 days to cancel the account if we were unsatisfied with the service. We had many issues regarding the service to our home. While it was getting close to the 90 days for cancellation, we were promised that the issues would be resolved. We spoke with many representatives and when we complained repeatedly that the issues were not getting resolved, we were told that the 90 days would not be in effect since we were still unsatisfied. After about 100 days, we finally cancelled the service because the customer service was so poor. 

After cancelling service and returning the equipment to XXXX, we received a bill from XXXX for the service. I called XXXX to complain but was told that it was after the 90 days. Now, years later, this is still affecting my credit report.
Consumer complaint received 2016-07-17
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (HI)

I am a Costco member. On XXXX XXXX, 2016 Costco switched from XXXX XXXX to Citibank as their credit card issuer. My credit cards are set up for automatic payment. I do n't even know when they are due. I just have the full balanced paid in full each month so I incur no fees. It turns out my credit card bill is due on the XXXX of each month. So my bill was due XXXX XXXX, 2016. Today Citibank called me because my account was 19 days past due and I have incurred a {$35.00} late fee. What? I am not the type of person who incurs late fees. How is my account 19 days behind when it has not even been a month since the card was activated?!?!?! When I called Citibank ( currently on my second phone call right now ) I was told this was explained to me in the package of information mailed to me. Ya, right, like people actually read that information, just like I read every Privacy Policy of each and every website I frequent. I was told the late fee was waived, but just the audacity to pretend charge me a late fee on purchases not even a month old. This has got to be illegal. I have not even received a bill for these purchases. I assumed once I received the bill I would set up an account online and activate automatic payments like I have always done. But no, within seven days of my new CitiCard being activated, I was supposed to seek out a bill that was not sent to me and blindly pay it. Even now, as I attempt to activate automatic bill pay, which is not going smoothly and am waiting for the IT department ( 33 minutes on hold so far ), I have n't seen the bill yet. According to Citi 's website, it is not available yet. What? It 's insane! It 's wrong, wrong, wrong what Citi is doing. On my second call to CitiBank, the customer service rep told me it is XXXX XXXX 's fault for not notifying customer 's properly about this situation. Or, CitiBank could have just sent me a bill for my XX/XX/XXXX expenses at a reasonable time, XX/XX/XXXX?
Consumer complaint received 2016-07-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Sherloq Group, Inc (PA)

XXXX, XXXX canceled my appt. I exclaimed the termination and they had said not to worry, since I spoke with billing each time " no worries '' w/apologizes, now continues bills from collection agency. I do not owe, they were going to make it the one day retro active..
Consumer complaint received 2016-10-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: TRANSWORLD SYSTEMS INC (AL)

My private student loan ( through XXXX XXXX ) defaulted in XXXX 2014. I had lost my job in XXXX 2014, and I explained this to them. The loan was eventually bought by TransWorld Systems. I have a payment arrangement with TransWorld - {$100.00} a month is automatically deducted from my checking account. This arrangement has been ongoing for over a year. For the past month, I have received repeated calls from TransWorld - a XXXX XXXX. Sometimes he leaves a messages ; sometimes he breathes into the phone. I want this communication stopped. XXXX XXXX previously suggested I borrow the money to satisfy the debt to TransWorld. Numbers he has used are : XXXX ; XXXX ; XXXX ; XXXX.
Consumer complaint received 2016-07-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC (DC)

This is a follow on complaint for XXXX / Campus Partners. For over ten years I assumed my loans were in posession of the federal government and still in deferment. After notice of a late payment, without warning, I had learned that a portion of my loans were now in posession of this private company, I had been charged a late fee, and my credit rating had sufferred accordingly. 

The company website is almost unsable, to the point that making a payment is virtually impossible. Tens of login attempts failed and there is no clear indication that a certain browswer must be used. Tens of time-out errors occurred. My information disappeared and reappeared from their database. I was not eligible to set up autodraft payment for no apparent reason. No place on the website shows a repayment schedule, a monthly due date, or similar pertinent information. The website 's poor operations are clearly to the advantage of the company, as it discourages timely and organized payment from customers. 

Fees are exorbitant. I was charged a convenience fee of {$180.00} to pay off my loans in full ( my total balace with the company was less than XXXX ). A one time processing fee from a debit card is {$60.00}. 

In sum, the company is clearly using a federally protected revenue stream to an unseemly advantage by setting up hurdles for payees, creating headaches for those in good standing and likely undermining the well being of those less financially secure.
Consumer complaint received 2016-07-15
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

XX/XX/XXXX I opened XXXX accounts in Bank of America ( Savings & Checking ) XX/XX/XXXX My father wired {$14000.00} to my account through XXXX XXXX Office XX/XX/XXXX I traveled to XXXX XX/XX/XXXX Signed in to my online banking app and checked the amounts ( See attachment B ) XX/XX/XXXX {$2000.00} of {$14000.00} got into my account ( See attachment A ) XX/XX/XXXX {$2500.00} of {$14000.00} got into my account ( See attachment A ) XX/XX/XXXX {$6000.00} of {$14000.00} got into my account ( See attachment A ) XX/XX/XXXX {$3400.00} of {$14000.00} got into my account ( See attachment A ) XX/XX/XXXX Received an email from BOA stating that my account balance is under {$25.00} ( See attachment B ) XX/XX/XXXX I transferred {$25.00} to my account ( My only transaction while in XXXX ) XX/XX/XXXX I got an email from BOA ( See attachment C ) but I could n't access my accounts online XX/XX/XXXX {$32.00} of {$14000.00} got into my account ( See attachment. A ) XX/XX/XXXX Back from XXXX, Contacted BOA, I was informed that my accounts have been closed. I could n't get any of the communications between BOA and me in written form XX/XX/XXXX I received XXXX cashier 's checks for my account balance ( See attachment D ), the bank had taken all the fees I owed on my accounts, including my credit card debt ( total credit limit= {$700.00} ). Taking all the fees into account ( I was denied from access to my banking records, so it was a rough estimate ), there was a large sum short. I called the bank asking about the missing amount, I was told that the bank has claimed {$6000.00} of it due to my " illegal activities ''. XXXX XXXX XXXX ( from Global Financial Crimes and Money Laundering Department, if I remember correctly ) refused to provide further information other than claiming that the source of the money was on some kind of list for money laundering and the person who wired the money could not have been my father. 

Since XX/XX/XXXX I have received notes from Bank of America ( See appendix E ), followed by phone calls from a debt-collecting agency, claiming that I owe {$1300.00} to the bank.
Consumer complaint received 2016-07-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NV)

I request that Ocwen loan servicing provide the following information only and not any additional information that does not pertain to this complaint as they have done in the past. Due to the fraud and illegal acts that have occurred with this note and deed of trust, I am requesting from Ocwen Loan Servicing ( our servicer ) provide the following. 
First, Which document does your company have in its possession, is it the original note, original Deed of Trust or both that pertains to our property? NOTE : I understand that the original note must be maintained by the servicer and the original Deed of Trust must be maintained by the trustee which is XXXX. 
Second, we request a meeting with a representative from Ocwen Loan Servicing here in XXXX Nevada along with the Original note and the Original Deed of Trust. If Ocwen is not able to meet us here in XXXX Nevada, please provide a date, time and a location during the XX/XX/2017 where we can review these documents! Please notify us in writing when and where to attend. 
NOTE ; I will have an independent investigator present to review these documents. We will be looking to see if these documents are the originals or copies of the originals. The ink on the original documents will be different from a copy. If the original documents have been lost or stolen, Ocwen loan servicing, XXXX and XXXX XXXX will have no legal standings to there claims without these original documents. All this can and will be resolved if Ocwen allows us to review these documents immediately. Ocwen can dispute legal claims all you want and XXXX me off even more. This will result in more complaints filed against Ocwen loan servicing. Servicing companies, banks, trustees and investors are required to maintain the original documents such as the original note and the original deed of trust to prove legal ownership. If Ocwen loan servicing fails to comply to my requests, we will request the original note and the original deed of trust in court.
Consumer complaint received 2016-07-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Pinnacle Credit Services, LLC (TX)

PINNACLE CREDIT SERVICES ( collecting for XXXX ) has been ignoring and refusing my requests for validation on this debt for years. I have sent numerous letters explaining to them that this is not my account and I have requested validation several times. Yet they continue to be in non compliance with the law and report this account to the credit bureaus as a collection. They do not even respond. I have never went into a business contract with Pinnacle or XXXX in reference to this account. I have attempted to contact XXXX but was tolsd it was sold to this company and they cant furnish me with any contract or records.
Consumer complaint received 2016-07-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have disputed XXXX XXXX XXXX with Transunion from the first time it showed up on my report. Because XXXX XXXX XXXX service can give Transunion just my name and address but no signed contract or documentation to support this, Transunion continue to accept this as sufficient documentation of my owing this debt. All documentation of me writings XXXX XXXX XXXX ( per Transunion request and me providing XXXX XXXX XXXX the information requested of me ), XXXX, and FTC along with supporting documentation of XXXX XXXX XXXX not responding to me and XXXX and FTC was sent each time by certified mail. I was information when dispute was made to speaker with their special handling division each time and they will dispute. I informed them that after a consist years of dispute and no proof provide. This need to be removed.
Consumer complaint received 2016-07-16
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION (TX)

Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with HIPPA requirements to Central Financial Control. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was validated wrong by Central Financial Control. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, I know that a Debt Buy can not hire another debt collector to collect for them in Texas therefore this debt can not be transferred to another collection company. Therefore, this debt should be removed from out of the office of Central Financial Control.
Consumer complaint received 2016-07-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (PA)

I received notices the past 2 year that my property taxes were not paid. I have an escrow my property taxes are to be paid out of. I called, faxed, and mailed the notices each time I received them and was assured by representatives my property taxes would be paid. My tax return shows property taxes paid from the lender but I received a tax lien notice of unpaid property taxes today that my property would be sold in 60 days if not resolved. I plan on paying the amount because I do not want to lose my house but I do not trust my lender to pay my property taxes now.
Consumer complaint received 2016-07-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I found out I was a victim of identity theft, after going to obtain a mortgage. When I realized this I immediately reached out to the proper authorities, filed an FTC Affidavit and continued on with filing a Police Report at my Local Police Department. I sent XXXX, XXXX and Transunion certified mail on XXXX/XXXX/16 listing the negative accounts and address that showed on my report. As of today XXXX/XXXX/16 ( even though the these items are listed in my Police report explicitly ) the fraudulent address and accounts are still listed. This violates section 605b of the FCRA and Section 623a ( 6 ) b. Stating specifically that this information is to be blocked within 4 business days upon presenting a valid Identity theft report. It has been over 120 days, and still XXXX and Transunion willingly choose to violate the law set forth to protect people who have gone through my situation.
Consumer complaint received 2016-07-16
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I 'm filing a 3rd dispute, XXXX and XXXX, the first one being directed towards XXXX and the second towards Bank of America. Bank of America did n't answer the XXXX dollar question that needs to be answered. Did Bank of America charge off this loan in XX/XX/XXXX? because they stated in their response that they had no reporting to the credit bureau, but in my first dispute XXXX they stated BofA charged off the loan in XX/XX/XXXX, and they being XXXX simply reported it in XX/XX/XXXX. These XXXX companies are blaming each other and wasting my time running me around in circles, this has been going on with the cfpb for over 2 months and I 'm on my XXXX dispute and nothing has been resolved, so I 'm gone number the questions I need answered. 1 ) Did BofA charge off this loan in XX/XX/XXXX like XXXX stated in their response because this is how XXXX is justifying reporting this charge off to the credit bureau, and is the entire basis of this dispute! ... if BofA says they did n't charge off the loan XXXX need to remove the charge off status from my credit. 2 ) If B of A responds they did charge it off, on what basis was this justified, because as you can see with the credit history on the loan starting with real time in XX/XX/XXXX until the present date I have n't missed any payments, except for the 3 missing payments XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX when BofA took over the loan from real time and did n't contact them for 3 months to notify them of the transfer. BofA even stated in their response they took the loan back in XX/XX/XXXX yet I have 3 months of missing payments on real times credit history, and also in the time period after XX/XX/XXXX when BofA put me through another modification and refused to accept payments until the completion of the modification. If BofA says they did charge it off what was the actual charge off date, because BofA reported 3 on time payments prior to sls taking over servicing the loan in XX/XX/XXXX. so there is no way the charge off date could be XX/XX/XXXX. 3 ) How does sls justify reporting a XX/XX/XXXX charge off date to the credit bureau when they stated BofA charged off the loan In XX/XX/XXXX and the loan was current with 3 on time payments when they received it in XX/XX/XXXX? There is a 4 year period after a charge off to be able to do anything with a home mortgage so accurate reporting is imperative. I have already contacted a credit lawyer and they are ready to take both these companies to court, this will be my last attempt to resolve this outside of court, these XXXX companies are getting away with simply shifting blame to the other guy. I 'm not attaching any dcuments, all the documents are attached to dispute # XXXX. Bank of America actually contacted me 2 weeks ago asking me about the complaint, but wont return a phone call now, they are impossible to deal with!
Consumer complaint received 2016-07-17
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Resurgent Capital Services L.P. (NJ)

lvnv funding is currently reporting my credit report for a debt that I was not aware of I have not received no letter no phone call no validity of the debt nothing, they have not even verified they have right person or given me the right to challenge the debt I filed a complaint with bbb and all lvnv funding gave me was a copy of a bill with a address that I do n't live at, said address belongs to a family member
Consumer complaint received 2016-07-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I found out I was a victim of identity theft, after going to obtain a mortgage. When I realized this I immediately reached out to the proper authorities, filed an FTC Affidavit and continued on with filing a Police Report at my Local Police Department. I sent XXXX, Equifax and XXXX certified mail on XXXX/XXXX/16 listing the negative accounts and address that showed on my report. As of today XXXX/XXXX/16 ( even though these items are listed in my Police report explicitly ) the fraudulent address and accounts are still listed. This violates section 605b of the FCRA and Section 623a ( 6 ) b. Stating specifically that this information is to be blocked within 4 business days upon presenting a valid Identity theft report. It has been over 120 days, and still Equifax and XXXX willingly choose to violate the law set forth to protect people who have gone through my situation.