davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc. (TX)

I purchase a phone on XXXX/XXXX/2014 and paid {$140.00} to XXXX XXXX XXXX. I have been told that I have two weeks to return the phones in case I change my mind. After a week I realized that I do n't have the budget to pay such amount on monthly basis, so I returned it. I was told that they will reimburse me only {$75.00}. So I paid for a week {$70.00}. I was ok with it. Then the phone was sold to another client and never changed the billing. When I received a letter that my account was sent to collection, I went to the store and asked for explanation. They could n't even connect the phone to my name, but to another client. The manager just said we ca n't do nothing and we are sorry. I went ahead as I did n't know what to do and paid a bill that it is not even mine, but this is still showing up on my credit report and it is hurting my credit score.
Consumer complaint received 2015-10-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I currently have a mortgage loan with a XXXX lien on the property. I got behind on XXXX loans. My house is now currently being rented by tenants and when I called to make my final payment on the house I was informed the home had been sold. Bank of America has not filed anything within XXXX County to indicate a foreclosure and I was never informed it was in foreclosure. I even went to the County Clerk 's office as well as checked online for any transfer of deed and found nothing but a Release. I owe less than {$5000.00} on both loans and the house is valued at around $ XXXX {$150000.00}. A XXXX XXXX called me on XXXX XXXX to inform me she would look into the matter and I have n't heard from her since. I 've left several phone calls with no answer. I am ready to payoff the house and Bank of America will not communicate with me. I have just been diagnosed with XXXX and do not have any recourse in pursuing litigation against them. I just want to pay off my house - both loans.
Consumer complaint received 2015-09-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My name is XXXX XXXX, I have been unemployed due to being XXXX for over XXXX months and I am not receiving any XXXX income or any income at all for that matter. 
My home at XXXX XXXX XXXX XXXX XXXX, TX XXXX has XXXX mortgages attached to it. The XXXX lien is with BOA and the XXXX is with XXXX XXXX XXXX. My payoff with Bank Of America is {$140000.00}. I have been working with Bank Of America on applying for a Short Sale of my home Bank of America has completed an appraisal on the home which came to {$150000.00}. We have a qualified buyer who has been waiting for over 3 months on the review at a purchase price of {$150000.00}. XXXX XXXX XXXX has approved the short sale payoff of {$2500.00}. I also owe the Home Owners Association around {$1300.00}. With the payoff to BOA of $ XXXX, XXXX payoff of {$2500.00}, HOA, Commissions and closing costs, I am still {$11000.00} short when it comes to the closing table. Bank Of America is saying because the appraised value is more than the payoff, the file does not meet investor guidelines. I feel very upset about this considering the fact that we have been trying so hard to work something out with everyone. BOA even accepted the {$150000.00} offer including paying the closing costs to pay the XXXX lien, HOA, Realtor Commissions on XX/XX/XXXX. Now they are saying that it does not meet investor guidelines. When they accepted the offer, the buyers completed their inspections which was an out of pocket expense they now want reimbursed. In the offer worksheet that BOA accepted, they even agreed to paying {$12000.00} towards the XXXX lien which is more than we were asking for ( {$2500.00} ). This does n't make since why they would accept the offer then say " it does not meet investor guidelines ''. They think because we have an offer at $ XXXX that I can pay the payoff of $ XXXX and bring an additional $ XXXX to closing to pay off all the other expenses, with no regard to my financial hardship or the fact that the home sat active for over XXXX months before we got the offer of $ XXXX. If BOA forecloses on the home, they will spend more money going through the foreclosure, paying attorney fees, losing lending power, paying realtor commissions, paying property preservation services, closing costs etc. I am extremely upset and suffering an enormous amount of stress that it is physically killing me. My family is helping with an attorney that wants to take the case, but I really want to work this out as politely and peaceful as possible. I have attached the documents for your review. Please help me!!
Consumer complaint received 2015-04-01
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I pulled up my credit report XXXX TransUnion, I pay XXXX a month so I can do this. My credit score was XXXX then. On XX/XX/XXXX I pull it up again and my credit score is XXXX. 
At XXXX I called Transunion to find out why my score was down XXXX points. I was asked '' which apatment number is yours? '' I OWN my house, since XX/XX/XXXX, I do not live in apartment. XXXX said I did and I would have to prove I own my house. I told them to look on report and it says my mortgage company. They said I had to get letter from mortgage company saying it is a house. Then they said I had a delenquent account from over four years ago and that would bring my score down. I told them it was from four and half years ago that should not have brought it down in the past few days. They refused to check on this. They also said I need to prove I own a home, with XXXX different mortgage companies because I refinaced it over a year ago. They also refuse to add a credit card that I have had for over 22 years now- -saying, after the bank even sent XXXX letters verifying this, that I do not have this account. I have wrtten about this charge card XXXX times, called XXXX times, bank has sent XXXX letters. 
I can not get them to understand a single thing. I still do not know why I lost XXXX points in just a few days. Nothing is past due except the account that is over XXXX years old. XXXX guy flat refuse to do anything ( talked to XXXX people including supervisor ) because it went back to " you live in apartment ''. Please help me here, please. TransUnion is the ONLY agency that has my credit all messed up. I finally ended the phone call at XXXX AM- -the whole time they would nto do XXXX thing except refuse to add credit card I have had 22 years and refused to know I own a home, that I do XXXX live in apartment- -which is stupid, it shows on my credit report of home mortgage. I need HELP, please. I have worked hard to get my credfit pass XXXX.
Consumer complaint received 2017-06-12
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: Innovis (IN)

XXXX  MUST NOW CEASE AND DESIST REORTING ANY AND ALL CREDIT INFO FOR CREDIT FURNISHERS ALL OTHERS AS STATED IN THE : F.C.R.A. 15 USC 1681A ( g ). ( see   XXXX    letter )
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NY)

XX/XX/year> Company : XXXXLVNV FUNDING Account type : Debt Buyer Account number : XXXX Amount reported on XXXX credit report : $ {$4300.00} I am writing this letter to you in response to a notice I received from you. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 g. Sec 809 ( b ) that your claim is disputed, and validation is requested. The statue on this debt has expired.

This is not a request for Verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following What the money you say I owe is for?

Explain and show me how you calculated what you say I ow.

Provide me with copies of any papers that show I agreed to pay what you say I owe.

Provide a verification or copy of any judgement.

Provide me with proof that I entered into a contract with your collection agency or your law firm.

I am requesting Assignment Contracts.

Copy of the original contract bearing my signature that I signed on for this debt.

Payment history from the original creditor that show payments.

I want the name and address of the original creditor.

I want proof you either own or were assigned this debt.

I am requesting an assignment contract.

If your office has reported invalid information to any of the three major Credit Bureaus XXXX XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
Consumer complaint received 2017-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (NH)

CPFB did not address multiple complaint issues against Barclay Bank : 1 ) Barclays assessed my   account as a default risk with no credit history to suggest this a a p ossibility 2 ) Barclays su bmitted excessive hard inquiries to credit bureaus in an attempt to harm my credit and refused to correct th ese 3   ) Barclays fo rced me to close all my accounts to avoid catastrophic harm to my credit report as well to others in credit card forums on the internet.    XXXX   card, the Black Card, i had to pay an annual fee of {$490.00} and because Barclay actions forced me to close it, Barclays h as been unwilling to return a pro-rated fee of {$250.00} to me as i can longer use the features and benefits of the card due to no fault of my own.    4 ) Although all  XXXX  cards were closed simultaneously, Barclays took its time reporting the Black card closed 5 ) Barclays issued predatory documentation AFTER i requested the accounts closed to substantiate its actions -- again of which have proven incorrect in Barclay assumptions.      I have contacted the Banking oversight committees due to the very malicious wa y Barclays is treating its American customers as well as the lack of proper review and addressing issues by CPFB itself .
Consumer complaint received 2015-10-23
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (AZ)

On XXXX XXXX 2015 I put {$500.00} on my pre paid Rush card. Since then, my account balance is {$0.00} and when I call this company the recording says my card has not been activated. I have had and used this card for over to years. When I finally got through to speak to someone she said she could not access any accounts and would text me when the problem was fixed. I 'm still waiting.
Consumer complaint received 2015-05-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Meade & Associates, Inc. (OH)

I submitted this to the CFPB about 6 months ago. Case No. XXXX. As a result the debt collection company, Meade & Associates, responded that the original alleged creditor had " requested that the account be closed '' because it was " sent in error. " Now Meade & Associates are sending me threatening letters again demanding payment for this same account even though I sent Meade copies of their correspondence to me closing the account.
Consumer complaint received 2015-09-04
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Springer Collections Inc. (MN)

This man name XXXX XXXX from Springer Collection has been calling me back to back everyday since XX/XX/XXXX about a bill I owe back in XX/XX/XXXX which I do not remember. I told him i will try to get a loan to pay the {$2600.00} but I didnt get one. He call 4 times a day or more he talked to my boyfriend in told him that if i knew better i would get back to him, i owe this money.
Consumer complaint received 2015-10-24
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (MO)

My payroll check was deposited onto a 'Rush Card ' and two-three days after the funds posted to the prepaid card, they were retracted or otherwise misplaced. 
I have reached out to the company on multiple occasions, I have direct messaged the company representatives, I have filed a Consumer Affairs complaint, to which I was asked for a number I could be reached at, that was three days ago. 
This has been going on for over a week now with no resolution, no call back, and no straight answers as to when/if the issue will be resolved. 
The only phone call I received that was outside the norm was a phishing call telling me to select one to receive a free voucher to some unnamed website ( download virus to mobile ). 
I 'm tired of it, no answers for me, just platitudes and broken promises. I 've had enough, I missed a day of work because I am broke and without gas. Luckily I have a perfect attendance record or I may have been fired. 
And I understand this is on me for not dealing with a reputable service or my brick and mortar bank but I just need to get my money from them so I can take it to my bank and not have to live through this nightmare again. 
Please help, any answers as to what is going on I would greatly appreciate. 
~Oh and I have already reached out to my employer 's payroll dept regarding this.
Consumer complaint received 2015-05-12
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Regional Processing Services (KS)

Lady named XXXX XXXX from regional processing services called me was really rude to me said that they are perusing me for malicious tempt for fraud. I 've contacted the loan place I know I have a past due loan but even I 'm not the only one who complained about this lady and even the original loan place said it seems suspicious. The number the lady calls me from is XXXX she answers the phone every time. I 'm upset please help.
Consumer complaint received 2015-11-24
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (WA)

My mortgage debt collector, PennyMac, recently sent me my Escrow account projection report for 2016. PennyMac had added another column of " Required Escrow Account Balance '' numbers which reflected another {$650.00} over and above the required and lawful planned event that has taken place in the past. When the homeowner reads the projection, you feel that you are now required to start doing this ...., and you do n't! The Escrow has already been planned properly for the upcoming taxes and insurance and is buffered correctly for a XXXX balance XX/XX/2016. I can see that a homeowner would feel pressured and obligated to start paying this exorbinate amount and/or posssibly NOT be able to pay the increase and lose their home because of their ignorance of the actual requirements. I contacted PennyMac about this and after a 10 min conversation, they graciously " waived '' the required column on the projection sheet. Only, I feel because I called and noted the already proper Escrow that was in place. This is a dangerous practice by the debt collector PennyMac and needs to be stopped.
Consumer complaint received 2015-11-27
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MA)

Moneygram locked me out of my online account, which use to send money to my family, back in XXXX. When asked the reason, why I was locked out ; when i called moneygram i was told by a customer service agent, that its for security reasons. But i think its because of discrimination, based on whats happening with lottery scamming in XXXX, i feel i was targeted and locked out by moneygram, based on my remittance, destination.
Consumer complaint received 2015-06-16
Product: Credit card — 
Issue: Billing disputes — 
Company: Suttell, Hammer & White, P.S (WA)

After I filed a complaint against them ( Stuuell, Hammer & White ) again took me to court without inviting me to participate. According to my payroll dept, a courtr order allowing them to garnish me was signed on XX/XX/2015. I was ( again as usual ) not served. Additionally, I learned that I Shoud have been served with documentation inviting me to participate in the court process, again, this did not happen. This represents a pattren of abuse and fraud by this company that Must be haulted.
Consumer complaint received 2015-10-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

I mailed a dispute request to Equifax on XXXX/XXXX/15, requesting some items to be investigated. I listed specific reasons as why they needed to be investigated. After not receiving the results back due to me moving, I contacted Equifax today and spoke with a young lady who advised me of the results. When it came to XXXX accounts she stated they came back as verified based on the name, date of birth, social and address. I asked her if they came back verified based on those factors, I never disputed the ownership of the accounts. Long story short, they did n't investigate the accounts per the reason I advised, for example, date opened is not correct, or balance is not correct, they simply had the company to confirm ownership of the account. I asked the person I was speaking with the reason they did n't correctly dispute the information according to what was sent on my initial correspondence, and her response was that it was handled by the mailing/disputes department and they just put in the wrong information. This was not done only on XXXX account but XXXX accounts. I asked to speak with a supervisor as her only remedy to this was to place it under dispute again, I advised her that was n't satisfactory as they failed to perform a proper investigation to begin with and demanded deletion. I also asked to speak with a supervisor. I was transferred to XXXX, who was in the disputes department, ( not a supervisor as I asked for ) who advised she was also not sure why it was not handled properly. The only resolution to the problem was to re-dispute the account. I requested to speak with a supervisor 2 more times before I was transferred to XXXX who stated she was the Floor Supervisor in the Disputes Department. She looked at the letter I sent and confirmed there was an error but could n't do anything except place the accounts under dispute again. Advised that was n't satisfactory.
Consumer complaint received 2015-11-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (IL)

I had a loan with XXXX who entered into a loan modification agreement with me and then suddenly transferred my loan to Greentree Servicing LLC who did not honor the modification agreement. Subsequently they started the foreclosure process in 2010 where it is now in the hands of the court. I need your help to correct this injustice. I 've suffered a XXXX XXXX and other illness XXXX and anguish this has put me and my family through. Not to mention the irreparable finanancial harm this has cause. Thank you.
Consumer complaint received 2015-06-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (UT)

I Have received a collection from convergent outsourcing. for a XXXX account. I have never had XXXX. This was already resolved once before with the previous collector. I am trying to purchase a home and this is falsely being put on my Credit report. please remove.
Consumer complaint received 2015-06-16
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

on or around 2012. I noticed account on my XXXX and XXXX credit report that did n't belong to Bank of America account with a foreclosure status. Date open XXXX mortgage term of two years. I immediately disputed account as not mine. Credit report agency along with Bank of America refuse to remove this item from my credit report. I had never had to an bank of America mortgage. I 'm requesting and complaining that this account be removed from my credit report. I never signed any mortgage loan Bank of America has refused to send me documentation, because frankly there is n't any documentation showing that I a mortgage with Bank of America.
Consumer complaint received 2015-06-16
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Ditech Financial LLC (VA)

I have a 7 day grace period ; however I receive non stop calls on cell/home/work numbers from XXXX the day payment is due until I pay. Where is the grace period? 

I am left messages stating it 's in my best interest to contact them ASAP. Company name Green Tree XXXX. XXXX from Green Tree XXXX and XXXX as well as several other numbers she has called from.
Consumer complaint received 2015-11-25
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Bliksum, LLC (CA)

This lender has called members of my family and friends in an attempt to contact me to collect a debt. This is illegal. I can not be reached by phone but can be reached via email and conventional postal delivery. Furthermore, they say that I have them listed as an " emergency contact '' so my friends and family immediately think something has happened to me.
Consumer complaint received 2015-11-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Southwest Credit Systems, L.P. (IL)

COLLECTOR FAILED TO VALIDATE, CALL MY DAD AND SENT COLLECTIONS TO HIS HOUSE AND HAVE BEEN GETTING PHONE CALLS IN VIOLATION OF FDCPA AND TCPA
Consumer complaint received 2015-06-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (OH)

It 's not that there is incorrect information on my report, it 's that there is very important information that is missing and should be included on my report. I sent all XXXX reporting agencies complete copies of my XXXX XXXX home mortgages and also an equity loan on the XXXX house, all paid off. I was told by them that they will not accept documents of proof from me and that they only will put on a report what the mortgage companies themselves send to them to report. I can not have these past mortgage companies report to them my good credit with these loans, because the mortgage companies no longer exist. So I 'm asking if somehow this can be rectified because as a consumer I have every right to have all my good credit history absolutely on my report and right now it is not on there. It is not fair that my credit is judged without these items on there, so I 'm hoping that somehow this can be solved.