davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-18
Product: Other financial service — Debt settlement
Issue: Excessive fees — 
Company: Brelvis Consulting, LLC (ME)

I was charged  XXXX  by The Student Loan Help Center to act as my " Limited Power of Attorney '' in expediting the transfer of my debt from  XXXX   XXXX . My original understanding of what was to transpire, and why I was paying them {$990.00}, was they would be transferring my debt and I would then be paying them back my debt, rather than  XXXX   XXXX . Basically, refinancing my debt to The Student Loan Help Center. Once the process was completed my debt was transferred to  XXXX   XXXX . I started to make my new payments to  XXXX   XXXX  and noticed my principle was not decreasing. I called  XXXX   XXXX  and questioned the payment plan and inquired why my principal was n't deceasing. Through my conversation with  XXXX   XXXX  I advised the representative I had paid {$990.00} to have my debt transferred to them. At which point he told me  XXXX   XXXX  would never charge a client to have their debt transferred and " no one should be charged money for a service when it comes to federal loans. '' He recommended I reach out to the Consumer Financial Protection Bureau to attempt to get my money back. He also advised not only should I not have been charged, but {$990.00} was completely unreasonable to have a help center fill out some paper work on your behalf and that  XXXX   XXXX  would not have charged me anything. At this point I was shocked and outraged to know that I could have just gone through  XXXX   XXXX  to begin with and not had to pay {$990.00} to basically have paperwork completed. I 've been through this process before when I refinanced my private loans through  XXXX   XXXX , and they did n't charge me anything to have my debt transferred. I was under the impression and the extent of my understanding was that I was paying The Student Loan Help Center to take on my debt and I would be paying them back and that 's why there was a charge of {$990.00}. At no point was this process explained in detail that The Student Loan help center was just a servicer to have my debt transferred to  XXXX   XXXX . If I had known that I would have just contacted  XXXX   XXXX  directly and go through the same process I did when I refinanced my private loans with  XXXX   XXXX . {$990.00} is a rip off for such a service and is almost a years worth of payments on my student debt! I would understand this charge if The Student Loan Help center was the servicer taking on the responsibility of my debt, but that was not the case. The Student Loan Help center should have just told me what to do in order to have  XXXX   XXXX  assist me with transferring/refinancing my debt, and charged me maximum {$100.00} for the professional advice.
Consumer complaint received 2017-06-20
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Amsher Collection Services, Inc. (TX)

To Whom it may concern, My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX. XXXX TX. XXXX, Cell # ( XXXX ) XXXX. I would like to submit a formal complaint against Amsher Collection Services, XXXX XXXX XXXX XXXX XXXX, XXXX AL. XXXX Ph # ( XXXX ) XXXX. I am currently going thru the process of purchasing a home and had my credit pulled, when that was done I found out that I had an old debt of {$66.00} with XXXX which was in collection with Amsher. I never received any calls or letters from this company about this debt so I was never made aware of it until now. I called the debt collector to pay my debt in full, when I spoke with them they had agreed to remove the debt from my credit report if I paid it in full which I happily did. Two months have passed by and the debt shows that it was paid but was never removed from my credit report, I tried numerous attempts to call and ask that they hold up their end of our agreement but every time I get someone on the phone and they realize I am not calling to pay a debt they rudely hang up on me. Now that I have paid them they want nothing to do with me and without them removing the debt from my credit report it has actually hurt my credit. I really wish I was smarter and had some type of agreement letter before paying these devious people who agreed to help me if I gave them the money they asked for. I believe this was a deceptive act to collect money from me for a debt I never knew existed. I would appreciate any help you can provide me in holding Amsher Collection Services accountable for their actions. Thank you for your time.
Consumer complaint received 2017-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION (AZ)

BBVA COMPASS Bank keeps charging excessive fees. They count Saturdays and Sundays as a regular banking day even when they are not open. I have had several fees regarding scheduled payments on sundays and I go in and deposit on Monday and they charge a hefty NSF fee. You need to look into that for my sake and the rest of the consumers.
Consumer complaint received 2017-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

I own a townhouse located at  XXXX   XXXX   XXXX ,  XXXX   XXXX , NJ. This property is part of  XXXX   XXXX .     The Master policy covers all insurance required by a mortgage company, i.e. all inside walls proof of this insurance has been provided on many occasions to  Loan Care   XXXX  by myself,  XXXX   XXXX  and the  Insurance  agent.      Loan Care  has ignored all of these documents and has placed lender forced insurance on my mortgage that is not necessary.
Consumer complaint received 2017-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX-XXXX XXXX SS # XXXX-XXXX-XXXX Re : Chase account XXXXxxxx XXXX  To Whom It May Concern : I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? Thank you Sincerely,
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

SOMEONE USE MY IDENTITY AND OPEN UP SEVERAL ACCOUNTS UNDER MY NAME IN XXXX XXXX NEVADA FROM XX/XX/XXXX- TO XX/XX/XXXX. I HAVE LIVED IN ALABAMA ALL MY LIFE. THESE ACCOUNT ARE EFFECTING MY CREDIT SCORE. I HAVE SINCE WENT TO THE STATE OF ALABAMA DMV AND ASKED FOR 17 YEARS WORTH OF DRIVERS LICENSE. I HAVE DISPUTED AND XXXX STILL REFUSE TO REMOVE FROM MY CREDIT FILE. I AM ASKING FOR A FULL AND ACCURATE INVESTIGATION IN THIS MATTER. THESE ARE THE FOLLOWING ACCOUNTS OPEN IN XXXX XXXX NEVADA UNDER MY NAME!. XXXX XXXX 2. XXXX XXXX 3. CHAPTER XXXX BANKRUPTCY XXXX THESE ARE NOT MY ACCOUNT U CAN PROVIDE A LEASE FOR THE PAST 10 YEARS FROM MY LANDLORD AND OTHER DOCUMENTS THIS IS NOT ME!!!
Consumer complaint received 2017-06-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION (FL)

The Bank M & T has cheated me out of a {$250.00} bonus offer as advertised on line. I opened a checking account and setup a direct deposit as required. The balance in the account is now over {$6000.00}! When I inquired as to when the bonus would be paid was told I am not eligible. Now they are telling me the wrong account was opened. I applied for the bank 's EZ Choice checking account.
The bank opened a Classic Checking Account with interest account.
Now, they tell me the bonus offer WILL NOT be paid. Instead, they paid me an interest payment of just {$0.00}!
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is a formal consumer to business complaint ; I have been attempting to get information removed from credit files since XX/XX/XXXX, with no success ; have called, faxed, email and mailed written request to have errors corrected with all three agencies XXXX, Equifax, and XXXX. I do not have a signed contract with the following companies ; I have never done business with these companies and not liable or responsible for these debts. I would like correction to all credit report files with removal of the following information. Accounts that are not mine and need to be removed : Judgment # : XXXX, XXXX XXXX XXXX XXXX # : Unknown ( multiple accounts ), XXXX XXXX # : Unknow ( multiple accounts ), XXXX XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX # : XXXX, XXXX, XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, also remove inquires from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never applied for credit with these companies. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are not my names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Positive account to " add revolving credit account '' : XXXX # : XXXX this account was opened XX/XX/XXXX has a XXXX limit XXXX no balance ; no late payments currently opened paying as agreed
Consumer complaint received 2017-04-19
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: TrueAccord Corp. (CA)

I am constantly being bothered and harassed by a company called  True Accord!!!!  The guy named  XXXX  called me at work about a debt I know nothing about requesting credit card information. I advised him I could not talk he called my job.     After that I have received calls on my cell phone and I receive at least  XXXX  emails from them a day. They are being very aggressive and threatening to sue me if I do n't resolve the matter before   XXXX   XXXX       I have received  XXXX  emails from the following individuals below just in the month of  XXXX  and today is only the  XXXX !!!     I have received emails from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  They also said they are called  XXXX   XXXX
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX.XXXX SS # XXXX Transunion Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an inquiry unauthorized inquiry from XXXX which was made on XX/XX/2015. I checked my credit report, which I acquired from Transunion. I have contacted XXXX, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,
Consumer complaint received 2017-04-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

After paying off my mortgage, Wells Fargo Home Mortgage issued an escrow refund check in my name but sent it to the wrong address. I presented this problem in person to a banker at a Wells Fargo branch. It was suggested that I had something to do with the wrong address. It was suggested that I forgot that I used to live at this wrong address. Blaming the customer first is not acceptable. Wells wanted to know if I received the check. No I have not. I am only aware of the wrong address on the check because a PDF version of the check is available online. Astoundingly, the first question I was asked by Wells : Do I have a banking relationship with Wells Fargo? Yes, but maybe not for long.
Consumer complaint received 2017-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I just had a recent call from XXXX XXXX reps supervisor to call and tell me the samething her rep XXXX told me that when I reported my atm card lost and reported nothing was done in getting the finger pointed back at me telling me bank of America does not care both these women are unprofessional and rude I tried to explain to XXXX that I had tried to report this and nothing was done this is very frustrating that no one from this company takes anything serious I never owned an XXXX and im tired of being called a liar I want a manager to give me a call I 'm going to file more complaints with bbb, and the state of ga bank of America is not doing there job all they want to is call you and blame you and not resolve anything and I will not by no one from this company call me a liar when I reported my XXXX card lost and charges I did not make and I will not tolerate anyone telling me I 'm wrong is when none of this was handled right I do have evidence of me not owning a XXXX and I have other evidence to show what bank of America has n't done to resolve this but instead call me with excuses I want someone in hiring authority to contact me not XXXX nor XXXX, I called about a concern to report a problem and I 'm also going to the branch manager if I have to to get her to contact corp about this, I 'm tired of this and very angry that bank of America only cares about laying the blame on me instead of listening and pointing the finger please have a manager contact me asap thank you, I have never been treated with the disrespect and how someone calls you a liar unacceptable to me
Consumer complaint received 2017-06-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems (TX)

On XXXX XXXX I filed a complaint- reference number XXXX against MIDWEST RECOVERY SYSTEMS. In their response to the CFPB regarding this matter they indicated that and I quote, '' Additionally, in this instance a record for deletion has been sent to all XXXX credit reporting agencies. '' On XXXX XXXX, it was brought to my attention that this account is still being reporting to XXXX and this occurrence has been verified by XXXX customer service agents of XXXX On that same date, I contacted Midwest Recovery Systems and I was given an elaborated reason by some XXXX XXXX as to why this account is still reflecting on my credit report. This morning on XXXX XXXX, I call Midwest Recovery Systems and spoke to a XXXX XXXX and I feel that I am being giving the run around. Now I am filing this follow complaint against the Midwest Recovery Systems for clearly providing false information to the CFPB. It seems evident that they have no problem providing false information to a federal institution. This attitude of theirs is further evident in their total disregard of the federal statutes of the FCRA that binds them. The latter is perhaps a reason why I have never received a debt validation notice from them since I started communicating with them. More importantly, after sending them a certified mail requesting for validation of the debt as indicating in my previous complaint they continue to report this account to XXXX and I am yet to receive any response to my debt validation request.
Consumer complaint received 2017-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (FL)

I just got a copy of my credit report and noticed a collection account from  Deville Management  reporting to the credit bureau  XXXX . The account on the credit report is  XXXX . I called them at the telephone number listed on the report at  XXXX  ; they told me they gave the account to another agency to try and collect.   A representative gave me a telephone number, I called the 1st number (  XXXX  ) its an apartment complex, I calle d Deville Management  a  2nd  time they gave me another number  XXXX , they said they do not have any account for me, I calle d Deville a   3rd  time they gave me another number  XXXX  I called them and they do not have the account. I called Deville a  3rd  time and asked them what is going on, they can not give me an answer. They told me it i  XXXX   XXXX   XXXX   XXXX   XXXX  account, but I have not had a   XXXX    XXXX   XXXX  account in over 10 years, I would like this account removed from my credit bureau because apparently these companies purchase debts and do not have correct information. This is not my account, I do not remember having a   XXXX    XXXX   XXXX  credit card..
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have called Equifax and XXXX and have sent a multiple inquiry letter to both of them to remove all fraudulent inquiry 's off my report and I got the general card response that inquiries are factual and will stay on my report for two years. I have had a fraud alert placed on my credit file to ensure no credit is issued without contacting me. I explained to the Representative XXXX in the fraud department with Equifax and XXXX with the fraud department of XXXX that I had no knowledge of these inquiries as they are not tied to an account and I did not authorize those inquiries but I was told they are factual & they will not dispute them. XXXX with XXXX  was VERY rude as I asked her to transfer me to a US special handling Representative she lied and said she could not transfer me and said she would hang up in my face if there was nothing else I needed. I believe XXXX and Equifax practices unfair procedures and I know for a fact that they do n't investigate anything wheather it 's inquiries or a account that 's reporting incorrectly.
Consumer complaint received 2017-06-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NY)

My mother died in XXXX XXXX but XXXX XXXX XXXX forge my mothers name in XXXX XXXX, XXXX had it notarized and everything for a home loan modification. Soon as I saw the signature I knew it was n't my mothers and I knew it was fraud. And now they put my house in foreclosure and trying to foreclose on my house this is wrong this is a crime and this is against the law. Ditech financial is the mortgage service company.
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX  XXXX SS # XXXX XXXX Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from CREDCO which was made on XXXX XXXX/2016. I checked my credit report, which I acquired from XXXX I have contacted CREDCO, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,
Consumer complaint received 2017-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cooling & Winter LLC (GA)

Back in XX/XX/XXXX & XX/XX/XXXX, I settled all accounts I had in collections by paying off balance agreements in full via check and a couple online thru a debt collector ( who does n't have a positive reputation ) XXXX XXXX who sold my info to XXXX XXXX ... a GA debt collector firm ... both companies involved in major law suits in XX/XX/XXXX and XX/XX/XXXX due to deceptive debt collection practices. I fell victim to a XXXX XXXX wage garnishment myself during that time along with paying off other balances in full. These were all credit cards from roughly XX/XX/XXXX that went delinquent. USince XX/XX/XXXX, I heard nothing from anyone because they were paid off and settled. I am sure you guys know that you guys led to XXXX XXXX 's demise and the law firm closed in XX/XX/XXXX. Two of those partners though have opened a law firm in XXXX, GA under their names Cooling and Winters. Today, XX/XX/XXXX, I get a letter in the mail today in regards to a XXXX XXXX XXXX account claiming I owe over {$2000.00} when that account was settled and paid for back in XX/XX/XXXX. That credit card went delinquent back in XX/XX/XXXX but again I rectified it in XX/XX/XXXX by paying a settled amount a little under {$1000.00}. I called the law firm and the woman I spoke with claimed that XXXX XXXX never notified them my case was closed and then she began to ask me about two other accounts that were settled back in XX/XX/XXXX as well. She brought up XXXX XXXX 's closing and how their old files were transferred ... Of course if this company is own by two prior affiliates. I have the letter I received today. The woman I talked to today did give me XXXX XXXX contact info so I can call them and ask about my closed cases. She said it 's possible where they made the mistake of not properly closing my files. I plan on going to my bank in the morning to get copies of the checks used to pay XXXX XXXX and whatever other payment info. These are debts I do not owe because they were paid over 4 years ago. How can this be rectified? I have also filed a complaint to GA 's Attorney General.
Consumer complaint received 2017-06-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Express Recovery Services, Inc. (UT)

Express Recovery services is still reporting and attempting to collect on a debt that was covered under insurance. I have been in the military serving our country for more than 15 years. We have amazing insurance with no deductible or co-payment. XXXX has advised us multiple times that they have taken care of this and it should have never been sent to collections.
Also this debt is from 2010 and we have never made a payment. It is past the statute of limitations in the state of Utah. This debt is not valid and we do not owe it.