davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-02
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (MD)

I had an account that fell past due. Very past due. The creditor issued me a XXXX and said the balance was forgiven. However it 's still reporting on my credit report as a balance due. I contacted them to pay it off in full, and they refused payment. They said the debt was forgiven. How is the debt forgiven, but still showing as an outstanding debt on my credit report, all while they refuse to accept any payment from me at all? When I call, they read me a disclosure in the begining of the call saying that It 's past the statute of limitaitons and I am no longer legally obligated to pay. If I choose to pay or make any payment, it will restart the statute of limitations and I could be sued. I immediately tell them I understand and would like to pay it off, and they say " sorry, we cant accept a payment ''.
Consumer complaint received 2016-11-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Diversified Consultants, Inc. (MI)

I was contacted by Diversified Consultants dbs DCI on XXXX/XXXX/2016 regarding a XXXX Bill. I spoke to a woman by by the name of XXXX who told me that I was able to set up a payment agreement. I did not want this reported on my credit report so therefore I inquired about a settlement agreement. She told me that I was able to make XXXX payments of app XXXX and the debt would not be reported on my credit. On XXXX/XXXX/2016 I received an alert that information had been added, so once I go check, I see not only did they do an inquiry on my credit without my permission but they added the same debt 4 times on my report causing my score to significantly drop. I immediately called the company back and after multiple calls and emails they call me back on XXXX. i spoke to XXXX and informed her on what was going on and she tells me that I had a certain time frame to pay the bill. I said well why was that not told to me before making the settlement because had I known, I would have taken care of the debt prior to then. She places me on hold and her supervisor, XXXX, comes to the lines and tells me that it will remain and that an update will be made. I informed him that these are unfair practices and this is not what was explained to me when I set up the agreement. The stance of the company is that they are not removing it and will continue to collect on the debt, which is unfair to consumers who are making efforts to pay their bills. I was never made aware of any time frame and it was never stated that the debt would be reported. As I look as review about this company, XXXX other people have had the same complaint with this shady business.
Consumer complaint received 2016-08-04
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Collection Bureau Services, Inc. (MT)

Collection Bureau Services Inc. of XXXX montana alleges that we owe them a debt, but they have never sent us the required notice of our rights to " validate '' or " dispute '' the alleged debt. The first communications that we have received from them, on the nature of this alleged debt, was a lawsuit stating that we owe them this assumed debt. A lawsuit is not a legal form of first communication on any alleged debt. Collection Bureau Services Inc. is practicing Unlawful Debt collection Acts. And since we were never given the opportunity afforded to us by the FDCPA guidlines. We have never had the chance to " validate '' or " deny '' this debt. Which is in direct violation of our consumer rights. As well as the fact that CBS Inc is misrepresenting whom the debt is being collected for. They state that it is being collected for XXXX XXXX XXXX XXXX. But XXXX XXXX XXXX XXXX no longer owns this alleged debt. So how can they be collecting it for them? The supporting documents included : Support of the fact that we were not in default on our payments to the original creditor when they sold our debt off to a 3rd party. The supporting documents also show that CBS INC. Is not in fact collecting this debt for the original creditor as they claim that they are. But rather they bought our account from XXXX XXXX XXXX XXXX while it was in good standing, and currently was in the process of being paid on monthly by the us. The fact that we were not notified that our contract was going to be sold to a 3rd party without our consent, while it was in good standing and being currently paid on. Makes this claim even more outrageous. Our right 's have been violated, by the original creditor " XXXX XXXX XXXX XXXX '' as well as " Collection Bureau Services Inc. ''
Consumer complaint received 2016-07-03
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (WA)

I signed a Quit Claim Deed relinquishing all interest in real property located in XXXX, Washington in XXXX XXXX. My then husband, XXXX XXXX XXXX, DOB XXXX/XXXX/XXXX, subsequently filed for individual bankruptcy later the same year. Due to refinancing the subject property during the ex 's bankruptcy proceedings, XXXX different finance companies related to the refinancing put the ex 's bad debts on my credit report because they knew they could not touch him. This is fraud and grounds for a lawsuit. I sent letters to XXXX, XXXX and XXXX demanding they remove these fraudulent debts from my credit record and received a response from LVNV Funding , LLC, one of the refinance companies involved with the ex 's property. They sent me a " verification '' form which they think I will take as a valid, legal debt on my credit record. However, I have been a paralegal for going on 24 years now and I do not fall for things like that. I am drafting a Complaint against LVNV Funding , LLC, all of their affiliates and XXXX XXXX ( the original account holder ) which I will file in 30 days if the fraudulent debts on my credit record are not removed by then.
Consumer complaint received 2016-08-05
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Finkelstein, Kern, Steinberg & Cunningham, PC (TN)

Continuation of complaint XXXX. We have requested information from this law firm so we can defend ourselves against this predatory lending. We want the name of the person we can call at XXXX XXXX or the current collection agency that they sold the debt to plus all legal documents filed with XXXX County court. Copies of letters sent to our address. We paid this debt in full and the XXXX County Court where the new lawsuit was filed not a continuation of a debt that we quit paying, it was paid in full. We want any letters that were sent to our address which they have on file since the final payment we paid to the court sent to our address also. They have sent another letter since the complaint was filed and we responded to it on last week which is part of this ongoing case. This is predatory lending at its best. We are going to ask the Attorney General of our State to look into this matter. Attached in the most recent letter sent from their XXXX Office. We want the entire file sent to us # XXXX XXXX. XXXX XXXX XXXX.
Consumer complaint received 2016-04-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

I had submitted a dispute to Green Tree Servicing regarding my account. A printout was then sent to me On XXXX XXXX. Whereby I sent a certified mail ( find enclosed copy ) on XXXX XXXX in response again disputing the debt. They acknowledged they were in receipt of it and to expect a written response within 30 business days. in a correspondence dated XXXX XXXX, XXXX. On XXXX XXXX, XXXX another correspondence stating an authorization from my husband is needed before information can be release. Green Tree Servicing has had an authorization since XXXX when they began servicing my account. However, one was sent via fax on XXXX XXXX. I have yet to receive a response. I received another correspondence thereafter dated XXXX XXXX that my account was referred to an attorney. Meanwhile, I had agreed to a 3 month trial modification for the months of XXXX, XXXX and XXXX with a payment of {$650.00} along an additional {$12.00} advance fee. I then received a permanent modification, I signed and returned it and I received a letter thereafter notifying me that I had returned the documents to late. My disputes were never addressed. Foreclosure proceedings were then filed. After looking at my documents I realized that my billing statements along with the transaction history were not consistent nor accurate. Excessive fees were being charged. My monthly payments were being deposited in XXXX account since XXXX. Extra payments were made by me to be applied to my principal were being applied to my escrow account. It was these types of practices and procedures that led them to the judgment against them in Federal Trade Commission and Consumer Financial Protection Bureau vs Green Tree Servicing, LLC. They have then merged with Ditech Financial LLC to bypass cease and desist order. Please help
Consumer complaint received 2017-01-23
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AUTOMOTIVE CREDIT CORPORATION (VA)

I have been contacted by this company multiple times. The company they are trying to sue for is not on my credit files and i never owned a vehicle with the company in question. i went and submitted information to get a car years ago and never got that car from the company ( ended up getting a car from a family member ). it states i owe for the car but i do not owe. i disputed on my credit ( XXXX bureaus ) and which it was removed from all and would like this to be removed as they placed a public record on my account for a debt i do not owe. they also never let me know of the judgement as i looked up the paperwork and was sent to an address i have not lived at in 8 years. I live in XXXX, VA not XXXX, VA.
Consumer complaint received 2017-03-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (MN)

The lender failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). the lender has also not allowed the clients counsel to assist the client in retaining the home
Consumer complaint received 2016-11-02
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (NV)

I contacted Rash Curtis & Associates and asked to have some invoices sent to me via email of all the accounts that I have with them. They told me they did, when they did n't. I asked to have the dispute comments removed and they advised that they would n't remove the dispute comments until I paid them {$5000.00}. I asked to pay XXXX account that was in dispute and they advised that even if I paid, they would n't properly report it to the credit bureaus because they are aware that I am trying to purchase a house. XXXX XXXX at Rash Curtis then told me the following : " you should have paid your bills and thanked the doctors that helped you '' This statement has caused severe emotional harm to myself. XXXX then advised that it is a curtosy to have the dispute comments removed and she was n't willing to do that for me until I paid the {$5000.00}.
Consumer complaint received 2016-11-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (IN)

I had a state tax lien that was attached to my vehicle title in XXXX. This vehicle was being financed so the lien was a second lien. On XXXX/XXXX/XXXX the government lien was lifted from the vehicle. Ally has yet to send the title to the Indiana Bureau of Motor Vehicles to have the second lien removed. 
I contacted Ally by phone within 60 days of receiving the notice of the second lien being lifted yet not action was taken. On XXXX/XXXX/XXXX I used Ally 's online account messaging system to once again try to rectify this situation. To date I have not received any response.
Consumer complaint received 2017-01-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Niagara Restitution Service Inc (CO)

Niagara Restitution contacted me and threatened to serve me on XXXX/XXXX/17 for a debt that was discharged in bankruptcy more than ( 3 ) years ago. As soon as I said lawyer they hung up. I 'm writing you because I am concerned that other individuals may be or have been threatened by this company. Other individuals may not know their rights and the debt collection laws. This company needs to be shut down and a class action lawsuit should be filed against them. I have evidence and I 'm sure many others have evidence of them violating debt collection laws.
Consumer complaint received 2016-07-03
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Through a divorce settlement our ( my ex wife ) and I had defaulted on our vehicle loan. Understandably we recognized it would be in repossession. Both capital one auto finance and myself had been in constant monthly contact due to the non payment and I explained we could no longer afford the vehicle. No problem, I understood they would take possession. I had told them the location, parked it easily so there would be no issue to obtain it. It took them weeks to come take the vehicle. I kept calling but they seemed not to concerned and told me that they would find a tow company and remove the vehicle. No problem. However, weeks before this, maybe more like months, I tried working with them and had a family member willing to purchase the vehicle for XXXX less than what was owed..which at that point that XXXX was entirely all late fees and finance charges..not principle..they said NO! Ok, so fast forward XX/XX/2015 they finally took possession after months of going back and forth waiting for them to either make a decision on selling the vehicle to my family member or take possession..The vehicle was tagged, titled, registered and insured out of XXXX. Insured through XXXX. The vehicle was in XXXX during the repossession because I was up there for a few months during the holidays and looking to relocate possible. So, they finally took possession..I never heard a word from them..not a word, not a call, email, letter, certified..nothing..they simply sold it at auction..I 'm assuming and sold it..the balance owed they simply charged off on my credit..leaving me with a charge off balance of over XXXX. I only found out after recently pulling my credit and seeing what they had done..according to XXXX repossession statue they are responsible for allowing me a chance to buy the vehicle in full, tell me where the vehicle would be stored, tell me the auction day and time and location..and also what they sold it for..Also, through XXXX statue they violated my right to know..giving me zero information..And worse than that they sold the vehicle for far below fair market value for that vehicle..simply taking what they could get and charge me the difference..which is all interest, and fees..they got their principle amount back through the auction..but I was given ZERO notice of anything..I would of bought the vehicle back at the auction..I had offered them double what they sold it for..They also violated XXXX repossession law..I 've written both the state attorney office in XXXX. And my state representative in XXXX. Both parties have stated that capital one clearly violated my rights..they took my vehicle which they had the right, because I defaulted on the payments, but violated my rights in the way they repossed the vehicle. Thus leaving me with terrible credit, an XXXX balance on my credit and I 'm helpless..
Consumer complaint received 2016-09-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

Received notice from XXXX that SPS would be taking over out mortgage servicing and to not send a payment after XXXX XXXX ( next payment was due XXXX XXXX XXXX ). We had to wait for the new account to be established to send in the payment to SPS in XXXX 2016, after we received the paperwork on how to manage online account we attempted on XXXX XXXX to register the account ( unknown account number error ) then on XXXX XXXX ( due date ) we attempted again and the " Security code '' that was supposed to be emailed to our email address never arrived, not in spam folder either, attempted under two other email addresses none worked. The phone number we are required to call asked for account number, enter it and we get hung up on ( tried this 6 times on 4 different days ) ; finally requested the code in writing, no response. Now my mortgage payment is sent in 8 days late ( grace period in until XXXX ) by my bank XXXX on the XXXX of each month and cashed by SPS on the XXXX of each month ( XXXX & XXXX ) however, they call me starting on the XXXX and do n't stop until the XXXX for payment stating its late, today the XXXX they called my private cell phone number which I never gave them so how did they get my cell number? And why are they calling when the account is current? When I call the automated line, enter my account number it states my last payment was made XXXX XXXX and my next payment is due XXXX XXXX. I am XXXX and the back and forth to the phone is ridiculous, having access to the online account would be helpful and I have requested they communicate in writing. There is no need for endless phone calls when the bill is paid, I consider this harassment when there is no reason for the calls, really wish I had a choice about this company being involved in my business.
Consumer complaint received 2016-07-03
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I refinanced with Bank of America in XXXX. All the documents that I have received in my prior complaints support my position that the money past due was placed on the back end of the mortgage yet BOA refuses to correct my credit reports with all of the credit agencies. My outstanding balance after the write was supposed to be placed on the back end of the mortgage. This was what I believed to be happening when I rewrote the mortgage back then, my former rep XXXX confirmed that it was on the back end of the mortgage during our MANY phone conversations yet BOA reported us late for our mortgage for those years resulting in the destruction of my credit rating, resulting in my inability to obtain student loans for my children, and my ability to obtain any form of credit. I have had enough of their delays, their refusal to correct the reports, and their treatment of my account. I have documentation showing that it was placed on the back end of the mortgage yet BOA, slow in their responses to my MANY MANY MANY complaints, take their time in responding, fail to correct the fact and I will have no choice but to file suit for this wrong. I have written many complaints on this issue yet BOA refuses to correct the wrong. Though my loan has been rewritten and my past due amount has now been correctly placed on the back end of the loan my credit continues to be destroyed by BOA. In all of my complaints that I have filed BOA has sent me many letters stating that the matter is still under investigation, can we have additional time to investigate, our representative will contact you, we are reviewing your complaint, blah blah blah yet nothing is done. All I have asked was for BOA to remove all negative remarks from my credit scores from the date of my first rewrite. I have no choice but to pursue legal action, seek damages for their wrong doing, and demand treble damages under a XXXX and all legal fees and costs for filing the complaint if it continues. I think my request to simply remove negative remarks without further action is reasonable as I have documented evidence to support my position. The letter that I have dated XXXX XXXX, XXXX clearly shows that the loan in XXXX was approved and that the outstanding balance was added to the loan. THAT MEANS IT WAS PLACED ON THE BACK END OF THE LOAN AND NO LONGER OUTSTANDING. BOA is a huge company and I am simply a consumer yet this company has destroyed my credit and I can not sit back any longer. My offer to remove all negative credit within XXXX stands, if not, I will commence XXXX proceedings.
Consumer complaint received 2016-11-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Credit Services Inc. (NC)

I am writing this complaint as no action has been taken after having multiple calls to XXXX regarding the calls I am getting from debt collection agency stating I have a pending balance to XXXX. 

On XX/XX/XXXX, over phone, I have cleared full balance and closed the account/membership with XXXX. My bank account statement has the transaction recorded for the same. Despite full payment and closing my account my information was given to First credit service. They have been calling me since XX/XX/XXXX to collect the balance. 

I have made plethora of calls to XXXX regarding the same. Explained the situation every time and every time I have been assured that my account is closed and no balance is pending situation would be taken care off. 

Further, I have been asking for the receipt from the day I made the payment over the phone and subsequently the calls that I have made. Every time I have asked for the receipt I have been told I will receive the receipt in my email. Every time I have confirmed that there is a correct email on account - XXXXXXXXXXXX. However, I have n't received any receipt. 

I have also asked for the receipt to be mailed to my address. I have n't received that. 

Continuous calls from the First credit service to collect debt has become harassment and torture. 

I have also told First Credit service representative over phone that XXXX is not giving me receipt. I told them I can provide bank account transaction detail with reference number and receipt number but they are not accepting that. 

Details for the membership account : Name : XXXX XXXX Phone : XXXX Email : XXXXXXXXXXXX Payment made by credit card ending XXXX to XXXX NC on XX/XX/XXXX. 

PS : All the calls with XXXX was with membership managers.