davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (AZ)

I am filing this on behalf of my mother who is in XXXX. Barclays Juniper had an open charge account in her name. XX/XX/XXXX they initially reported suspicious activity to me on her account via e-mail. I immediately reported it as fraudulent per their electronic website. In XX/XX/XXXX they sent a statement showing the fraudulent balance, requesting payment. This time I sent them a letter requesting they remove the charges. In XX/XX/XXXX they again sent me notice of suspicious activity. This third time I called their security number and once again reported it as fraud. I was ultimately hung up on by their agent without letting me finish what I was saying. After that I sent them a certified letter informing them to close the account immediately and that any repeated attempts to collect the disputed amounts would be referred to authorities. On XXXX XXXX they once again sent a form letter indicating the amount of {$260.00} is due and providing the methods that the amount can be paid. We have notified them four times and they refuse to remove the amount and keep requesting payment. We have done everything in our power to resolve this with the company but continue to be unsuccessful so we are forwarding this to you as an official complaint. Thank you for your help.
Consumer complaint received 2016-01-21
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Pinnacle Credit Services, LLC (FL)

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
Consumer complaint received 2016-03-31
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: Rent Recover, LLC (MI)

A debt collector left a message pertaining to me, on my parents answering machine, whom do not live at my address, are not legally responsible for me, who do not have the same phone number as me, and who does not need to know my personal, private, business. This is illegal.
Consumer complaint received 2016-03-15
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Onity Group Inc. (NC)

On XXXX XXXX, XXXX I refinanced my mortgage with Option One Mortgage Company in the amount of XXXX. Option One Mortgage became a defunct entity in the state of North Carolina in XXXX. On XXXX XXXX, XXXX I received a notice of foreclosure of deed of trust from XXXX XXXX. This notice stated that the present holder of the deed of trust is XXXX XXXX Bank XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX. There was no note attached to notice of hearing. On XX/XX/XXXX months after the notice of foreclosure an assignment of the mortgage from Option One Mortgage Corporation ( a defunct entity ) was assigned to XXXX XXXX Bank XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX. Although XXXX XXXX and XXXX require the servicing company to send a pre-foreclosure notice and notice information, the servicing company did not provide the notice before accelerating the loan on behalf of XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX before become the alleged holder of the note on XXXX XXXX, XXXX according the assignment recorded in the XXXX XXXX XXXX of deeds on XXXX XXXX, XXXX. The deed of trust signed by myself and my spouse clearly states that notice would be sent before the acceleration of the debt. The servicing company is attempting to have the property sold on Tuesday XXXX XXXX at XXXX when it knows that the 45 day pre-foreclosure/acceleration letter was not mailed as required by NC law.
Consumer complaint received 2015-04-29
Product: Credit card — 
Issue: Billing disputes — 
Company: Law Office of Michael J. Scott, PC (TX)

On XXXX XXXX 2015 a representative from MICHAEL J SCOTT PC came to our house to serve us paperwork, first of all my neighbor saw them outside my home taking pictures of our house and automobiles!! this company has not contacted us to arrange any type of repayment plan to solve this situation, we are not saying that we dont owe the debt!! but its not what they are saying we owe, we havent received anything in the mail from them regarding the debt from XXXX XXXX, XXXX!! we are willing to pay the charges that we acrrued but not the balance they say we owe.If they can send us something in the mail in regards to repaying what we acrrued So that we can work toward getting this matter taken care of we would appreciate it.
Consumer complaint received 2015-05-26
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MD)

Hello, I am writing you do to the fact of my husband is a XXXX veteran, he was working a full-time, part-time job and going to school to obtain his XXXX degree. We purchased a home in XXXX of 2014. He then lost all of his employment in XXXX of 2014. He has been diagnosed with XXXX and is unemployable. he is now receiving social sercurity benefits and a small percentage of VA benefits. As soon as he lost his jobs he contact the mortgage company on any type of help or programs that they could provide. we were turn down for all possible programs. I am writing you to see if there is any help you can provide for us as to lower our mortgage to about {$500.00} or less. so, it can be easier to pay the mortgage. we have checked and the value of the house is less then its worth. we want to be able to stay in our home.
Consumer complaint received 2016-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I had inaccurate information display on my student loans credit trade lines. After the Department of Education completed their investigations, they sent a correction out to all the credit reporting agencies to correct the inaccurate information and to show no late payments on my student loans trade lines. They also sent me a copy of their findings and sent me documentation stating they had made the correction to my credit report. All the other credit agencies made the proper changes to my report, accept Trans Union, which deleted all of my student loans with XXXX, They have tried to replace the loans back onto my credit file but to no avail. I have spoken to Trans Union and have asked them to put these items back onto the credit report, but was told there was nothing to be done about it, and that these could n't be placed back onto my credit. They took these items off without my permission or knowledge. They created this problem, and should be made to fix it. I would like for this to happen as soon as possible. my credit has taken a toll because of their mistakes. I want my loans put back on my credit file, and shown properly with no late payments.
Consumer complaint received 2015-09-14
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have been continuing to get harassing phone calls from Portfolio Recovery Associates. I do not owe them any money. It seems like they have purchased an old debt. I have not taken on any debt in over 10 years, and so anything they would be attempting to collect would be very old, from more than 10 years ago, and way beyond any statute of limitations. 

Each time they call, I tell them not to call my number any more. Recently, I told a XXXX XXXX that he and his company were no longer to call me when he called me on XXXX/XXXX/2015 at XXXX XXXX. 

Since then, I have received threatening telephone calls, in which the caller has refused to identify the company behind the call. These recorded calls have come multiple times a day at times, and have been very threatening against me by saying a complaint has been filed against me, and that I was going to be arrested. It is always the same woman 's voice on the recording, and it sounds like she is reading the threat off of a piece of paper. This has happened at times on an almost daily basis. I believe that Portfolio Recovery Associates is behind those calls also, because no one else has been trying to collect anything from me, but since it is a recording and they do not identify themselves, I can not prove it is from them. 

Now, today, XXXX/XXXX/2015, I just received another call from a representative of Portfolio Recovery Associates, at about XXXX or so. He did identify the company this time. He was very aggressive and demanding in his tone. This is after I have told them repeatedly never to call me again.
Consumer complaint received 2016-03-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I can not print and view my full credit report online. There is also a name XXXX XXXX XXXX. Which is not mine. This person had stolen my identy a couple of years ago and her name was supposed to be removed from my credit report and it 's still showing on my credit report. Please remove her name and I the collection companies I.c and remex has been paid in full. This should have been moved from my credit report years ago. I wish to have this resolved ASAP as a I am looking for proper housing and need good credit. Please contact me at XXXX. My full name is XXXX XXXX XXXX. Your immediate attention be greatly appreciated. 


P.S. this identity theft person XXXX XXXX XXXX committed this crime twice and went to court twice. 
Thank you XXXX XXXX
Consumer complaint received 2016-01-20
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (AR)

On XXXX/XXXX/15, I purchased some Car Audio equipment, I paid the buyer with my Citi-Bank credit card. I never received the item 's I purchased. I filed a dispute with Citi-Bank, On XXXX/XXXX/15, I received a conditional credit. On XX/XX/2015. Citi - Bank reversed the credit. On XXXX/XXXX/15. I received a letter from Citi-Bank reguarding the transaction. If I wanted to still dispute it I had to fill out the form and send it in. I sent it twice. But City-Bank, claims they never received either one. Now they tell me the time to file has elapsed, not my fault they cant do a simple task, and constantly lie. This is why they will never Be XXXX or XXXX
Consumer complaint received 2016-01-21
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: NAVY FEDERAL CREDIT UNION (NC)

navy federal credit union has been reporting information that was previously deleted on my credit file the information was attached to fraudulent activity in the year of XXXX no reporting or any validation of debt letters was sent to my addresss and then admititted thru phone conversations that they did not have the right address on file and still continued to report the information after me giving notice in writting as well as verbal communication to there recovery department then on XXXX/XXXX/XXXX reaged the information and reported it to XXXX as if the information had been reporting the entire time on my credit file. I had a converstion with a XXXX XXXX in there recovery department where i was rudely talk to as well as hung up on in my attempts to try and resolve the issue i also spoke with another coworker of the supervisor by the name of XXXX who was also a supervisor alerted her to the issue and told her that i have written in and called on several occaisions trying to get the matter resolved only to be told that there was no way that the information would be removed even if there where violations under my states fair debt collection pratices act and all informaation that they are reporting will stay the same even if i dont think its fair. Aftrer requesting to speak with the director by the name of XXXX XXXX i was told that no one there will be able to handle the issue and that i needed to put everything in writting again which i did and no one contacted me back. also there was no mention that they where seeking to collect on a debt that they had charged to profit loss without giving any notice that it was there intention on collecting on a debt and that it was in leiu of the communication. Also the account does n't belong to me as the account number doesnt even exist in there records but are still reporting the information after being communicated with knowingly that the information is wrong and that it was in violation of my consumer protection rights. After calling back to try and create a resolution i spoke with another worker by the name of XXXX and was flat out accused of lying and she accused me of commiting a creime acting in the capacity of an goverment official and that i was harassing them and that if i called back again they where going to get me arrested. Also the accounts that they are reporting in my name does not even exist which if there saying that they know the information as being accurate even though the information is not in there system. and the accounts there reporting doesnt exist.
Consumer complaint received 2015-07-09
Product: Credit card — 
Issue: Other fee — 
Company: U.S. BANCORP (TX)

First, and I realize this is not an illegal business practice, I am very upset that I was sold this card at my bank and was not told that they were partnered with a 3rd-party service provider, rather than handling the debt themselves. This card has been the bane of my existence! 

My chief complaint, however, is that I recently learned that Cardholder Services does not permit online update of auto-pay information, although they provide a way to update bank information online. According to the representative I spoke with today : " We do not know that [ you ] have changed bank accounts just because you update the bank account information on our website. How would we know this? '' So despite the fact that I changed my bank account information on their online portal in XX/XX/XXXX when I changed banks, Cardholder Services attempted to debit my old account, I got hit with a returned item fee, and I had to deal with their abysmal joke of a customer service representative. Apparently, the only way to change auto-pay is to call Cardholder Services, have them update their database, then go online and set up auto-pay again. Insane! 

During that call, I authorized my domestic partner to speak on my behalf and my partner requested that a copy of the cardholder agreement or other document that stated that I was required to call them to update the auto-pay details be mailed to our home address for our review. Immediately upon my partner requesting this, the representative refused to speak with her any further, which given that Texas is a Community Property state and we have a notarized document declaring that we are responsible for each other 's support ( debt included ), I 'm fairly certain my partner has the same legal right as me to request said documentation. I 'm also fairly sure that policies such as this must be in writing. I 'm also fairly sure this representative refusing to speak with my partner when I instructed her to discuss these matters with my partner is illegal and discriminatory! My partner asserted a legal right and I want to understand why we were treated as morons ( the representative spoke to us as though our combined XXXX ) and I had to re-request that the documentation be sent ( with no assurance that it would be ).
Consumer complaint received 2016-01-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (NY)

I reported my credit card as stolen as soon as I was certain I did n't have it anywhere. When I called the credit card company we discovered there had been fraudulent charges. The representative informed me that they put a hold on my card due to suspicious activity. I was told I would be credited for the charges and an investigation would take place. A week later I received a letter explaining my claim was denied as they believe the card was in my possession. This is not true. These are fraudulent charges. I did not sign or put in my pin number for these purchases which I believe should act as evidence. If my credit card company investigated my usual activity it should be clear these purchases are not typical in my credit card usage.
Consumer complaint received 2016-02-09
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

Please see attached letter to Wells Fargo Home Mortgage and documents of proof, copies of MY DEEDS of Full RE-CONVEYANCE, I DO NOT HAVE A MORTGAGE WITH WELLS FARGO. 
Below I will mark making payments because the account number did not exist and when I went to Wells Fargo to make payments, the account did not appear on screen, so the agent would enter my name and take the payment. One day the agent just told me look XXXX XXXX this is not a Wells Fargo Account. Check with them to see why they are sending you statements. I knew I did not have a Mortgage and that my home would not have appraised out for that amount, and if I refinanced XXXX times as they contended, where was the Money? I did not at any time have a Mortgage with Wells Fargo nor did I refinance with Wells Fargo ever. ( See attached proof of deeds of Full Re-Conveyance )
Consumer complaint received 2015-09-28
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (NE)

The agency representative called my church and left a message that included his name and an account number. That call occurrred on Saturday, XXXX/XXXX/2015. Then, on Sunday XXXX/XXXX/2015, the same representative called during morning service at church and attempted to insist that I speak with him. I researched the company name that was given and found that they had called my home telephone number at least XXXX times and had not left a message of any kind. I am not aware of what debt, if any, that I owe this entity. Additionally, I do n't know how this company found out what church I attend and why they thought that they could interrupt my worship experience to address issue. Even if the debt is legitimate, Sunday morning worship, or any worship time, should not be interrupted by a collector.
Consumer complaint received 2015-04-29
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: J.S Resolution Group, Inc. (TX)

Collector is trying to collect {$680.00} on a debt for XXXX XXXX XXXX. The collector is J.S. Resolution Group. The amount of the loan is only {$500.00}. I have been threatened to have legal action brought against me with or without my knowledge. This account is not owned by J.S. Resolution Group.
Consumer complaint received 2015-11-19
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NAVY FEDERAL CREDIT UNION (NV)

I refuse to go back and forth, he said she said. This is my third complaint and I would like some issues addressed to determine if any CFPB rules were broken. I have attached two documents. One is a statement from NFCU and the only document I have received as to my denial of a VA loan and it 's in the form of an email. The other is a statement from XXXX XXXX from the VA disputing the statement from NFCU. Only XXXX is the truth. This issues that need to be addressed are from the response of NFCU in complaint # XXXX and are as follows1 : First of all I would like to know who I am addressing. There was no name attached to the response from complaint # XXXX or complaint # XXXX or complaint # XXXX or complaint # XXXX and if you are qualified to make decisions on my file and why did the loan officer that was handling my loan get fired. 
2 : As a requirment to report all loans to regulators, what reason did you use for my denial of the VA loan. Was it the same XXXX you gave me, that I did n't pay my last month 's rent. I do n't believe that is XXXX of the data points outlined in Regulation XXXX Especially after being pre-approved. 
3 : The high cost mortgage I was offered. Does it comply with regulations as set forth in Regulation XXXX after I locked in a rate of 4 % just 30 days prior. Why the high cost mortgage? according to my credit report I had no derogatory remarks, no missed payments on anything and my scores were XXXX and XXXX. I attached a copy of my credit report in complaint # XXXX : You stated that NFCU undertook extensive efforts to assist me, but a VA loan was not an option because of unsatisfactory verification of rent and a court judgement. Well I too took extensive efforts to prove that both landlords lied. Without going into lengthy explanations, I did send XXXX XXXX proof along with a satisfaction of lien from the court. I attached a copy of that in complaint # XXXX. So that was not an option to turn me down. Than you stated that NFCU contacted the VA and they confirmed that the loan was not eligible for a guarantee. Please provide proof of that contact. I do n't think you did. 
5 : You said you attempted to offer possible assistance, but the number you gave in complaint # XXXX is to a telemarketing company. I did call it for possible assistance. 
6 : I am going to have to include your the title company acting as your agent agent. XXXX XXXX. At closing, they failed to disclose anything to me. We just went through page by page with just a sign here. I did n't even know I had mortgage insurance. I am sure they followed all the regulations, but why was my wife added to the note when I distinctly said not too. She receives all correspondence from NFCU including late notices. My question is, did you report her as a co-applicant and if so, did you report her ethnicity as XXXX. 
If you can please address these issues I have I would appreciate it. I am sure the CFPB would be interested also.
Consumer complaint received 2016-01-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

We are with this mortgage company name OCWEN. We are trying to modify a loan but the company keeps asking for documents that we have already submitted numerous times. The company claims that they are not receiving the documentation. It has been seven months to try to get this modification completed. During this seven month period the company stop excepting our mortgage payments and received mail that they are starting foreclosure. On their documents it states that while we are in the process of modification that there would not be a foreclosure filed.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX