davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-13
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: ENCORE CAPITAL GROUP INC. (MI)

Midland Funding LLC has fraudulently claimed to the XXXX ( XXXX ) National Credit Reporting Agencies ( XXXX XXXX, XXXX, and XXXX ) that they have received a Final Monetary Judgment in the Michigan Court ( XXXX XXXX XXXX District Court ) which they have not and which is completely fraudulent. This intentional fraud on their part has destroyed my Credit Rating and has caused me great monetary damages due to their intentional fraud. I have attached physical evidence. 

The Michigan Supreme Court has asked the Michigan District Courts to suspend all actions of Midland Funding LLC in their Courts while the Federal Govt. currently investigates their fraud ( I have attached the Court Case which shows this suspension by the Court ). The XXXX County Court ( XXXX District Court ) has suspended all actions by Midland Funding LLC in their Court. Despite this case never being settled and no judgment ever being granted or settled, Midland Funding LLC went ahead and fraudulently ruined my credit with the XXXX ( XXXX ) National Credit Reporting Agencies ( XXXX, XXXX, and XXXX ) and fraudulently reported to all three that they had received a final judgment from this Court which is completely untrue. I have reported this fraud on their part to the Court as well. 

I would like to proceed with this Complaint and offer the CONSUMER FINANCIAL PROTECTION BUREAU this physical evidence of all the above and all of the additional claims that I have regarding this continual fraud by Midland Funding LLC. I also feel that they have no rights to this case or claims that they have purchased this debt from any Credit Card company and the dollar amount that they have claimed is fraudulent as well. I am not responsible for this debt and it is a fraudulent debt that they have reported as them being the new debt owners of. They have inflated this debt with tremendous additional charges and fees they have just added on or attached from almost a decade past from a previous divorce that I am no longer responsible for and tacked these fees on to their fraudulent claims with their fraudulent lawsuit from any original debt amounts. I do n't believe they legally purchased any of these debts and have no proof of their ownership of this debt and the amount is not accurate and inflated.
Consumer complaint received 2015-12-29
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

This is a complaint in reference to a credit card account ending in # XXXX that was sold from Capital One to XXXX. XXXX removed the credit card account ending in # XXXX from all XXXX credit reporting bureaus after I filed CFPB complaint because of fraudulent add on charges. This complaint does not include XXXX as they fully address the situation and I thank them for that, reference the original CFPB complaint # XXXX. On XXXX/XXXX/XXXX I disputed Capital One with the XXXX CRA 's, Capital One continued to make updates to this account as if they still own it. They made an additional update on my credit report even after I disputed showing it was 30 days delinquent in XXXX XXXX. Yet they sold the account to XXXX prior to XXXX XXXX, I do not know the exact date Capital One sold it to XXXX but XXXX sold the account to XXXX in XXXX of XXXX. I have attached a letter from XXXX showing the transfer to XXXX. I have also attached a prior statement showing Capital One account number matches the account number listed on the other documents, XXXX shows the original creditor as XXXX. Yet Capital One continues to report on my credit report updating with current activity that happen after the date of there sale to Capital One. Again XXXX has removed this account from all XXXX credit reporting agencies and I have enclosed the letter from XXXX dated XXXX XXXX stating this. 
Yet Capital One continues to add current updates to this account as if they still own it.
Consumer complaint received 2016-02-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Funding sued me in court. They could not provide verification of debt, so it was dismissed in court. They will not remove it from my credit report. They continue to lie to XXXX saying that the court documentation is not for that account. Even though it is. XXXX removed with no issues. When calling them, they state they will not remove it because they still consider it collectible, even though it is past the statute of limitations, and they already lost in court. I have been denied credit, and have a high APR on open credit due to this.
Consumer complaint received 2016-01-30
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (CA)

In 2009 my grandmother passed away, and I was given her car. I had purchased a car not too long before my grandmother had passed. I called the bank that I had a car loan with and explained my situation. I wanted to see what my options were. I asked them if it would be possible to return the car? I remember the person that I spoke with was really nice and he said that it would n't be a problem. I asked if anything would happen to my credit and he said, " No, since it would be a voluntary return of a car they would just resell it. '' I waited a little over a month before someone came an picked up the vehicle. I thought everything was ok and so I went on with my daily life. About a month later my car from my grandmother was running right and so I decided to sell it and use that money to purchase a new car. I wanted something reliable for myself and my daughter. At the dealership, they ran my credit. The loan agent said that I had a repossession on my credit and that I would have to put more down or have a really high interest rate ( 27 % ). I told him that something must have been wrong because I never had anything taken from me. He that the last car that I had was repossessed. I was getting frustrated because I did n't know at the time that voluntary repossession and a repossession is all the same thing. I explained to him what had happened. He said that we was n't surprised that this had happened to me. He has heard of banks doing this to several of people. I was young and very inexperience when it came to my credit and finances and just did n't know. I told the lender that I had a job and been working for several years. I could have kept the car and continued making my payments and had I known that my credit would be affected I would have kept the car or tried to sell it. The lender worked out a loan for me, but my interest rate was pretty high and almost 7 years later I am still dealing with this. My husband and I are trying to purchase a house give our children something we did n't have. This mistake has been haunting us for so long. The repossession is the first thing that pops up on my credit report and the banks do n't want to help us ... until now. We found a lender that is will to work with us if we are able to have this repossession move to the bottom of my credit report. I 'm praying for some grace! I 'm much older now and wiser. I 've been teaching my oldest daughter about credit and finances and how important it is to read and search on things before you sign anything. Do your research before you agree to anything. A very hard lesson I had to learn, but I learned it.
Consumer complaint received 2016-01-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One will not remove late payments the reported on my credit reports in violation of FCRA XXXX XXXX a ) ( XXXX ) ( G ) ( i ). I have disputed this account several time and they will not remove the late payments they reported to the XXXX CRA 's. The account was paid in full and asked them to remove the late payments because I never received any FCRA XXXX ( a ) ( XXXX ) ( G ) ( i ).
Consumer complaint received 2015-12-22
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Franklin Credit Management Corporation (CA)

My loans ( XXXX & XXXX ) were originally with XXXX XXXX XXXX XXXX XXXX until they went under and were sold to Franklin Credit Management Corporation who is the servicer for XXXX XXXX, XXXX. I fell behind on my payments on my second mortgage and applied for a loan modification and sent in my documents. I received notification from XXXX XXXX XXXX that I was going into foreclosure and the Trustee was The XXXX Firm. After researching I located the Substitution of Trustee which was dated XXXX/XXXX/2015, however, this document was not recorded until XXXX XXXX, 2015, Three months later, additionally, there was no evidence that notice of the substitution was sent to me as required by law. The Notice of Default stated as of XXXX/XXXX/2015 I owed {$75000.00}, the Notice of Default was recorded on XXXX/XXXX/2015. I am questioning the validity of the Notice of Default, also, who was my previous trustee prior to the XXXX Firm, since the loan was transferred a couple of times.
Consumer complaint received 2016-02-15
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: MidAmerica Mortgage Inc (SC)

I applied on line to Mid America Mortgage for a FHA loan on-line. Their representative, XXXX XXXX took my application and issued a letter of qualification and sent me a request for some additional documents. I was not returning the documents fast enough for XXXX and he began to call me daily and become difficult to deal with. Finally, I told him to leave me alone and that I would get the loan elsewhere. XXXX XXXX then called my real estate agent and complained that I was not living up to the purchase contract for the property. Unbeknownst to XXXX, my real estate agent is my wife. XXXX was obviously using private information that I had given him during the application process to damage my purchasing the house because I would n't use him or Mid America mortgage. When I called him, he said that he had every right to do it and that I was the one in the wrong. He has violated the basic rule that my information is private between us and not for any use other than what I intended it for when I gave it to him.
Consumer complaint received 2015-12-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Professional Debt Mediation, Inc. (GA)

A representative for PDM ( Professional Debt Mediation ) by the name of XXXX XXXX used intimidation and bullying practices to collect a debt from my spouse and myself. XXXX XXXX spoke in a very condescending tone and also raised her voice in a scolding way as well, on more than XXXX occasion. XXXX example, on XXXX/XXXX/15 I contacted the office to arrange a payment schedule for the remaining debts to be paid. I was advised by the original creditor, a XXXX XXXX XXXX representative " XXXX '' to ask for XXXX XXXX 's supervisor, due to a recent conversation XXXX XXXX had with my husband XXXX XXXX that did not go well at all. I called, asked for her supervisor, and was placed on hold in which seconds later XXXX XXXX was on the line. I told her who I was, and I requested to speak with XXXX XXXX ( supervisor ). XXXX XXXX immediately in a hostile tone proceeded to inform me of what needed to be paid. I waited for her to finish and then stated that I was advised to speak with her supervisor, she raised her tone and said " Look I 'm not playing these games with you! '' I at that time hung up and called the original creditor. XXXX ( original creditor ) called XXXX, and was able to speak with XXXX XXXX immediately. XXXX returned my call to give me XXXX XXXX 's extension, and advised me ( again ) to call XXXX XXXX. I was able to speak with XXXX XXXX, he scheduled the payments to come out on the dates I specified, and stated that he would look into the incidents. I would like to add that XXXX also left intimidating voice messages for both my husband and myself. Though XXXX XXXX ( very polite ) is now handling our account because of XXXX XXXX 's collection practices, I thought it was extremely important to file a complaint. I would not want anyone else to experience the verbal abuse that my husband and I have experienced, at the hands of XXXX XXXX of Professional Debt Mediation. These debt collectors need to always respect others, just because a person has a debt does not mean that you are free to speak to them in a disrespectful, demeaning, and abusive way. Professionalism should always be first and foremost, at all times. Hostility is unacceptable and should not be allowed, ever.
Consumer complaint received 2015-06-02
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (FL)

I had several accounts with GE Capital they were all in good standing showing no late payments. Once synchrony took over they first lowered my limit and then after I paid the balances they close the account.This has drastically affected my credit score and I do notice through other complaints that this is a common practice with synchrony. I have other credit card companies and none of them have lowered any balance or close my account.
Consumer complaint received 2016-01-12
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NC)

My Father took out a reverse mortgage. He died in XXXX 2015. I am the executrix and have been working diligently to attempt to complete a deed in lieu of foreclosure process with Wells Fargo Reverse Mortgage company since XXXX. Wells Fargo is unresponsive to my messages and calls, loses my fax submittals and sends me letters threatening me. I am looking for assistance in dealing with this company.
Consumer complaint received 2015-11-12
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Neiman, Stone & McCormick , P.C. (IA)

This debt is well over 12 years old. I have not been able to make any form of acceptable payment arrangement. for the past 10 years. That which was offered was never acceptable or taken seriously. 
The lawsuit presented, was given now avenue to dispute. I was not able to secure legal representation to help in disputing the charges. When the garnishment order was given, no court date was provided, for to stand and give defense of statute of limitations had expired. then I was given notice of wage garnishment, which has caused great financial harm. I stand at the point of having my utilities shut off, because of the inability to pay them, because the money was taken else where.
Consumer complaint received 2015-11-12
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Bank of America is giving out complete bank account numbers, along with complete routing numbers on their automated telephone system, when a payment is being made. This can compromise not only the credit card, if stolen, but also the person 's bank account. Per the Fair and Accurate Credit Transaction Act of 2003 : Section 605 of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ) is amended by adding at the end the following : '' ( g ) TRUNCATION OF CREDIT CARD AND DEBIT CARD NUMBERS. -- '' ( 1 ) IN GENERAL. -- Except as otherwise provided in this subsection, no person that accepts credit cards or debit cards for the transaction of business shall print more than the last XXXX digits of the card number or the expiration date upon any receipt provided to the cardholder at the point of the sale or transaction. 
So, anyone who accepts credit cards can only print the last XXXX digits on the receipt, but Bank of America can give complete routing numbers and bank account numbers on an automated phone system, to anyone?? This makes no sense all at. I 've been told by XXXX agents and XXXX supervisors that my checking account number has been changed to all XXXX, but when I checked this on the automated phone system, it gave me my complete bank account number, Again!! I have had to close this bank account and open another account to protect the security of my account. This cost me {$10.00} for the shipping and handling of the new checks, which I can not afford!! All because Bank of America changed their system about 4 or 5 months ago, to give complete bank account numbers now, not just the last XXXX digits of the account number, This puts XXXX of their customers who pay their credit cards over the phone at risk of having their bank account information compromised. This is NOT OK!! It has cost me a lot of time and now also money, because they will not do anything about it. A secondary issue is that I had a CREDIT balance on my credit card of {$12.00}, which I kept there because I now have no way to pay my credit card bill without it costing me money, and I wanted to keep account active, It is a XXXX points card, and they will keep the XXXX plus points on the card, I will use the points, and then close the card. I charged {$2.00} on my card, to be taken from my credit balance, and now my card has a balance on it of {$2.00}, My credit balance had gone away, It seems, without my knowledge, consent or permission, they have sent a refund check for this amount, Not received yet, I had to go to the merchant that I charged to {$2.00}, have them refund the card, and I then paid cash for this, Please Help!!
Consumer complaint received 2015-12-24
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

-On XX/XX/XXXX I ordered ACH push transfer from my Capital One 360 Savings account into my XXXX XXXX account. 
-On XX/XX/XXXX the funds were credited and available in my XXXX XXXX account. 
-On XX/XX/XXXX I closed my Capital One 360 XXXX account. 
-On XX/XX/XXXX the funds were withdrawn WITHOUT MY CONSENT from my XXXX XXXX account back to Capital One. 
-On XX/XX/XXXX a Capital One representative confirmed by phone that Capital One reversed the ACH push transfer ordered on XX/XX/XXXX. They executed the reversal without my consent or previous request. The Capital One representative said they do not know where the funds are so they will have to order an investigation that they say will take several business days. 
-At this point the funds are nowhere to be seen. 
-Capital One reversed a perfectly valid transaction already confirmed by the destination bank ( XXXX ) without giving a reasonable explanation of why.
Consumer complaint received 2016-01-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (AZ)

I have a student loan with Wells Fargo that unfortunately became one of many bills that I was unable to keep up with due to a layoff experienced in late XXXX. I was laid off and unable to gain employment until late XXXX ( 11 months 300+ days ) and nearly lost my home, vehicle, and dignity, due to my inability of upholding my end of the bargain. Along with these issues and losing nearly $ XXXX per year in income, I also was unable to continue making student loan payments. As a result, my student loan charged off just weeks before obtaining a new job and receiving my first paycheck to avoid charge off. After re-establishing myself financially by saving my home through foreclosure prevention programs offered by the state, I 've been able to consistently make my payments as agreed. Wells Fargo has processed and performed a transaction on my account without any notice, knowledge, authorization or communication in the amount of {$2100.00}. This again was unauthorized. When I contacted Wells Fargo on XXXX at XXXX they advised me that they were unaware of unsure of why this occurred. I spoke to a supervisor by the name of XXXX said he would file a claim that could take up to XXXX business days and could not be reversed immediately because the Student Loan department was closed. I advised that I had made a recent transfer and that money that was deposited was to pay the mortgage of {$1700.00}. Wells Fargo has seen these recent payments from my account, because they are categorized utilizing THEIR VERY OWN Bill Pay Service, and they still would rather my family suffer the consequences of living on the street because they were unwilling and or unable to accept a student late payment to prevent a charge off. Not only was unemployment not a good enough reason to prevent charge-off and credit sufferings, they want me to lose my house as well. I thought I could trust Wells Fargo to allow me to regain my financial well being, not contribute to its demise.
Consumer complaint received 2015-04-20
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (NJ)

I have a Chase Visa account which Chase just canceled for no reason, this is what the customer service supervisor XXXX told me when i tried to get an answer. Why is it that an account that was with no balance and monthly payments on time, can just be cancelled for no reason. The Chase customer service supervisor said it was because they felt like it. i realize that in the fine print they can do what ever they want, but it 's ridiculous that an account which is in Excellent standing be cancelled for no reason. This is not right.
Consumer complaint received 2016-02-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MI)

I was notified by my current servicer less than 15 days prior to the effective date that the servicing of my loan had been sold. In the notice I was provided with a name and address of the new servicer and it was further stated in the notice that the old servicer would no longer accept payments on my loan. I was not provided with an account or loan number with the new servicer to associate my payment with and I was not contacted by the new servicer prior to my next payment being due. The old servicer pulled my payment automatically out of my bank account on the due date and therefore I am left with less than 15 days to attempt to get a check out to a new address via snail mail with no account number to apply it to. 

I know that as a consumer I have rights regarding the sale of servicing rights of mortgage loans. In particular I have the right to m notification by both parties with a 15 day minimum. 

My concern is that everything in terms of late fees, default interest rates and the benefit of legal advantage to be gained by the new servicer in creating confusion, not following the law and providing documents and notice verifying and reconciling the sale of servicing rights, address, account numbers and pertinent information so business can resume seamlessly and transparently. Large corporations have the advantage because it is them vs. all of the consumers individually. It 's like a mouse trying to defend itself against a lion and all of the lions lawyers. They have everything to gain by taking advantage and claiming that they are just clumsy at handling their XXXX dollar business. They will get only a slap on the hand and only that if one of the people they are taking advantage of has the resources to call them out and bring a law suit and win against their legal team at that. 
Also, it 's hard to tell if this whole loan servicing change is n't some sort of scam to hijack a massive number of loan payments by some criminal, cash a bunch of checks in a makeshift office and retire somewhere off the map. In any case, the least likely people to suffer any damage in any of this is the old servicer and the new servicer, where all of the risk involved falls directly on the consumer. Further, the name of the new servicer is completely unknown to my bank and has no credible presence on the Internet. Actually on the contrary. When you type their name into XXXX all you see is link after link of horror stories about them.