davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: First Credit Services Inc. (NY)

I joined XXXX fitness in XXXX/XXXX/XXXX at the XXXX location in New York. I was in the process of moving XXXX when I join the jim, The apartment was completed until XXXX of XXXX. I went back to the jim In the month of XXXX XXXX and paid my fees in person. The next time I went to the jim was in XXXX of XXXX to pay my membership Fees and was told that my account was closed. I was told that in order for me to maintain my membership I had to payoff my old account and then reopen a new account. I did what was requested, I further requested to pay for the entire year. 
During XXXX I ran my credit and discoverd that XXXX fitness through FIRST CREDIT SERVICES. I contacted this company and I was told that I have to paid my pasdue account which is a total {$240.00}. I told the credit company that it is imposible to have XXXX active accounts. I emailed my proof to show that my account was current. XXXX FITNESS CLAIMED THAT I HAVE TO PAY THIS ACCOUNT IN FULL ALTHOUGH I HAVE PAID MY ACCOUNT FOR AN ENTIRE YEAR. THIS IS MY ARGYEMENT 1 : I PAID FOR MY JIM MEMBERSHIP FOR 1 YEAR. 
2 : XXXX FITNESS CONTINUES TO BILL ME FOR THAT ACCOUNT THAT WAS CLOSED. 
XXXX : I XXXX XXXX HAVE XXXX SIGNED CONTRACTS. XXXX IS ACTIVE AND XXXX IS IN COLECTIONS AT THE SAME TIME MY MEMBERSHIP IS PAID IN FULL. 
4 : I MADE SEVERAL ATTEMPTS TO HAVE XXXX FITNESS PREPARE A LETTER FOR ME EXPLAINING THAT THIS WAS A PROBLEM WITH XXXX FITNESS NOT ME As of today First Credit Services is reporting a collection account on my credit. I have never authorized XXXX Fitness to access my Credit Profile. I think this act is illegal and I am requesting a FULL investigation onto this matter. 
I was told by XXXX that this will stay on my credit record for the next 7 years.. I should not be suffering due to XXXX fitness employee mistakes.
Consumer complaint received 2016-02-15
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Selip & Stylianou, LLP (NY)

XXXX caused me embarrassment and harassment by contacting my employer to " command '' information on my employment and income with the intention of collecting a debt for XXXX XXXX for a person with my same first and last name, residing at XXXX XXXX XXXX XXXX XXXX, NY XXXX, w/SSN ending in XXXX. 

I notified them XXXX/XXXX/16 that I have never lived there, my middle name is XXXX, and that 's not my SSN. 

According to the FDCPA, I requested the mandated correspondence within 2 weeks confirming all collection activity towards myself and my employer had ceased. I never rec 'd and called asking for confirmation again with no reply. 

Therefore I would like to file a formal complaint against XXXX XXXX XXXX XXXX at Law XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX for violation of the Fair Debt Collections Practices Act.
Consumer complaint received 2015-12-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed several medical collections in my credit file with all XXXX CRA 's. Once the investigation was completed and " verified '' I contacted the CA directly. To make a long story short, there was an issue with my particular insurance company so the accounts would be removed from my credit file. I sent in a copy of an email that I received from the CA to the CRA 's. They verified that they did receive the email. I was told that was not enough for them to remove the accounts ( the email had the senders ( CA Supervisor ) contact information, phone, email and fax number. All they had to do was call them. Once I received the actual deletion letters from the CA 's, I sent in the copy 's to the CRA 's ( all on company letterhead ). I called and verified that they did receive the letters. Still the accounts are in my credit file. I am trying to get a mortgage. Since sending the request to deleted the interest rates have increased and who knows whether the rates will increase again by the time they remove theses items. I informed the reps of this. I do n't understand why, if you have letters from the creditor saying delete the accounts, why it 's taking nearly a month to get them removed? I am still waiting ... ...
Consumer complaint received 2016-01-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MI)

OCWEN loan servicing has not only mis-applied mortgage payments consistently, they are also holding XXXX in escrow funds. Their sub-contractor XXXX has also falsified inspection and appraisal reports regarding the mortgaged property. In addition they issued another XXXX in repair funds to a contractor who then mis-appropriated that funding against XXXX falsified inspection reports.
Consumer complaint received 2015-11-09
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (NC)

We have a complaint against Green Tree Mortgage Co. ( now Ditech ) We should not have been charged {$18.00} per day interest from XX/XX/XXXX to XX/XX/XXXX while the title company and Green Tree were trying to figure out who was responsible for the delay in actual pay off date. We should not be held accountable for that mis-communication.
Consumer complaint received 2016-01-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jon Barry and Associates, Inc. (SC)

Sometime in 2015 I went to see a XXXX at XXXX XXXX XXXX , XXXX about a XXXX XXXX. XXXX XXXX wanted me to XXXX for 24 hours. I informed XXXX XXXX I had no insurance and could not afford the XXXX. XXXX XXXX gave me a form to take to XXXX XXXX for patient assistance. At XXXX XXXX I spoke to a XXXX XXXX who I specifically told if there would be any cost I could not have the procedure. She told me the hospital would cover the cost. Later when I received a bill from the hospital and a bill from the XXXX I called XXXX XXXX to ask why I was receiving bills at which time she told me that the financing had not caught up with the billing and I should just ignore the bills. Now I am receiving letters from a debt collector from the XXXX. I am being told that there was a XXXX who had to read the XXXX and that was who the bill was owed to. I asked XXXX XXXX why she had not informed me there would be a bill when I had specifically told her if there was ANY cost I could not have the procedure. She told me there was nothing she could do about it. I have no income and just a small amount of money to live on that I inherited and could not justify spending any money on this procedure, which I did initially inform XXXX XXXX of. No one ever mentioned to me at any stage there would be a bill from a XXXX or that one would be involved. I would have opted out of the procedure if I had been informed. I feel I was never given the choice.
Consumer complaint received 2015-09-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

This complaint is in reference to release of insurance money owed to us by Green Tree Mortgage for flood damage that was approved by our insurance company. We suffered flood damage to our home on XXXX in XXXX. We submitted all claims/ required paperwork to our insurance company XXXX XXXX XXXX and they were amazing and expedited everything we needed to do repairs. They issued a check to us on XXXX which had to be co signed by our mortgage company, Green Tree Mortgage XXXX we did not pick this mortgage company directly as they are result of XXXX selling our mortgage to them XXXX. Green Tree cashed the check on XXXX/XXXX/15. I have submitted all the required paperwork and every time I speak to them, they give me the run around and seem to conveniently misplace the paperwork that I have been sending and keep having to resubmit. Every time I inquire on where my funds are, they come up with another reason why they can not release our money to do our repairs. We complied with everything our insurance company needed including documenting and approving all contractors. Now Green Tree is saying that they can not approve our contractors? What right do they have to do this when we complied with all of the proposal requirement and contractor requirement from our insurance. Each time, with over XXXX calls place to Green Tree Claims Department, I sit for over 35 minutes just on hold with Green tree to try and get a live person and continue to get the run around and meanwhile I am living with rotten flooring and sheet rock. As of XXXX, no progress has been made. Per your site, there are having numerous complaints against Green Tree.
Consumer complaint received 2016-01-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Avid Acceptance, LLC (GA)

On XXXX I received a call from XXXX from Avid Acceptance attempting to collect payment for my vehicle. At the time the account was 11 days past due, I advised her I was unable to make a payment at that time. She transferred the call to a male name XXXX, he never disclosed his title he simply advised me I had to make a payment with him because they were closing the books, he stated I was a bad paying customer, I advised I would be able to make a payment the following week on XX/XX/XXXX. He refused to set up the arrangement for the day I requested, he then demanded I make XXXX payments on XXXX, I once again advised him I was only able to make XXXX payment on the XXXX he proceeded by saying you have a few hours before we close the books to come up with {$330.00} & disconnected the call. My payments are due on the XXXX of every month I should n't be forced to pay before my due date because the representative wants to meet his quota. I should not be denied to make a payment, be hung up on, & disrespected! I was not allowed the opportunity to give him the reasons for delinquency. XXXX was very disrespectful, very aggressive I felt pressured bullied by this individual. At no point in time did I raise my voice or used any type of profanity to be mistreated the way he did.
Consumer complaint received 2016-02-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (IL)

My husband and I have been trying to get a loan modification with Shellpoint Mortgage Company for few months now. We are also working with our attorney ; three months ago he recommended we do a Chapter XXXX in the meanwhile try to get a loan modification with Shellpoint. The problem with the Chapter XXXX was that our trustee 's payment was raised during this time. On XX/XX/XXXX we submitted a loan modification package to Shellpoint Mortgage and we received a response from Shellpoint dated XX/XX/XXXX indicating they assigned a new specialist to assist us thru the lost mitigation process. We have made many attempts to get a hold of our specialist dedicated to our file but he never responded back. Every time we call they tell us they require more documents and every time we send them and come back with another request of forms or adjustments on forms. For example : they requested our XX/XX/XXXX-XX/XX/XXXX taxes and we complied. They told us to call back in a few days to follow up and I did only for them to tell me that they did not receive our taxes. 

Finally after submitting a complain I hear back from our specialist. HE told us he had received a package. And that he was sending a realtor to our home to do a home appraisal. This was on a Monday. On wednesday we recieved a phone call from Shellpoint indicating that we are eligible for a loan modification. That we would have to give a XXXX down payment. They told us they would put everything in writting and mail it to us. Well on Friday evening we get a call from Shellpoint and they tell us sorry the investors would not approve the loan modification. And on Monday morning our home goes into Auction and we get foreclosed on.
Consumer complaint received 2015-12-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Case no. XXXX in the XXXX circuit court of appeals. This is the Tila rescission case XXXX vs XXXX XXXX, which the CFPB filed a previous amicus brief regarding statute of repose, and the three year limitation on filing rescission.As you already know, the scotus ruling on XXXX vs XXXX, did away with the falasy that a person was time barred from having not filed a law suit to enforce rescission within the three years. Attached to the XXXX case, was XXXX vs XXXX. We were reversed and remanded back to the appeals court, which remanded back to the district court, and Judge XXXX XXXX. After both parties moved for summary judgement on the issues, the ruling went like this. Summary judgement was granted to the XXXX party, because the judge believes we could not Rebutt the presumption of delivery of documents. He completely ignored the precedent sent in the eighth circuit in XXXX vs XXXX, and the ruling in XXXX, and XXXX.. He also ignored the plain language of scotus, in that rescission is " effected upon notice '', and allowed the bank the vary the statutory sequence of rescission, by not responding within 20 days. He also ignores the numerical violations in the disclosures themselves, that prove we had rescission. We are appealing his ruling of ignoring the 20 day requirement of the bank not taking action to rescind or seek judicial guidance. Ignoring this rule waves their tenable defenses. Judge XXXX treated us with hostility, at the same time was extremely polite and accommodating to the banks attorney. We feel there is a clear bias displayed here, and would like to get the CFPB 's assistance regarding the clear defiance in the eighth circuit toward Tila Rescission.While this case was playing out, the bank moved for foreclosure in the state court. We rescinded this loan in XX/XX/XXXX, and file suit in XX/XX/XXXX to enforce rescission. We have gone all the way to the Supreme Court to enforce our rights, only to be remanded back to a judge who refuses to accept rescission as a valid consumer defense.
Consumer complaint received 2016-01-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TRANSUNION has violated the law and continues to ignore me and must be held responsible for unlawful behavior and unprofessionalism : 15 U.S. Code section 1681i : ( 2 ) Before the expiration of the 5-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute the address and in the manner established with the person. The notice small include all relevant information regarding the dispute that the agency has received from the consumer or reseller! 
-Transunion refuse 's to acknowledge their 3rd party source who is holding my credit report hostage. They have failed to notify the superior courts office that i am disputing this item and they have never placed a notification next to this public record labeling it as " in dispute '' and this has affected my score. 
They continue to deny me an investigation and have denied me any further ones, and that is NOT LAWFUL! I have no proof, no verification and no notices from the records office or transunion that I have disputed this invalid lien. 

Transunion is also violating the law section ( b ) in the same paragraph. Which states : The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ). 
-Transunion has not done this in any way shape or form and I have received absolutely no descriptions an procedures as to how and what actual evidence was used in the determination process. The records office has NO evidence of a request on this agencies behalf to verify ANY information under my social security number or even my name! This company is shutting me down like I am nothing to them! 



Notification of FCRA law violation regarding TRANSUNION. They have threatened me again. They have claimed that I will NOT be heard and I would like the CFPB to note that I will not cease to fight an invalid tax lien XXXX from my credit report. Transunion refuses to investigate anything nor do they acknowledge that this lien was deemed invalid and should be removed by law.
Consumer complaint received 2015-12-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Universal Account Servicing, LLC (WI)

Was referred to addvantageusa from my credit repair company XXXX XXXX. Was approved and ordered a laptop whichwas never shipped! Cancelled the laptop order. I am now receiving statements and collection calls from UAS, universal acoount servicing llc XXXX. It states right on the statement its for my acct with XXXX. I cancelled all orders in XXXX 2015 with addvantageusa. They have debitted money from my checking account for a laptop inhave never received. I have called every week since XXXX 2015. I have also tried to start a chat on their website- three separate times they stated that they were going to take care of this and nothing has happened. Niw, they dont respind to my chats and never answer their phone. UAS makes daily calls to my cell phone while i am at work harrassing me for a debt i do jot owe. When i call them back, no one EVER answers! I have been on hold in their que for over 45 minutes! Please help!!
Consumer complaint received 2015-11-09
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (SC)

I have a saftey deposit box at a TD bank in XXXX, SC XXXX XXXX XXXX XXXX XXXX and they were flooded out. My box was flooded and it took them weeks to set up a day for us to come by and inventory the box. They are saying the items possibly have ecoli and they have to be tested before they give them back after disinfecting them. The items in the inventory were described in such a way if anything happened to the items we would never be able to recover the amount or the item in which it was worth. Yellow bracelet with stones? They said they could not identify if it was worth XXXX or XXXX. A yellow bracelet can be bought XXXX for {$5.00}. They have tested the items and are now saying the items are positive for ecoli. We have not received any paperwork saying such, just as they said the water in the bank tested for ecoli. They went ahead and opened the inventoried bags and recleaned them without our presence. Have called the regional manager and they will not give me any phone numbers for anyone higher than them. What?? Also ca n't find Corperate phone numbers on the internet. We want our items back and we will sign whatever stating that we are responsible for whatever, ecoli ect. Do n't know who to contact from here?? We have contacted our attorney and will file a claims and delivery XXXX I believe. Attorney is working the issue.
Consumer complaint received 2015-09-15
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Altisource Portfolio Solutions, S.à r.l. (NE)

We closed on our home on XXXX XXXX, 2015, signed a HUD statement and loan documents, wired funds to the title company, were given keys to the home and told we were closed and could move in. XXXX hours after closing, we had to go back and resign a HUD, and the statement reflected we were to be reimbursed money, which we still have n't received to this date. On or about XXXX XXXX, 2015, we were contacted by XXXX XXXX at XXXX Mortgage Company, who stated they received their loan proceeds funds back that day, even though she has signed loan documents in her file. XXXX then proceeded to tell me we needed to sign an early occupancy and extended closing date form and that all would be good to go. On or about XXXX XXXX, I was contacted by my real estate agent informing me that we needed to move out immediately because there was a mix up between our lender and title company and that we did not technically close as the deed still has not been filed. On or about XXXX XXXX, I learned that my lender sent our loan funds to the wrong company, being a sister company of XXXX XXXX XXXX XXXX XXXX and the sister company never sent those funds to the XXXX GA branch. Therefore the title company never recorded the deed or mortgage documents. However, we have been living in the home since XXXX XXXX, 2015, and no one ever contacted us to say there was an issue before XXXX XXXX or that we needed to move out until on or about XXXX XXXX. No one has ever refunded our funds we wired to the title company, where is that money? Dry closings are supposed to be illegal in the State of Nebraska, had the laws been followed, we would n't have been able to close, as that title company did not have the funds in their account, only mine and my husbands funds were in their account. My lender will now not provide me with any documentation, ignoring my phone calls and that I need to talk to her boss, who will not return phone calls either. Now, my family is out on the street until something is resolved.
Consumer complaint received 2015-12-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XXXX of XXXX I received a letter from Bank of America requiring me to purchase flood insurance as an augmentation to my existing mortgage ( Acct. # XXXX ) on a property located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. The letter indicated changes to the flood zone maps prompted this requirement and as such, I purchased flood insurance in XXXX of XXXX XXXX Policy number XXXX XXXX ). This requirement was perpetuated by XXXX XXXX, ( Acct # XXXX ) when they assumed servicing my mortgage in XXXX up until XXXX XXXX when I received a letter indicating that updates to the Special Flood Hazard Area ( SFHA ) no longer encompassed my property. Since you can not cancel Flood Insurance, you can only " Non-Renew '', I was forced to complete paying for the third year of coverage. Subsequently, I requested a LOMA letter from XXXX, and was informed that my property never resided in a SFHA, and that the maps had not been updated with any changes to my specific property location since XXXX. I have attached the supporting documentation and believe I am entitled to a refund of premiums paid for 3 years as a result of the errors made by Bank of American and subsequently, XXXX XXXX levying this requirement.
Consumer complaint received 2016-02-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hillcrest Davidson & Associates (NY)

Collection agency, Hillcrest Davidson, collected an amount far larger than the unpaid balances, by lying to me that this amount will be credited back to XXXX ( original company that engaged the collection agency ). But the amount was pocketed by collection agency and no one seems to know where the amount is. Hillcrest Davidson collected {$1200.00} from me on XXXX XXXX, 2015, while the past due balance was a small fraction of the collected amount.