davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Crosstown Law, LLC (PA)

A law firm sent to me a letter stating that they were of counsel for XXXX XXXX XXXX , XXXX, and that they were stating that I made an identity theft claim on a debt with XXXX XXXX. This in itsels is a complete fabrication. I have attached both correspondences from XXXX and Crosstown Law, LLC. Both entities are in serious violation of the Fair Debt Collection Practices Act, and have mutilated my personal credit without justification. I make the following criteria to show that there is nothing more to this collection other than an abusive collection on a debt that can not be validated. 

The Federal Trade Commission made the following determination on the proper debt collection process through a lawsuit they filed in XX/XX/XXXX, resolved in XX/XX/XXXX known as FTC v. XXXX XXXX XXXX XXXX. There must be three criteria on the valid collection of a debt. 

# 1 The debt must be proved owed to the initial entity. 

# 2 There must be a valid assignment or sale of debt to a third party, backed up by true copy originality. This is without exception, thus stating that all debt pool findings of debt by licensed collection agencies as immediately invalid. Also, the licensing of every collection agency must be on all letterhead, a fact missed by XXXX XXXX XXXX , XXXX. 

# 3 The debt collection process can not exist if outside the legal collection parameters of the domiciled jurisdiction of the debtor. If XXXX states that they purchased the XXXX debt XX/XX/XXXX, where is the signed proof. Simply stated, there is no proof as the debtor 's information was received through a highly questional if not unethical debt pooling system that will most likely be shut down by the Federal Trade Commission in fiscal year XX/XX/XXXX. The FTC is now holding national meetings on how to fix the deplorable debt collection business. 

The Crosstown Law letter s a joke, whereas the legal entity of XXXX XXXX XXXX XXXX are very subtly stating that in essence they have no existence of legal transfer of a XXXX debt. In addition, if they did the debt would have exceeded the legal collection timeline in the New Jersey jurisdiction in any event. I demand that I receive a noticve that the collection process has been cancelled, and that my file is being purged, in addition to the collection being removed on all pertinent credit reporting agencies. 

The debt collection system is broken, a press release by the Federal Trade Commission in XXXX. XXXX XXXX XXXX XXXX is at the bottom of the pool in the method they use with American consumers. It 's time we expose their legal entities that carry on with the same collection practices.
Consumer complaint received 2015-08-04
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Account Discovery Systems, LLC (NJ)

Received a voice mail at my place of employment from ( XXXX ) XXXX on XXXX XXXX, 2015 at XXXX. Message was " This is XXXX XXXX ( Spelling? ) you were listed as a contact for XXXX XXXX. If you can give me a call back my number is ( XXXX ) XXXX. First of all XXXX XXXX is my ex-sister-in-law going back XXXX years ago. Second of all she never listed me as a contact and doesnt even know my work number. I called this number back and advised them to never call my employer again and told them I am not affiliated with XXXX XXXX. I did private message her on XXXX to advise her of this call and she was going to call them. How dare they call me about someone else 's debt. How dare they call my phone at work. They lied when they said she listed me as a contact. She never did. We have no contact outside of the private message I sent her about this call.
Consumer complaint received 2015-06-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (GA)

I keep getting fake debt collection agency calls from phone numbers that do not ring to businesses. These numbers have been reported by many people as scam artists harrassing them for debts never incurrec. XXXX and XXXX are XXXX of them calling. This just started after I dropped XXXX of my XXXX XXXX XXXX XXXX services, which I pay every month. There is no adverse report on my credit report. I am not past due on anything. Stop these scam artists.
Consumer complaint received 2015-11-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

I have been in dispute with my XXXX lienholder ( Green Tree Servicing ) about the status of our XXXX lien in order to meet qualifications of XXXX. We have documentation from the XXXX lienholder XXXX XXXX XXXX that the loan was accurately reported in the system and from the XXXX lienholder ( Green Tree Servicing and DiTech ) that states that the XXXX lien was properly identified as a HAMP-modified loan.
Consumer complaint received 2015-10-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FirstKey Holdings, LLC (CA)

I have tried to remove my PMI, and to no avail. After i was told that i need to pay for the appraisal so they can send in a representative they work with, they are now claiming that not only they will not be able to remove my PMI because my appraisal amount came back less then 1 % of where the loan to value is required. This is especially interesting since i have had an appraisal done on my house in XXXX 2015 and the appraised value came back over XXXX XXXX dollars more then the one their " representative '' appraised. The value of the homes in my area have gone up rather then down. Tho me it seems the banks are at it again. Stealing from the people.
Consumer complaint received 2015-04-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have held a mortgage with Bank of America , N.A . for the last XXXX years. I received a letter notifying me that they had sold my mortgage to XXXX effective XXXX/XXXX/15. The letter from Bank of America was dated XXXX/XXXX/15 which was not the proper XXXX days notice that they are required to give consumers. I did n't receive the notification letter until XXXX/XXXX/15 which only gave me XXXX days to respond or change any payment information in time as I left for a trip the next day. Today is XXXX/XXXX/15 & I still have not received any information from XXXX even though the transfer of my mortgage is effective XXXX/XXXX/15. I feel as a home owner I should have been notified a lot sooner than I was. I had to rush & get this taken care of at the last minute before I was to leave the country for my trip. In light of all the mortgage/banking issues I take my mortgage payments VERY seriously & I had to call both Bank of America & XXXX to get the proper information I needed to have peace of mind that my payment would be applied correctly as well as my entire mortgage account. It would have been nice to get this information in a timely manner as required. Thank you.
Consumer complaint received 2015-06-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Fidelity National Information Services, Inc. (FNIS) (MI)

I filed for Chapter XXXX Bankruptcy and included items listed in Chex Systems in the Bankruptcy. I continue to receive decline notices because of the Chex Systems and the items were discharged today. Please have Chex Systems remove these negative items as I am unable to participate fully in the banking system and the items are improperly reported.
Consumer complaint received 2015-09-04
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (NJ)

My Citibank credit card account opened 19 years ago was closed without warning. Being one of my oldest credit card accounts, this decreases my FICO score and damages my credit rating. When I called and asked for the account to be reopened, Citibank wanted to run a new credit report to reopen the account. Running credit inquires will decrease my FICO score and damage my credit rating. When used, my payments for this card have always been on time.
Consumer complaint received 2015-10-14
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (CA)

No credit line increase allowed, Synchrony Bank/Care Credit. 
CFPB has continually denied my request to increase my credit line, without explanation in an expeditious and thorough explanation for the denial of an increase of my credit line on my Care Credit account. This has caused me duress and expenses incurred that should have been charged to Care Credit, but denied because of your credit bureau. 
If this is not resoled within 3 days of this post I shall pursue legal action against you and file complaints with any and all agencies under which you are governed. I have exemplary credit and a XXXX condition. XXXX is a common trigger to XXXX. I can easily afford legal fees, but I think free legal service is also available given my health status, the duration of continued requests for increases, risk of delayed XXXX procedures, duress and the consequences thereof. 
XXXX XXXX XXXX XXXX . 
XXXX. XXXX XXXX, CA XXXX, phn. # XXXXSynchrony Bank acct. # ending in : XXXX
Consumer complaint received 2015-09-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Early Warning Services, LLC (MN)

I am a victim of identity theft and my information was used to open a deposit account with XXXX XXXX Bank, I contacted the bank regarding this matter, I submitted all of their ID Theft Claim paperwork, and the ID theft claim determined that it was a fraud account and sent me a letter as well, which I attached. Now there is a reporting on my Early Warning consumer file for those fraudulent accounts. 
I made a dispute with EWS and supplied them the letter XXXX XXXX provided me, clearing me from this account. There ( EWS ) response was that they investigated my case and determined that the reporting is accurate, I do n't know how there getting that information because XXXX XXXX told me to provide EWS with the letter so they remove it.
Consumer complaint received 2015-09-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Immediate Credit Recovery (WI)

I had a student loan in 2007. I was unable to continue to pay after a certain point. The XXXX XXXX XXXX XXXX put a lein on my tax refunds and took the balance. The loans have been paid. Now there is a credit company trying to threaten me with court. I responded with a cease and desist until they sent a verification of debt because the loans are paid. they show payment on my credit reports ( which I monitor ) and this debt collector is reporting the same accounts that the XXXX are reporting and screwing up my reports. I tried to contact this company on multiple occasions and finally heard from a special unit case after filing a complaint with the XXXX. However ; they said they could not talk to me about MY account. Not to mention that I only put a cease and desist until proof of verification of debt has been sent on XXXX account, the ONLY XXXX they threatened me about. But, they are reporting XXXX accounts and not even telling me anything about a XXXX account! I am in the process of getting a mortgage and my broker and underwriter told me to file this complaint against this company and give you my evidence. They have requested info on these debts and have been ignored .... Further violating my FDCPA rights.. 

IMMEDIATE CREDIT RECOVERY, INC. 
XXXX XXXX, GA XXXX
Consumer complaint received 2015-09-04
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I WANT TO REQUEST A CREDIT LINE INCREASE OF XXXX I FELL I HAVE THE RIGHT CREDIT LINE DO TO MY INCOME AND THE LADY FROM CAPITAL ONE SAID IT IS BASED OFF INCOME AND ALSO DUE TO THE FACT THEY HAVE NOT MAILED MY CREDIT CARD TO ME YET AFTER I CALLED AND TOLD THEM TO.
Consumer complaint received 2015-06-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (NV)

I have contacted Experian via telephone which has cost me a lot of expensive cellular minutes referenced to their decision to change information on an old debt that supposed to be remove on XXXX, XXXX due to the XXXX years statue of limitations. 
But, Experian is refusing to comply with my request with reference to XXXX XXXX XXXX, XXXX. Partial Account number XXXX. The dispute account had a date of removal of XXXX XXXX. But, Experian decided NOT TO MENTION this date anymore!! 
On report number XXXX, Experian FAILED to mention when this XXXX years old dispute account will be remove. 
According to the credit report rules, old dispute accounts have to show a DATE OF REMOVAL. 
Experian is not complying with the mandatory rules of posting accurate information about the removal of old dispute accounts, which is not beneficial to my credit report files. Very unfair indeed!!
Consumer complaint received 2015-10-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Progressive Financial Services, Inc. (MN)

The debt collector is attempting to collect a debt and I am attempting to set up arrangements to pay. I 've called during thier stated business hours and each time the automated system tells me I am next in line for an available operator and then I get put into their viocemail system which states someone will call me back ASAP. No one ever calls me back and I clearly leave my name, account number and phone number. If I do n't get a hold of them by XX/XX/XXXX they are going to just take the whole amount out of my paycheck.
Consumer complaint received 2015-10-14
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (VA)

In XXXX, OCWEN Loan Servicing , LLC, assumed servicing of my house note from XXXX MORTGAGE. Once the note was transferred, I was notified that there was an overage in my escrow account and received an escrow analysis showing the overage of {$1100.00}. OCWEN informed me that I could not keep the money in the escrow account, so I chose to have the funds dispersed to me. In XXXX, OCWEN dispersed {$1800.00} from my escrow account to my insurance company for hazard insurance on schedule, leaving a negative balance of $ XXXX. The negative balance grew until I was notified of the payment increase. 

In XXXX, my mortgage statement stated that my payment would increase from {$180.00} to {$350.00}, with no explanation. When I contacted OCWEN, it was discovered that there was no escrow analysis on file to justify the payment increase. The Customer Service Representative I connected with was unable to explain any reason for the increase. With no acceptable explanation, I was transferred to an Escalation Manager. It was at this time that I requested an escrow analysis to determine the reason for the increase in my payment. Upon receiving the analysis, I then was informed that my payment would increase an additional {$91.00} to cover a projected shortage of {$3200.00} in equal payment spread out over 36 months. 

While trying to discuss this issue with XXXX different escalation managers, I became increasingly frustrated as I was continually given different answers to my questions as to how the insurance could have been overlooked. The second Escalation Manager, which I spoke with, tried to explain to me that OCWEN was doing me a favor by spreading out the shortage that was an oversight on their part. I was never given any option on how to rectify the situation. Each person I spoke with, insisted that an escrow analysis was only required once a year. Which, at this point, was one year from the time the note was transferred. 

At that point, I was able to speak to a Consumer Ombudsman. It was n't until my second call to an Ombudsman, did I receive any credible information. The first Ombudsman that I spoke with, issued a letter to explain everything that the second Ombudsman had already explained to me, but she was unable to.
Consumer complaint received 2015-06-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC (CA)

National Recovery Agency reported a collection account on XXXX which they said occurred 5 years agofrom XXXX XXXX XXXX, a XXXX company. I sent XXXX XXXX XXXX emails regarding this and had no response. I called them and was told that they have no record of this transaction. I have never done business with XXXX XXXX XXXX. 
I spoke with XXXX XXXX at National Recovery and had no resolution even after I emailed them a request.
Consumer complaint received 2015-11-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (WI)

I received a new job and had to move to another state. I put my house up for sale and soon realized that the value of the house did not match what I owed on the house. I have submitted multiple requests to US Bank to do a short sale or deef in leiu. There have been multiple issues trying to do the short sale. First issue it took too long ( close to 6 months ), buyer removed purchase. XXXX issue was US Bank would not send out an appraiser and buyer walked. Third issue US Bank wants full amount on short sale and buyer walked. I 've also asked to do a deed in lieu but have been told that since First legal has occurred deed in lieu is not an option.
Consumer complaint received 2015-06-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

There has been a breach of confidentiality with the XXXX " Ocwen Loan Servicing ". 
This company that collects money, has people in XXXX who know nothing about fianancing banking, or customer service. 
Documents were received at my home yesterday that ARE CONFIDENTIAL and were in an unsealed envelope. The documents inside the envelope WERE VIEWED. I am trying very hard to get rid of this company and refiancebut that is impossible because the data and the many mortgage servicers that handled this loan IS IN COMPLETE DISSARAY. 

Also Ocwen needs to stop sendin me certified mail to my home. I am not home to receive this information, work long hours during the week and do not have time to visit the post office to pick up their XXXX. 

Bottom line this organization needs to be shut down, sued with a major law suit.
Consumer complaint received 2015-05-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (OR)

I had a loan opened XXXX XXXX with Beneficial for the property located at XXXX XXXX XXXX XXXX. The house was sold and the loan paid off IN FULL XXXX, XXXX. I have copies of closing title documents to support this. For unknown reasons, Household Finance Co ( FKA Beneficial ) posted the EXACT SAME LOAN amount and are showing it as current for an unsupported balance of {$62000.00}. They first posted this to my credit reports XXXX, XXXX, a full 7 years since the sale and payoff dates. Because of this, I can not obtain a new mortgage loan. When I contacted HFC, they could not explain to me how they arrived at this number, nor why they are showing it as " current '' though XXXX payments have been made to them towards this allegedly owed amount. I think they are listing it as CURRENT in an attempt to toll the 6 year statute of limitations in the State of Oregon to seek legal remedy for an implied breach of contract.
Consumer complaint received 2015-10-14
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (NY)

Hello I had money on my card and I went to buy food in my house and it kept declining my transaction at the register. I had enough money on my card but rushcard would not let me use it. They took my money off my card. Called customer service XXXX got hung up on and was on hold for almost 2 hours.
Consumer complaint received 2015-11-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Residential Credit Solutions, Inc. (GA)

XX/XX/XXXX I received a letter titled " Notice of Default and Intent to Accelerate '' from Residential Credit Solutions , Inc . 

I disputed the alleged debt and demanded validation of it XXXX XXXX, 2015 and Residential Credit Solutions XXXX Inc. received it XX/XX/XXXX. I have since sent XXXX additional disputes and demands for validation in response to their communications attempting to collect a debt. 

To date, I have not received a single document from it establishing that I owe it or the entity it claims is the investor nor has it provided any documents confirming that the entity it claims is the original creditor made a loan to me. All of my attempts to communicate with the entity it claims is the original creditor since XX/XX/XXXX have been unsuccessful in establishing that a loan was made to me. 

Residential Credit Solutions XXXX Inc. is not a secured creditor of mine nor XXXX. Neither has the standing to seize my property, yet Residential Credit Solutions XXXX Inc. continues to threaten me with a non-judicial foreclosure. 

It continues to violate the FDCPA by continuing collection activity despite my demands for validation and its failure to provide that validation.
Consumer complaint received 2015-10-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

INDY MAC WAS MY LOAN SERVICING COMPANY FROM THE DAY I ORGANICALLY BOUGHT MY HOME BACK IN XXXX OF XXXX I HAD SIGHED TO BE IN A 3 YEAR ARM AT XXXX INTEREST RATE AT THE END OF THE THREE YEARS THEY HAD ME SIGN PAPER WORK TO GO ON A FIXED RATE OF XXXX XXXX I WAS INVOLVED IN AN ACCIDENT THAT RESULTED XXXX AND I WAS UNABLE TO WORK FOR THE PAST 4 YEARS THAT CAUSED ME TO FALL BEHIND IN MY PAYMENTS, TIRING HARD NOT TO DEFAULT IN MY MORTGAGE SINCE I HAVE XXXX MINOR CHILDREN SO I REQUESTED A MODIFICATION INDY MAC PUT ME ON A 3 MONTH TRIAL PERIOD STARTING XXXX XXXX IN THE TRIAL PERIOD INDY MAC TRANSFERRED MY LOAN AND PAYMENTS I MADE TO OCWEN. 
OCWEN CASHED MY CHECKS FOR THE NEXT XXXX PAYMENTS BUT NEVER SHOWED ANY CREDITS TOR WARS MY ACCOUNT. 
I HAVE CONTACTED THEM ABOUT THIS ISSUE A NUMEROUS TIMES THEY AVOID MY QUESTIONS AND ASK ME TO REFINANCE EVEN THOUGH THEY KNOW I AM UNEMPLOYED JUST SO THEY CAN COVER UP THE MONEY THEY TAKEN THAT THEY CAN NOT ACCOUNT FOR WHICH IS ABOUT $ XXXX.ADDED XXXX MORE YEARS ON THE LIFE OF MY LOAN I HAD MADE PAYMENT FOR 10 YEARS WITH NO DEFAULT I WAS DOWN TO 20 YEARS LEFT ON THE LIFE OF MY LOAN NOW I AM AT A 40 YEAR LOAN MAKING MY OUTSTANDING LOAN AMOUNT SIGNIFICANTLY LARGER THAN MY OUTSTANDING BALANCE AND NOT SHOWING ME WHAT THEY DID WITH THE XXXX PAYMENTS OF {$2.00} BUT REPORTING TO THE CREDIT BURIALS ABOUT LATE PAYMENT WHICH ARE FALSE SENDING ME A FALSE TAX RETURN THAT SHOW NO PAYMENTS MADE XXXX AND HALF OF XXXX. AND SHOWING THAT I AM BEHIND ON MY ESCROWS. PLEASE LET ME KNOW WHAT I CAN DO. 
THANK YOUXXXX XXXXPLEASE
Consumer complaint received 2015-10-23
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MO)

under XXXX has charged me {$88.00} for nothing provided to me.Theybill it as a rewards benefit -- various fees etc.First bill was for XXXX the next for XXXX which incuded {$16.00} for a r4eturned item. I requestted them to cancel my card -- instead they are piling late fees and have ruined my credit