davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-29
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My husband ( now ex ) put all his debt in my name including most of his student loans ( he is a doctor ), convincing me he would pay it in full. Unknown to me, he either missed payments or did not pay the full monthly amount adversely affecting my credit score. Little did I know, my husband was preparing to leave me with all his debt. This was devastating both emotionally and financially. I notified Capital One to inform them of my personal, financial hardship and asked if they could work with me. They refused, on several different occasions throughout three years. I informed them that my divorce lawyer was recommending I declare personal bankruptcy ; however, they still refused to help me repay the debt. I did not and will not declare bankruptcy ; however, Capital One has truly adversely affected my credit history ; despite my several attempts to explain my hardship. I am and have been paying them back once the credit card was ordered by the court to be my sole responsibility without my ex-husband 's need to control me. It has been three years since that court order and each payment was timely and in full. However, six payments missed still reside on my credit history. They have blatantly refused to help me in anyway, despite my several attempts. The debt was XXXX and now I am about to pay it in full with XXXX large check. Do not get a Capital One credit card, an unexpected hardship may occur and they will provide no assistance. Instead they contribute more pain, stress and grief to that hardship by their denial to assist in anyway ( even when you WANT to pay the debt back ). Capital One will watch you go through this hardship and then take their proverbial dagger and slice you at the heels. Crippling you more via your credit history!
Consumer complaint received 2015-12-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

On XXXX XXXX, 2015, I mailed a qualified written request ( a " QWR '' ) to my mortgage loan servicer, HSBC, in which I requested : ( 1 ) the identity of the owner of my loan ; ( 2 ) any restrictions in the applicable servicing agreement or investor guidelines that would bar capitalization, rate reduction, term extension or forbearance of principal, or that would otherwise prevent HSBC from modifying my loan ; ( 3 ) a description of the loan modification programs, and their requirements, for all loan modification programs HSBC will review me for ; ( 4 ) an itemization of any costs, fees, and expenses charged to my account since I defaulted ; ( 5 ) a description of HSBC 's efforts to establish live contact within 36 days of my delinquency to inform me about loss mitigation options ; ( 6 ) a copy of the written notice required under 12 CFR 1024.39 ( b ) ; and ( 7 ) a copy of the log HSBC maintains for the servicing of my account since the date of my default. This QWR was delivered to HSBC on XXXX XXXX, 2015. 

On XXXX XXXX, 2015, HSBC responded to this QWR by mailing me : ( 1 ) the mortgage, ( 2 ) the note, ( 3 ) the HUD-1, ( 4 ) the payment history, ( 5 ) Quick Reference Transaction codes, ( 6 ) the Truth in Lending Statement, and ( 7 ) loss mitigation letters. 

HSBC failed to provide me with : ( 1 ) the restrictions in the applicable servicing agreement or investor guidelines that would bar capitalization, rate reduction, term extension or forbearance of principal, or that would otherwise prevent HSBC from modifying my loan ; ( 2 ) a description of the loan modification programs, and their requirements, for all loan modification programs HSBC will review me for ; and ( 3 ) a copy of the servicing log for my account since the date of my default.
Consumer complaint received 2016-03-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JNR Adjustment Company, Inc (RI)

I 'm XXXX years old and used a website For the first time ever using credit karma to check my credit. Upon looking through the whole website I realized under collections, I owed!! What? I 've never owed anything and always paid all bills. I noticed it was a " Sportmans Guide '' under XXXX ( which is the worst credit rating and have horrible accuracy and will make even the most responsible person still look bad with a horrible report ) The debt collector was JNR Adjustment Company. Says I owed a balance of XXXX. I 've never once ordered or purchased anything like this.my father and I have the same name and I thought possibly it was confusing him and I. This does n't add up and I 'm XXXX % sure this is WRONG AND A MISUNDERSTANDING. I 'm young and have no one to help me through life so I am relying on myself and my credit to help me through life. Realizing I owe and this is stuck on my credit report is absolutely an incovenience and effects my future life drastically. This needs to be fixed immediately ...
Consumer complaint received 2016-03-19
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

hsbc card I do not have ... seems to be identity theft ... even maybe from a hospital ... they are continuing to drag down my credit score and add fraudulent activity ... please contact me at XXXX ... this is XXXX XXXX XXXX ... I want them caught and off my report.
Consumer complaint received 2016-03-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Ocwen, initially approved a short sale for {$280000.00} if I 'm handling for a probate listing. We were waiting for the court appointed appraisal to come back which took some time, and it was {$280000.00} as well. In the meantime the buyer backed out and we got a replacement buyer for the same dollar amount and I was told it was a trustee sale at the end of the month no one told they wo n't postpone the trustee sale to even consider the offer because it needs to be 100 % of the market value in order to stop the trustee sale. Wish I have an initial short sale approval for {$280000.00}. The other issue is this is dual tracking which is illegal in California. Attached you will find the short sale approval that was initially given to us for XXXX along with our offer that is consistent with their approval.
Consumer complaint received 2015-12-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Radius Global Solutions LLC (GA)

someone used my stolen identity information and created several accounts including this one from getting services and things that i was not apart of yet the information that was stolen was used this account is fraudulent and from id theft and needs to be taken off asap
Consumer complaint received 2016-03-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (GA)

Account listed was a fraudulent account opened in my name by my ex husband. I paid the account in an attempt to remove it because I thought it would be the quickest way to resolve the matter. Since that time I have repeatedly asked them to remove the information and they continue to deem my communication letters to them as frivolous.
Consumer complaint received 2015-06-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

We were told by Bank of America ( BoA ) that we were required to pay Flood Insurance. They added the cost to our mortgage payment as escrow. We disputed it, telling BoA that the home was not in a flood zone and were informed that based on the FEMA map it was in a flood zone. My wife called to find out what we needed to do to get this Flood Insurance requirement removed. She was told by the BoA representative that we need proof from FEMA that the home was not in a flood zone and that we would have to pay the Flood Insurance premium until we provided such proof, but that if we were correct and the home was n't in a flood zone the Flood Insurance premiums would be returned to us if we requested a return of paid premiums. 
We provided the FEMA determination and a request for a return of the paid premiums and called to follow up. We were directed to contact the insurance branch of BoA who informed me that what we provided only removed the home from the map as of the date of the letter. I contested that this means the home was and is not in a flood zone and the letter also says that any XXXX will refund the premiums paid for the current policy year. At which time the representative informed me that we did n't have XXXX, even if our escrow account says Flood Insurance. And they would not be refunding our paid premiums. 
I told her that " they misinformed my wife and that they just want to keep our money. We never needed the insurance and do n't need it now and this money should be refunded. '' to no resolve.
Consumer complaint received 2015-12-28
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Bureau of Fort Walton Beach, Inc (TN)

The Collection Bureau of XXXX XXXX sent me a purported debt regarding a medical bill. I requested verification and they sent me a medical bill with the XXXX redacted so I can not validate the debt. I demanded that it be resent to me with the XXXX visible so I could verify the debt and instead The Collection Bureau of XXXX XXXX/Collection Bureau Services contacted XXXX and XXXX verified the debt for me without my permission or sending me documentation so I could verify the debt. The debt remains on my credit report and both XXXX and the Collection Bureau of XXXX XXXX/Collection Bureau Services refuse to place it under disputed status. This is a gross violation of my rights under the FDCPA.
Consumer complaint received 2016-01-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (FL)

I paid Credit Collection Services ( CCS ) for a delinquent payment to XXXX for {$310.00} on XXXX XXXX, 2015. The payment was processed and deducted from my account on XXXX XXXX, 2015. When I called CCS to inquire why the payment had not been reflected on my credit report they responded that they did not own the account at the time of payment, however, the check was cashed and processed by CCS. If they did not own the account, why did they cash the check nor inform me of this information. After writing to them, they have processed a refund check for the entire amount.
Consumer complaint received 2015-11-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (FL)

On XXXX my company gave a check to a tenant as a refund for the deposit that he did when rented the apartment to the company. He cash the check sending a picture to his bank on XXXX and my bank ( Citibank ) paid the check. He sent again the check picture on XXXX and it was paid again by my bank he sent again the same check on XXXX and it was paid again on XXXX was paid again. On XXXX was paid again. On XXXX was paid again. On XXXX he altered the number of the check but only on the top right side, not at the bottom and it was paid again. On XXXX he presented again the check and was paid by the last time. In total the same check of {$950.00} was paid 8 times by the bank. 
I think Citibank fail in their responsibility of checking that : the check number was paid before and the check number was repeated, XXXX times the check number was altered and the check were expired and paid after 6 month of the date in the check. After presenting a complaint in Citibank when i discovered all of this when I was preparing the report to pay taxes al XX/XX/XXXX, they oficially didnt answer up to now but the manager of the office in XXXX say that after 30 days they are nor responsibles of what they did and that they will not refund me my money and wont prosecute to the person that did it.
Consumer complaint received 2016-01-12
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc. (GA)

HELLO this company is did a hard click on my credit file without my written consent i never asked them for credit and never authorized any one to ask them on my behalf they are refusing to remove the hard click of my credit file the last XXXX of my ss # XXXX this happened XXXX/XXXX/2015
Consumer complaint received 2016-01-11
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have a credit card company that is garnishing me. And That account was open back in 2006. I thought it was going to fall off by now. As well and a car that was a lemon that I have put so much money into to parts I really paid for the car.
Consumer complaint received 2015-06-30
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. (FL)

Upon viewing my credit report in XXXX of 2015, I saw Midland Funding XXXX XXXX was listed on my credit report. They were collecting on a XXXX phone bill that was not my account. I disputed the account with the Credit Reporting Agencies XXXX CRA XXXX. Midland Funding verified with the CRA that the account was being reported accurate and was verified to be my account. I then wrote a certified letter to Midland Funding requesting the documents used to verify, specifically any documents to prove my liability for the account as well as proof of any payments made on the account from my financial institution. In response, Midland sent me a false statement created by them, made to look like a real statement with my name and address to serve as proof of my liability. They were not able to send any signed agreements or contracts nor were they able to show any previous payments made by myself on this account. Midland Funding is participating in illegal debt collection which is punishable by law. As a final resolution and to prevent future court proceedings, I am requesting proper debt validation to show my liability for the account or the account be removed from my credit report.
Consumer complaint received 2016-03-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MA)

Hi my name is XXXX XXXX I live XXXX Ma.. 
We own a home with Ocwen mortgage, When we bought our home we were paying about XXXX a month and slowly Ocwen jumped our mortgage to XXXX a month..yes it does include taxes and insurance..it is very high for us..Sometimes our mortgage is late, ,so our credit score is bad..We ca n't get refaince because of our credit score! ... .we ca n't even sale our homke because, we ca n't buy another! ..We probably will lose our home because our mortgae company does n't care..We work hard, ,and make ok money..we have XXXX college payments each month XXXX cars..etc ... .WE NEED HELP! THANK YOU
Consumer complaint received 2015-11-11
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

XXXX called my place of employment and told my Assistant that they needed to speak to me in regards to serving me papers. They claimed not to know what the policies at work were but wanted to find out from me. She got a name and number. XXXX XXXX XXXX ext. XXXX. I called XXXX XXXX back and she told me that if I did n't pay on an old debt within 72 hours I would be served papers and would have to respond to my local courthouse within 72 hours. This debt is for {$2800.00} from an old credit card that I had disputed since XX/XX/XXXX. She offered to settle with me for {$2100.00}. She was going to send me an email with the offer and then I asked her to validate the debt and she said sure thing but I must respond by XXXX today or the deal off of the table and I would be served. It is XXXX on XX/XX/XXXX and I have not received an email. She also stated that they sent me a letter 6 weeks ago offering me a deal to pay off the bad debt. I never received the letter and asked why she did n't send it certified and she said they do not do that. When I spoke to XXXX she did n't tell me what company she was with nor did she give me an address. What bothers me the most is that she called my place of employment. She asked my assistant what the procedures were at my place of employment so they could serve me papers and of course now my assistant believes I must be in some sort of civil or criminal trouble.
Consumer complaint received 2015-06-30
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

XX/XX/XXXX I submitted an application to refinance my existing mortgage loan with Bank of America. After waiting and many inquiries about a settlement date, I found out by email on XXXX XXXX from the loan officer, that my file was cancelled. I have been a customer in good standing with BOA since XX/XX/XXXX, my mortgage loan servicer. At this time,. my income has increased, my financial portfolio is still stable and has increased, and my outstanding debt has decreased substantially .My credit score is XXXX. I have provided all documents to complete the process in a timely manner. I was mailed a new Good Faith Estimate dated XX/XX/XXXX that exceeds the original one dated XX/XX/XXXX by {$1700.00}. I paid for the appraisal that was done in XX/XX/XXXX, required by the lender. I was assurred previously by my loan officer via email communication that the delays would not change the original terms on my loan. The interest rate lock that we agreed upon expired Please review and investigate why they cancelled my filed. I want to move forward however, the interest rates for loans have now increased.
Consumer complaint received 2015-07-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Franklin Collection Service, Inc. (CA)

I recently checked my credit report and saw a negative entry from Franklin Collections in the amount of {$300.00}. I have never been informed of any outstanding debt by any companies and was never contacted by phone or mail by this collection agency. I contacted Franklin Collections on XXXX XXXX, 2015 by email to inquire about this supposed debt. After providing XXXX XXXX XXXX my social she responded back with saying I have a case number ( XXXX ) and that it shows a debt of {$300.00} for XXXX XXXX XXXX XXXX. 

I have never in my life had an account with XXXX XXXX XXXX or used XXXX service. As a matter of fact, XXXX service is not even available in my area! 

They did not provide me with the name on the account but when I proceeded to contact XXXX XXXX XXXX, they said they could not provide me with any names or phone numbers associated with the account and that to handle this I would need to file a dispute with the credit agency. 

I have requested multiple times to XXXX XXXX to offer me information on opening a dispute but get no reply. She was quick to offer me informations out the amount owed but now I am being ignored and have this negative entry on my credit that does not belong to me. 

Here is the collector 's information : XXXX XXXXCustomer Service SupervisorFranklin Collection Service Inc. 
XXXX XXXX XXXX XXXX. 
XXXX, MS XXXX Ext. XXXXFax XXXXXXXXXXXX
Consumer complaint received 2015-07-17
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo has been issued a judgement against my bank account in which they took money out of for a debt that is not mine. In this judgement they can match my name, address, and birthdate but not a complete match on my social security number. Since the only thing that seems to be off is the social security number they are willing to give the money to the debt collection company XXXX and XXXX XXXX.
Consumer complaint received 2016-03-19
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: American Credit Acceptance, LLC (GA)

I have sent multiple letters asking for copies of proof of the legal notices and proof of the commercially reasonable manner of resale of a vehicle that American Credit Acceptance is claiming to be repossessed. The first letter was sent on XXXX XXXX, XXXX. This letter was sent certified mail return receipt and I have proof of delivery. This letter was received by XXXX XXXX XXXX XXXX, XXXX. This letter was asking for copies of proof of the legal notices and the commercially reasonable manner of resale of the vehicle in question. 

Under the laws of the State of Georgia UCC XXXX and State XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I asked American Credit Acceptance to provide proof within 14 days from the receipt of this notice or the claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

There was no response from this letter. I then sent a follow up letter on XXXX XXXX, XXXX reminding American Credit Acceptance that they have failed to respond to my letter to them in a timely manner, and requested that the remove their entry on my credit reports ( XXXX, XXXX, and XXXX ) within the next 14 days of receiving my letter. 

I believe my request were reasonable and American Credit Acceptance has failed to respond in a timely manner. This is a fraudulent claim by American Credit Acceptance on my credit reports and American Credit Acceptance is now in violation of both the FDCPA and FCRA.
Consumer complaint received 2016-03-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Harris & Harris, Ltd. (CA)

I am a XXXX citizen out of work and living alone. Harris and Harris keep robo calling me asking that I call them about a debt - each time I call they say they are trying to reach a XXXX XXXX ' - I 've lived at this address for 16 years and had the phone number for the same length of time and no XXXX ' has ever lived here over that time period - each time I call them I tell them as much but the keep robo calling - the last robo call I received was on XXXX/XXXX/2016 and I called them back on XXXX/XXXX/2016, explained the above and asked them not to call again - however that 's never stopped them in the past and I expect they will robo call me again. I filed a complaint with the XXXX today, so I 've taken not other action.
Consumer complaint received 2016-03-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am trying to reestablish my credit after Chapter XXXX bankruptcy last year. I wanted to check for credit report, and XXXX XXXX XXXX states that my mortgage was discharged! It was NOT a part of the filing. I did not go into foreclosure, only credit cards. I 've been paying all along. I filed a dispute with Transunion. They " verified '' that the information shall remain unchanged. Then why should I continue paying them? Can I make payments to a third party intil this issue is resolved? I 've got receipts because I pay in person plus have cancelled checks. It 's interesting because during the process of my bankruptcy, I could n't pay in person and had to send checks to a different address. By XX/XX/XXXX, the bankruptcy annotation in their file was removed and I once again have been paying in person. I will never be able to reestablish credit with this glaring mistake in my credit report.