davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-17
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Patenaude & Felix A Professional Corporation (CA)

XXXX XXXX XXXX XXXX as XXXX XXXX XXXX ) is committing fraud in their serving process. According to their client Patenaude and Felix, I was served properly on XXXX XXXX with a lawsuit by a person named " XXXX XXXX '' Upon calling and searching for a way to contact XXXX ( as XXXX XXXX ), I have asked for the full name of this person who supposedly served me which leads to a circle of the attorney for Patenaude and Felix XXXX XXXX and XXXX ( as XXXX XXXX ) telling me to call the other party about the server 's full name. 

I am at my wits end with this matter, due to the fraudulent service of this company 's employee leading to a default Judgement against me from a lawsuit that I was n't able to defend myself from. 

The fraudulent service in question is listed on the sheet as being in person on XXXX XXXX, however in addition to this being completely false, the description of the person listed on the process form is false. 

The company 's name is listed on the documents, however they company wo n't give me the person 's full name, their client wo n't give me the person 's name by telling me to refer to the Proof of Service form. There also is n't a signature on the form from theThis company is acting fraudulently and XXXX ( as XXXX XXXX ) should be found liable for violation of the FDCPA for falsifying information on legal documents in order to obtain a false judgement. Even the phone number that was listed on the legal documents was false.
Consumer complaint received 2015-11-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MD)

We entered a payment plan with Greentree mortgage with the understanding after we completed the plan, which we did accordingly that our XX/XX/XXXX payment would be deferred. We learned this was not the case after our plan was completed and receiving a call from them requesting the payment. We were informed that XXXX XXXX XXXX, the investor decided as of XXXX XXXX, 2015 they were not honoring deferments agreements made prior to XX/XX/XXXX or after. What is our recourse?
Consumer complaint received 2015-12-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CT)

Several times I have filed complaints with Equifax , referencing public records Judgement XXXX and XXXX, just now I filed another complaint, Equifax conf # XXXX, XXXX settled with attourney prior to court appearance, if paid per agreement this would be removed, this was paid in full a while ago, this is over 4 years ago. 
The next judgement XXXX, was a result of medical debt paid and also over 4 years old. 
Equifax is also reporting a credit inquiry from XXXX XXXX, from XXXX of this year, please note attached sheet where on XXXX/XXXX/15 XXXX XXXX said this inquiry was removed.
Consumer complaint received 2016-02-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OH)

I lost my job because I have XXXX XXXX I can not work like I used to, and got behind on my mortgage but the first time I sent payments to OCWEN but they refuse the payments and send them back to me. I called them and they said they would only take a payment if I did the payment through them. I did this they wanted XXXX dollars every two weeks. This is XXXX more than my mortgage. I told them I filed for help and modification and forbarence but they said it did not matter I had to pay them. I told them I would do it the first two times but then I went back to making the payment through my bank which they return a payment again. Can they return my payments when I am making over my monthly payments? I told them I finally got a new job but it may take me a few to get caught up. They stated ok but I need to only pay through OCWEN not my bank. But they charge me a fee to do that and my bank does n't. OCWEN also charges to mail stuff to my house and inspect my property which my house has never been inspected from OCWEN. I keep getting letters to file for a modification but I have several times. No response. I just want to pay my mortgage and get caught up. This is the third time this company has messed with taking my payments, raised my mortgage and when I call and ask why they always say it is taxes or escrow, I just want my loan to be modified with a decrease in payment or go to a different servicer. I just want to pay my mortgage and keep my home.
Consumer complaint received 2015-09-15
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (NJ)

It seems the bank ( Wells Fargo ) has an error in their loan management system. I had made an error in setting up my automatic loan re-payment information and inadvertently missed a payment. This triggered a {$20.00} late fee in my account. No problem with that. However, when looking at my statement, I noticed that the line item that added the {$20.00} late fee also incurred a {$.00} cent interest in the same monthly bill. I think that is wrong and hopefully just a " programming error '' and not an INTENTIONAL act to XXXX money from consumers. Please look into it and either explain this action or ask Wells Fargo to change their practice. I made a personal complaint when I called to ask for a one time waver of the Late Fee. They did grant me that waver but did not say anything about this OUTRAGEOUS interest gouging practice. XXXX multiplied by XXXX is a lot of money.
Consumer complaint received 2015-11-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (OH)

I have Best Buy credit card ( Citibank ), and have been receiving harassing calls after paying my {$25.00} payment - not exactly a huge debt. 

With my husband having been recently been hospitalized, right or wrong, that small payment was last on my to-do list. Yes, I was late ; however, I took the initiative to call them directly this morning ( approximately XXXX on XXXX ) to make XXXX payments ( {$50.00} ), including the scheduling of the next. By about XXXX, I noticed I had missed another call from Citi/Best Buy with regard to my outstanding payment despite having satisfied it. In response, at XXXX, I called Citi/Best Buy again to ensure that my account was up to date, considering I received such confirmation earlier in the morning. She said all was well, and that they 'd cease the calls. 

Sure enough, at XXXX I was called again by the same number ( XXXX ). This time I explained to her that I 'd verified TWICE that my account was up to date, and that this was the second harassing call after having paid. I politely warned them not to call again, but my expectations are low. The representative, in a condescending tone, blamed it on their auto dialing system. She abruptly hung up on me after I mentioned the fair credit reporting act and my intent to file a complaint. 

As someone who worked for a XXXX XXXX institution that took its fair share of penalties a few years ago, I know there is absolutely NO reason that their so-called " dialing system '' ca n't be linked to updated account data. It 's ridiculous and rude. I 'm sure I 'll get another at XXXX and likely again tomorrow. If there is anything that can be done, I would appreciate it immensely. 

I did a little research on the toll free number I mentioned above, and saw similar complaints on XXXX notes-type sites. Apparently Citi and Best Buy are known for this. ( I have accounts with other institutions, and have not had a similar issue. ) Thank you.
Consumer complaint received 2015-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a debt collection notice on XXXX/XXXX/15 from XXXX XXXX XXXX XXXX XXXX for {$670.00}. I immediately contacted XXXX XXXX XXXX on XXXX/XXXX/15 by phone and requested an investigation into this debt because i had not had any services at XXXX XXXX XXXX. I also submitted a response to XXXX XXXX XXXX disputing the debt in writing with returned receipt on XXXX/XXXX/15. I received a response from XXXX XXXX XXXX on XXXX/XXXX/15 that stated " XXXX XXXX XXXX has determined that your dispute request is valid and has provided the credit reporting agencies with the corrected information. '' I also received a updated statement from XXXX XXXX XXXX on XXXX/XXXX/15 that I had a zero balance due.This collection account was removed from all credit reporting files. On XXXX/XXXX/15, I received a debt collection notice from XXXX XXXX XXXX XXXX XXXX for {$670.00} with the same acct # from XXXX XXXX XXXX. I submitted a response to XXXX XXXX XXXX on XXXX/XXXX/15 with returned receipt requesting another dispute investigation and that this debt did not belong to me. On XXXX/XXXX/15, I contacted XXXX and Transunion to disputed the collection acct. On XXXX/XXXX/15, I received the investigation results from XXXX stating the collection acct was removed. However, on XXXX/XXXX/15 I received the results from Transunion stating that the acct was " verfied, no change ''. On XXXX/XXXX/15, I submitted a letter to Transunion with all of my evidence of this collection acct requesting that the acct be deleted from my credit file because I have successfully disputed the acct with the creditor in XXXX and received a statement that I did not have a balance. Also, I stated that I had sent XXXX XXXX XXXX a written dispute on XXXX/XXXX/15 and they have never responded to my dispute request per the Fair Debt Collection Act within 30days. And therefore, XXXX XXXX XXXX has failed to provide the requested proof that this debt belonged to me and can not legally verify that the debt belongs to me without conducting the proper investigation that was requested. On XXXX/XXXX/15, I received the investigation results from Transunion that stated " New information Below '' the collection acct remained on my credit file with no change. I contacted the Credit reporting agency on XXXX/XXXX/15 to find out why the acct was not removed and was told that the information that I submitted was not sufficient even though this acct was already removed before and clearly this acct is being sold to different collection agencies after I have already disputed this acct properly received a statement from the original creditor of a zero balance. I have recently been denied in XXXX credit by XXXX XXXX due to a collection being reported on my credit file and this acct has continued to have a negative impact on my credit reports.
Consumer complaint received 2015-11-08
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Revenue Recovery Corporation (KY)

I called this Revenue Recovery to ask for an itemized statement for a large medical bill I do not remember, I assumed it was a previous collection agency handling one of my other medical bills. They agreed to send it in the mail. I am trying to see if the VA will help me pay for any of the debt since I was n't close enough to a VA facility at the time. I agreed to make payments definitely, and told them it would be in various amounts and frequently throughout the month since I would pay with income from my employment and VA compensation. 2 days later, I have a new collections account on my credit report that just showed up. My credit score drops XXXX points and I find this extremely unfair to do period, especially 2 days after I contact them for verbal agreement. The only statement I have does not have my apartment number on it and that is why I told them I may have not been getting any other letters from their company. I 'm in a better place financially and am now able to pay on all of my debts simultaneously, I go about doing it and end up with this. There has to be some way to undo this. I am calling tomorrow morning and speaking with a supervisor. I have attached what I just found to be the original creditor ( the hospital ) on my credit report under the " Collections Removed '' portion. They are listed there twice. Duplicated, same name and amount of {$640.00} I know nothing about. Why was this there then removed? And who removed this? This is why I asked for the itemized statement, to verify amounts for instances like this.
Consumer complaint received 2015-12-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (MN)

Statement from our Listing Agent : XXXX XXXX, The XXXX XXXX XXXX. We initiated a short sale XX/XX/2015 with US BANK. At no time were we informed by US Bank that a sheriff sale was in the process of being scheduled for end of XXXX XXXX. Owners were served a sheriff sale notice XX/XX/2015. A complete file, which includes all required and requested documentation, including an appraisal ( ordered and completed by US Bank ) was confirmed as being received with file being moved to processing on XX/XX/2015. This is after numerous times where documents were sent and confirmed as received by US Bank and later re-requested. On XX/XX/2015 I sent an email and was able to reach our assigned contact manager XXXX XXXX. She did not give me a reason as to why the sheriff sale could not be postponed, she did say she would check with her supervisor on getting file accelerated which should allow us to proceed with short sale in the event we are not able to close prior too. She went onto say she was n't sure if the file would qualify for acceleration which I found perplexing due to this new imposed timeframe and the file status being complete. She also said she had no updates from processing department and no additional documentation was required at this time. I confirmed that we continue to a cash buyer as well as a back up buyer in place ( purchase agreement provided as part of file ). On XX/XX/XXXX, XXXX called ( potentially an auto dial or required scheduled call ), it appeared she needed to familiarize herself with the file and had no updates for me aside from that she felt a short sale would n't get done in time? I asked her if file had been accelerated and she said no and furthermore we had also not been assigned a processor or negotiator. This is week 4 that nothing has happened on file since confirmation of complete package was received, except for US Bank to serve owners with a sheriff sale notice. It was disconcerting at the lack of familiarity she had with file when she advises she is only point of contact. She would not provide contact information for the processing department but did elect to share that her supervisor XXXX XXXX sits right next to her.
Consumer complaint received 2015-12-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I have a car loan which I routinely pay on line. I paid XXXX payment on XXXX. A week or two later I received a late payment due from their collection dept. After a long conversation on the phone I finally convinced them that I was looking on the computer screen at my bank account and saw that they debited the money from my account on XXXX. They supposedly saw what happened and said they would take care of it. Twu weeks later I received another letter from the collection dept. with more late charges. I called again and they said be patient and it will be corrected. Three weeks later I received another letter from the collection dept. This is ridiculous that in this day and age they can not just bring up my account on the computer and fix the problem with one or two keystrokes. I am now concerned that this is going to affect my credit score as it is XXXX. I just want it fixed and a written letter from them stating that this will not avvect my credit score and to get rid of the late charges. I actually talked to a XXXX ( a supervisor ) but still a pronlem is there and not even an apology.
Consumer complaint received 2015-11-10
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (GA)

I have a unauthorized charged on my macys American express card1.XX/XX/XXXX macys at XXXX XXXX in amount of $ XXXX.XX/XX/XXXX macys at XXXX in amount of $ XXXX.XX/XX/XXXX macys at XXXX in amount of $ XXXXtotal amount of XXXX un authorized charge
Consumer complaint received 2015-12-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (NC)

I 'm showing on my credit report that I owe a balance to XXXX XXXX XXXX XXXX, but I never had phone service with this company. I do n't recall them notifying me about this situation. There is also no evidence to prove that I had service with this company. No billing statements or anything.
Consumer complaint received 2015-11-07
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

There was a news report that several ATM 's had scanners on their ATM 's in an area of town that I use the ATM 's. I checked my bank account and sure enough somebody had scanned my debit card and pulled out {$4500.00} out of my savings and {$100.00} out of my checking over a 7 week period. I had my debit card on me at all times, and I have never given my pin # to anybody. I called the bank, they said it was obviously fraud and said they would return my money. That was on XXXX XXXX. I have since had my claim denied for several ridiculous reasons and still do not have my money that was stolen. I had a savings account for several years and never took money out of savings, then over the course of XXXX weeks, somebody depleted my savings account and then moved on to my checking. The bank never notified me that somebody was withdrawing several hundred dollars a day several times a day without my knowledge. It was definitely not my pattern and out of the ordinary but they called it non-aggressive withdrawals. Seemed pretty aggressive to me that I would never take money out of the account and then nearly empty in XXXX weeks. I deposit cash in to my checking account that I get from my fianc for bills when he would cash his check at Bank of America. Why would I deposit cash into my checking and then turn around and pull out of my savings? It does not make any sense. They tried to tell me that it was my fianc taking the money, but he does n't even know my pin #, and the transactions were happening on the east side of town, while we were working on the west side of town. They showed me still pictures of him on dates that were not the same dates of disputed transactions. He also uses Bank of America. This is purposely trying to frame him and fraud.
Consumer complaint received 2016-02-15
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

I got a call from my HR at work to tell me my wages are going to be garnished, due to a court ruling lether he got. This blew my mind because I could n't for the life of me think who this creditor could be and how do they have the right to garnish my wages without me knowing a thing about it. My HR gives me the number to call and the company is midland funding which I never heard of ever and they said they got a court ruling to garnish my wages, because they sent several attempts to my address on file and no response, so I ask for the address on file and it 's my mom 's house in which I have not lived in for 11yrs, and my mom never got any mail to me EVER. If I knew it was a court order I would of definitely responded. I know the FTC filed a lawsuit against tribute credit card and I do n't remember ever having that credit card and they could n't produce any info to me but that they are taking my money. This is so upsetting, because I live paycheck to paycheck. This is not right that a court and company will make their own judgements, while the the other person does n't know a thing that is going on. These people are incredible, and the extent they will go to embarrasse you and take your money. As if I had millions. Please help.
Consumer complaint received 2016-02-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (NY)

Recent monitoring of my credit reports shows an account XXXX listed by enhanced recovery collection agent in the amount of {$1700.00}, from a original creditor, t mobile, i hereby dispute that this account is in error, unverifiable and inaccurate and should not been reported to the my credit reports, i have not receive any correspondence about this debt from XXXX or the collection agency verifying this debt and providing contractual agreement bearing my wet signature and identification. Reporting of inaccurate information from debt collectors to credit report is against the fair credit reporting act and i demand that this issue be addressed immediately, i demand that such report be removed from my credit reports immediately, i also demand verification of debt from the collection agent providing with the contract with the said creditor bearing my wet signature and identification and itemization that amounted to said amount reported on my credit reports, failure to do so will warrant a legal action for defamation of my credit report and unscrupulous means of collecting debt. The items reported to XXXX and any other credit reporting agency should be removed immediately.
Consumer complaint received 2016-02-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (CA)

10 years ago, I had a pre-paid credit card ( re-paid {$300.00} ) with XXXX XXXX. I purchased a text book for about {$150.00}. XXXX XXXX ended up buying out XXXX XXXX and told me they do not do pre-paid credit cards and charged me ridiculous amounts for what they considered a regular credit card. Today, years later, they still will not drop off of my credit report and claim I owe them {$750.00} for the textbook I bought with my pre-paid credit card through XXXX XXXX. They keep selling my debt to new creditors so it will not fall off. I believe this is fraud, and if it is legal, I would like an explanation on how they can do this. I am trying to rent a house, but no one will rent to me with this on my credit.