davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-19
Product: Debt collection — Mortgage
Issue: False statements or representation — Impersonated an attorney or official
Company: Dean Morris, L.L.P. (LA)

Lawyers at this law firm ( XXXX ) sent me a letter stating they were hired by this bank ( XXXX ) to prosecute legal proceedings to enforce the security interest, collect a debt on my mortgage. and filed affidavits in court declaring they were hired to collect a debt for this bank and filed an foreclosure in the banks name. This bank never had a loan on my property because it was paid out before the banks merged. About two years after contacting the bank the filed a affidavit stating the bank did not hire nor pay this firm to file the foreclosure. Once I contacted the bank the firm tried to get it dismissed and erased from record.
Consumer complaint received 2015-03-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WINN LAW GROUP, APC (CA)

I paid the debt in full in XX/XX/2008 and received a notarized letter from them stating that this debt was paid in full and that I no longer owed them any money. They contacted me a little over a year ago regarding this. I called and spoke with someone who had me fax over the paperwork that I have showing that it was paid in full. I called again to confirm that he received it and he said that he did and that everything looked to be in order. He said that if he had any other questions that he would call me back. I never heard from them again until just recently when they sent me the same paperwork again. I paid this debt off 7 years ago.
Consumer complaint received 2015-06-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Byrider Franchising, LLC (OH)

I purchased a car from JD Byrider XX/XX/XXXX. XX/XX/XXXX the vehicle was damaged in a severe storm. The insurance company claimed it was a total loss. The company asked and I agreed to continue to make the payments until the claim was completed as good-faith. When the insurance company 's adjustment was completed the difference between what was owed on the loan what they would pay ( the replacement cost ) was over {$5400.00}. After several attempts by the company to pressure me into another similarly over-priced vehicle I declined. I, instead opted for an agreement that I would pay the {$500.00} deductible and the company would forgive the balance after receiving the it along with the {$6400.00} check from the insurance company. I asked for this in writing and received it a few weeks later. When it was confirmed that the insurance company 's payment was made I attempted to pay the deductible and asked for a release of debt letter but was turned down by the woman at the payment office. She said that I owed {$5400.00} before I could get any release from my debt obligation. After numerous attempts to get the company to honor their agreement that was in writing I noticed that I had a charge-off on my credit report. Many months later they continued to not honor this agreement and my credit was severely impacted. I also notice that they had listed it a second time on my report from a different office. XX/XX/XXXX I contacted this second location hoping to get some relief and a reversal of this erroneous credit rating. After reviewing a copy of the letter the second location agreed that they would accept the payment and restate on the credit report paid in full as agreed. To my astonishment a week later the account was reopened as now paying. When I contacted the location again I was being lied to and the issue has not been resolved. I am now pursuing legal action as this has cost me tens of thousands in additional interest because of the negative impact on my credit.
Consumer complaint received 2015-04-08
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AES/PHEAA (FL)

Federal Student loan servicer for the Department of Education ( PHEAA operating under XXXX XXXX ) is reporting in excess of XXXX error on my credit report, including incorrect open dates, incorrect balances, the lender is not reporting payment history, erroneous derogatory remarks/comments, account status, and erroneous delinquent payments. The lender placed me in an authorized period of non-payment ( forbearance ), retroactively. The updates to my account cleared all delinquencies, and started my authorized period of non-payment ( forbearance ), beginning XXXX. However, the lender states they are not required to follow Fair Credit Reporting regulations per guidelines provide by the Department of Education. However, no one within the Department of Education, the lender 's office, or the Ombudsman has been able to provide a guidelines put forth by the Department of Education, directing federal student loan servicers to disregard the FTC governed Fair Credit Reporting Act, and continue to report delinquencies which has been removed from their system due to a retroactive forbearance, which is defined by the department of education as authorized period of non-payment. The Lender has is picking and choosing which information they want to report regarding my loans, most of which is grossly inaccurate. I have been requesting resolution on this issue since XX/XX/XXXX, which has included disputing the information with the credit reporting agencies, the lender, the ombudsman, and the lenders advocacy service, but have yet to receive the financial audit or the credit report corrections I have repeatedly requested.
Consumer complaint received 2015-06-22
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

On XX/XX/XXXX I entered into an agreement with The XXXX XXXX XXXX XXXX XXXX for a Home Equity Loan in the amount of {$53000.00}. The terms set forth as shown on attached document required me to pay {$610.00} each month starting on XX/XX/XXXX and ending on XX/XX/XXXX. Per the aforementioned terms I made ALL payments. As can be seen from the attached document, payment was made for each month and the last bill due in XX/XX/XXXX was sent and paid as agreed. Ocwen has either been servicing the loan or may have also purchased the loan but they are now telling me that I owe {$4300.00} - an amount that they have not qualified. If I have made all my payments as agreed and comply with all bills/statements sent by them, why would I have this amount owing? Please help me as I need the title for my property. I have sent them several letter and they have not responded, I also called several times but get a different answer as to the reason for the balance. Please help.
Consumer complaint received 2015-10-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

we have been getting late night collection calls from our mortgage company because we are two payments behind. We have been in contact with the on a monthly basis to let them know why we are behind and when the next payment would arrive. The other night we received a call from the same number at XXXX. It showed up tonight again when the representative called and harassed us about all of the things we have given the information on just last month. The representative refused to accept my answers and threatened more harassing calls until the loan is brought current.
Consumer complaint received 2015-10-27
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: Veterans Relief Services LLC (CA)

I received a call from XXXX Veteran 's Relief Services, LLC who insisted she could help my husband ( who is a veteran ) and me get a much better mortgage via her company 's program which she referred to as a " Hybrid ARM ''. Per XXXX, this program was completely different from a standard ARM ( adjustable rate mortgage ) in that he rate could never go up more than 2 % over the locked in rate of the current 2.25 %. I advised that before I would set an appointment with one of her 'advisors ' I would need to see some sort of literature on the loan explaining exactly how it worked and what to expect. 
XXXX XXXX sent the email to my husband per my request. ( See attached ) Because he was exceedingly busy he asked me to review it and respond. The loan is, in fact, a standard ARM loan. Per the United States Department of Veteran 's Affairs there is no such thing as a 'Hybrid ARM ' just for veterans. 
I replied to XXXX XXXX, albeit somewhat harshly, advising her as such. ( See attached ) The sale of this fraudulent loan is harmful to veterans and their families. I copied her employer, who claims to own the company, my husband, as well as the man who handled our current VA 30 year fixed rate loan. In response I received a XXXX page email ( see attached ) from the owner of Veteran 's Relief Services, LLC, XXXX XXXX, filled with foul vitriol towards me, my family, and People 's bank. 
The email is also, filled with fraudulent statements regarding the aforementioned nonexistent VA Hybrid ARM that XXXX XXXX of Veteran 's Relief Services, LLC is trying to convince our Veterans they should buy into even if they are currently fine in a fixed rate mortgage. 
The fraud comes in by telling consumers that 1. It is not a standard ARM. 2. He shows his own mortgage statement that clearly indicates his mortgage interest changes in XXXX of 2016. ( See attached ) The video their company uses to demonstrate the loan also clearly indicates this a standard ARM. See XXXX However, because it is XXXX minutes long I doubt that many people will watch it in its entirety. 
I believe selling a fraudulent mortgage by phone and email is illegal. So should the follow up harassment and the slanderous statements regarding XXXX.
Consumer complaint received 2015-09-09
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

Constantly being called about fictitious amounts on a credit card that was supposedly canceled years ago. I have no clue why there would be a charge, I cant verify what any charge would be from, and I cant verify who exactly is calling me. The last call received was from XXXX
Consumer complaint received 2015-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

Equifax has an incorrect derogatory mark on my record relating to a judgement against my father who has the same name as me. I contacted Equifax and they refused to remove it from my credit report and it is negatively impacting my credit score. I contacted the court that issued the judgement and there is nothing they can do.
Consumer complaint received 2015-10-28
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (AZ)

I have not been able to access my account accept via phone, I tried to call the company to ask when my deposit this week would be available to my card and the line to card services disconnects every time Ive called. I am not able to monitor the account transactions by phone, the recording only provides the last XXXX transactions and the online log in locked me out of my account even though I provided all the correct information. I would just like to know if Im going to get paid this week.
Consumer complaint received 2015-04-07
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Reference Account : USAA SECURE CHECKING # XXXX XXXX/XXXX/2015 I spoke with XXXX, one of your reps, We spoke about the recent fraud that was being investigated on my account. Unfortunately the experience was one of the worst I 'd ever had. I was treated like I had committed a crime, I was accused, badgered, importuned, plagued, and also harassed. I 'm sure he knew he was speaking to an XXXX XXXX, by my tone. His actions were unprofessional, unsympathetic, and unprincipled, His discriminatory presentation has prompted be to make a complaint with the FDIC. I 'm a victim in this situation, and this situation has caused me to very agitated, My life was stolen. I called the bank, a well-known organization to establish the status of the case and was treated like I was from XXXX!!
Consumer complaint received 2015-06-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

Dear sir/madam, as I was going through my credit report on EQUIFAXthen I noticed a negative report on my credit. The negative report was from a Company called XXXX XXXX XXXX any time I dispute the account, they kept sending a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX XXXX. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX XXXX or any of it affiliates. 
I am requesting that XXXX XXXX XXXX or any of their affiliates should remove such negative statement from my credit report
Consumer complaint received 2015-06-22
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: M&T BANK CORPORATION (NY)

I used to have an account with M and T. Over XXXX years I closed the account and cut up my bank card. XX/XX/XXXX or XX/XX/XXXX I cleared up all my debt which also verified that I had no open accounts or outstanding balance with them. Just today I received a call from them stating that my bank card was used and they wanted to verify that I was the one who used it. This means that the bank reopened my account and issued a new card under my name without my consent.
Consumer complaint received 2015-06-23
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

In XXXX of 2015 i contacted XXXX ( XXXX ) XXXX regarding a credit card i try to see if we can settle but they started to engage in unfair and deceptive collection practices and started to violate the Fair Debt Collections Practices Act and Unfair And Deceptive Acts And Practices ( UDAP ). At that point i had terminate the call the debt collector i was trying to settle with wanted me to secure the payment right there on phone and i stated i did n't want to until the day the funds where available and indicated that i did n't have a card and wanted to mail it in. Once the debt collector realized i was n't going to secure the payment right then she stated that settlement was no longer an option and i could n't mail in the settlement then i became no longer eligible for a settlement at that point she started to violate FDCPA and UDAP for unfair business practices. I also told them numerous amount of times to stop calling the telephone they had on a recorded line they kept continuing to call the cell phone number multiple times and multiple times a day, throughout the course of several months. At this point i am filing a complaint and going to explore further options.
Consumer complaint received 2015-06-23
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Thomas & Thomas Attorneys and Counselors at Law, LLC (OH)

The debt collector used a third party to verify my employment. This third party had my social security number? My boss thinks I 'm trying to get a new job as she said loans & jobs are the only legal reason for job verification. Is that true? The third party said they did n't know why the company wanted to verify my employment only that they were asked for the information. Are companies allowed to share my social, address, etc with other companies? Why would n't said company just call themselves?
Consumer complaint received 2015-12-02
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America told me that I could get a 30 year FHA mortgage loan through them at 3.8 % with no points and only a loan origination fee of approximately {$1000.00}. I was sent a GFE with those terms. The day before closing, I was sent the paperwork and noticed that I was being charged points and a bigger loan origination fee ( totaling {$3400.00} instead of {$1000.00} ). The seller 's bank would not approve pushing closing back while I looked into the discrepancy, so I asked my loan officer about the differences and he apologized and said he would check on getting me a refund after closing. During one of our discussions after closing, he said that I signed a document agreeing to the points and additional fees, so there was nothing he could do. I asked for a copy of the document. It was one that was sent to me in the mail in a packet that I did sign, but the listed charges that were later listed as points and loan origination charges were listed as 'settlement charges ' and since he told me there were no points and the only bank fee was ~ {$1000.00}, I believed the 'settlement charges ' were charges that were unrelated to points or bank fees, but rather charges that are standard and everyone pays with every FHA mortgage . When I explained this to him, he said that he would look into in and get back with me. Every time I contact him and ask him for an update, he says something like, 'let me check ' and never gets back to me. I feel this is very deceptive and they should refund me the {$2400.00} extra they charged.
Consumer complaint received 2015-10-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MI)

I was the victim of an identity theft by my ex-wife. She was charged with the crime and convicted and received probation. When we separated she stayed at the residence. She became involved with another person and they applied for credit everywhere using my identity and she wrote thousands of dollars in bad checks against our closed joint account. She started out making an attempt to actually pay the bills because she did not want to get caught. She told the judge that she had intended on maintaining the fraudulent accounts so she could have the credit, but she was afraid getting caught would affect our custody battle for my child. She was charged with the crime and made a plea deal admitting to stealing my identity, writing thousands in bad checks and fraud. I have gone back and forth with primarily Experian about this for years even providing them with proof that the identity theft occurred. I am the victim and I 'm still dealing with this, she is the criminal and got 18 months of probation. When Experian investigated it they said the accounts were set up from an address on my report ( I left the residence to her ) and also noted that some payments were made at first on the accounts which she admitted doing to the judge because she did n't want to get caught and was afraid she 'd lose custody of our child if she got caught. All of this is on record with the Superior Court of XXXX XXXX Georgia and the police department. Long ago I actually sent Experian a letter from the prosecutors office supporting the identity theft and still Experian did nothing to remove these identity theft accounts
Consumer complaint received 2015-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (FL)

Please help me, there was a judgment filed a while ago that should have never been files as the debt was paid before it was ever filed. I disputed the item several times which the only agency reported is Experian, they stated no they would not remove so I had my attorney go to the courts and obtain a motion to set aside, which I attached. The judgment should have never been filed and everyone agreed. Why is Experian not complying with the law?
Consumer complaint received 2015-04-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank is unable to retrieve transfer that was done to a fraud account of fraud person for fake sale. Hello, I got many calls from this fraud company mentioning good deals about flights I was looking for. They sent me confirmation and tickets for flights I verified with airlines and they were booked for real. After a MONTH the tickets got cancelled and I never got refund. XXXX says someone cancelled it and it was fraud and used invalid card and details.They are trying to investigate as well, as they think its a fake travel agency. I transferred money via bank of America to consultants bank of America account, Now no one is answering calls nor responding to email. I tried requesting Bank to see if they can hold the account and retrieve the money back. I filed police complaint as well. Bank says that they can only REQUEST recipient to transfer back the amount, how can they allow fake accounts to be opened and operate, and how can they now file a case against the fraud and help me getting refund. Please help!! XXXX of my friends paid this fraud person as well in different bank account, XXXX bank and XXXX, and their tickets are now cancelled and no refund! I am filing a Police case as well - not sure if we can sort this out. XXXX of our friend paid to XXXX of the accounts of this company as well. No updates from anywhere so far. I lost {$1400.00} with this fraud. Thank you.
Consumer complaint received 2015-06-21
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: TD BANK US HOLDING COMPANY (VA)

I purchased a used Jeep 2015 Cherokee Latitude from XXXX XXXX of XXXX on XXXX XXXX. The advertised price for the vehicle on the internet was {$23000.00}. A subsequent reduced price advertisement on the internet showed the reduced price to be {$22000.00}. XXXX charged me {$32000.00} for the vehicle. This is a price difference of {$8200.00} using the larger advertised price and {$9700.00} for the reduced price. I 'm disputing the price difference between the amount being financed ( {$28000.00} ) with TD Finance versus the price I calculated using the larger advertised price and XXXX XXXX XXXX values for the vehicles I traded-in ( {$21000.00} ) as the bottom line amount for financing. The total amount of overcharge I dispute is {$7100.00} XXXX {$28000.00} - {$21000.00} XXXX. An uploaded table provide a summary of the situation.