davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

New complaint needed as a Balloon Payment will be due at the maturity date of loan, but the loan servicer that set that in motion will not specify that in the most recent correspondence as requested. Being transparent as the consumer is, the non regulated loan servicer issues have made my ability to have a secure decision with changes in streamline and different tier and DTI, NVP that servicer has changed since XX/XX/XXXX drive by with their advantage with a low ball appraisal and not advising of canceled compared to declined modification which apparent allocation of previous trial modification payments went to past issues not the rear of loan as described. Chapter XXXX attorney that requested all info about loan to his office staff, reneged on helping with modification as his staff was given all information pertinent to doing just that. Attorney was censured and gave me legal right for substitute attorney which also dropped out of representing me due to his ability to easily back out. JUDGE XXXX knows him ... ... He called her from his office with me present about being substitute. XXXX XXXX is in jail as he is corrupt with real estate and XXXX XXXX FRAUD, as his office allowed XXXX XXXX, the practice manager and paralegal and an Associate Attorney XXXX XXXX take funds to represent and provided representation without TRUSTEE approval and then derogation found out with no contract provided. Questioning XXXX later, he said XXXX was let go for wrong doing. He later opened his own office. Calling his office, found XXXX employed by XXXX, a joke. Pursuing reimbursement, was told by XXXX XXXX representing XXXX XXXX to call XXXX because XXXX a Wealth management attorney went back to New York after removing himself from XXXX XXXX and XXXX firm. XXXX XXXX XXXX. Transparent issues with legal representation being a hurdle because of original chapter XXXX attorney issues, XXXX XXXX, XXXX and XXXX counties. Case was reaffirmed due to his lack luster attributes with trustee payment not reduced as mod was approved. Fault of Legal Council, ... ... complicating due process.
Consumer complaint received 2016-11-02
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Neon Newco Corporation (NY)

I am an attorney with a law practice in XXXX. I am familiar with fraudulent offers, etc. Recently I found out through my CPA office that someone fraudulently filed an federal income tax return for 2015 to claim my refund. Fortunately the IRS picked up on this and with their help, today over the phone the fraudulent return was denied. About two weeks ago, I also received what appears to be a fraudulent offer from netSpend, XXXX, TX XXXX. They sent me, without my applying, a debit XXXX card in my name with instructions on how to activate it and to have money placed in it directly from my employer. I am hopeful I can attach a copy of the flyer to this complaint. If not, I would like to send it to you at some point. My wife and I both checked online and found numerous complaints about XXXX 's bad business practices. There was even an instance where the owner of a card that was not activated, was charged fees on his card and it was reported to a credit bureau that he had an outstanding debt to the netSpend. I tried calling their customer service number and could not speak with a live person. They only wanted my social security number or the card card account activated, both of which I refused. I want this card account terminated so that no charges or fees can ever be placed on it.
Consumer complaint received 2017-01-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

Back in XXXX of XXXX I had a direct deposit of XXXX dollars that went into my checking account at the time with usaa, well there was fraud on the account not due to my own doings but a guy that I met online and gave him the information to put money in my account. They put my account on hold and locked it out due to this guy ( XXXX XXXX ) he would call himself, I even reported him to the FBI and still have emails that he sent me from that time, they have requested information to prove my identity and I did, every time I would call them to see if they had come up with an answer they would either hang up on me or transfer me to 5 if not 7 different departments and this is still going on today as we speak. Here is is XXXX XXXX, XXXX and they still have my money of XXXX dollars and cents that i received from my job back in XXXX and they still will not give me my money back.
Consumer complaint received 2016-11-17
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (OK)

LVNV Funding is negatively reporting on an alleged debt that is 8 years and 4 months old. LVNV bought this debt and began reporting negatively XX/XX/XXXX. 

XXXX and XXXX have stopped including this report but XXXX still includes the negative reports from LVNV. 

I made a complaint to with the CFPB ( # XXXX ) asking XXXX to stop including this report, and to provide evidence of the debt. They stated that the, " data furnisher ( sic : LVNV ) has verified the accuracy of the disputed accounts, '' and that, " On XX/XX/XXXX, the results summary was sent to of you for review. '' This summary was NOT delivered via email, nor mail. 

LVNV not XXXX have not validated the accuracy of the LVNV to me personally, an alleged debt bought from XXXX and first reported negatively over 8 years ago in XX/XX/XXXX. This debt, and the subsequent claim from LVNV, should thus be immediately deleted from my account.
Consumer complaint received 2016-11-17
Product: Credit card — 
Issue: APR or interest rate — 
Company: Paypal Holdings, Inc (AK)

This letter is to file a complaint with PayPal as well as the Consumer Financial Protection Bureau concerning PayPal 's policy of allocating refunds on purchases to the general balance instead of applying directly to the cancelled charge. 

This has happened to my account twice in the last two months. The first incident was on my statement of XXXX/XXXX/16 for a charge of {$210.00} to XXXX on XXXX/XXXX/16 that was refunded on XXXX/XXXX/16 by XXXX for {$210.00}. In this instance I was charged {$22.00} in interest on an amount that had been refunded. I would like that {$22.00} refunded as a credit on my account. Note that for some reason the charge is shown as {$210.00} on my Statement, but online it is correctly shown as {$210.00} for both the charge and the refund. 

The second incident was on my statement of XXXX/XXXX/16 for a charge of {$230.00} to XXXX on XXXX/XXXX/16 that was immediately refunded that same day by XXXX for {$230.00}. In this instance I was charged {$26.00} in interest on an amount that had been refunded. I would like that {$26.00} refunded as a credit on my account. 

Please note that I 've already scheduled a payment of {$620.00} for XXXX/XXXX/16 which will alleviate any interest charges as noted on my Statement of XXXX/XXXX/16. Of that amount paid, {$340.00} was a charge from XXXX from a charge on XXXX/XXXX/16 which was refunded three days later on XXXX/XXXX/16 in XXXX amounts of {$110.00} for a total of {$340.00}. The application of a refund amount to the overall balance is confusing to the client and I believe to be a dishonest and unlawful practice. I believe that when a refund is made on a specific order or payment that it should be credited to that order or payment. What PayPal is doing is deceitful and that is why I have sent a copy of this letter along with the statements and listing of charges to the Consumer Financial Protection Bureau as a formal complaint against PayPal. 

I hereby request that you refund a total of {$49.00} in alleged interest charges and case and desist this despicable practice of charging interest on refunded amounts.
Consumer complaint received 2017-01-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (FL)

The original collection agency XXXX XXXX XXXX , XXXX has been reporting this collection on my XXXX credit reports ( XXXX, XXXX, and XXXX ) since XXXX. The reported original creditor is XXXX XXXX ; I have never had an account with XXXX. The original collection agency has assigned this debt to several other collection agencies ( XXXX and XXXX XXXX, XXXX XXXX, XXXX XXXX, and Resurgent Capital Services XXXX ) over the years to attempt to collect this debt. I have requested debt validation from XXXX, got no response from one CA ( XXXX ), and the last CA ( Resurgent ) has yet to send me competent evidence to prove I owe this debt to them. 

I first disputed this collection with XXXX and XXXX in XXXX XXXX as reporting inaccurately as OPEN and the results came back with nothing changed and it continues to report as OPEN on my XXXX and XXXX reports but reports as CLOSED on my XXXX report. 

On XXXX/XXXX/XXXX, I sent my first debt validation request letter directly to the source, XXXX. The letter was re-routed and delivered to an address in XXXX, SC on XXXX/XXXX/XXXX ; which I now know is the address to Resurgent. After over 35 days and no response from either XXXX or Resurgent, I sent a letter to both XXXX and XXXX ( with a copy of my letter sent to XXXX ) to remove this collection as the CA has not provided proof of validation. Then on XXXX/XXXX/XXXX, I received a letter from Resurgent with attachments ( an account summary report and a quick bill summary with my name on it ) which does not properly validate a debt. 
I, in turn, sent a second debt validation letter to Resurgent on XXXX/XXXX/XXXX demanding they send me competent evidence of debt validation within 30 days of receipt of my letter or have the original CA remove all references of the account from all XXXX credit reports. It has been over 30 days and I have not received a response from them. 
I am fed up with these collection agencies taking advantage of consumers and having the ability to add negative information to our credit reports without just cause. 
I am at my wits end and do n't know what else to do at this point.
Consumer complaint received 2017-01-25
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION (NV)

Under Federal Law I have the right to bring to your attention errors regarding my loans and servicing of them. I have done that and CIT has sent me an incomplete accounting regarding these HELOC Loans. See attached letter to CIT XXXX. As of this date I have not received the requested information to fill in the missing accounting gaps. 
CIT is in violation of Federal Banking Laws and continues to fail to produce the documents requested. They also have not reimbursed me the funds regarding check # XXXX {$50000.00} twice for a total of {$100000.00}.
Consumer complaint received 2016-12-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: BlueChip Financial (WA)

I obtained a loan thru Spot Loan for the amount of {$800.00} and was making regular payments to pay back until I loss my job. I was unable to pay back the remaining so in-turn they charged all the fees you can imagine to it and turned it over to a debt collection agency know as XXXX. I initiated a payment plan with them to settle my debt which was then well close to, if not over a {$1000.00}. I began a regular payment plan bi-weekly over several months paying it down to over half of what was owed. Then my bank sent me a new bank card with a chip and a payment did not go thru. So they contacted me and I gave them the new account info and re-established the payments again. However, when a payment did not go thru ( which was over a holiday ), they contacted me again. So I asked them to reschedule the payment again on a specific date which was the following XXXX. However, the agent ( XXXX ) became very rude and told me " we do n't want your money '', then hung up the phone. I was left with no other choice at that point. So since then, I have been receiving phone calls day and night at home and now, just today, at my place of employment. The lady ( XXXX ) told me she was calling to collect a debt and I told her Not to call me at my place of work again and she then told me " Well you are going to pay this back one way or the other so Good luck '' and hung up. I am overwhelmed with stress from all these calls demanding payment. No consumer should have to be treated this way. 

Sincerely -
Consumer complaint received 2016-08-05
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NC)

Discrimination, harassed, treated poorly and humiliated over several months by several representatives at Wells Fargo. 
They mis represented themselves, lied and tried covering up. 
My request for a refinance was made almost impossible and they threw in a Home Equity loan, but never explained costs until closing on the mortgage and forgot to give me a HUD report for the equity loan. 
Each agent was rude, mean and demeaning and got angry with me on the phone. 
I am XXXX, have a pension, XXXX and not physically well.
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: ID Analytics, Inc. (KY)

Im am in the process of disputing items that i believe to be incorrect on my credit bureau. Ive attempted to place a security freeze on my account with Sagestream and they continue to state they cant verify due to not being able to read the fax after three times. I then sent a certified letter to them to ensure that the information was clear and that they received it. I have left multiple voice messages with the company and havent gotten a return phone call. This is interfering with me taking care of serious issues in regards to my account
Consumer complaint received 2016-07-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CT)

This is being submitted because of an ongoing issue with Ditech Financial LLC. They have mishandled our account and specifically our mortgage payoff, and have placed negative incidents on our credit report. We paid them in full on XXXX/XXXX/2016 as prescribed by them and yet I am still having to deal with them. 
re : [ complaint # XXXX ] re : [ complaint # XXXX ] They have now acknowledged our payoff, and returned our escrow. Unfortunately the amount they sent us was wrong. On the payoff quote generated by them clearly shows and escrow balance of {$2500.00}, but they sent us a check for {$2300.00}. Did they think we would n't notice {$190.00} missing? Well ... we did, and we want the rest of our money. Since we did n't make anymore payments to escrow and they did n't disburse any money, the check should have been for {$2500.00}. It 's been almost 2 months and I am getting tired of having to deal with them anymore. When will they get it right? 

And now all XXXX major credit agencies are showing the negative credit information. We pay all our bills on time. The only negative mark in all our credit history ( 30 years ) is from them, them who caused all this by their incompetent handling of our account.
Consumer complaint received 2016-07-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Healthcare Financial Services, LLC (MS)

In XXXX 2016 I paid off a medical bill three months early. I paid electronically thru the Healthcare Financial website. I received a confirmation email. In XXXX XXXX with Healthcare Financial called saying I owed money and had not paid since XXXX 2016. I informed her of my payment in XXXX and gave her my confirmation number. She informed me they were in the process of switching their collections system and I may have received an email confirming payment but that did n't mean the payment went thru. With her on the phone I checked by bank account and confirmed the money did come out of my account. She said she would review the account and call me back. The next several days I called to check on my account and spoke with XXXX on XXXX XXXX and XXXX on XXXX XXXX. XXXX requested I fax her a copy of the email and a copy of my bank statement. A manager called me later in the week and informed me they were looking into the account and that they would place a hold on my account until the issue was resolved. XXXX XXXX I received another call from Healthcare Financial asking for payment. I informed " XXXX XXXX '' of the previous conversations I had with HFS and of the faxed documents I had sent on XXXX. She asked that I fax them again. I did fax the documents.. The next day I happen to receive a letter from HFS requesting payment as well. 

I have paid this debt and provided paperwork to prove the payment did come out of my bank account and the company itself sent me a confirmation email.
Consumer complaint received 2017-01-24
Product: Debt collection — Auto
Issue: Communication tactics — Called outside of 8am-9pm
Company: Innovate Managed Holdings, LLC (TX)

A debt collection agency Innovate Loan Servcing ought my car loan. Never heard of the company until about XXXX weeks ago when they called asking for {$1400.00}. They said they sent a welcome letter which I did n't receive so I asked for the letter to be sent to my email. During that call on Monday XX/XX/2017 the representative XXXX verified the last XXXX of my social security number but failed to tell me they were debt collectors and it was an attempt to collect a debt. I asked for the welcome letter so I could see it then begin working with them. I heard nothing more from them but got XXXX calls yesterday on XX/XX/2017 back to back and one voicemail. Then another call this morning XX/XX/2017 at XXXX am.
Consumer complaint received 2016-12-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Prosper Marketplace, Inc. (TX)

I previously disputed an item appearing on my credit report as identity theft. I have been a victim of identity theft and this account is not mine. I have previously provided a police report and have attached it again. 

The disputed account is : Prosper Marketplace - Acct # XXXX ....
Consumer complaint received 2016-08-06
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC. (MI)

I need you to get this company off my back!!!!! I can not afford to pay anything since I am on a fixed income and on XXXX and I am totally XXXX. I plan on filing for bankruptcy come XXXX 2017. If they sue me they wo n't be getting anything from me cause I have nothing!
Consumer complaint received 2016-07-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

Chase has reported my home loan as paid XXXX balance included in my bankruptcy. My home loan with chase was excluded from the bankruptcy. I make monthly payments and have never been late & I have a loan balance. How can they report a XXXX balance and that I have not make a payment since 2013 when I send them a check every month.
Consumer complaint received 2016-08-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc (CA)

This debt was created when my son vacated his apartment. I co signed for the apartment. When my son left, he left a deposit to pay all bills and enough for additional cleaning if necessary. The apartment was signed off my management as everything was in " ok '' condition. We then got a bill from the apartment claiming they needed to do repairs and were doubled billed for cleaning. I disputes the bill, contacted the apartment management several times, but they never provided any proof that the additional fees were real or necessary. I was physically I the apartment and saw that the additions fees were not necessary. The account went into collections in dispute, verification of the fees owed was never provided. I communicated this fact with the collection agency on several occasions and even evidenced that I contacted the XXXX, but nor the apartment management nor the collector provided any evidence or verification of debt. The most I got was a typed form listing the supposed charges and the collectors right to collect. This debt issue has already been removed from my other XXXX credit reports.
Consumer complaint received 2016-07-05
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

File # XXXX I reported that in XXXX 2016 XXXX of XXXX XXXX Florida did a hard pull on my transunion credit report WITHOUT express written or verbal consent from myself. 
I called XXXX and they ran my son 's that day but claim never ran mine. Yes they did, yes they lie, check my credit report. My credit was shared illegally and wrongfully with XXXX. 

Transunion did nothing but add my letter to my file. The hard pull is still there and I request it to be taken off. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2016-11-03
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Quick Debt Services LLC (TX)

I received a letter from the Assigned Department Document Service Center stating that they could help me consolidate my student loans. I called them and gave them my personal information in order to see what options were available to me. I spoke with XXXX XXXX. She offered me many options and then requested that there would be a fee associated with consolidating my loans. I gave her my personal checking account info but towards the end of the call felt very uneasy and asked to cancel the entire transaction. She got very angry with me and did not want to talk to me anymore. I asked her to send me an email stating that nothing would be processed and she was very reluctant to do so. I am worried that my information may have been compromised. I called them back and they said that as long as I did not go through the " compliance department '' then nothing would be processed and everything would be cleared in 24 hours. I am very uneasy about this and I am afraid they may charge me anyway. I have already called my bank to put a hold on my account.
Consumer complaint received 2016-11-17
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Aargon Agency, Inc. (IL)

Hi AAGON Agency Inc enter a collection with credit bureaus and this is the first I heard of the debt. I have no ideal who I owe money too. I do have health insurance and their were no co pays. I need this debt removed to they verify that the debt is mines and from what medical clinic. It 's strange they post this when they got my address to damage my credit