davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

I Q Data International, or RentCollect or whatever new name they choose to use, is a collection agency with hundreds of XXXX, CFPB and XXXX complaints. In my case, they ignored documentary evidence that no debt was owed and instead colluded with a property management company to fraudulently collect " past due '' accounts based on invalid information provided by the " creditor ''. What is especially insidious about this collection agency is that they do not verify the legitimacy of the debt and even after they have enough information to NOT pursue an invalid debt, they merely move forward with collection efforts and try to damage the victim 's credit rating. They claim to operate an ethical and legal business when, in fact, it is clear they do not. To be blunt, I Q Data is a crooked operation that attempts to collect invalid debts. The only way to deal with this company is to retain an attorney. They know they have been retained to collect money from victims who do not owe anything to a property management company. They willingly participate in a shakedown of renters.
Consumer complaint received 2016-11-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (FL)

I became behind on my mortgage payments due to several reasons. PNC Mortgage kept sending payments back due to lack of full payment for all that were due. I contact a law firm and they stated they would help. I paid them {$1300.00}. Once that was done they collected pertinent documentation needed by PNC. After the Law Firm spoke to PNC they stated they would be willing to do a Mortgage Modification with a payment Trial period. The law firm then stated they will withdraw from the communication and let me deal with the bank. The bank agreed to let me make trial payments but all the while asking for continuous and duplication of paperwork that was already given. In the meantime the law firm had closed their file and sent it to PNC. I made the first trial payment for XXXX/XXXX/16, by walking it into their branch on XXXX/XXXX/16, which is attached. After following up with the Loss Mitigation department, they stated that my agreement was null and void because they had received financial information from the Law Firm. No where in the agreement does it state that this would happen. All the while foreclosure processing was going forward but the agreement stated if I made the payments ... ... No Foreclsoure Action would happen ... ..I received notification that the Lis Pendens was filed on XXXX/XXXX/16 and papers were served to us on XXXX/XXXX/16. In the meantime our payment that was made for the XXXX XXXX, 2016 payment was refunded via mail. I called PNC Loss Mitigation and they said the previous agreement was null and void and they would have to start a new process to see if we qualify for a modification. After several months of sending information and confusing instructions by several individuals I am writing to you. Please help me save my home! This ca n't be the way Banks can conduct business! Consumers are held to a higher level than banks? All I want to do is pay them what I owe them and continue on. I filed a 45 day extension and now I get served that I have to go to court. Will the court side with the banks? I talked to another attorney and they said a term called " Dual Tracking '', I looked it up and showed that this is way for the banks to prolong the process while the attorney puts your home in Foreclosre.
Consumer complaint received 2016-09-12
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: TCF NATIONAL BANK (WY)

On XXXX XXXX, 2016 I contacted XXXX XXXX XXXX to purchase a 2016 XXXX XXXX Pickup Truck. The Finance Manager that took my credit application was XXXX XXXX. ( See Attached E-Mail with Information ) I told Finance Manager up front that I was a Victim of Identity Theft, had a 7 year Extended Fraud Alert on my Credit Bureau Reports, and no loan could be considered until I was personally contacted by any lenders. On XXXX XXXX, 2016 XXXX XXXX confirmed my Financing was approved from lender XXXX. I took delivery of vehicle on XXXX XXXX, 2016. On XXXX XXXX, 2016 I received an Adverse Action Credit Notice from Gateway One Lending & Finance for a " Credit Denial ''. I was completely unaware they were a Lender that XXXX XXXX XXXX sent my Credit Application for consideration. I was NEVER contacted by a Gateway One Lending & Finance Loan Officer, and I was NEVER offered any credit under other terms from Gateway One Lending & Finance. I was contacted by ( 2 ) other lenders for my Credit Application. Both followed the rules pertaining to my 7 year Extended Fraud Alert on my Credit Bureau Reports with ( XXXX ) Major Credit Bureaus XXXX, XXXX, and XXXX. Neither of the other ( XXXX ) Lenders issued an Adverse Action Credit Notice. Gateway One Lending issued an Adverse Action Notice without compliance with Federal Law pertaining to the Federal Credit Opportunity Act.
Consumer complaint received 2016-11-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (IL)

After a separation of 2 years, without being on my mortgaged property, it was ordered in a divorce that my ex-spouse had 2 years to obtain credit and take over the mortgage for the property that I had financed. It was also ordered that if at any point, she was more than 60 days past due, I would retain ownership and responsibility for the property. After multiple court proceedings for her contempt, the property was finally awarded back to me on XX/XX/2016. The mortgage was originally with XXXX, during the court proceedings the mortgage was sold to Seterus, a collection firm. On XX/XX/2016, I paid {$4200.00} to Seterus to make the mortgage account payments current and up to date and made every payment on time from that point until the house was purchased in XXXX. The house was sold on a VA loan. I contacted Seterus in XXXX and informed them of the sale. Seterus assured me that although the closing was set for XX/XX/XXXX, I did not have to make any further payment on the loan. I was concerned that this would negatively affect my credit score. The Seterus representative assured me that I had a certain amount of days before that would happen. I was under that amount of days. On XX/XX/2016 I made a final payment of {$190.00} to Seterus, the payoff difference. On XX/XX/2016, I received a check from Seterus for {$310.00} for over payment. In XX/XX/2016 I received a letter from Seterus, it stated that I was past due on the loan. I called Seterus once again to dispute. Their representitive confirmed that the house was sold and their were no late payments. After explaining I was trying to repair my credit. I requested to have their auditors update their report to the credit agencies. It is now XXXX it shows paid, but now showing I have late payments.
Consumer complaint received 2016-11-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY (GA)

I obtained my credit report and It shows I have a debt of {$110.00}. I had a zero balance on this card and I thought the card was closed. I called to try and dispute the debt. I got in contact with XXXX ... I just wanted the information to dispute the debt. I told him that I am recording the call also and he hung up in my face. I called back and received XXXX again to dispute the file. He said that I came to them for the card and that is the reason that I ca n't record him. I asked for his XXXX and he said no. If I did n't like the rules he can forward me to the XXXX vice president and I can complain to him. I am disputing this debt and I asked him for the information in which to dispute the debt.. He hung up in my face again.
Consumer complaint received 2016-11-26
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (CA)

Medical group billed the wrong insurance on multiple occasions. Correct billing information was provided repeatedly. Spoke to multiple representatives who all confirmed they billed the wrong insurance company. Spoke to my insurance who confirmed they did not file a claim and asked them to fax it for immediate processing, which the medical group claims they can not do. Always maintained constant contact with the medical group and now received a letter from collections agency for full amount of bill and confirmed AGAIN that claim was NEVER filed with my insurance company. Sounds like fraudulent attempt to collect 100 % of cost instead of discounted cost required through insurance. Why else would they not make every attempt to bill the correct insurance company ... .even when they 've been given the option to FAX the claim in?!
Consumer complaint received 2017-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stevens Business Service, Inc. (RI)

The account is with XXXX XXXX had been sent to Steven bus collection co. Amount that was owed was {$450.00} .paid off Contacted the collection company and said it had been taken care of. This happened in 2011. Still keep showing up on my credit report thought it would be taken off by now.
Consumer complaint received 2016-06-25
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: New Century Financial Services, Inc. (NJ)

XXXX my bank account was seized by XXXX XXXX XXXX who are representing New Century Financial for a debt that I dont believe is mine. I got the courts to release the money on the XXXX asset rule and the debt was taken off of my XXXX report and marked satisfied on XXXX. At the time I thought it might be XXXX as the original creditor. A year later they have seized my bank account again and now they say the creditor is actually XXXX XXXX XXXX. I do not owe XXXX I dont even know who they are. In the meantime I can not get XXXX XXXX XXXX to prove validity of the debt. they claim it has to be mine because they were awarded a judgement that I knew nothing about. Original papers were sent to outdated address. How can I get these people to Validate this debt or at least leave my bank account alone. They have refused to help me get any information at all.
Consumer complaint received 2017-02-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital one continues to capitalize off the # of unexplained NFS charges on credit card purchases account that 's attached to checking account, capital one executive director called on XX/XX/2017 without a resolution but instead to continue causing hardship on economic resources capital one have used tactics to capitalize off members economic resources as capital one continues to delay memorandum of Transparency accuracy of accounts open and accessible to XXXX XXXX XXXX by the end of today 's closing.XX/XX/2017
Consumer complaint received 2016-05-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION (CA)

I contacted the Original Creditor, XXXX XXXX Hospital in XXXX 2016. I spoke to XXXX. He told me that according to his records all of my bills with them are paid and I have no outstanding bills. I then contacted the collection agency, Central Financial Control, and spoke to XXXX. He was unable to locate my account. I would like this removed from my credit report. I do not have any outstanding bills with XXXX and have had this verified. I do no know what this is yet it still remains on my credit. The Credit Bureaus tell me that Central Financial Control is reporting that there is in fact an outstanding bill, yet their representative is unable to locate it when we call.
Consumer complaint received 2016-06-25
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Caliber Home Loans, Inc. (FL)

THE LOAN CALCULATIONS DO NOT ADD UP AMOUNT FINANCED {$180000.00} FINANCE CHARGE {$130000.00} TOTAL PAYMENTS {$320000.00} ANNUAL PERCENTAGE RATE 4.389 % TOTAL INTEREST PERCENTAGE 59.192 % IM WRITING ON XXXX/XXXX/2016 IM SUPPOSED TO CLOSE ON XXXX/XXXX/2016 PLEASE HELP ME THANKS
Consumer complaint received 2016-12-28
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (MD)

Our XXXX County Maryland XXXX Department said that they never received information from GMAC Mortgage that our mortgage was paid off in full so that the release of lien could be recorded. We have a letter from GMAC Mortgage dated XXXX XXXX, 2001 stating that the mortgage had been paid in full & that the necessary release documentation for the property was in the process of being completed and being sent to the county XXXX office. We have not been able to contact GMAC. Until the County XXXX XXXX office receives documentation, our property will continue to show a lien against it which will continue to create problems in acquiring credit or selling our property.
Consumer complaint received 2016-11-26
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (NC)

XXXX transactions from XXXX on XXXX duplicated on XXXX. Showing twice each, once as pending as a hold, and once as cleared. This is causing my account to be in the negative. Widespread issue according to the XXXX page. Customer service phone lines are down for the second day.
Consumer complaint received 2016-05-22
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Select Portfolio Serving is in Violation of the FDCPA AND MANY OTHER FEDERAL AND STATE AND LOCAL LAWS THE CFPB HAVE THE DUTY OF INVESTIGATE UNDER S.1383- COSUMER FINANCIAL PROTECTION BUREAU ACCOUNTABILITY ACT OF 2015/ SENATE -BANKING, HOUSING AND URBAN AFFAIRS .SPS HAVE VIOLATION NOT ONLY BY REPORTING INACCURATE INFORMATION IN MY CREDIT FILE BUT TRYING TO COLLECT MONEY FROM ME A XXXX US CITIZEN WITH NO LEGAL STANDINGS, IN LAST communication FROM SPS FAIL TO TELL ME THIS IS A ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAIN WILL BE USE FOR THAT PURPOSE SPS HAVE MY CONSENT TO RECORD THE CALL IF THE CFPB OBTAINE THA LAST CALL TO VERIFY MY ALLEGATIONS
Consumer complaint received 2016-11-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (UT)

I recently paid off home loan due to re-fi. with other lender XX/XX/2016. I over paid on escrow account. I received a letter from Di tech advise of over payment and that I would receive a hard copy of refund check in mail with in 20 days. I never received this check I called DItech customer service center twice in month of XX/XX/XXXX. I was told that I would have wait 30 days to have them reissue check. I called in XX/XX/2016 advised that I still have not received over payment of escrow check. I asked for supervisor to complain was told that Ditech would reissue another check within XXXX business hours. It is now XX/XX/2016 and I still have not received this escrow refund check for over payment.
Consumer complaint received 2016-10-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

I was faithfully paying my mortgage payment from the time OCWEN Loan Servicing issued my Loan Modification approved last XXXX XXXX, 2013. No missed mortgage payments from that date. OCWEN 's practices of Debt Collections, are not serviced accordance to the financing law and practices. OCWEN forced borrowers like me pay more than my usual monthly mortgage payments. 
I am requesting to bring back my monthly mortgage payment from {$1.00}, XXXX as I usually paid. Evidence payment copies attached from OCWEN as proof bringing from {$1600.00} a month from my usual XXXX a month. 
I am asking OCWEN to credit to my principal Loan for the extra of {$480.00} from the time they loan Modified last XXXX XXXX, 2013 up to the present for extra escrow charges and adjust my mortgage payment back down accordingly. I will enclose the copy of the final Loan Modification signed and notarized. I have applied HAMP Program including my rights for Federal Housing Affordable Loan Modification and I want to seek my rights for remedies available at law such recouping the government Loan Modification benefits and incentives.
Consumer complaint received 2016-10-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

My complaint is that this company knowingly continues to provide unfavorable and harsh collection/reporting of my account to the consumer and XXXX major credit bureaus ( XXXX and XXXX Credit Reporting Agencies ) ; therefore, they are continuously violating both the Fair Debt Collection Practices Act ( FDCPA ) and The Fair Credit Reporting by misrepresenting the ( 1 ) amounts owed, ( 2 ) payment made ( 3 ) terms of account ( 4 ) fees ; thus, knowingly and purposefully reporting and providing XXXX incomplete, inaccurate, unreliable and missing information XXXX obsolete and outdated information that should no longer appear XXXX information that possibly reveal medical information XXXX incorrect notation in listing account as open when they are closed or accounts that a do not indicate " closed by me and not the creditors '' XXXX incorrect payment status XXXX more than XXXX delinquent date XXXX wrong notation for closed accounts XXXX failure to correct misrepresentation and accounts that have been remedied XXXX refused to investigate the disputes before continuing to collections.
Consumer complaint received 2016-05-23
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (WA)

I recently learned that ( XXXX ) credit card accounts with American Express were recently opened in someone else 's name with my social security number and Date of Birth this past XXXX of 2015. I also know that this was originated with a XXXX address ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX to which I have never resided. I have now lived XXXX for the past XXXX years. I have since filed a complaint now with the CFPB with the credit reporting companies and felt it is necessary to also single out the individual creditor.
Consumer complaint received 2016-05-23
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC (IL)

Transworld System Inc is the record keeper for XXXX which is a trust, not a lender like some reps at XXXX XXXX XXXX claim ( XXXX ). I need all of the negative marks removed due to misinformation that XXXX gives. There are multiple complaints against XXXX due to misinformation given, there are over a hundred online as of today. Per XXXX state law, XXXX ca n't force auto debit down my throat, I have told them several times that I will never do that with them. Also per XXXX is considered to be a XXXX debt buyer which means they have to adhere to FDCPA and FCRA. XXXX is a XXXX trust that sells debt into investment vehicles and has to prove whether or not they still have the loans. I have not received any proof of this which I asked for several times. Transworld has send some of the debt to a collection agency, but it is illegal to collect on a debt without showing me where it is currently per an attorney I spoke with. XXXX is a fraud they have received several XXXX and XXXX complaints against them which Transworld is aware of. My credit is trashed due to XXXX and their lies. Transworld outsources to other firms to do their work, the way their system is set up is so confusing. On my credit report, it shows that XXXX is a credit grantor which is a lie. XXXX is a trust and XXXX is a servicer. Per the FDCPA and FCRA, all of the information given to the credit bureaus must be accurate. I want all of the negatives plus the loans removed from my credit, I have told XXXX that I am not interested in doing auto debit with them. I even sent them a letter along with the forms saying to stop sending that information to me. I just found that XXXX of the loans was sent to a collections law form even though I was told by XXXX XXXX that he would hold the loans. Transworld is well aware of the complaints because they can go online to find them. My credit is ruined because of the way Transworld does business and they are in the business of confusing people, I can be sued over this debt even though XXXX refused to give me all of the required information, they only sent a promissory note but no information showing anything about XXXX. Also, whenever XXXX send out any letters it only states XXXX on the letterhead and XXXX XXXX XXXX for the name of the loan, again no mention of XXXX which is required for all paperwork. XXXX is a sham based on the complaints I read against them plus they use scare tactics such as wage garnishment, in order for any company to garnish my wages against me on a private loan ; they have an active judgement against me in the state XXXX. My federal loans were in current status, therefore the scare tactics are illegal.
Consumer complaint received 2016-11-23
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a had care visa card with bank of america. There was an expense for {$940.00} on XXXX/XXXX/XXXX for a dental charge. I mailed in a copy of the receipt to Bank of America. On XXXX/XXXX/XXXX, I received a letter from Bank of America claiming that they never received my letter which was due on XXXX/XXXX/XXXX and that they are now going to report the amount on a XXXX XXXX form. I indicated that I was not aware that they had not received it and would provide another copy and they indicated that since the deadline had passed there is nothing they can do.
Consumer complaint received 2016-11-28
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

While employed at Bank of America, I made contributions to a Health Savings Account ( HSA ) during XXXX. I was fired from Bank of America on XX/XX/XXXX. 
On XX/XX/XXXX I logged on to the Health Benefit Solutions website ( https : //benefitsolutions.bankofamerica.com ) and saw that my HSA account has been charged a " maintenance fee '' of {$4.00} per month, beginning on XX/XX/XXXX. 

I called Bank of America Health Benefit Solutions, where a representative told me that my HSA status migrated from " Group '' to " Individual '' when I was fired, and as an " Individual '' I was subject to this {$4.00} per month " maintenance fee ''. This fee supposedly covers expenses for Visa debit card transactions and the mobile app. When I asked to speak with a Supervisor ( XXXX, Agent ID XXXX ), I explained to her that I was never notified of this fee. Moreover, my account has not been " active '' in terms of generating new transactions, so I see no valid explanation for a maintenance fee over this time frame. XXXX said she was unable to waive the fee unless I had a private wealth management account with Merrill Lynch.