davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-21
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Vinson Mortgage Services, Inc. (MO)

Vinson Mortgage charged {$9900.00} to refinance and consolidate our mortgage by explaining how the refunded escrow and skipped payments would offset these fees. They GROSSLY exaggerated these benefits. They had us sign blank and undated forms. They had us sign that we received info that we did not receive. We were told to sign but NOT date forms. We were sent forms with missing pages. We were consistently mislead and given inaccurate information and false information from XXXX. 
We were told to SKIP the XXXX payment for our mortgage, but that was erroneous info that COST us $ XXXX/day for the 15 days XXXX kept telling me not to worry or not to pay because the payoff amount was already issued. We were told that the escrow amount in our current mortgage would be refunded to us in an amount of around {$2000.00} when the actual amount was less than half of that. XXXX had a habit of responding to written questions via phone conversations or in person talks. He actively evaded providing written, texted, or emailed information that could be used as supporting documentation ( which raises suspicions about his ethics ).
Consumer complaint received 2016-05-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Municipal Collections Services, Inc. (IL)

I spoke to a debt collection agency today. A collection showed up on my credit report that negatively impacted my credit score. Municipal Collection Services , Inc. ( MCSI ) recently called my parents, and today, I was returning the call. 

MCSI claims that I owe {$250.00} for a ticket in XXXX, IL for not having a light on my license plate. I did indeed receive a ticket claiming that I did not have a light on my plate, but I contested and appealed it showing proof that I did. 

I am a reasonable person ; I recognize that the collection agency is just trying to turn a profit on this. I would not go so far as to claim serious corruption to charge me with this. However, it is evident that, at the very least, there has been a lack of due diligence on the part of the police department and collection agency because I do not owe any debt for either of them to collect upon. I assume this is all a mistake, but the MCSI representative that I spoke with was unwilling to listen to reason. I will not be bullied or threatened with bad credit into paying a baseless charge.
Consumer complaint received 2016-12-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

CAPITAL ONE BANK USA ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CAPITAL ONE BANK USA or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CAPITAL ONE BANK USA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, SC XXXX
Consumer complaint received 2016-06-19
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (TX)

Someone stole my identity and file federal income taxes and open credit cards and loans. I am unable to get a copy of my equifax report because the information they have on file and what I 'm reporting is not the same. I received my taxes after a year of proving myself to the IRS. Now I 'm trying to obtain a mortgage it 's showing up that I already have one which is false.
Consumer complaint received 2016-09-03
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (NC)

i have a visa debt card by wells fargo it was charged by clever bridge for panda sucurity.this is a new card i didnt give this new card number to no merchant to renew any product but yet they charged my account why? i gave no perrmission nor my card number so are you me? to give out my number and charge when you want?
Consumer complaint received 2016-12-06
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (CO)

Approximately 18 months ago, my wife and I returned a vehicle to Ally Financial ( " Ally '' ) at the end of the lease term. The vehicle, a XXXX XXXX XXXX, was found to have a few minor dings, for which Ally charged us roughly {$1100.00} for the alleged cost of the repair. I contacted Ally and protested what I believed ( and still believe ) to be an extreme overcharge for such minor damage. After much back and forth, Ally agreed to reduce the amount owed to roughly {$700.00}, which I paid in XXXX XXXX. I subsequently received a letter from Ally stating that my account had a XXXX balance and that my " account with Ally has been settled and you are released from any and all obligations. '' Although it was never explained to me that me negotiating down the balance due on my account was a " settlement '' for purposes of credit reporting, Ally is now reporting this lease to the credit reporting agencies as having been settled for less than the full amount due. In hindsight, this was a clear strategy employed by Ally to deceive me with the intent of ultimately forcing me to pay the original account balance in order for them to stop reporting the lease as having been settled. It was ( and is ) clear to me that my negotiation with Ally reduced the balance due, which I paid in full ( and have a letter from them substantiating the XXXX balance ). Using these sorts of tactics, Ally could in theory charge a customer any amount they wanted to for any sort of fee and report a " settlement '' to the credit reporting agencies for anything paid that was less than the amount demanded.
Consumer complaint received 2016-06-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc. (FL)

CONVERGENT OUTSOURCING XXXX Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name This debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify any company associate with this account and tell them the debt is the result of identity theft. 
I have enclosed a copy of the Federal Trade Commission 's Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform any company associate with this account CONVERGENT OUTSOURCING ACC XXXX that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
XXXX XXXX XXXX XXXX XXXX/XXXX/1972 XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2016-07-22
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Radius Global Solutions LLC (FL)

I get a medical bills on my credit report who was send to collection without my knowledge. Now I received some treated calls all the time with some harassment and legal action going to be take about me. I want all this stress to stop immediately. They even calls my cellphone during working hours.
Consumer complaint received 2016-12-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (CA)

I made a payment to XXXX of my store cards while speaking with a representative. She confirmed the payment and said that it successfully posted only to learn a month later, she 'd transposed a number. The payment never posted and I never got any notification. Her error resulted in them closing my account. The company acknowledged the mistake, promised to research and fix the problem but never did. Months after, I made a autodraft payment arrangement to clear the debt. Only XXXX payment posted and now the debt has been sold to a collection agency with additional fees on the debt.
Consumer complaint received 2016-08-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CA)

I have loans with AES and last year they purchased another private loan of mine from XXXX. After purchasing the loan from XXXX they are consistently applying payments from my original loans with AES to the loan they purchased from XXXX. This seems illegal if I made an agreement with XXXX XXXX and a separate agreement with AES the handling of payments should be kept separate, but this is not the case.
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The CRA ( XXXX ) is giving out my information to companies who I no longer have a financial relationship with such as XXXX Bank. In the past 2 years that have given out my credit history to agencies I am not familiar with and as a result my credit score is very low. The hard inquiries by lending institutions sink your score. I have not authorized my credit to be checked by these entities. It needs to stop being a practice at Trans union.
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Over 90 days ago I wrote Transunion and demanded proof of the negative items that are on my credit report. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court.. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification.
Consumer complaint received 2016-06-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX I electronically filed an investigation on XXXX XXXX XXXX accounts : 1 ) # XXXX, opened XX/XX/XXXX and closed XX/XX/XXXX, most owed {$170000.00} and 2 ) # XXXX, opened XX/XX/XXXX and closed XX/XX/XXXX. I asked it to be removed from my credit reports based on the Independent Foreclosure review performed by the Office of the Comptroller. Per this review, the Office of the Comptroller concluded that XXXX XXXX XXXX practiced " deficient mortgage servicing and foreclosure processes. '' As due diligence does not appear to have been performed by any of the CRAs on this matter, I am asking that these items be removed from my credit report immediately and a rapid re-score be performed. 
Also, I am seeking damages as this derogatory information based on " deficient mortgage servicing and foreclosure processes. '' caused me to be denied employment.
Consumer complaint received 2016-04-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (UT)

I am desperately trying for a loan modification. I submit all of my financial information, along with paperwork to show my home is worth {$140000.00} MAX, I would be lucky if I got that. My mortgage company keeps denying me for a loan modification stating they can not create an affordable payment for me because, according to their ELECTRONIC valuation ( not even a real appraisal ) that they think my house is worth {$230000.00} according to their last denial letter in XXXX, the AVM value was XXXX. I wish! I live in an old home ( built in 1942 ), it is only XXXX sq feet and located in a very rural area ; in AVERAGE/FAIR condition. If I could get that much money on it I would sell it. I tried telling them this information and sending documentation but nobody will listen. My house is worth no more than {$140000.00} and MAYBE {$150000.00} and that is on the higher end. I have attached my written authorization to direct all further correspondence on this matter to XXXX, XXXX and XXXX at XXXX XXXX ; I have also attached records of my house and notice of valuation from our county assessor.
Consumer complaint received 2016-09-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Item # XXXX - I was provided information by a Transunion alert that an unknown collection agency, Online in XXXX, was reporting an unknown debt for {$58.00}. In researching the line it shows that the creditor, XXXX XXXX XXXX, provided the collection in error. In fact, a check for {$87.00} was received from XXXX XXXX XXXX XX/XX/2016 for the error. The matter was closed and no balance was due. 
Item # XXXX - Transunion continues to provide accurate information in regards to a medical creditor from XXXX XXXX, NV, XXXX XXXX, XXXX. This collection agency was instructed by XXXX to stop collections and erroneous activities of this item line reported on my personal credit report. 
Transunion continues to provide this inaccurate information on my reports which has resulted in loss and harm.
Consumer complaint received 2016-09-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I have a home loan that is serviced by Ocwen. There is a large descrepancy between the loan balance reported by Ocwen, and what the amortization schedule indicates it should be. I complained a couple of years ago by way of a phone call to Ocwen. They could not explain the large descrepancy. I emailed an inquiry to Ocwen a couple of weeks ago. They still have not explained the error, but they did get back to me about 10 days after I sent the email request. They claimed my initial request to not include enough information, which I do n't believe is true. I called the phone number the provided me with, and I provided Ocwen with requested account details. A weird thing that happened after my email request, concerning the large descrepancy between Ocwen 's reported balance the amortization schedule 's stated balance. The amortization schedule was removed from the Ocwen website. I do n't trust Ocwen.
Consumer complaint received 2016-09-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I have applied for a loan modification with Bank of America for the mortgage on my home. Bank of America is currently charging me a 9.5 % interest rate and has charged a very high, predatory rate on my loan for years. I have applied for loan modification assistance several times over the years only to be told repeatedly that my paperwork was not received when I had in fact mailed in the paperwork repeatedly in an attempt to complete the process, only to find out, I was just being given the run around.No matter how many times I completed the paperwork ( at least 10 ) and the hours I spent on the phone, they never completed the process but gave excuses to put me on a chase instead. 
I recently mailed all documents again for loan modification and they responded with a statement saying I do n't qualify because my gross monthly income is too low. The amount they have listed as my gross monthly income is incorrect despite numerous documents Ive sent documenting my income. 
Their indicating that based on my income, I ca n't afford a lower payment but allow me to continue a loan with their company at a higher payment, which to any reasonable person makes absolutely no sense. 
This is just another attempt at a stall tactic to take advantage of a customer, by stating incorrect financial information so they can justify not granting me a modification and keep me at a very high, predatory rate. No matter how often or how many times I send in information and follow the steps, they come up with in an invalid excuse not to help ; this time it is incorrect income information that does n't match the income information I sent in. They simply do n't want to modify the loan but would rather continue their predatory lending practices and take advantage of consumers.
Consumer complaint received 2017-03-22
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I have sent two separate letters to ask for verification of a debt. The collection company a letter stating they have acquired and now owns the account. I do n't have a contract with this company and its not my debt. I have asked for a copy of the credit card application with signature and still I have not received nothing from them. I sent them a letter in XX/XX/XXXX. They refuse to remove this from my credit files.
Consumer complaint received 2016-06-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Galaxy Capital Acquisitions, LLC (IL)

I paid the account XXXX XXXX, XXXX. I talked to the person on the phone and they said it would take 24 hours to clear and for them to make the change from collection to paid and closed. I got a status update that it was changed from collections to paid and closed. In XXXX I got a 90 day late alert for that same account. I tried to have it fix with a series of Good-Will letters with the company and dispute with the credit agencies of the errors on the delinquencies being reported wrongfully. It comes back verified but nothing was changed. I filed a CFPB complaint XXXX XXXX and then on the XXXX of XXXX I got a letter that said that the account is now being serviced by Galaxy International Purchasing LLC. When I contacted them today they said they own the account as of XXXX XXXX XXXX. I have not received any letters prior to this first letter, they have dated XXXX XXXX, XXXX. I called XXXX XXXX because Galaxy told me to call XXXX XXXX. I was talking to a gentleman named XXXX and asked him about the 90 day late as of XXXX XXXX. He said that they have got the good will adjustment letter. That is why they updated my account with the 90 day late. When I talked to XXXX about the 90 day late he could not make an adjustment even if there was something wrong, he said I need to dispute it and I told him that I already did and it would come back verified. Than all he said was " sorry, there is nothing else I can do ''.
Consumer complaint received 2016-07-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P. (FL)

I received some phone calls from collection agency asking to paid for a bills I do not own. I returned my equipment to XXXX when I closed my account and I do n't understand why I get Harassment calls and treated from collection agency all the time even on my cellphone. I do n't own anything to XXXX.
Consumer complaint received 2016-09-06
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC. (CT)

A debit card dispute was made on or around XXXX with Suntrust for a transaction in the amount of XXXX XXXX XXXX. As explained to XXXX, the online chat rep who took the dispute information, XXXX items were ordered and only XXXX arrived. The item that arrived is incorrect and was returned, tracking information was provided and again here, XXXX. The package was delivered on XXXX and Suntrust should know this as number was provided to track. The phone rep I spoke with today said case is still pending, however, I received a form today requesting information already provided to XXXX via live chat and was just detailed above. The rep was also advised XXXX did credit XXXX item, still waiting on credit for second item returned, no mention of needing any additional information. I do not know why I was sent form requesting same info which was already provided. I was charged XXXX overdraft fees relating to this charge, I was told both would be credited back upon outcome of case, however, they seem to request same information which was provided to XXXX and here.