davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Protection Association, L.P. (AL)

Follow up to CFPB No.XXXX Corporate called to state that the investigation was complete and that a corrected bill would be submitted. Consumer never received that bill. Consumer called XXXX around or about XXXX XXXX, XXXX to inquire about the bill and was told that it would be issued XX/XX/XXXX. XXXX received a notice on XXXX XXXX, XXXX that there was a {$0.00} balance and that no payment was due. However, today, XXXX XXXX, XXXX, consumer received a collection notice from Credit Protection Association L.P. dated XXXX XXXX, XXXX that the bill was in collection. XXXX created the problem by continuing to bill consumer even though service should have been disconnected on XXXX XXXX, XXXX, when consumer returned the cable equipment. XXXX did not give consumer enough time to respond to the corrected bill.
Consumer complaint received 2016-03-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (AZ)

Experian is absolutely refusing to do a proper investigation of these XXXX accounts. 
XXXX XXXX XXXX - XXXX and XXXX XXXX XXXX. Neither XXXX of these accounts have been updated by the original creditor, which means they never contacted them. The dates for the first delinquency is in question and the high balances are not correct.
Consumer complaint received 2016-03-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Professional Placement Services, LLC (MN)

Please review previous Consumer Financial Protection Bureau Case Number # : XXXX. I want Professional Placement Services to close the account, XXXX out the balance, have the account removed from my XXXX credit report, and not sell or transfer the account back to XXXX XXXX Bank or another debt collection agency, which in turn is going to contact and harass me for the same debt I do n't owe. I am a victim of identity theft and the debt is a result of identity theft.
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NH)

My grandmother is a cosigner for my student loans through Navient, which was bought from XXXX. Navient/XXXX led my grandmother to believe that she would be taken off my student loans as a co-signer due to my XXXX which accrued after signing for these loans. We have a copy of a letter dated XX/XX/2013 sent from XXXX on the procedure of how to be removed from the student loans. 

She received a letter dated XX/XX/2013 stating that she was not eligible to be taken off the student loans because she was a CO-SIGNER. When she spoke with XXXX/Navient in XX/XX/2013 to see what they could do for her situation, Navient told her they were not discussing the loan with her, even though she is the CO-SIGNER. 

She filed bankruptcy in XX/XX/2013 due to financial hardship and discussed this with XXXX/Navient representative in XX/XX/2013. Having these loans is a big financial hardship for her. Additionally, she accrued extra medical expenses to have the doctor fill the form out that XXXX/Navient requested. If requested, we have the Attending Physician 's statement. 

This is causing her a lot of XXXX between family. We have done all that was requested of us to satisfy XXXX/Navient, She should not be punished because they decided to change their policies midstream which it took XXXX/Navient 4 months after I sent in the paperwork to send me a denial. She was told she could be removed back in XXXX and she expects that to happen. When did these policies change before or after my submission of documents? I hope you can help me attain that goal. Please let me know if you need any additional documentation.
Consumer complaint received 2016-03-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (MN)

I am steady receiving harassing, threatening and abusive telephone calls and death threats from U.S. Bank debt collectors for a debt and checking accounts that was opened up in my name, illegally and fraudulently. I have never applied or opened a checking account with U.S. Bank. I am a victim of identity theft.
Consumer complaint received 2016-03-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion re- inserted a previously deleted unknown public record account on my credit. I am not sure where they get their information from but my file with this bureaus contains false and misleading information. BK Reference Number XXXX need to be removed.
Consumer complaint received 2016-03-04
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Collection Technology Incorporated (LA)

I work for free - XXXX. CTi contacted this XXXX XXXX that I XXXX for with an Employment Verification FAX. Using a fake name. XXXX XXXX. The XXXX sent me the form and I have all the info on them. They could have tarnished my name, my daughter 's well being ( XXXX. ) Please tell me this is wrong?! 


Collection Technology Inc C T I XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Contract Dispute Law Firm Solutions To Your Dispute Needs. Call To Learn About Your Options. 

XXXX Collection Technology Inc A privately held company in XXXX XXXX, CA. Is this your business? Claim This Profile More Details for Collection Technology Inc Categorized under Adjustment and Collection Services. Our records show it was established in 1960 and incorporated in California. Current estimates show this company has an annual revenue of XXXX and employs a staff of approximately XXXX. 

Company Contacts XXXX XXXX XXXX Chief Executive Officer
Consumer complaint received 2016-03-05
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (MI)

The issues is with Discover Card. My phone company, XXXX XXXX went out of business for serving customers in the state of Michigan. Discover Card charged XXXX times, XXXX we disputed, and XXXX new charges in XXXX. So Discover charged 14 monthly payments, and keep arguing they have given in all the credits for disputed charge. They have not followed up on phone calls, complaints, investigations, the Discover Card agents agree we are due 5 months credits, but then after we get off the phone nothing happens.
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NY)

I have previously submitted a certified letter on XXXX XXXX 2016 and XXXX XXXX 2016 which was received and signed for requesting that a dispute be initiated for a XXXX XXXX XXXX account which is reporting inaccurate information on my Credit Report. After the dispute process this account was verified as " account belongs to you " XXXX XXXX Account # XXXX account is still reporting information which is inaccurate. 
1. XXXX Displays no account information prior to XXXX, however this account states open since XXXX. 
2. XXXX has a scheduled payment amount of {$770.00} per month and the account states {$770.00} owed total. And XXXX charged off. 
3. The Date of the last payment is XXXX and the Date of the first Delinquency is XXXX. 
4. Report does not List any XXXX delinquencies however account states charge off. The reporting of this account is inaccurate and incomplete.
Consumer complaint received 2016-03-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Weltman, Weinberg & Reis Co., L.P.A. (OH)

XXXX/XXXX/XXXX, recieved summons in Civil Court stating, I owed XXXX dollars plus interest from XXXX XXXX, Weinberg, Weltman and Reis CO..LPA by XXXX XXXX XXXX XXXX XXXX. Copy of the complaint had wrong address on it. I called and spoke with XXXX XXXX/XXXX/XXXX @ WEinberg, Weltman and Reis, Explained that this was not my address and that I had never lived in XXXX Va and that I had never taken a card out with XXXX XXXX XXXX, ever. He stated that they reseached and it came back to me and my address. I told him this was not me and this had to be someone else, Identity theft.He stated it was me and that he would send the information. Giving me case number XXXX and phone # XXXX. 
I pulled my credit report, XXXX/XXXX/XXXX, wrong addresses, diviation of ss #, and entries from XXXX ( debt buyer ), XXXX XXXX Bank, XXXX/XXXX/XXXX I called Experian and disputed the inaccuarate info. I called credit XXXX bank and spoke with XXXX who could not find and info at all.. 
XXXX/XXXX/XXXX XXXX, XXXX and XXXX asking for XXXX, giving my #. XXXX stated that XXXX was not in, she could help me, I told her I had not recieved any forms and she stated this debt originated from XXXX. I told her I had never heard of them as well as I had contacted Excperian and this was Identity theft. 
XX/XX/XXXXI contacted XXXX At XXXX he stated I did owe the debt, tht i had made a payment of XXXX dollars, I asked when he could not tell me he told me to call WW & R, I did spoke with XXXX XXXX he again sending packet, I again stated Identity Theft. 
I sent answer to XXXX County Court ( Date XX/XX/XXXX ) I filed police report XXXX/XXXX/XXXX, as well as Identity Theft Notification form XXXX XXXX, as well as Identitiy Theft Victim 's complaint and Affidavit. I also as instructed sent disputed account-notice to furnishers to XXXX, XXXX XXXX Bank and WW & R enclose ID Theft Affidavit, proof of ID ... .... 
Only one I Have heard back from is XXXX XXXX XXXX stating I am not responsible for any previous or further balance occured on this account ... XXXX
Consumer complaint received 2017-01-26
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CCS Financial Services, Inc. (MD)

This complaint is more of a good faith issue to remove harmful derogatory from my credit file. I have repeatedly as the collection agency to remove the harmful because the debt has been paid. I then called them and asked for the removal. The company was so negative and refused to help. This would help with the purchase of a new home if this collection agency can be removed.
Consumer complaint received 2016-03-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NH)

My previous dispute of a XXXX XXXX XXXX account stated that my first default was in XXXX. The credit bureaus did their best obtaining information from the creditor, but not the creditor shows the first late XXXX XXXX. As we are now in the 7-year rule timeline I will accept the reading on my credit reports. AS the law stipulates with the Fair Credit Reporting Act, the legal timeline as to the presence of the account has passed. The account must be deleted immediately, and my file information must be purged permanently.
Consumer complaint received 2016-03-04
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Rubin & Rothman, LLC (NY)

in 2005 i bough a ford focus but i return the vehicle because it was defective the car could not start the tow truck came and pick it up i did not get it back 6 years later i was contacted a debit collector Rubin & Rothman they call me several time on the phone and send letter in the mail i keep telling them i do't have a contract and i do n't owe any money i have a XXXX balance i have contact ford XXXX and the account is close but Rubin & Rothman keep calling and sending letter in mail they take away both of my account saving and checking value {$6000.00} that 's more than the car cost
Consumer complaint received 2017-03-24
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: ROC Asset Solutions, LLC (TX)

API calls themselves a " Mediation Firm. '' This is a euphemism for a debt collector. They have called my number ( above ) numerous times during work hours. Thirty minutes ago, they left a message with my employer. Twice within the last 48 hours, they called my mother in Florida. Several of the voice mails for me reference that " I have a decision to make '' after stating the license and make of my vehicles. The lady with whom I spoke on the phone a few moments ago was incredibly rude after I asked her company to provide me a " validation of debt letter. '' She said they emailed one. They did a few weeks ago. I requested, per law, that her company send it through the US mail. She replied, " What, now you 're an expert on Fair Trade Law! You 're a professional debtor! '' Then she hung up. The case number in reference is XXXX. Before I got mad on the phone, I asked if we could be congenial since there are Fair Trade Practices for debt collectors, or as she calls them " mediation firms. '' She remained ugly on the phone. As stated, they have called me multiple times and left threatening messages ; they have called family members multiple times. Enough phone harassment.
Consumer complaint received 2016-03-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

The XXXX XXXX account was disputed, and Trans Union shows a cut off deletion date of XXXX XXXX. Trans Union shows a cut off deletion date of XXXX XXXX. The account went into default in XXXX, and XXXX XXXX extended the 7-year rule timeline illegally. The Federal Trade Commission has in the past fined XXXX XXXX for timeline re-aging issues, and this account is no different. Accordingly, I believe Trans Union did a poor job in its reinvestigation, and that they should remove the item immediately and permanently. Attached is the necessary documentation required to stipulate my position that the 7-year rule applies.
Consumer complaint received 2016-03-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I WAS A VICTIM OF XXXX XX/XX/XXXX PRE DATORY LENDING, MY ORIGINAL LOAN FROM XXXX WAS TRANSFERED TO XXXX XXXX XXXX AND NOW NATIONSTAR MORTGAGE LOAN NUMBER XXXX ADDRESS XXXX TEXAS.TEL. NO. ( XXXX ) XXXX EXT XXXX XXXX XXXX XXXX IS SUPPOSE TO HELP ME, INSTEAD I GOT FORCLOSE AND SOLD MY HOME TRUSTEE SALE ON XX/XX/XXXX.IT SEEMS TO ME THAT PRESIDENT OBAMA 'S EXECUTIVE ORDER XXXX " ESTABLISHMENT OF THE FINANCIAL FRAUD ENFORCEMENT TASK FORCE ' WAS IGNORED BY NATIONSTAR EXPLICITLY ACKNOWLEDGE THE EXISTENCE OF SIGNIFICANT FINANCIAL CRIMES AND OTHER VIOLATIONS. IN XX/XX/XXXX.XXXX SETTLED BUT THIS IS NOT HAPPENING TO ME. 
NOW I AM FACING EVICTION BY THIS COMPANY XXXX XXXX XXXX XXXX. ADDRESS XXXX, CALIFORNIA XXXX TEL. NO ( XXXX ) XXXX, MANAGER NAME IS XXXX XXXX .I HAVE BEEN HARRASSED AND PERSON KEEP COMING TO THE HOUSE ASKING ME WHEN TO LEAVE. '' I NEED HELP '' ANOTHER AGENT NAME XXXX XXXX, FINDING SOLUTION CAME TEL. NO ( XXXX ) XXXX OR ( XXXX ) XXXX.I WAS REALLY SCARED.
Consumer complaint received 2016-03-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Ocwen has notified me that my mortgage payment is going up due to a shortage in my impound account, HOWEVER, they will not tell me how the shortage occurred. They sent me ( twice ) a yearly statement that showed them starting with a shortage but what they collected versus what they paid would have left them with a nice reserve. I sent a Certified letter to XXXX XXXX, XXXX of XXXX and was completely ignored. What I pay each year is in excess of what they pay out ; they should be able to show me where they went wrong in creating this possible shortage. In phoning them, I have spoken to other XXXX where the contacts have no idea of why there is a shortage, they say someone will contact me ( they do n't ) and then say they will transfer me but disconnect me, all while I can barely understand them with their heavy accents. They continue to send me statements with the higher payments and with no reason or explanation. This is a HAMP loan and from the start has had a surplus in the Impound account ; WHAT HAPPENED TO IT???? I 've checked my taxes and insurance and I still have a surplus due to small increases in my payment when these changed. There condescending attitude is ridiculous!
Consumer complaint received 2016-03-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (MA)

Hello, I have gone through this process already with a complaint filed on XXXX/XXXX/XXXX. They responded and I am STILL waiting for them to get back to me .... 

Here is original complaint. 

We fell behind 3 payments to US Bank XX/XX/XXXX shortly after having a baby. It was then suggested that we apply for the " loss mitigation '' program to make a payment plan. It has been 18 months with us falling further and further behind and we are not allowed to make any payments even though we could have started paying months ago. They ask for the same paperwork over and over since by the time they send it to the " processor '' it 's expired. They just told me I need to fill out everything again for the 3rd time and I feel like this is illegal. I just want to pay the mortgage.
Consumer complaint received 2016-03-03
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (GA)

I call Home Depot credit services and requested a block be placed on my account so charges could not be made. I also had a password placed on the account at their suggestion. Over {$1600.00} in charges were made on the account after the block was put on. I was told that unless I was willing to prosecute fraud charges that I would be responsible to pay. I called for investigation and explained what happened but I was not willing to file charges. I did pay off the balance in order to protect my credit and avoid further stress to myself. I am XXXX XXXX XXXX and feel like they did not live up to their commitment to me. Account -- XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (CA)

Dear Chase I appreciate your letter Dated XXXX XXXX, XXXX. 

Chase its been over two years of research on my own Chase after many questions, research, and more questions we agree on a few findings and discovery. 
Chase as stated in your letter you have responded with letters from XXXX to present. 
Chase each of my letters and request are connected by property however different questions and or new information and discovery. 
Chase you stated if I have new research, and or discovery to provide for review - what I continue to provide. 
New Information was provided- Notary XXXX XXXX Chase the information provided regarding notary XXXX XXXX was provided as requested for errors and omissions. 
The certified no record of TDUS in XXXX XXXX notary journal- discovery within the last year. 
Chase last letter advised me to contact WaMu bankruptcy attorney - I contacted attorneys in XXXX XXXX. 
Discovery as of XXXX XXXX - WaMu bankruptcy attorney confirmed no knowledge or disclosure of recession from XX/XX/XXXX.- requested a copy, I provided XXXX XXXX. 
I believe request by Chase to provide detailed documents have been met. 
Chase has stated in a few letters XXXX XXXX XXXX handled file until last quarter of XXXX. 
Chase what do you do in a case of so many confirmed errors? 
Chase when you discovery this type of negligence by third party XXXX XXXX XXXX - what is the process to address the errors?
Consumer complaint received 2016-03-05
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC. (MD)

I had a credit card that I disputed within the first 30 days. While in dispute, my file was sold to Midland Credit Management. I immediately filed my dispute with them. I assumed we were still in the dispute process when I was served with papers. I immediately contacted the number listed on my summons. I have tried to work things out with them but they never return my calls no send me documents I need to move forward. I feel that my legal right to dispute the validity of the debt has been violated and ignored.
Consumer complaint received 2016-03-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (GA)

on case # XXXX, i received the modification of promissory note & the payments are not correct. I have attach a copy of the recast agreement that I signed in XXXX. It clearly state with the recast my mortgage payment and estimated monthly escrow payment of XXXX ( which is still effective ) that the total monthly payment is XXXX and without recast the total monthly payment is XXXX. I have been requesting the recast payment since XXXX and Ocwen still has not gotten it right. This modification is without the recast. I WANT THE RECAST PAYMENT.
Consumer complaint received 2016-03-03
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (VA)

I made a purchase from a door to door salesman on XXXX XXXX, 2015. I contacted the Merchant ( XXXX XXXX XXXX ) on XXXX XXXX and XXXX XXXX, 2015 to cancel the sale and request they come and retrieve their merchandise. Per the FTC " cooling off period '' rule, I am allowed to cancel any sale made in my home for any reason without the merchants ' consent. XXXX I paid for the transaction using my Sears MasterCard issued by Citibank Retail Services ( CRS ). I disputed the charge with Citibank and cited that I had canceled the transaction per my rights as noted by the FTC rules. CRS did initially provide me with a temporary credit for the disputed amount. However, one month later they sent me a letter reversing the charge, stating that the merchant MUST agree to the cancellation. I sent follow up documentation citing again the FTC rule as well as the correspondence between the merchant and me and they again told me the merchant must agree in order for them to cancel the sale.