davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-26
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Bayside Capital Services, LLC (VA)

This complaint is a follow up from my complaint submitted yesterday, ( XXXX ) please add the additional details, after leaving a message again for XXXX XXXX ( XXXX ) he called back leaving another message identifying himself as the general manager for a company called Bayside Capitol Services number he called from unrestricted XXXX, I have no idea who this company is or who they work for, they have misrepresented themselves as being XXXX XXXX XXXX to XXXX XXXX XXXX, verbal threats about coming to my place of employment and to make sure my supervisor is on hand to my home, this company has repeatedly harassed me by phone and now using my work phone, I believe this is the same company or group of people that reached out to my ex husband a few months back making statements that I would be arrested and go to jail and I needed to be found. I had someone call the number back yesterday, again this company does not identify themselves when answering the phone, only that they are with the filing department, all of them employed speak a good line and are intimidating, if you did n't know fair debt collection practices you would fall into the trap, Ive been guilty of this myself, this occurred to me XX/XX/XXXX see my previous comments, these people are nasty!!
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I entered into a repayment plan with The XXXX XXXX XXXX XXXX for loan repayment. As promised by the XXXX XXXX XXXX XXXX if I paid on time and completed the rehabilitation program they would once completed restore my loans to current and remove all late or defaulted and negative marks. This has not happened! XXXX XXXX XXXX XXXX has not removed the negative remarks from my credit file from notvone of the XXXX credit agencies as terms of the XXXX XXXX program. I paid every month on time as agreed.
Consumer complaint received 2017-03-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I have filed bankruptcy that was discharged in XX/XX/XXXX. I am behind on my mortgage, and trying to catch up with payments. I called them on XX/XX/XXXX to make a phone payment, and was told that the mortgage was referred to a lawyer for foreclosure. According to customer service, it was referred on XX/XX/XXXX. Almost a month later, and i have received nothing from them indicating it was referred to a lawyer for foreclosure. Since filing bankruptcy, I am not legally financially responsible to pay the mortgage. I called to make a payment because I am still living in the house. They would n't let me make a payment because of the lawyer referral. They said that they could only let me make a payment if it is for the entire amount due. I asked the man on the phone what that amount is. He said around {$13000.00}. He was n't sure of the amount. If I would n't have called them, I would not even know that the house is soon going into foreclosure. My complaint is that they did n't notify me that the referral was made. I would have called sooner to make a payment. When I called last week, I was going to make three payments. They wo n't let me. There is no way that I can make a {$13000.00} payment at one time. I am assuming that since they ca n't legally make me pay the mortgage, that is why I have n't gotten anything from any lawyers, or courts, but I still should have gotten notified by the mortgage company. They have also raised my mortgage payment to over {$1900.00} per month. They are trying to force me out of the house. I have lived here for XXXX, and am now divorced. I have no where else to go at this time, as my ex-husband ruined my credit, and due to issues with my marriage, I had to file bankruptcy. I guess I 'll have to live in my car. This mortgage company continues to claim to help people, but they have n't done anything for me. It is not fair if this house goes to sheriff sale, and I was n't even aware of what was happening. Contrary to what they will say, I DID NOT receive any letter from them about going into foreclosure.
Consumer complaint received 2017-03-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I was recently approved for a credit card with Pentagon Federal Credit Union. In order to take advantage of the 2 % the card offers members are required to either be in the military service or open a checking account. I was informed by one of their agents that since it has been less than 90 days since they reviewed my credit they would not need to obtain a new report in order to open the checking account. I applied on XX/XX/2017 and they pulled a credit bureau.
Consumer complaint received 2017-03-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

On XXXX XXXX, 2016 I sent a letter to Account Resolution Services asking for this company to verify the debt that is said I owe {$1200.00}. I received a letter stating that the balance was confirmed, but I received no validation requested. I have already contacted all XXXX credit bureaus concerning this issue.. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Requests made to this company were to : Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Account Resolution Services failed to comply.
Consumer complaint received 2016-10-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (MI)

My complaint pertains to a discrepancy between the Equifax score reported to me and the Equifax score reported to my mortgage lender. The lender received a score almost XXXX points lower than the one I got. The same credit concerns were identified on XXXX reports, and they were produced within days of XXXX another, so there was nothing to explain why the scores were different. The effect of this is that I do not qualify for the lowest mortgage rate on a house I am purchasing. On an Equifax blog I found a string of complaints from other customers who have encountered the same problem XXXX This tells me I am not alone, but is little solace because it only suggests that the problem is pervasive and ongoing. The crux of the problem is that the score I received from Equifax is essentially meaningless -- not a true guide to how prospective lenders will view my credit. I sent a complaint to Equifax and they provided an explanation -- that lenders in different industries may use different scoring models. This does not address my concern, but merely illustrates it : what Equifax tells me about my credit is not what they tell lenders. The fact that I had paid for access to the full report only rubs salt in the wound. I have requested a refund from Equifax of the {$7.00} that I paid on XXXX/XXXX/2016. My purpose here, however, is to raise a broader concern about the uselessness of credit scores received by consumers, at least from Equifax.
Consumer complaint received 2017-03-06
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I am an attorney representing a client who was contacted about a debt he does not owe. On his own he disputed the debt, and the collector, Portfolio Recovery Associates, sent out documents that appear to be forged or altered. My client made XXXX other attempts to get verification. I filed a FDCPA complaint against PRA, including fraud for the fabricated documents. In the course of my research I discovered the Consent Order, 2015-CFPBXXXX which detailed many of PRA 's tactics. My case is : in the XXXX Michigan. XXXX of my investigators made contact with your agency when I was seeking support for a documents/forgery expert. I have not yet called the FBI for an investigation but I was interested in finding out if someone from your agency would be able to provide me with an affidavit regarding some of the deceptive practices PRA engages in. I also wanted to alert your agency as this may be a violation of the Consent Order. 
The information supplied is for me and/or my firm, except that I supplied the last XXXX digits to my client 's social security number.
Consumer complaint received 2016-04-26
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (MI)

I believe that American Express is conducting a form of wire fraud. I have an American Express credit card. I used this card to purchase a XXXX. At my home number, I received a message on my home answering machine from the AmEx Fraud Prevention department saying that I had to call the XXXX number on the back of the card and report that I had received the devices and was satisfied, before AmEx would pay the merchant. I made that call on XXXX XXXX. The merchant reported no payment. I called AmEx again, and we reassured " that your account was charged on XXXX XXXX. '' Merchant was still not paid. I called AmEx yet again ( this time to a number that the merchant told me that they had been told by AmEx that I had to call ... a different number than the one originally left on my home message machine. I called that number and was again told that my card was charged on XXXX XXXX. As of today, the merchant reports that they have still not been paid. 

In other words, AmEx is apparently debiting my account for the full amount of the charge ( and will be expecting me to pay them as soon as my bill arrives ) but AmEx is NOT paying the merchant ... living off the float. And the message they left on my home message machine told me that I had to call the phone number on the back of my credit card in order to have the payment released. They told the merchant that I had to call a different number. This " looks like '' to my eye, a prearranged scheme that causes delay and makes it virtually impossible to get the payment released to the merchant. If they are doing this to just a few XXXX of their customers, they must be effectively " borrowing '' many XXXX dollars from their customers and not fulfilling their customer or their merchant agreements. In my opinion, inasmuch as AmEx is using interstate wire services to accomplish this, this appears to me to be federal wire fraud. I 'd like this fixed.
Consumer complaint received 2017-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Credit Bureau, This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail and fax for purposes of formal escalation in the appropriate courts of law should the need arise I have been fighting a case of identity theft As a result of these reckless and intentional acts, I have suffered and continue to suffer general and specific damages. Identity Theft Report FCRA Section 605B law Please be reminded too that the Fair Credit Reporting Act provides that when disputed debt items can not be supported by evidence, then such items should not appear on my credit report. Moreover, when such debt items remain unverified after 30 days, then inaccurate information on my credit report should be removed. Your responses in writing claim to have " verified '' the debt information that I have challenged. However, the law requires more in the case of an identity theft. You asking alleged creditors to match numbers on the computer is not verification in my case. An identity thief used my information without my knowledge and/or authorization hence, those numbers will match up. Simply stated, your action in this matter is not sufficient. 
XXXX {$1700.00} TransUnion ACCOUNT XXXX {$1200.00} TransUnion XXXX XXXX FL {$1200.00} TransUnion ERC 11 XXXX {$800.00} TransUnion XXXX 11 XXXX {$800.00} TransUnion XXXX XXXX FL {$750.00} TransUnion XXXX XXXX C {$550.00} TransUnion XXXX {$440.00} TransUnion XXXX XXXX FL {$170.00} TransUnion Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, 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 ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2016-05-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (TX)

XXXX XXXX is trying to collect on a debt 2 times which they have already sold or transferred to another company, and will not remove from my credit report after my several attempts of disputing. They have multiple accounts on my credit report for same company, different dollar amoounts which is severely affecting my credit rating. XXXX of their reps from the company told me they would removed the account from my credit report back on XXXX XXXX, 2016 because they longer had my account or file.
Consumer complaint received 2016-04-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is reporting a collection account for XXXX XXXX in the amount of {$79.00} account XXXX that was never validated. I have asked for a detailed explanation of the charges, a copy of the assignment and other information that they legally should provide before reporting an account according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b )
Consumer complaint received 2017-02-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

According to a letter I received by Bank of America dated XX/XX/2014 it states : " we may not have provided you with the level of service you deserve, and are providing you this check. There is nothing you need to do other than cash the check '' I received XXXX checks in the sum of {$6100.00}. 

My curiosity wondered what 's this money for? and why is the letter vague with no calculations?, just a simple " There is nothing you need to do other than cash the check '' So where did this money come from?, what tax and accounting implications have been created by Bank of America are involved?
Consumer complaint received 2017-02-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OH)

Navient calls 4-8 times per day starting at exactly XXXX and ending at around XXXX. They have refused to offer an affordable repayment plan and have denied me a forbearance request during a layoff period. A previous forbearance request over a year ago was met with a XXXX " fee '' due at the time of the request.
Consumer complaint received 2016-04-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Trans Union is being willfully Malicious by failing to timely and accurately update my credit report as required by ( FCRA ), 15 U.S.C. 1681 et seq. 
Original Dispute was filed on XX/XX/XXXX. To date, still not resolved, albeit the XXXX other major credit bureaus have acted in conjunction with the credits required to correct the inaccuracies. 
Specifically, referring to the XXXX XXXX XXXX XXXX ; after I called XXXX XXXX today ( XXXX/XXXX/2016 ) @ XXXX to ascertain the accuracy of the inaccurate information, I was advised that they did not submit any/ that information as they have ceased to report that account since XX/XX/XXXX .It was also observed that Trans Union has `` re-aged '' the reporting of that account to XX/XX/XXXX. 
Inaccuracies continues with my XXXX XXXX XXXX to date, notwithstanding corrections issued by the creditor since XXXX XXXX, 2016. Please see the attached. 

Please see prior unresolved complaint : Case number : XXXX
Consumer complaint received 2017-02-18
Product: Prepaid card — Other special purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: CITIBANK, N.A. (WI)

I had purchased a set of 4 Good Year tires for my car from XXXX dealership in XXXX WI. At the time XXXX or XXXX was offering a {$100.00} rebate for the purchase of a set of tires. Good Year was also offering an {$20.00} rebate for the particular tire I purchased. The same rebate would have been {$40.00} if I had used a Good Year credit card to pay for the tires. XXXX XXXX XXXX XXXX XXXX purchased a prepaid credit card from Citi to put this {$100.00} rebate on. Good Year had also purchased a Citi prepaid card for {$20.00}. After receiving the cards I had misplaced them and thought they were lost. I could n't report them lost to Citi because I did not have the card numbers. I found the cards a week or so ago but they had expired. I contacted the Citi number on the back of the card and was told that the entire money balance on the card was forfeited to the bank on the expiration date. They refused to extend the expiration date or issue a replacement card. I was told that a lost card had to be reported within 60 days. The card purchased by Good Year had expired XXXX so I was reporting within 60 days of expiration and they still refused to issue a replacement for that card.
Consumer complaint received 2017-02-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAINE & WEINER COMPANY, INC. (CA)

About XXXX months ago I discovered a collection account on my credit. My credit score which was XXXX XXXX XXXX on all XXXX bureaus dropped to the mid XXXX 's. I disputed the unknown collection account with all XXXX bureaus and was told that the account was verified as belonging to me!!! I have contacted the collection agency XXXX times by certified mall and I have yet to get a response from them or for them to remove the account. I was never notified or questioned about the account before it was placed on my credit. I do n't even know what it is for all I know is that it is not mine and it was not originated by me. 

Caine & Weiner Acct number XXXX
Consumer complaint received 2017-03-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I was given the WORST advice for my, then, XXXX loan! At the time I had just finished doing a 2 year XXXX. At the end of your XXXX you are awarded money to use for either going back to school or to repay student loans. One of the reasons I did my service was to then get this money to repay student loans and get myself back on track. I called XXXX for advice. I had $ XXXX in debit to pay off, my rewards money was $ XXXX. I was told by the XXXX representative to put my loan on deferment and use the money to pay the interest in the meantime as I figured my life out after XXXX. Let 's get something clear, I am an XXXX, it is not easy for me to deal with money or math, it is just not my bag. So when the institute representative advises, truly urges me, to go this route- I trusted him and XXXX . Naive, I now see. I place this all on automatic payment, not really looking at what is going on for a couple of years, again trusting my institute. XXXX then becomes Navient and I take a look at what was going on. Here 's the numbers- I had XXXX to pay in the beginning, with a XXXX award. After a couple of years of doing the XXXX ' way- I had $ XXXX to pay off and less than $ XXXX left in awards money. That 's right ... the SAME amount of money to pay off to Navient!!! I had just been paying them for no reason. I felt stupid and cheated and lied to. I had grown up a lot in the years between then and I felt so foolish for trusting a company I had no choice in dealing with. I was ashamed to tell my parents and my, now, husband. I should have paid the XXXX outright and figured out the taxes- today I would be debt free. I still owe over $ XXXX to this day as I slowly chip away.
Consumer complaint received 2017-02-17
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Pacific Union Financial, LLC (CA)

We are current customers of Pacific Union Financial and had previously done a purchase and refi with them. XXXX XXXX we wanted to take advantage of lowering our rate. We started the process then and are now as of XXXX XXXX XXXX still in this refi process. Our file has been passed around numerous times. It took them 1 month to review and sign off our appraisal. I emailed a processor and it took almost 3 weeks to get a call back from the company at which point we found out the processor no longer worked there. And amid all of this we keep getting charge rate extensions for something that is not our fault. If the company would have been doing their job and following up on customers files when a processor quit our loan would have been closed in XXXX or XXXX with our rate at XXXX and no discount points. Now we are in XXXX XXXX, rates have worsened and the company is passing on all of the rate extensions on to us. This was not our fault. The company should cover this and credit us as they are the ones who have been dragging their feet closing a simple refinance. Loan started with XXXX XXXX on XXXX/XXXX/XXXX. We got a processor assigned XXXX/XXXX/XXXX not sure why it took a month for that. Appraisal was done XXXX/XXXX/XXXX but not signed off until XXXX, almost another 30 days. Then the processor XXXX was no longer with the company as of XXXX. XXXX/XXXX/XXXX was the last email we received from her and then we received an email from another processor XXXX/XXXX/XXXX, almost another month. This is very frustrating and not how a customer should be treated. All we want to do is close the loan with the terms they promised us when we started this process. All of their delays are now making us have to come in with an outrageous amount for closing costs because they keep charging us extensions for their terrible service. This is unethical and not a best practice for a mortgage company. They are adding the extension that now total up to {$9100.00} for discount points due to their own errors and delays.