davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (GA)

Received letter dated XX/XX/XXXX    from collection agency. In letter, it stated I had 30 days to dispute the validity of this debt or any portion thereof. I sent a letter to this company certified disputing the validity of this debt and requesting that this agency validate this debt belonging to me. This debt continues to be resold to various collection agencies and each time, each company continues to fail to validate debt and have had to remove it from my credit report. This debt does not belong to me.
Consumer complaint received 2017-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

I am a husband and father going through a very emotional financial hardship. I am also very optimistic of my future as I continue to battle through and run towards opportunities. Due to my current financial strain I am unable to pay for my bills as scheduled and my bank has been covering the insufficient funds. As I do understand and appreciate this policy under reasonable terms, I do believe that I have been taken advantage of. As a result of the banks unreasonable fees I am currently overdrawn $ -XXXX with my account scheduled to close sometime on XX/XX/XXXX if I do not make the account current. I do plan on seeing some money soon but I 'm afraid that this may just cover my negative balance leaving me with no money to pay my bills and many more bank fees. As of today from the beginning of the year ( 2017 ) I have incurred {$2000.00} in bank fees with {$980.00} just being in the last 3 months. This is not a reasonable practice and I must do what I can to try to resolve and also alert other consumers that are going through the same issues.
Consumer complaint received 2016-04-14
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (TX)

These inquiries below I did not authorize and can not get Equifax to remove after I disputed them online and in writing. 

Thank You For Submitting Your Dispute Dispute Confirmation # : XXXX Dispute Summary Inquiries XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX I did not authorize this inquiry. 
Inquiries XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX This is a fraudulent inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX This is a fraudulent inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX, XXXX/XXXX/XXXX I did not authorize this inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX : XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX I did not authorize this inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX This is a fraudulent inquiry. 
Inquiries XXXX This is a fraudulent inquiry.
Consumer complaint received 2017-07-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Company (PA)

My home phone number has fielded repeated calls from a debt collector at  XXXX  since  XX/XX/XXXX  . At  XXXX  on  XX/XX/XXXX  , the caller left an automated voicemail for a "  XXXX   XXXX   ,   XXXX  '' but nobody by that name has ever lived at my house. Ever since then, the caller has either left voicemails without stating a name or no voicemail at all. For most of this year  (   XXXX  ) they have called on Saturday mornings, usually before  XXXX  and often up to  18 t imes within a minute or two. I 've tried blocking their number, but their harassing usage of robo-dialers sometimes gets past my provider 's call-blocking system. Their most recent vxmail ( Sat XX/XX/XXXX  at  XXXX  ) again says that they 're a debt collection company but does not mention the name of the person from whom they 're trying to collect a debt. In any case, nobody at my house has any outstanding debts to be collected. I 'm not sure whether they 've been trying to reach "  XXXX   XXXX ,  XXXX  '' for 2+ years, but whoever they 're trying to reach THEY HAVE THE WRONG NUMBER and need to stop calling me.
Consumer complaint received 2016-12-06
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (CA)

Hurt on job XX/XX/XXXX. Fired XX/XX/XXXX ( Performance ) Never been in trouble. 
Collecting workmanship comp. After 7 months of NO PAY. 
Flagstar is the Lender on a VA HOME Loan. 
In the process of rectifying issue. Need to Refinance lower interest rate. Always Way too High. XXXX never explains anything to me. I paid 6 moths of low payments NEVER late!! Bad credit report and they never even gave me options. I have equity in my home. Should I not be aware of my choices? I receive money and pay them whatever they say, Ive never been in such a place. Im a hard working veteran WHO got hurt was fired and having XXXX soon. Can someone help me and explain it all to me? Can I call another lender? Am I allowed to use whomever I want?
Consumer complaint received 2016-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MD)

I have a mortgage managed by Wells Fargo, but which they appear to have sold to an investment group of some sort, identified only by a code number. The mortgaged home is in foreclosure for a variety of reasons, but with Maryland 's required mediation, I was optimistic that a modification would happen. I submitted all appropriate documentation, and on the day of mediation ( XXXX XXXX ), both the XXXX and Wells Fargo 's lawyer were stunned that the package was already complete and submitted. Wells Fargo 's position was that they would take 30-45 days to reach a decision on the modification, so the XXXX notified the Court that the parties had been unable to reach agreement -- she said that 's the only outcome when a modification request is under review. Given that the package was complete, Wells Fargo was reviewing, and even their attorney was confident an offer would be forthcoming, there was no direct contact with Wells Fargo during the mediation session on XXXX XXXX. Twenty-four hours later ( not 30-45 days ), Wells Fargo denied the modification request. They stated that I was ineligible for HAMP modification based on my ability to afford the mortgage ( with no reference to the mid-five-figure arrearage ), and that the mystery investor who actually owned my note would not allow a modification because there had been a prior modification on the note. In essence, Wells Fargo rendered the mediation required by Maryland law ( because like everyone else, the Maryland legislature recognized the bad faith of Wells Fargo and its ilk ) utterly meaningless by feigning consideration of a modification just long enough to check the mediation box before proceeding with the foreclosure process the next day. My e-mail appeal to the XXXX went unanswered ; my call to Wells Fargo 's attorney was met with an " oh, well. '' ( I 'd note that that attorney 's boss was previously suspended from the practice of law by the Maryland Court of Appeals for forgery in connection with Wells Fargo foreclosure practices, but was back from suspension and signed my foreclosure docuemnts ). Ironically, days after this deft move, Wells Fargo agreed to pay the largest fine ever for its bad faith in mortgage practice, but the XXXX dollar fine certainly has n't changed anything about their behavior, nor have all the fines and lawsuits that preceded it. I 'm appealing the mediation denial to Wells Fargo, though that 's clearly nothing more than another box for Wells Fargo to check off. It 's hard to understand how both the Federal and State governments can criticize, punish, and try to control Wells Fargo, yet they sidestep, manipulate, and carry on as if it were still 2007 and they were still handing out mortgages like balloon animals to stock their mortgage backed securities ( which is what, I suspect, my mystery investor/mortgagor actually is ).
Consumer complaint received 2017-07-13
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XXXX XXXX,2017 @ XXXX I was contacted by Capital One regarding my wifes debt owed on her Capital One Auto Loan. I am not on the account and the representative XXXX continued to discuss the debt with me. He did not give the mini miranda to me or ID any recording of the call until 2 min into the call. And after he already discussed the debt with me. Privacy Laws The Fair Debt Collection Practices Act governs the behavior of the debt collection industry and its representatives. It protects debtors by prohibiting debt collectors from utilizing abusive techniques when recovering delinquent debts. The FDCPA states that a debt collector may only discuss the details of your debt with you or your attorney. Collection agents can call you at home and can ask to speak with you if your spouse answers, but they can not inform your spouse of your delinquent account, as this violates your consumer protection rights under the FDCPA.FDCPA Violations Although the FDCPA notes that collection agencies do not have the right to discuss an individual 's debts with his spouse, that does not guarantee that all debt collectors will abide by this rule. Should a debt collector violate your rights by giving private information to your spouse or any third party, the FDCPA gives you the right to file a lawsuit against the company and collect damages of up to {$1000.00}. Should you choose to sue, you must file your lawsuit within one year of the date the violation occurred.
Consumer complaint received 2017-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MD)

On XX/XX/2017, a charge in the amount of {$350.00}, from XXXX on my Citibank credit card account ending # XXXX, which I immediately disputed a fraudulent, no services rendered. Citibank issued a conditional credit in the amount of {$350.00}, and stated the charge would be investigated. XXXX 2017, Citibank recharged my account {$350.00}, and said XXXX said the charges were for a hotel and the consumer never disputed said charge directly with XXXX. I again reached out to Citibank and disputed the charge asked for a copy of an itemized receipt showing how the charges were calculated and proof of signature and identification. To date Citibank has refused to provide copies of receipts or validated said charge with identification. Citibank requested additional documentation which I emailed the following : 1 ) Copy of a letter to XXXX CEO disputing said charges and requesting itemized receipt. 2 ) Copy of email from XXXX refusing to provide a copy of itemized receipt. 3 ) Copy of letters to state officials charging XXXX with deceptive fraudulent billing. Citibank asked me to complete and sign an additional form and return with the above mention support documentation and said a credit would post within 7 to 10 business days. When the credit did not appear and I reached out to Citibank claimed XXXX provided a copy of a bill and said charges were made online, but could not prove how, provide IP address or copies of receipts. Instructed me to dispute as fraudulent and close get a new card which I did prior to completing Citibank form and sending support documentation. <P/>Citibank is engaging in deceptive business practices and in conjunction with XXXX defrauding consumer to make monies off the consumers account balances and finance charges. Although I provided proof and disputed said charge Citibank accept no proof from XXXX to keep said charge on my account.
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

I called to dispute about multiple hard inquires listed on my credit report with TransUnion. There are XXXX inquiries counted separately for one auto loan application with XXXX XXXX XXXX. They are listed below.
I asked for these to be removed but the TransUnion representative said they are counted separately.
<P/>
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX
Consumer complaint received 2016-11-03
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (NV)

Background. Paying with Paypal is always a challenge to pay by credit card. By default, the option for payments available when you check out is always cash from a bank account, and to pay by credit card, you need to edit that option each and every time. Recently I purchased a laptop with Paypal and when I did checkout, I changed the payment option to my XXXX. However a couple days later I was shocked to learn that paypal did not use my XXXX but withdrew the money directly from my bank account!
Consumer complaint received 2016-12-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Professional Debt Mediation, Inc. (FL)

Those charges were related to move-out expenses from the condominium I used to live. When I moved out, condo management said that the invoice was not ready yet ( there were painting expenses they could not precise, for example ), so they would mail me the invoice later, with any additional charges they might had in addition to my existent deposit with the condo. I never received any invoice, phone call, or email. In XX/XX/XXXX I was very surprised to be contacted by a Collection company, charging me for a debt I did not know it exist. The agent was very rude and ironic, and mentioned the name of the condo " The XXXX ''. I immediately contacted the condo via phone and they requested me to go to their office to settle the issue, which I did. The office manager checked my file and confirmed that indeed I never received such Notice of charges because they mailed my invoice to a wrong address. She even showed me the letter itself, returned by the post-office, so they knew I have never received it. They also never contacted me via phone or email, both information that they had in file. I lived in that condo for over 2 years and never had a late payment. That was in XX/XX/XXXX ( please see the attached receipt of payment ), and the office manager, XXXX, apologized for the inconvenience and assured me that the collection company would not bother me again. Not only the collection company bothered me again, several times, via phone ( the same rude and sarcastic agent ), but the firm also placed me as a Collection account, in XXXX. So the Collection company actually reported a mistake from the office, for a Notice that I never received ( please see the attached Notice, containing a wrong address ), which was returned by the post office, and then the company reported me a month after I made the payment directly to the condo. 
I 've had to dispute the information with the 3 Bureaus to have it removed. That was in XXXX. 
Now, XXXX years later, the Collection Agency reported me again!! This time they reported an account in collection, paid. That is in incorrect, since it was proven XXXX years ago that I never received such notice. 
I want this information removed from the Credit Bureaus immediately. This is disrespectful, it 's a waste of my time, and could have been a disaster for me since I had the closing of my Home 3 months ago. My FICO score dropped 22 points. They had no respect, they treated me with sarcasm, and they just assumed that I was a bad payer and made jokes. And now again, XXXX years later, they report this? I really wish there was a way that CFPB could punish this type of reckless behavior and lack of respect.
Consumer complaint received 2016-04-13
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Rosebud Economic Development Corporation (CA)

I have spoken to the collection managers at myquickwallet.com. I told them I am not refusing to pay and I had made some payments but right now I can not. The manager XXXX said that she would make sure that my life was impacted negatively. She continues to call my job during the day and mow my job is making it a big issue and I 'm being reprimanded for it so to speak. The company is not even calling my phone anymore they just continue to call my job, and told the receptionist that I am telling them to contact me there.
Consumer complaint received 2017-07-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I have two debts that are over 7 years old. My husband left me in XX/XX/XXXX and I stopped paying our credit cards. The divorce was finally completed in XX/XX/XXXX where they granted him this debt and it is specifically noted in divorce. He moved to XXXX. <P/>I have cleared up most and made agreements to clear the debt. But the remaining balance sits out there and did not get written off. <P/>Years later and I have re-married and bought a house but these were brought to my attention as a credit counselor tried to help me clear them. <P/>I just received a letter from XXXX wanting the balance XXXX for something that is in a divorce agreement and was back in XX/XX/XXXX. <P/>Also a very ugly company stating they are an attorney, Portfolio Recovery Associates are trying to get a balance of XXXX going back to XX/XX/XXXX which is the last statement they have from XXXX  XXXX. They call me every day, multiple times a day. They even called my fiance, and told them of my debt and he has nothing to do with this account. Lucky he is still marrying me. LOL! These are both on my divorce agreement and I have not heard from any of them until now. Do they have the right to come back on me for these.
Consumer complaint received 2017-01-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

My mortgage company did a loan modification for me. During the 3 month trial period, they reported me as late for all 3 months. ( XX/XX/2016,XX/XX/2016,XX/XX/2016 ). I noticed the discepency XX/XX/2016 and immediately called the company to ask for a credit repair which they assured me they would get started on. This has still not been done- 4 months later. Ive left several messages with my contact and their manager since XX/XX/XXXX and they always promise itll show up on the next month. They now wont call me back at all since XX/XX/XXXX. I was in escrow to buy another house when this all came about and I have since had to back out of the purchase and lost the opportunity. I went to see my lawyer and he suggested I contact CFPB. He was outraged that this company was able to just ignore me and drop their heels they way they have.
Consumer complaint received 2016-12-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Herbert P. Sears Co., Inc. (CA)

I started receiving bills sometime in XXXX or XXXX from XXXX XXXX from out of no where. I know I do n't owe them anything because I just paid off my XXXX contract and I had n't gone to see the XXXX in over a year and every time I went in to see them I had to sign a contract for services and pay before they started any sort of treatment on me. I had a XXXX balance on my account. I contacted the office talked to XXXX who was going to look into it for me because she showed a XXXX balance on my account on XXXX and on XXXX. Did n't hear anything back. I still kept receiving bills. I contacted the office left messages for the manager to call me back, never received any calls. I called the XXXX number left messages to send me a detailed explanation of what I was being billed for, date of service, copy of contract I signed on this date of service, and what my insurance paid for. I just kept receiving invoices requesting money and they added on late fees. I sent the company a letter requesting everything I asked for on my voice message and instead was sent to collection. At this point I 'm really upset and I do n't know what to do. I 'm still receiving bills for the late fees from XXXX but they already sent the bill with the late fees included to collection?? Is this even legal?
Consumer complaint received 2017-07-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Greenback Recovery Group, LLC (FL)

Received several call in the past month from XXXX XXXX of Greenback Recovery XXXX stating I owe {$1500.00} and how I want to pay for it I told him I have never received anything from any Credit Card company asked him to mail it to me. Its been 3 week and I have n't received anything but tons of messages telling me they are coming to my home and that I need to show passport and drivers license or they will go to my job.