davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-02
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Systems International, Inc. (FL)

Back on XXXX/XXXX/2015 we disputed a credit report entry from Credit Systems international. After the dispute with case numbers XXXX and XXXX, Credit Systems international agreed to delete the entry because " XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX does not show to be a good address for mail delivery. There were no telephone numbers on the file to attempt contact with XXXX XXXX. 
We attach our required verification of the debt. If XXXX XXXX disputes the validity of the charges, and if she will furnish our office what the dispute is, we will open an investigation. 
A request to delete the report from the Credit Reporting Agencies ( CRA ) has been requested and no further reports will be requested for a minimum of 60 days to allow XXXX XXXX sufficient time to review the itemized statement and/or notify us of any errors '' We then sent them a debt validation letter with specific information they need to send to me to validate the debt, not just say they have validated the debt. We uploaded into the CFPB system with the above claim # as well as mailed it certified mail # XXXX on XXXX XXXX, 2015 which they received on XXXX XXXX, 2015 @ XXXX. Not once they they respond and now again I find the charges on my credit report. I want these charges removed immediately until the information I requested is sent to me in accordance with XXXX laws. I will again attach the original letter I sent them to this claim
Consumer complaint received 2016-01-14
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Wilson, Riley & Associates (AZ)

Wilson Riley and associates called and threatened to have a warrant issued and to sue me over a debt from XXXX or XXXX they curse at you called my ex wife and threatened her with the same even though at that time we have been divorced over 5 plus years. One man called and stated he was an investigator with the state of California. I have voice mails verifying the tactics they use and can forward it as I saved it. Wilson Riley and associates have called numerous times, we agreed to pay off the original amount and the XXXX payment was late as we were loading it on a card then we received another threatening call about a sheriff coming to our door with a warrant and that I will be sued and charged with wire fraud because we declined a wire transfer between states. They also said our agreement was null and void a d that my info was erased from their system, but on XXXX XXXX, XXXX they took out {$110.00}, so XXXX payments that are unauthorized were taking out, going by their words nothing should have been touched.
Consumer complaint received 2015-12-11
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MA)

The response is fraudulent because I XXXX XXXX legally own the property at XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX and I do not have any mortgage on this property and neither does my father XXXX XXXX, The only signed mortgage notes are registered at the registry of deeds XXXX from XXXX that has been discharged and the other from XXXX a division of XXXX and no payment has been made on neither of them for over six years which is well passed the statue of limitations for the state of MA, as confirmed with the Federal Trade Commission. US Bank NA and XXXX XXXX XXXX XXXX does not have any signed supporting documents such as notes registered at the registry of deeds, because of this US Bank NA and XXXX XXXX XXXX are breaking the law by denying me my Human and Constitutional Rights and also committing bank fraud.
Consumer complaint received 2015-06-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

'll admit upfront I was late for XXXX days on XXXX dollars when my escrow creeped up in XX/XX/XXXX. When they called me in XX/XX/XXXX they told me I was XXXX month late. I was n't sure what to think, so I went on their website and found the escrow issue and made immediate payment. I called them back and asked if forgiveness was possible. XXXX ( the cust. serv. ) said I had to send in bank records and they 'd need XXXX days to decide.lol By the time XX/XX/XXXX and XX/XX/XXXX had passed I had XXXX late payments against me even though I had paid all my P & I and taxes and insurance up to date. Just not the late payments. If they had n't tacked on late payments i was never XXXX days late ever. 

Also, I made payments XX/XX/XXXX and XX/XX/XXXX. The XXXX payment on the XX/XX/XXXX should n't have been processed until XX/XX/XXXX, but they Processed it on the XX/XX/XXXX. IN XXXX YEARS THEY HAVE NEVER PROCESSED A PAYMENT IN UNDER XXXX DAYS. Then, I 've never paid ahead of time. Still their records show they put the moneys in suspense not principle. These guys are playing games to balk consumers out of late charges. I need help to get these guys back, and to restore my credit rating.
Consumer complaint received 2016-02-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A. (IL)

It was XX/XX/XXXX that one of so call Citimorgage representative called and faxed congratulating me that, the HOME AFFORDABLE MODIFICATION PROGRAM that I had applied, has been approved. He said that, I have been approved for an interest rate of 2 % for the rest of the loan peroid, as long as I own my house. He said, all I need to do now is to make three ( 3 ) trail period payment plan, every month of {$1100.00} and at the end of the trial period, I will have to make additional payment of {$1100.00} for the closing cost. He said each payment however, goes towards my mortgage payment, therefore, I should concentrate making these three months trail payment. He said these payments can " only be received through XXXX or XXXX XXXX, which means that it 's only this ways I can send the money in, inother to fullfil the criteria and therefore, it is a different department that is handling this program. There and then, I started to wounder and suspect, if this is real or is this legitimate or Fraud Scam thing. He said they will forward every transation docs. papers to the office and my account will be updated by next Monday XX/XX/XXXX.
Consumer complaint received 2015-07-01
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

I opened a CapitalOne360 account yesterday and set up an ACH draft tomy credit union. I specifically asked when the ACH would occur and theyexplained that they would first send two small deposits to the credit unionand then I would have to " confirm '' those deposits before the initialtransfer to my new account would occur. This was confirmed by anumber of web pages on their www.capitalone360.com web site. 
This morning, less then 24 hours after opening the XXXX account andwith no small deposits to confirm, they drafted my checking account for {$50000.00} which caused me to incur a transfer fee of {$3.00} at the credit union andexposed me to additional fees had I not caught this situation at once. 
I am concerned that their web site and call center staff are eitherintentionally or inadvertently providing incorrect information at thepotential expense and inconvenience of consumers and I would like my {$3.00} back. This is not about the {$3.00} but the principle of what they aretelling their new accountholders both personally and on their web pagesand their response to my concerns which involve hiding behind '' procedures '' rather than just acknowledging the issue and refundingmy fee. I escalated the matter to a manager who also stonewalled untilthey could conduct " research '' into the matter.
Consumer complaint received 2015-06-03
Product: Other financial service — Check cashing
Issue: Customer service/Customer relations — 
Company: Fidelity National Information Services, Inc. (FNIS) (AZ)

I do not have Bank account. Rather, I use a prepaid debit card from XXXX XXXX that allows me to deposit checks by taking a photo with my phone. Recently, I tried to deposit a {$77.00} check from the U.S. Treasury for federal jury duty via this method. It was declined, and I was instructed to call Certegy check services. I did, and they said they ca n't tell me why they issued a recommendation to decline the check. They are rude, deceitful, and refused to share any kind of information that would explain why they consider a check from the U.S. Treasury a " risk ''. 

I am unable to do anything with this check since virtually all other check cashing stores, grocery store money service counters, etc. all use Certegy to verify checks. 

With just a little internet research, you 'll see that many, many complaints about Certegy have been logged, regarding the same type of poor customer service, dishonest behavior, and arbitrary decisions to decline perfectly good checks. It seems their only purpose is to make it exceedingly difficult to just cash checks.
Consumer complaint received 2015-07-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I sold my house on XX/XX/2014 and paid the money at closing to Bank of America. They went and reported me late to all XXXX credit bureaus thus causing an issue with buying a new home. It still shows up on my new credit report.
Consumer complaint received 2016-02-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Every time i ask t have my address changed I get a fraud alert. 

Please change my address and remove the Fraud alerts from my profile. 
Please review my credit score it is incorrect. 

Thanks XXXX XXXX
Consumer complaint received 2015-06-03
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (DE)

In XXXX of 2011 my mortgage company, Ocwen, modified my mortgage under the MHA-HAMP program. I believe this modification was unfair, deceptive and predatory. I only recently realized that the term of the modification was only for 47 months with a ballon payment of approx {$210000.00}!! Given my financial circumstances, it does n't take a genius to recognize the fact that I would never be able to make such a ballon payment. Therefore, I believe that the modification that Ocwen gave me in 2011 was nothing more than a deceptive and predatory ploy to collect partially on a debt. Ocwen also recently denied my new request for a MHA-HAMP modification saying that I had " too much equity in my home ''. Then Ocwen said that I was n't eligible for HAMP because the maturity date for the ballon had expired. Ocwen were the ones that put me in such jeapordy in the XXXX XXXX place
Consumer complaint received 2016-02-03
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Complaint is in regard to Portfolio Recovery Associates, on a credit card account for XXXX. XXXX account # XXXX, issuedthru XXXX XXXX XXXX. 
I have tried to call Portfolio Recovery, about a dozen calls in all, they flip your call from one rep to another, and / or disconnect the call. I have asked to speak to a supervisor, XXXX XXXX, to no avail. They send you to their PRA Resolution website which does not allow me to submit the complaint. 
I am enclosing XXXX pages of documentation. 
First XXXX pages are letter sent to me on XXXX/XXXX/XXXX along with refund check of {$160.00}. Amount of payment is incorrect according to paragraph XXXX of their letter, that states that the refund is in accordance with the consent order reached with CFPB, and that the refund amount covers payments made in the first 60 days. 
They keep telling me that the amount they sent was DETERMINED by CFPB, and refer me to you. 
XXXX XXXX and XXXX of my documents are copies of settlement agreement dated XXXX/XXXX/XXXX. First 2 payments scheduled are XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 
FIRST 2 PAYMENTS WERE MADE WITHIN 42 DAYS AFTER AGREEMENT MADE, BY PHONE. 
XXXX XXXX and XXXX of the attached documents are copies of XXXX XXXX XXXX statements that show that payments of {$160.00} were actually withdrawn fom my account electronically on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, for the benefit of payee Portfolio Recovery. 
SINCE THEY RECEIVED 2 PAYMENTS TOTALLING {$320.00} IN THE FIRST 42 DAYS FROM AGREEMENT / ARRANGEMENT MADE BY PHONE, I FEEL THAT I AM DUE ANOTHER {$160.00} REFUND CHECK, AS PER TERMS OF CONSENT ORDER. 
IN ADDITION, AS YOU CAN SEE ON XXXX/XXXX/XXXX LETTER SENT TO ME THEY HAVE FAILED TO LIST CONTACT PHONE NUMBER FOR CFPB, AND OR WEBSITE FOR CFPB, FOR FURTHER FOLLOW-UP. 

Please enforce the consent order terms to the fullest extent. If they are trying to XXXX me, they are doing it to others, as well. 

Thank you, in advance, XXXX XXXX ( XXXX ) XXXX Email : XXXXXXXXXXXX
Consumer complaint received 2016-01-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midstate Collection Solutions, Inc. (IL)

The company, Midstate Collection Solutions, autodialed my number and had me wait on the phone for 15 minutes, at which point I was automatically disconnected because " there [ was ] no one available to take my call ''. 
I waited to tell them that they were looking for the wrong person ( my credit report is pristine ), as this has happened a few times since I opened this line through XXXX. 
In the future, no doubt, they will be trying to reach me again and me answering the phone to let them know they reached the wrong person should only happen once.
Consumer complaint received 2015-07-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing this complaint against BANK OF AMERICA , N.A . ( hereinafter BOA ) for continually violating the Homeowner bill of rights statute. On XXXX XXXX, 2015 a letter was sent from someone by the name of XXXX XXXX ( XXXX XXXX ). I have a point of contact established pursuant to the statute CCP 2923.7 by the name of XXXX XXXX. I have requested information from my point of contact with no response from XXXX XXXX. I have delivered a letter via XXXX certified mail article number XXXX dated XXXX XXXX, 2015 to XXXX XXXX 's supervisor XXXX XXXX that was received and signed for on XXXX XXXX, 2015. 

There has been another letter dated XXXX XXXX, 2015 sent from XXXX XXXX making more unlawful and illegal threats to me. XXXX XXXX is not my point of contact according to the statute. I have requested XXXX XXXX supervisor XXXX XXXX to be my point of contact accordingly to statute CCP 2923.7 ( d ). I have attempted to call XXXX XXXX on more than one occasion leaving detailed voicemails on her voicemail. There has been no call back from XXXX XXXX or XXXX XXXX to present date. I have uploaded a declaration in support of this complaint. XXXX XXXX and BOA are proving an act to commit deceit, fraud, and concealment of an issue of material fact. Further BOA has sent a letter making a false statement by alleging BOA is satisfying the due diligence statute CCP 2423.5. I have uploaded this document from BOA to prove the false statements BOA is alleging so they can attempt to foreclose on my house they have no rights too.
Consumer complaint received 2015-12-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

If Equifax actually investigated this derogatory collection account and determined that it was mine, they would be obligated to amend the credit file with the supposed Creditor that this account was attributable to. Thereby allowing me to dispute this with the company that is falsely screwing up my credit file. I strongly feel that Equifax did no reinvestigation and just sent the response I am disputing to comply with the regulations from the CFPB. I feel that Equifax is being the bad actor here and I want this removed from my credit file or have the company that it is attributable to to be attached to the record.
Consumer complaint received 2015-07-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (GA)

I sent letter to Experian on XXXX which was received on XXXX. Experian responded by saying that my letter was considered " suspicious correspondence '' and that no disputes will be initiated. I will be sending a follow up letter with proof to show that this is a legitimate ask. At this point, it has been XXXX days and nothing has been done yet outdated items remain on my credit report, negatively impacting my credit score.
Consumer complaint received 2015-04-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alliance One, Inc. (WA)

I received a parking collection notice for parking tickets at XXXX XXXX XXXX after I had already responded to XXXX stating I was not a student there and was a commuter parking legally. 
I then received a collection notice from Alliance One Resources Management Inc. in XXXX ' 2015 which I also responded within XXXX days to dispute claim. 
I received final result of dispute early XXXX and attempted to pay Alliance on XXXX XXXX but the male ( refused to give name ) stated I had no debt under my name or social security number. I called school to verify parking tickets and paid Alliance over phone on XXXX XXXX under my vehicle license plate since the male at Alliance previously stated I had nothing under my name or social. 
This was reported to credit report as in collections from Alliance when XXXX days had never passed without item being in dispute. 
This was reported as collection as of XXXX ' 2015 while the charge was still in dispute until XXXX 2015. 
When I initially called Alliance they stated I had no bill to pay. 
Upon checking my credit report I found a collection after I had paid Alliance on my XXXX attempt. 
This collection item was not on my credit file until XXXX after I paid my bill that had just finished the dispute process. 

The male I spoke to at Alliance One Resources Management Inc. in XXXX XXXX was very unprofessional and I believe this may have been done as retaliation for me hanging up on him after paying my bill and being XXXX with him as he was so rude on the phone.
Consumer complaint received 2016-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion failed to follow Fair Credit Action 605b and block the info that is the result of id theft. This is my 4th request and I am including the FTC Theft form completed, Police Report, Drivers License, SSN card and proof of residence! Please block the XXXX XXXX account it is a result of ID Fraud!!!!!!!! Please review all attached documents and the FTC is n't signed because its an automatic report to the police I did but the police report is included as required under FCRA Section 605b.
Consumer complaint received 2016-01-14
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EZCORP, INC. (TX)

This company - they give different names when I ask who is this, the number they are calling from is XXXX this company continues to call my family members leaving threatening voice mail messages on my family members phone. I have called this company and informed them this was paid off and I provided the name of company and the contact information for the company this account was paid. This individual at the current company calling me stated that information was not sufficient, he was rude and I have asked them to stop calling my family members and myself.
Consumer complaint received 2016-02-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

This debt is from services at XXXX Hospital XXXX XXXX, I never received the bill but did received all other bills. My credit is perfect and I would not let my credit get ruined for XXXX . I never received such bill nor tried calling me since my number is at the Hospital records and has not changed for the last 10 years.
Consumer complaint received 2015-06-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

I had an account with a company called XXXX XXXX XXXX for monitoring an alarm service at my home. Everything was fine and I had automatic withdrawals from the bank account I had at the time. Once my home was in escrow, I called XXXX XXXX XXXX and made my final payment. They told me nothing else was needed to close the account and I was in good standing. I did not purchase any equipment from them, nor did I live in the home. A few months later I got a bill in the mail. I called to inquire about it and again they told me it was resolved. Several months passed and I received another bill for an outrageous amount. I called again and they told me that I did not cancel my contract and that I have to pay for a service whether I lived in the home or not. I offered to pay a portion of it out of good faith if they sent me a final bill with a cancelation policy and the account manager " XXXX XXXX '' told me no. In his words " black mail my credit '' if I did n't pay 36 months of payments ( I only signed up for 21 months ). I refused and called again to speak to someone above him which I was denied my request. After I requested to be contacted via email so I can have a document of everything he was staying. I asked for a contract stating where I signed up for all of this and they provided a contract. The amount of months my contract was for was crossed out in pen and re-written and they added to months to it, with no initial or signature indicating that I was in agreement with them. In fact I never gave them my social sec #. Also I found it strange that when they sent me a copy, under my signature shows a cut off signature of whoever " Accepted/signed '' the contract and it has a complete different date on it. SO pretty much you sign a contract, then they modify and resign at another date and tell you that you owe them money. I was upset and I told them I am sorry I can not pay money for something I did not ask for. Two years later I look at my credit report and there it is. This is unfair and unjust. I have went on social media to post a negative review to warn other potential victims, also gave them a review on yelp. The more research I have done I noticed that there are many more people who are in the same situation and worse. 
Thank you