davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (MI)

XX/XX/XXXX I signed up for XXXX DSL Internet service. I choose to pay for my equipment XXXX the XXXX router ) at the beginning of my service. When self installing the service, I discovered that the DSL service did not properly work and called XXXX to which they decided to dispatch a technician. An XXXX technician, named XXXX, came to my house and acted in a very professional manner to resolve the issue. He ran a line up the side of my house because he said the earlier connections were not properly installed. My service worked and I continued until XX/XX/XXXX, paying all bills on my personal XXXX card. XX/XX/XXXX I decided to cancel my service for a competitor 's better connection speed. I called XXXX customer service around XX/XX/XXXX to cancel to which I was told " please keep your XXXX router if you ever decide to come back ''. This was my understanding, as earlier stated, because I had paid for the equipment at the beginning of the service. XX/XX/XXXX my XXXX card was charged for {$160.00}. Upon inquiry XXXX, I was made aware that the charge was for unreturned equipment XXXX. I disputed this charge XXXX and was instructed, XXXX to call XXXX. I spoke with a customer service representative XXXX who told me that " multiple emails had been sent '' ( these emails were sent to my XXXX email address that I no longer used because I no longer had the service ) about me owing. I asked this rep to check my bills to confirm that I had paid for the equipment at the beginning of my service. He did confirm that I had paid at the beginning and that they could refund me one of two ways, either by credit to my XXXX card or via paper check. I choose to have a credit to my XXXX card which I was told would take up to two weeks. After two weeks upon non-receipt of the refund, I disputed the charge XXXX and explained to them the process I had been through with regards to dealing with XXXX customer service. XXXX let me know, via XXXX mail about 2 weeks later, that they had found in my favor as the merchant XXXX had not responded to my dispute. On the XX/XX/XXXX I received a letter XXXX about the {$160.00} dollar debt still being owed. I reached out to XXXX customer service to explain the situation. Again I was told that I owed the money until the rep reviewed the notes and account to find that I had been mistakenly billed. She let me know that her manager would reach out to me within 1-2 business days. As it stands, XX/XX/XXXX, I still have not been contacted XXXX. I have since been contacted by a Credence Resource Management about the collection of a debt owed XXXX. I have been called XXXX every day for the last 5 days. The gentleman I spoke to from the company took an unprofessional tone with me and let me know to file a written complaint to resolve the issue. I took issue with his tone of voice and aggressive tactics. I have chosen to ignore the phone calls I am continuing to received from Credence Resource Management.
Consumer complaint received 2015-05-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (AZ)

I used a company called the XXXX XXXX to purchase some products. when I checked out ( using my credit card ) they offered me a service called XXXX pay. This service used YOUR credit card ( from another source ) and sets up XXXX equal payments. AT NO TIME did I give them my social security number or my date of birth etc or authorize ANY credit bureau to check my credit. Well XXXX DID run an inquiry as to my credit and now they refuse to remove it. Again please realize I never authorized this at all. When I called XXXX to complain the girl ( XXXX ) answering the phone stated it was only a soft inquiry. She then left a phone message ( which I saved ) stating that even SHE was unaware of the company practices as to credit bureau inquiries and she was sorry she had given me the wrong information.
Consumer complaint received 2016-03-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (NJ)

My loan was purchased on XXXX XXXX, 2016 by Loancare, a XXXX, XXXX XXXX, XXXX XXXX, XXXX Loancare has not made payments from escrow collected to my local real estate taxes. My escrow balance is currently {$4700.00}. My taxes are in delenquency for {$1200.00}, which includes interest charged by the municipality. Due to inadequate staffing of their phone system resulting in an inability to contact. There is over an hour wait, and still no one answers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Loancare loan # XXXX
Consumer complaint received 2015-05-07
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AR Resources, Inc. (FL)

A representative from AR Resources contacted me sometime in XXXX and stated that they were trying to collect a debt of a hospital bill. They never provided account information they just stated the amount and immediately asked for account information to secure payments. I informed rep that I was currently at work and could n't even discuss a payment arrangement or any other info, she stated she will call me back at a later time. Two weeks later with never receiving a statement or bill from them stating the debt which I never received previously from the call, they placed bill to my credit. I spoke to lady several other times after asking why they did this when they never even gave me the opportunity to look at a bill or discuss payment arrangement outside of work and she had no reply.
Consumer complaint received 2015-07-30
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: ENCORE CAPITAL GROUP INC. (OH)

I have a charge off on my credit report and then it was sent to a Debt Buyer. It was with XXXX XXXX Bank and the debt company is Midland Funding. The amount was {$460.00} the account was open XXXX. I have never has a credit card in my life so I need to find out how this happened and how to get it taken off my credit bureau?
Consumer complaint received 2015-09-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

My mortgage was sold to XXXX. XXXX failed to pay the real estate taxes. Every transaction in the escrow account is incorrect. When they did pay the real estate taxes late, they paid them XXXX, putting the escrow account in a deficit. I notified them in XXXX I would take responsibility for the taxes and insurance. In XXXX I paid the real estate taxes and in XXXX I paid the home owners insurance. My escrow statement reflects that XXXX paid the taxes in XXXX, but XXXX County only received my payment. I provided XXXX a binder on the home owner 's insurance with proof of payment and they went ahead and made a payment, which has been returned to them. 

By diverting the funds, they owe me money, but they are reporting me delinquent to the credit reporting agencies. I have submitted copies of cancelled checks and the agencies tell me that is not enough documentation. They say they have to report what XXXX tells them. XXXX has mishandled my money which has dropped my FICO score from XXXX to XXXX. I have no other blemishes on my credit report.
Consumer complaint received 2016-03-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (OH)

In XXXX 2015 i request services from XXXX and since i, m XXXX to u.s.a they ask me to pay for all the equipment and insulation fees and inform me in the phone that i, m going to have a one year agreement with them, in XX/XX/2015 they raise the price {$8.00} when i ask why they say that the insurance in the devices is done and if i didn, t pay that amount every time i ask for maintenance i have to pay a lot of money and inform me that it, s mentioned in the agreement that i never revived and never signed, so i asked to stop the services, they inform that i have a 1 year agreement that i have to full fill or i, m going to pay the rest of the year that agreement that i never revived and never signed, when i finished the whole year and i wanted to stop the services the informed me that i have 2 years contract i told them no it was 1 year contract and ask them to send me the contract, they send me a none sighed contract marked X in the signature space i informed them that it, s not signed and mark X they told me that if choose to sign as X it, s my choice, i was not at home when they put the service, my wife and son revived the service and buy an extension cord from them for {$31.00} and sign the receipt how come they did not let my wife sign the contract at that time, i think a kind of fraud selling something in the phone and miss guide the customers and make an agreement differently than what the sale was about in the phone and never send a copy to the customers and took their signature and put X as a signature and ask them to full fill an a agreement and put them in collection for that.
Consumer complaint received 2015-06-09
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: First National Collection Bureau, Inc. (TX)

Letter sent to me pertaining to my DEAD husband 's account. My husband died on XX/XX/XXXX ( almost 25 yrs. ago ). I believe the account was paid off, but I might be wrong. But I do believe there is a statue of limitations with debt collections. I would consider 25 yrs. within that limit. Also, it was sent to my current address that has never been associated with my dead husband at all. I am not listed on this account at all.
Consumer complaint received 2015-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MO)

I have XXXX chapter XXXX bankruptcies on my report : XXXX that was filed in XX/XX/XXXX & XXXX that was filed in XX/XX/XXXX. Both of them were dismissed. Chapter XXXX 's are deleted from your report after 7 years. However, Equifax refuses to remove them stating that " dismissed '' Chapter XXXX 's are to stay on the report for 10 years while " discharged '' Chapter XXXX 's are removed after 7 yrs. They will not allow me to open a dispute for it because according to them that is the law.
Consumer complaint received 2015-10-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I have a mortgage with Bank of America. I current principle balance of {$80000.00} on the original loan amount of {$92000.00} with original appraisal was {$100000.00} which put me at 22.3 percent equity in the house or debt of 77.7 percent. Bank of America had advised verbally that my PMI would automatically roll off after I reached 20 percent equity in my home. I have reached better than 20 percent equity in my home yet Bank of America consistently denies to remove the PMI. They have indicated it will automatically come off XX/XX/XXXX but at that point I will have paid well over {$800.00} from this point until then which is outrageous. 
At closing my lender was not onsite to disclose to me the documentation that I was signing. My lender specifically XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX at phone XXXX. The title agent was not knowledgeable enough to answer the questions I had regarding the paperwork. 
I have reviewed the documentation from my closing and have been thus far unable to find a PMI document that Bank of America has stated I signed/initialed regarding their PMI practices. Bank of America has indicated that I can, at my own expense, request an appraisal from ONE OF THEIR APPRAISERS and pending the value of the home not diminishing since the original appraisal XX/XX/XXXX they would remove PMI. All of the values of homes in my neighborhood have only been increasing based on sale prices alone. Bank of America has no standing or grounds on which to base their assumption that values have decreased since I purchased my home, but there is irrefutable evidence that values have increased. Additionally, I do have an appraisal report from a qualified appraiser indicating the value of my home to be in excess of {$120000.00} in the home 's current condition. I will be submitting to Bank of America a QWR as well as the appraisal in-order to have a copy of all the documents Bank of America has as well as to have the PMI removed. 
I feel their business practices are unfair and deceptive regarding their disclosure of PMI and requiring a borrower substantiate a non-decreasing value of a home when all property values regarding the neighborhood are increasing is unfair and puts a burden on the home owner that is fair from warranted.
Consumer complaint received 2015-07-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

This is my XXXX complaint regarding my mortgage status. As of this date, the current mortgage servicer ( Seterus XXXX has told me they can not provide mortgage statements to me due to my bankruptcy status. My Chapter XXXX bankruptcy case was completed in XX/XX/XXXX. Despite using this invalid excuse, Seterus sent a delinquency notice claiming my mortgage payment was not received for XXXX, XXXX, XXXX and XX/XX/XXXX. I received this notice on Saturday, XX/XX/XXXX. I have not received any other notice indicating delinquency, which I would expect should have been sent in XX/XX/XXXX, if my payment was not received. The servicing of my mortgage was transferred from XXXX to Seterus on XX/XX/XXXX. They sent the delinquency notice to my address, using the wrong name on their documents. I am not behind in payments, I have canceled checks for all the months indicated. I am in the process of getting the payee endorsement information for these checks from my bank. Seterus is refusing to service my mortgage. Seterus is the servicing company selected by XXXX to service my mortgage. Seterus is unable and/or unwilling to service my mortgage. They also seem to have tacked on miscellaneous fees to my mortgage and have included {$1100.00} in " legal fees '' to the balance on my mortgage.
Consumer complaint received 2015-09-01
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Altisource Portfolio Solutions, S.à r.l. (FL)

The company has never sent me a notice of the debt, and has simply reported the debt to the XXXX credit reporting companies.. When sent a request for verification of the debt, the company said they they could not provide me with the information until I provided them with a utility bill or insurance card with my physical address on it. I do not have either of these because I do not pay such bills. They refused to accept a copy of my state-issued drivers license, and will not provide any information about the debt besides for the balance, which I do not believe I owe.
Consumer complaint received 2015-10-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I 've sent XXXX XXXX XXXX And Equifax multiple requests regarding removal of an old mark on my credit file regarding an old Student XXXX through XXXX XXXX XXXX that was paid/closed. 

Accordingly, I can show a judge that these accounts meet the requirements for removal and that they violated the Fair Credit Reporting Act by ignoring my requests to delete them. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way. 

I have attached copies of correspondance and a copy of a draft complaint which I intend to file if Equifax is unwilling to directly resolve this issue.
Consumer complaint received 2015-06-08
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America ( BofA ) at XXXX XXXX XXXX XXXX XXXX NJ XXXX is refusing to cash my payroll check drawn on BofA. Do they have that right to refuse to cash a " Payroll '' check, if the account has enough money and I have ID?
Consumer complaint received 2015-08-31
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (FL)

I was subjected to a fraudulent closing on a bank note with XXXX XXXXon XXXX XXXX. AFTER XXXX GMAC and XXXX XXXX all got involved. 
I filed TILA lawsuit XXXX in Fl. XXXX Circuit, and GMAC XXXX XXXX filed case XXXX, and OCWEN later allegedly tried to purchase mortgage servicing rights, but was stopped by Consent Orders with the US Treasury, Federal Reserve, and your office. 
All the issues that created your office came from me and others like me with XXXX XXXX complaints.Today I was subjected to an illegal judgment to sell my home, AFTER these consent Orders, especially on XXXX XXXX. So I want you to intervene with an XXXX XXXX by your attorney or stop them from the proposed XXXX XXXX sale.
Consumer complaint received 2015-06-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (CA)

I got into a contract for a house in XXXX, realtor name XXXX XXXX on XXXX/XXXX/15. 
XXXX strongly recommended his loan agent XXXX from Citi Bank ( XXXX ID : XXXX ). 
I talked to XXXX for couple of minutes and we set a time to go through numbers and rates and see if he can do the loan ( while I was in the deciding period as to whom I will use as a lender ) on Saturday XXXX XXXX at XXXX. ( See Screen Shot # XXXX below ) XXXX missed that appointment, then we made another appointment the next day on Sunday XXXX XXXX which he missed again. ( See Screen Shot # XXXX below ). In other words we never got to talk until appraisal. 
Surprisingly, the realtor sends me an email same Sunday morning at XXXX ( See Screen Shot # XXXX below ) that the appraisal is at XXXX the same day. At that point I had not even talked to XXXX and not even selected him as my lender, he has not even gotten my permission to proceed, he has not even disclosed if and what it will cost for appraisal. It was a surprise for me and the realtor was in on it. I did not check his email until XXXX Sunday morning and at that time appraisal was already done. ( See Screen Shot # XXXX below ) As a result of this action, he locked me to work with him only as I did not want to jeopardize my house purchase but unfortunately, he was not able to perform and I had to cancel the contract.
Consumer complaint received 2015-11-21
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (FL)

I complained to you in XXXX and was given case no. XXXX. I had a problem with Wells Fargo putting a hard hold on my deceased brother 's CD # XXXX in the amount of {$3000.00}. A Texas judge had signed a Small Estate Affidavit, leaving this money to XXXX XXXX ' XXXX siblings. The CD contained XXXX payments made to him XXXX. Wells Fargo sent me a letter after you contacted them telling me to ask XXXX to send Wells Fargo legal dept. a letter releasing the hold on the CD. I called XXXX and they said they can not do that since when the veteran died they had nothing further to do with the matter. The XXXX contact told me that only Wells Fargo could release the CD. However, Wells Fargo is refusing to honor the court order to release the money to XXXX heirs. Can you help? We are at a stalemate. Thank you, XXXX XXXX XXXX
Consumer complaint received 2016-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NC)

Equifax is reporting ( XXXX ) Federal Tax Liens in the Public Record Section of my file. I have disputed the accounts as not belonging to me. I asked Equifax how they verified information and I was told that they confirmed or verified with the XXXX County Courthouse in XXXX. I called the XXXX County Courthouse and I was told by a clerk named XXXX that there was no record of Equifax contacting or speaking with anyone from the courthouse concerning verification of these alleged liens. I then contacted XXXX XXXX to request my file and XXXX XXXX reports show no tax liens on my file. My complaint is that is it that Equifax is verifying this information when the courthouse or XXXX XXXX show the contrary. I am requesting Equifax to delete these harmful and injurious notations on my file.
Consumer complaint received 2015-05-06
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

I recieved a letter from HSBC bank in the beginning of XXXX regarding dormancy on my online savings account. I called a representative at the bank who informed me my account was locked and I needed this letter/form notarized and returned to them to re-open the account. I requested that once my account was re-opened I wanted to close it and the sum of the account sent to me in a check. The representative said to just note this on the notarized form and a check would be mailed to me. I sent this notarized form along with my written request to then close the account and mail the check to me on XXXX XXXX. Several weeks later, I did not recieve a check so I called again in the middle of XXXX at which time I was told my address on the account was listed as an old address ( I argued that this could n't be the case as I received correspondence - including the dormancy letter to my current address ). Nontheless, my address was changed over the phone and I was told I would receive a check. 2 weeks later, I still had not received a check. I therefore called on Thursday XXXX/XXXX/15 and spoke to a representative then supervisor. The supervisor told me he was going to review the previous calls as they had been misleading and that a check would be XXXX overnighted to me on Friday XXXX and that I would recieve it no later than Tuesday XXXX. On Tuesday late afternoon, I had still not received a check so I called again. I spoke to a representative who told me my account was listed as " pending closure '' which meant a check was on it 's way. I asked to speak with a manager, she told me all the managers were in a meeting and requested I call back after XXXX. This was unacceptable to me so she got a manager out of the " meeting ''. The manager ensured that a check was on it 's way. I asked her to give me the XXXX tracking number, it was XXXX and she said the department that handles that closes at XXXX so they were gone. When I informed her it was not yet XXXX, she put me on hold but said she could n't get anyone. She told me the manager I spoke to on Thursday XXXX would be in tomorrow, XXXX and could get than info and call me with the tracking number. She verified my phone number and said he would call at XXXX on XXXX ( today ). No one called, so I calld today ( XXXX ) at XXXX. I explained that the manager was to call me and was told that that particular manager was n't working until XXXX today! I asked for the XXXX tracking number but am now told a new check was sent out yesterday via standard mail. I requested that a new XXXX get sent out via XXXX so it could be tracked but am told this can not be done.