davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TFS FINANCIAL CORPORATION (OH)

XXXX ,  XXXX , Assistant Prosecuting Attorney of the Civil Division-Tax Unit. Sent an e-mail to  XXXX   XXXX  on Tuesday,  XXXX   XXXX ,  XXXX  at  XXXX    XXXX   It was also sent to  XXXX   XXXX   XXXX  It was titled FW : proposed Confirmation Entry In the body of the text it states the following Hello I approve of the Entry Thank You  XXXX   Jin Assistant  Prosecuting Attorney Civil Division-Tax Unit  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  OH  XXXX  Phone  XXXX  Fax  XXXX  Office of  XXXX   XXXX   XXXX  County Prosecuting Attorney  XXXX  County Prosecutors  XXXX   XXXX   County Prosecutors Office  This e-mail was sent in response to the e-mail sent on Tuesday,  XXXX   XXXX ,  XXXX  at  XXXX   XXXX  from  XXXX   XXXX   XXXX , Legal Assistant at  XXXX ,  XXXX ,  XXXX ,  XXXX  and  XXXX   XXXX  LPA with the Subject proposed Confirmation  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  al Case No.  XXXX  Our File :  XXXX  Good Morining Please see the attached proposed judgment Entry Confirming Sale for your review and approval. Once you have had a chance to review the Entry Please provide either your approval or changes.     I never have the opportunity to review this information. Please  e  send me the entire attachment titled  XXXX   XXXX c and//or what is titled Our File :  XXXX  in the e-mail of  XXXX   XXXX   XXXX   ( debt collector ) Please answer the following questions : 1. I was never given the opportunity to read this file titled Our File  :  XXXX  please explain in detail what information is in this file?    2.  Please send me a copy of all information in the file and any documentation associated with the file  3 . What is the contents within the file you received from  XXXX   XXXX   XXXX   4.  Why was it sent to you to revie w 5. What is the meaning of Entry 6.  Is the Judgment Entry that is confirming the sale for  XXXX   XXXX  to review actually a DRS book entry that comes from a direct register system in DRS ( book-entry ) form. If so is the entry or entries associated with either   XXXX   XXXX  ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX , or   XXXX   7. Who provided you with the information that is contained in the attached titled  XXXX    XXXX   and/or the information within the e-mail identified as Our File :  XXXX  The original e-mail is attached
Consumer complaint received 2017-04-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (NY)

I was making my mortgage on time and then a person called me on my phone from  XXXX  they told me not to pay the bank so i make payments to them each month a total of {$6000.00}. Then they told me I did not qualify because I was working off the books on my job. Then I started working with the  XXXX  and now I am a  XXXX   XXXX  for about 3 years now.   First my loan was with  XXXX   XXXX , then  XXXX   XXXX   XXXX , then  XXXX  and now Seterus.     Each bank I send all papers all paystubs everything they want.   Then I receive a letter from Seterus saying I could not get the modification because I did not give them the initial payment. They never sent me anything about the trial payments. Please help me save my home.
Consumer complaint received 2017-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I opened a Checking 's account With citizens and waited for my card to come in the mail for about a week and a half. When i finally received it i called and activated it, it said it was successful. However when i went to use it I got declined so i called customer service they told me they fixed t and my card should work. so i head back to the store,  Again declined. so again i call customer service they said i never activated my card i told them i did twice now and they said no problem and the card should work not. So now for the third time i head to the store, the only difference this time was when my card got declined the cashier told me t came up expired. so now again calling customer service i asked to speak with a supervisor and after being on hold for 43 minutes i got someone saying all the supervisors were busy and that she could help me. She explained that the mailed out the card had then ordered a replacement card. I asked why they ordered a replacement card they could n't tell me why. Then told me it would go to my new address ( which i had to call 4 times just to get them to change before actually having to go in the branch for them to actually do it ) it did not in fac t it went to an address i never lived at coincidentally it was a friends house thank  XXXX  for that or someone else would have had my bank information. but even worse is now that i finally got my new card after a months wait i go to use it and guess what. You 're right DECLINED. so now I 'm getting late fees because citizens screwed up and wont let me access my money!!!!
Consumer complaint received 2017-04-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (TN)

Lender : Professional Bureau of Collections of Maryland , Inc . XXXX XXXX XXXX, XXXX XXXX, CO XXXX Phone : ( XXXX ) XXXX I was contacted by this collection agency, on XXXX/XXXX/XXXX to repay a student loan I had that went into default in the amount {$5300.00}. The lender aggressively advised me that they had completed an " asset investigation '' and how much available balance was left on a credit card and advised me to max out my credit cards to make the payment. I was also advised to take out a title loan on my car for {$2100.00} to settle the debt and to make the payment. One of the " bosses '' that I had a conversation with told me about how lucrative of a business they had collecting debts and that 's the only reason he was still in that trade. I received a call today XXXX/XXXX/XXXX and was advised that my payment did not go through for an amount that was completely out of my range. I told the representative that I could not max out my credit cards and the amount requested XXXX was completely out of my range. I told them I was susceptible to making arrangements to getting the account current and making monthly payments. The representative told me that they did an " assest investigation '' and knew that I was employed and would seek alternative resources to collect the debt. I still want to get the account current and work so that it eventually gets paid off.
Consumer complaint received 2017-04-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelson Cruz & Associates LLC (CA)

My name is  XXXX   XXXX .  Nelson, Cruz & Associates  debt they claim I owe, but I have been unsuccessful trying toget a proof of their claim.     Please find below a copy of the letter I 've sent them :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX   XXXX  XXXX  XXXX   XXXX   XXXX ,   XXXX    Nelson, Cruz & Associates  and  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Filed Dispute to  XXXX   XXXX   XXXX   Nelson, Cruz and  Associates In regards to my previous conversation with your company regarding : File No :  XXXX  Debtor Id :  XXXX  Client :  XXXX   XXXX   XXXX  Creditor :  XXXX  Current Balance : {$7000.00} Client Claim :  XXXX  Reference to your pdf email  XXXX ,  XXXX    XXXX  .     I did not agree to any such paymentnor authorize you or any company you represent for a payment of {$2000.00}. Your request seemfurnished anddeceptive. And I do perceive your business practices as unfair.   Your business practices is aggressive andviolated federal law.   Im hereby asking you again for PROOF of your claim.   Additionally, I have found grounds to conclude that your company is misrepresenting itself and making up threatening actions that are illegal. None of these practices are lawful.   Validation of debts and Fair Debt Collection Practices Act You did mentioned the validations of your claim by anexecutive order and that  XXXX  was under auditboth documents asreasons you claim validates your claim.   I asked you for both documents which you have refused to address.   None of these intentional frequency and persistence of noncompliance practices by companycomplies  XXXX   XXXX   XXXX  Practices  XXXX  by federal trade commission in reference to you letter dated  XXXX ,  XXXX    XXXX  .   In this regards I am hereby asking your company or the company you claim you represent to once againadresse myprevious request.   Please send me a documented PROOF of your claim.   Acquisition of location information Your Company Email letter heading is confusing and in regards to this I also want to know if your company i s Nelson, Cruz and Associatesor  XXXX    XXXX     XXXX or both?     Thank you,  XXXX   XXXX .
Consumer complaint received 2017-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Equifax refuses to take a very old closed account off my credit report. The account was last reported in  XXXX  11 years ago.     Account Details Last Reported Creditor Name   XXXX   XXXX     XXXX  Account Type Account Status   XXXX   Opened Date  XXXX   XXXX ,  XXXX  Closed Date   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Monthly Payment --   XXXX   XXXX   XXXX     Balance {$600.00} Highest Balance {$10000.00} Payment Status  XXXX    XXXX   Payment Status -- Date of Last Payment -- Amount Past Due {$600.00} Times  XXXX / XXXX / XXXX  Days Late  XXXX  Remarks --
Consumer complaint received 2017-04-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Coulter Dove & Harris, PC (VA)

I was never notified in any way, by mail, email or phone call, of the court case or that there was even a debt collection to my name. On top of not notification being received, the debt collector argued they had tried to send mail but put no efforts in finding my actual address, although I had officially changed it within the  DMV.  Another issue is that I am involved in this case, solely because I am not a minor and had lived with my mother, the sole person responsible for this debt is my mother and the debtors decided to charge both of us, simply because of my age.
Consumer complaint received 2017-04-25
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Commonwealth Financial Systems, Inc. (DE)

This company is attempting to locate me. I tried to call and was told the person was unavailable. This compa ny CFS ( Commonwealth Financial Systems ) co ntacted my brother who resides in a different state. The representative was rude and used profanity. The company 's address i s Commonwealth Financial Systems    XXXX   XXXX   XXXX   XXXX   XXXX  , Pennsylvania  XXXX  I will leave a message for this company to not call me or my family as of   XXXX   XXXX   XXXX    . I have never received any documents or correspondence in regards to their alleged dispute.
Consumer complaint received 2017-04-26
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CNG FINANCIAL CORPORATION (MO)

I,  XXXX   XXXX , took out an installment/payday loan at the Check 'N Go location at  XXXX   XXXX   XXXX ,  XXXX   XXXX , MO  XXXX  in  XXXX    XXXX  . The hours where I work got cut down, and I have been having difficulty paying the payments. This company began calling the place I work,  XXXX   XXXX , on days I was not at work, and my manager asked them to stop. Then today,  XXXX / XXXX /  XXXX   they called again, and I told them that I was not allowed to receive phone calls here. I am actually not even employed by  XXXX   XXXX , I am a temp worker through  XXXX   XXXX   XXXX . I finally had to hang up on the lady,  XXXX . Then another person from Check 'N Go called back almost immediately. I told the man again, that I can not receive personal calls at work, and not to call again. They immediately called over and over while my manager told them to stop each time. They told her that they could call whenever they wanted, and would keep calling. She tried reporting this to the corporate office, so far with no results. I may very likely lose my job over this. Please help me.     Sincerely,  XXXX   XXXX   XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  MO  XXXX
Consumer complaint received 2017-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Network Inc (CA)

I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On   XXXX   XXXX   this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report.
Consumer complaint received 2017-04-26
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 — Problem with personal statement of dispute
Company: Account Control Technology, Inc. (MN)

My student loans are in default. I have entered into a payment arrangement with ACT, the collection company for the loan issuer. The  Dept of Education tells m e they will not report my payments to the credit bureaus.The loans will stay in default. They also have  XXXX  loans issued by the same bank and although the original loan shows on my credit as  XXXX  loan, now they are separated into  XXXX  loans making my credit even worse. I thought making payments would be reflected on my credit but all it shows is that they are in default. I do n't expect that to change  ( th e default ) however, they should have to report my payments and show that I am trying.
Consumer complaint received 2017-04-25
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Debt Management Partners LLC (CO)

on  XXXX / XXXX / 2017  I received a message saying that i was to be served and that the company had made multiple attempts to server me and this was my last opportunity and that if I were not home it would be viewed as refusal to accept.I have never been notified of this debt b eing turned over to collections before. I Was home all day the next day and no one showed up. Called my county c lerk and no case was found using the case number the company had provided. Within this first message was a phone number to call if I wanted to settle out of court. On  XXXX / XXXX / 2017  I called number that was in message and spoke with an  XXXX   XXXX .  XXXX   XXXX  explained that the debt was from a previous payday loan I had taken out. He then further went on to ask if i wanted to settle this now before it became a public matter. I told  XXXX   XXXX  I would call him back on  XXXX / XXXX /   2017  if I were able to make funds available.  XXXX   XXXX  called me on  XXXX / XXXX / 2017  at  XXXX   XXXX ,  XXXX / XXXX / 2017   XXXX   XXXX ,  XXXX / XXXX /   2017  at  XXXX   XXXX ,  XXXX / XXXX / 2017  at  XXXX   XXXX . I then called  XXXX   XXXX  back and told him that I did not have the funds together now. I also asked him for information regarding his company and he said he would be able to give me all that after we had made arrangements. So even as of now I do not know what company he is with only that his number is  XXXX
Consumer complaint received 2017-04-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION (FL)

In  XXXX  M  & T Bank sent a letter claiming that the information in my file was out of date. How do they know it 's out of date? They required me to place a phone call to update my data ( which may not actually be out of date ). I find it inconvenient to contact call centers, so I took no action. How does M & T even know I have a phone that can place outbound calls? M & T did not state what information they believed was out of date, and did not give a convenient mechanism for me to verify the information. It 's unreasonable for M & T to spontaneously force customers to jump through inconvenient hoops in such an unsolicited manner. VOIP services charge a measured rate, even when dialing toll-free numbers. M & T m ade an unreasonable assumption that I had a phone that could make outbound calls, and also that the phone service would not cost me anything to place the cal l. M & T c losed my account in  XXXX  apparently for opting not to deal with their call center. They should have mailed me the information they suspec t may be out of date, and provided a prepaid envelope for which to reply.
Consumer complaint received 2017-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCS Financial Services, Inc. (KY)

I filed bankruptcy in  XXXX   XXXX . I paid off all the debt the bankruptcy said i owed in  XXXX   XXXX .   I recently applied to rent a house and the property management company said there was a debt with   XXXX   insurance for {$110.00} from  XXXX . I contracted  XXXX  and they gave me the number of the collection agency that it had been turned over to. I called them and explained that I had filed for bankruptcy in  XXXX  and the   XXXX   debt was never mentioned and that I was n't responsible for it. They just kept asking me how I was going to pay for it and offering lower amounts if I paid over the phone.
Consumer complaint received 2017-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (NJ)

On or about  XXXX   XXXX  ,2017 we ha d water damage due to a storm in our area, we submitted a claim to our insurance company and the  XXXX  came and looked at the damage and after a few days we received a check in the amount of {$3700.00} dated  XXXX   XXXX  ,2017 an d it was payable to my husband and the bank, which means it needs their endorsement. I called the customer service number to get the address and I spoke to  XXXX , she gave me the address and I mailed it. Two weeks later I got a phone call from the bank asking me for the copy of the  adjuster 's  report, when I questioned why they said it is policy and procedure,  XXXX  did not know this policy and procedure and as a result I still have my water damage. I mailed the copy of the report on  XXXX   XXXX ,  2017 till t his day I do not know if they received it because no one knows anything!!!! My water damage is getting worse but I ca n't fix it because I need my money! all the bank needs to do is endorse the check and mail it back to me I made several attempts to reach out to them and no one knows anything!!!!!! I want to solve this problem in a timely manner please help me.
Consumer complaint received 2017-04-25
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Bank of America se nt me a letter stating that I will not be charged a maintenance fee as long that I was in rolled in a cash back deal. But I 'm getting charged a {$5.00} fee anyways.
Consumer complaint received 2017-04-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

After carefully reviewing my credit report for inaccuracies I noticed several and contacted   XXXX   via Postal Mail. I contacted them about information that was inaccurate, they 're reply was that the information was verified and would remain on my credit report. I wrote them again requesting the method they used to verify. Which under FRCA is my right to do. They replied for me to contact the credit agency listed. I contacted them AGAIN, for the THIRD time requesting the method they used to verify and instead of furnishing me with the information they updated a comment on my credit report. Telling me that they will no longer investigate my complaint and to contact the original creditor. Which I have still have no validation of these debts. Four months later I still have no method of verification for the following items   XXXX   XXXX   #  XXXX ,   XXXX   XXXX   #  XXXX ,   XXXX   XXXX   #  XXXX .  XXXX  needs to furnish me with the documents requested or delete these accounts from my credit report!!!!!!
Consumer complaint received 2017-04-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Experian has reported multiple inaccuracies on my credit report with out a proper method of investigation that is enforced FCRA laws which state that they have t o show me " Physical, '' proof of how they were to able to verify these inaccurate accounts. They must show proof of who they spoke with, when they spoke to said person and a contact number for said person. Stating the company name is not verification. They have not provided me with any physical proof just a speculat ion stating an item was " verified '' or " remains '' which is not a verification. They are not following the law and has show a total disregard of following the law. I have attached a letter which describes all the inaccuracies and and my identification to prove my identity.
Consumer complaint received 2017-06-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION (GA)

In  2011  I had a   XXXX   XXXX   at  XXXX   XXXX   XXXX  in  XXXX  GA which was paid for at 100 % by my insurance. I was called back for  XXXX  additional procedures. No explanation was given to me in reference to why I was called back. Then the physician during an   XXXX   asked if I had had any  XXXX   XXXX  I replied yes and that I had been asked that question on my first visit and had answered yes. She said " oh, then you are fine '' and immediately stopped the  XXXX . It became apparent that the tech did not write down the very pertinent information which would have saved me  XXXX  extra trips to the hospital and the subsequent bill. I received a bill for {$370.00} for her mistake. I wrote a letter and called repeatedly but was ignored. I never received a response. Then they filed the debt on my credit report.  XXXX   XXXX   XXXX  had no right to charge me for their mistake. I filed another dispute with   XXXX   and the response was " This creditor has verified to  OUR company that the balance is being reported correctly '' It adds insult to injury when the hospital staff screws up and then charges the consumer for their error.