davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Paypal Holdings, Inc (AZ)

I have had problems with some merchants in which I had to file a claim with Paypal. Paypal refuses to comply with their own policy and federal law regarding my rights to dispute a charge. Cases are being ignored and never closed and I am receiving harassing emails from the company threating to close my account and take away my legal rights to file a dispute against a merchant. I am now required to fraudulently pay for all purchases regardless of never recieving the service or merchandise I paid for.
Consumer complaint received 2017-04-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

Received a letter fro m Fifth Third B ank in  XXXX  saying my mortgage payment will be adjusted down beginning in  XXXX . I sent the agreed amt as payment at the end of  XXXX  but got a letter saying my payment amt was short. I subsequently called and agreed to send an additional amt to bring my payment up to the agreed amt. Thinking everything was over, I was surprised to get letters in the mail dated  XXXX   XXXX  and  XXXX   XXXX  saying my loan was in default. I got another letter dated  XXXX   XXXX  that my payment has been posted, any late fees have been waived and credit bureau corrections have been made. I also got a check for {$1100.00} dated  XXXX   XXXX . I called  Fifth Third a nd explained that I got a check in the mail and was told that my payment was up to date. I then got some paperwork hand delivered to my home regarding mortgage payment assistance. I called  Fifth Third a gain on  XXXX   XXXX  and tried to clear up what was going on. I was told that I am missing my payment for  XXXX  so I told her I will send the payment my regular time at the end of  XXXX  along with another {$1100.00} which would represent a return of the {$1100.00} check sent. I followed up on my commitment and sent the payments. On  XXXX   XXXX  I got a notification from my bank that my acct was overdrawn. I checked and discovered that a stop payment was placed on the check that was deposited. I calle d Fifth Third an d asked that the additional amt of {$1100.00} which represented the check sent to me be returned to me since they already put a stop payment on the check. Since then I have called  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  and to date,  XXXX   XXXX , I have not received my check. I was told the check will be mailed  XXXX   XXXX . When I called  XXXX   XXXX , I was told the check was mailed  XXXX   XXXX . When I called  XXXX , I was told again the check was mailed  XXXX   XXXX . Today is  XXXX   XXXX  and I am yet to receive my check. I explained that due to this incident, my other utilities were not paid. I explained the urgency of the situation including the possible effect i t may ha ve on my job. It has all fell on deaf ears. This situation is very distressing and has severely impacted my job and my family ...
Consumer complaint received 2018-03-07
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc. (TX)

On XX/XX/XXXX, I received a voicemail saying his name was XXXX XXXX from pre-council summons of " my jurisdiction '', and he had tried unsuccessfully to serve me a summons to appear and would now be serving it to me at my place of employment. I have been XXXX and not working since XX/XX/XXXX. I called them back to find out what this was all about. The man who answered the phone did not identify himself or the name of the company. I asked why I was receiving this phone call. After providing him with my phone number he said they have tried twice to serve me a summons to appear for Defrauding a Financial Institution. I asked him what he was talking about. I have committed no fraud, let alone Bank Fraud. He then said it was in regards to a XXXX XXXX, XXXX XXXX, that I had returned to XXXX in XX/XX/XXXX due to declining health and losing my job. He explained that the car had been sold at auction and the remaining amount still due was XXXX, and they were suing me for that amount. 

I tried to calmly explain to him that the Statute of Limitations in the State of Texas is 4 years from the last date of payment on the debt. He then told me I don't know the law he does and I am the scum of the earth. When I asked if he was an attorney, he just got louder and continued to call me the scum of the earth. When I asked the name of the company he was representing and contact information he hung up. 

I called back and spoke to XXXX XXXX. I asked her the name of the company and address. She quickly gave it to me while asking what this was about and why I needed it. While she was doing this she was looking up my phone number to see who she was speaking to. When she asked what this was about and I asked had her company filed a bond with the State of Texas to collect in this state she told me they don't have to do that because they are a recovery company, not a debt collector. She kept asking why I needed to know and I told her I was filing a complaint with the State of Texas and the FTC. She said good luck trying to do anything to them. Then hung up. I called back because I was not sure I had gotten the correct city, XXXX again answered and said she didn't have time to talk to me and hung up. I had to call back a third time to have someone tell me the city and zip code. 

I believe this is the same company, operating under a different name, who contacted me last year with the same threats and insulting language and behavior. I had to actually block that number so they would stop harassing me. After researching more I have found that this company has called many people using the same tactics and have used the name XXXX XXXX XXXX XXXX, ( which is the name they gave me ), and XXXX XXXX.
Consumer complaint received 2017-04-18
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Riverwalk Financial Corporation (OH)

The company  DEVILLE ASSET MANAGEMENT  are seriously violating the FCRA. They took a charged off account that was closed and added an ok payment status on my credit report  on    XX/  2016.  They then closed the account on   XXXX /2  016.   Next, t hey removed the ok status from   XXXX   2016 an  d added an ok status for   XXXX   2016. Th  e n changed the whole history from charge off to failure to   pay. I 've ever did business with Deville Asset Management company and I do n't think it is fair for them to dama ge my credit like they are doing. I have asked them to verify the debt and they never did. This is what they did when I asked them to verify this so called debt! And I gave them ov er 30    days. They did not respond in a timely manner
Consumer complaint received 2017-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Security Credit Services, LLC (NC)

On  XXXX   XXXX ,   XXXX   ( via certified mail ), a letter was sent to  Security Credit Services  requesting documentation to verify the debt and prove my legal obligation to them for a debt they reported to the credit bureaus related toa certain account. I asked that all of the requested documentation be furnished with in thirty ( 30 ) days  of receipt of the requests, and I advised if they failed to provide any portion of the requested documentation, all references to the accounts would need to be immediately removed from my credit files and any further attempts to collect should cease.     On or around  XXXX   XXXX ,   XXXX  , I received an incomplete response from the company, and, as such, on  XXXX   XXXX ,   XXXX  , I sent subsequent correspondence ( via certified mail ) advising that they failed to comply with my initial requests and all references to the accounts needed to be removed from my credit files immediately.     To date, the company still has not complied with my initial request and has not removed this account from my credit files.
Consumer complaint received 2017-04-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rent Recovery Solutions (GA)

Rent Recovery is  attempting to collect a debt that I never established a contract with this company. Obtaining documentation or bills as third party or debt collection agency is not legal documentation or a contract that holds me accountable to owe you anything. Furthermore they are in complete violation of the FCRA law by placing this negative item on to my credit reports.
Consumer complaint received 2017-04-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (GA)

I check my credit on a daily basis due to possibly identity fraud. I viewed my credit today and on it appeared a account from a collection agency that has never made contact with me or sent a written validation notice as required by the FDCPA. I was not given the option to dispute this debt as required by law I have 30 days. Instead it was immediately placed on my credit file with  XXXX  and  XXXX  causing the denial of shelter for me and my family. My rights have been violated under the  FDPCA and I will be contacting the Attorney Generals  office in reference to this.
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Unknown Company never authorized inquiry, do n't even know or am a where of Company never owned or applied for a mortgage. Called them multiple times they are unaware of who I am never in there system. XXXX XXXX Report XXXX XXXX from XX/XX/XXXX MISC, XXXX XXXX XXXX XXXX XXXX NJ XXXX Equifax Report XXXX XXXX from XX/XX/XXXX MISC reporting agencies XXXX XXXX from XX/XX/XXXX MISC reporting agencies Please delete updated reports
Consumer complaint received 2018-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CA)

XXXX allowed someone other then myself to open an account under my name before verifying if the person opening the account was actually who they said. 
XXXX did nothing to prevent this action, and failed to notify of the issue to me at any given moment, they did not notify me of the second account under my name in XXXX, texas.
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My rights as a consumer are being violated and expect this complaint to be taken seriously, as XXXX XXXX has a history of abusing the very consumer ACTS meant to protect consumers from such overreaching violations. 

This complaint is ongoing as previous responses have been deemed inadequate and failed to provide proof of credit inquire consent or produce any form of loan request documentation that would have authorized the company in question ( XXXX XXXX ) legal right to pull my credit as outlined within the Fair Credit Reporting Act. 

It is my expectation as a consumer to be protected from unwanted an unauthorized inquires. None of the so called justifiable reasons that have been provided applies to my informal communication with XXXX nor have they provided any proof to the contrary.
Consumer complaint received 2017-04-18
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Byrider Franchising, LLC (SC)

On   XXXX   XXXX   obtained my credit report pulled by  XXXX   XXXX  Bank to qualify for a mortgage. I noticed on my credit report I had a repossession from  XXXX  reporting from  XXXX  of Charl/CNA. I have emailed, mailed, called, and faxed correspondence regarding seeing where this account came from. I have no recollection or did I gave anyone permission to obtain a vehicle loan in my name. Under the FCRA this company is obligated to provide any legal binding contracts with my signature showing that I signed for or gave them permission for this loan to be obtained in my name. I have not been able to get a response from the company regarding this account. Also according to the FCRA, this account is is  XXXX   years old  and the company is still attempting to collect on a debt past  X  years.
Consumer complaint received 2017-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

This is the second complainant regarding Beneficial Mortgage Company, ( HSBC ). The first complainant involved unpaid taxes for XXXX and XXXX. Property insurance fee of {$4100.00} Notice from XXXX County Treasury for back taxes exceeding 4,200.00. and additional fees to my account by XXXX XXXX XXXX totaling over {$6500.00} Complainant # 2 involves my conversation with HSBC on XXXX XXXX, about an increase in interest fees starting after XXXX/XXXX/XXXX. I was told by XXXX XXXX that my interest fee would increase to 3.0 after XXXX/XXXX/XXXX. In 7 years the fee would increase to 4.0 and after 8 years the interest rate would increase to 4.4 percent. The statement from HSBC states my interest rate of 2.0000 % would remain the same through XXXX. I am enclosing a copy of my monthly statement from HSBC. The statement verifies the interest rate of 2.0 percent until the year XXXX.
Consumer complaint received 2018-03-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Dear CFPB, I was in the process of applying for a XXXX XXXX Credit card online. I have not applied for credit online before. It seems that i answered some online questions meant to verify my identity incorrectly so the application was declined upon the merit of that. This was recorded as an application for credit on my report, however they simply said that they could not verify my identity online. Furthermore they refused to send me a written application. Also they said that I would have to wait 30 days and to try again. However this seems to be a pointless game. If you are a high end retailer and want the business of a customer of many years, then you would send out a paper application as a matter of course. However the call in center if far from high end. I feel that there is something wrong here. 

Application made : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Application number : XXXX XXXX XXXX/ Capitol One XXXX Also it is nearly impossible to submit a credit dispute online to XXXX   using their online form. The application deletes itself if you try to scroll down. Also it uses private credit history questions as a form of identification. It would be nicer if there was a form I could print out and send in with proper identification. I imagine if you really had a problem, you could become quite frustrated. 

That said this will be the last of XXXX XXXX and Capitol One Credit applications which I fill out. You must hear so many more serious stories than this, however I do nott like unprofessional persons playing games with my credit. 

Many thanks, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY CREDIT SYSTEMS INC (PA)

On XXXX XXXX, 2017 via return receipt I sent Security Credit Systems a letter asking them to verify a debt that was on my credit report of {$290.00} and a complete itemized accounting of this debt. Telling them if they could not provide this to delete this from my credit report. They sent a another bill for XXXX with o details of what constituted that amount. I then contacted XXXX via return receipt and asked them to remove this debt as Security Systems failed to verify what this debt was for. XXXX said they contacted them and the balance is being reported correctly, they did not address that it could it be validated with an itemized statement of services. I am asking you to please contact Security Credit Systems and XXXX and have them remove this debt from my credit report. Please see attached documents as proof of my case and requests. Also that the XXXX XXXX court requires in a ruling that itemized accounting is required to validate a debt. Thank you.
Consumer complaint received 2017-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (NC)

On   XXXX   XXXX   XXXX   ( via certified mail ), a letter was se nt to National Credit Systems requ esting documentation to verify the debt and prove my legal obligation to them for information they provided to the credit bureaus relating to a certain account. I asked that all of the requested documentation be furnished within  thirty ( 30 ) da ys of receipt of the request, and I advised if they failed to provide any portion of the requested documentation, all references to the account would need to be immediately removed from my credit files and any further attempts to collect should cease.     I never received a response from the company, and, as such, on   XXXX   XXXX   XXXX    , I sent subsequent correspondence ( via certified mail ) advising that they failed to comply with my initial request and all references to the account needed to be removed from my credit files immediately.     To date, the company still has not complied with my initial request and have not removed the account from my credit files.
Consumer complaint received 2017-04-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Focus Holding Company (CA)

I have been receive d 4 call s so far from  Focus Receivables Management   XXXX   XXXX   XXXX . Twice I tried to return their call all I got was person not in or person is on the phone. To day I left a message  Do Not   Call send me a letter with all the details.
Consumer complaint received 2017-04-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Asset Management Outsourcing, Inc. (GA)

I am making a dispute agains t Nationwide Recovery Service in  a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT,  15 USC 1692G SEC.809 ( 8  ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for  VALIDATION m ade pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit reports  (   XXXX ,  XXXX , and  XXXX   ).  This action constitute fraud under both Federal and  State Laws.
Consumer complaint received 2017-04-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Receivables Performance Management, LLC (IL)

I suddenly see an account in collections on my credit report which has not appeared as an open account for a minimum of 5 years of checking my report. Also, I have not been contacted by the originator or the collection agency regarding this debt - it simply appeared on my report out of nowhere. This account only appears on   XXXX   - it is not listed on  XXXX  or  XXXX .
Consumer complaint received 2017-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX, I made a payment on my account of {$1400.00} to bring the balance to XXXX. The next day, when I checked my account, I could not see that the payment had posted and my due date was that day, so I wanted to make sure it was paid. I tried to create a new payment, this time for {$1300.00}, but received an error message telling me I was trying to create a duplicate payment. On XX/XX/XXXX, I received notice from my bank that the company had attempted to process an " Auto-Pay '' transaction in the amount of {$47.00} to an old account that I have closed. I believe I may have given them the wrong account information when I set up the Auto-Pay, but the Auto-Pay should not have been processed at all because the card had already been paid in full. On XX/XX/XXXX, I received notice from my bank that the company had attempted to process the {$1300.00} payment, but it was rejected because I did not have sufficient funds in that account at the time. I am glad it was rejected, because according to the company 's statements, that payment would have brought my current balance to negative. The company 's system never should have allowed me to create a payment that would take my account into the negative. Over the weekend, I received several emails from a company advising they were unable to charge my approximately {$350.00} purchase to that card. On XX/XX/XXXX, I called the company to discuss the issue. The account statement viewable on their website currently shows my Total Credit Limit ( " TCL '' ) at {$1500.00}, my Current Balance ( " CB '' ) at - {$1200.00}, my Pending Charges ( " PC '' ) at {$1300.00}, and my Available Credit Limit ( " ACL '' ) ( defined as TCL - CB - PC ) as {$140.00}. They informed me that the reason my ACL was {$140.00} was because they had placed a payment hold on my account for the {$1300.00} payment to ensure  that the payment was credited. Despite several attempts, and speaking to a supervisor, the company refused to do any of the following : 1 ) remove the payment hold for the payment that should not have been allowed and is not going to be paid ; 2 ) change my ACL to accurately account for the negative value of my CB ; or 3 ) increase my credit limit so that I can use the card to a reasonable extent while their labyrinthine system processes the entire issue. The supervisor with whom I spoke refused to acknowledge that the system treats any negative CB as XXXX for the purposes of calculating ACL, but explained that having a negative CB would not increase my ACL because the company does not want to process single payments that exceed the TCL.
Consumer complaint received 2017-04-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

B ank of america has said that they cancelled the repayment agreement because I was n't paying. Well here is a copy of one  of the recent payments of the {$740.00} that I have paid. And  Bank of America d id n't apply it to my balance or payments or recent transactions on my statement. It will be check number #  XXXX  for the amount of {$740.00} on   XXXX    . This is proof that I have been making the payments that was agreed on.