davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-29
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recoveries has been contacting me repeatedly on both my cell phone numbers as well as my home phone number daily, for over a year regarding an aged debt. After verifying the original date of delinquency from an older credit report, I then compared it to a more current XXXX and saw that the debt had been re-aged. I immediately disputed the validity of the debt with the credit bureaus who moved the account earlier in 2015. The calls had stopped temporarily, then started again and it began relentless. I even told the person the debt was aged and they continued to call. At XXXX point, I said that debt was no longer mine with the though process that since the debt was no longer collectible, that would be the correct tactic. To no avail, the calls will not stop.
Consumer complaint received 2015-09-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I owed a past due bill to XXXX XXXX XXXX that was turned over to XXXX XXXX on XX/XX/XXXX. I called XXXX XXXX XXXX in XX/XX/XXXX to pay the bill in which they instructed me to pay the bill directly to XXXX XXXX. I called XXXX XXXX XXXX on XX/XX/XXXX and paid the total amount ( XXXX ) plus a fee of XXXX, XXXX total. ( Confirmation # XXXX ) 6 months later I see the debt on my Transunion credit report still stating that it was open and still in collection! I called XXXX XXXX XXXX in which they could not find my record! They feel it is due to me paying off the bill? But they ca n't report it paid? XXXX XXXX states that it is not their responsibility to show it paid either???? ( I filed a XXXX complaint against XXXX XXXX when they would not respond to my emails or calls ) They only answered the XXXX complaint of course. 
Now what am I supposed to do?
Consumer complaint received 2016-02-16
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (MA)

My ex wife took out a modification on the original mortgage without my signature. Ditech Financial LLC. When I contacted them they told me my name should have been on it as well as other banks told me the same thing. I am remarried and live with my current wife at an apartment that we have lived for 6 years. I pay XXXX per month and I am trying to take out a mortgage but Ditech continues to report negatively to the credit bureaus as my ex wife does not pay her bills on time as they know that i do n't live nor see the bills that go to that home. The only reason i found out is by trying to get a mortgage and I saw the modification and have spoken with them and they have been horrible as far as sending me the proper paperwork. They know they made a mistake by doing the modification without my signature and it is holding be back from moving, etc.
Consumer complaint received 2016-01-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Amsher Collection Services, Inc. (CA)

On XXXX/XXXX/2016 I recieved a call from an XXXX that left a 40 second voice mail upon not being answered that said nothing. Upon researching the number I discovered that it was a collection agency that was sold a debt from XXXX. 
I called the number and spoke to a XXXX XXXX, who told that that I owed {$100.00} on a past due XXXX phone bill. 

I immediately told her that the matter was an error that was in the process of being solved due to a mess up on XXXX when setting up service. XXXX sold the debt prematurely to Amsher collection when they have acknowledged that there was a mistake made when switching payments over to another account. 

When I asked for a breakdown of the debt, I was told that there was {$94.00} due on a phone. When asking about the other rest of the money due on the account, I was told by XXXX XXXX " You should know about what 's due because it 's your account '' ; a statement berating me for asking to be granted rights under the FDCPA. 

In addition, Amsher Collection has not sent any notice through mail allowing me the right to verify the debt, nor my right to dispute as of XXXX/XXXX/16, or even that the debt was sold to them. Immediately after the phone call, I spoke to XXXX 's customer support about the matter and was told that I have to negotiate with Amsher Collection and that I should be given a breakdown of the phone bill through them, because the account has left XXXX. 

XXXX has mentioned that any possibility of buying the account back is impossible and that I have to speak to the collection company to settle the matter. I have not been given a proper break down of the bill and I honestly feel that the companies are asking for more money than they are entitled to, especially considering I have made multiple accounts to have the matter fixed in person and over the phone with XXXX.
Consumer complaint received 2015-12-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMA Advisors, LLC. (TX)

Our previous mortgage holder transferred our mortgage to HomeBridge Financial in XX/XX/XXXX. We have always paid our mortgage payment and sent an extra check for {$1200.00} to go toward our principle. Since they have become our mortgage company, they have applied that extra check as another mortgage payment and then applied the extra as the principle. This happened in XX/XX/XXXX and in XX/XX/XXXX. They are now saying we do not owe a payment until XX/XX/XXXX. Instead, we want that applied as principle to help our interest payments. I e-mailed the company on XXXX XXXX, 2016 asking them to correct this and all I get is assurances that it has gone to their accounting department.
Consumer complaint received 2015-12-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Management Services, LP (OH)

Capital Management Services calls multiple times per day, but will not say who they are calling for at my number. When I return the call, they ask for my name and the last XXXX digits of my SSN, but I refuse to give them that information. I will gladly provide my phone number ( since they already have it ), but they can not cross reference a number to a person. They threaten to garnish my wages, but they do n't even know who I am. This can not be a legitimate debt collector.
Consumer complaint received 2015-04-18
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: WAKEFIELD & ASSOCIATES, INC. (AR)

This is the closest category to my situation. XXXX XXXX was authorized to withdraw {$200.00} a month from my bank account with my bank. Around Friday afternoon on XXXX/XXXX/2015 a check went thru the bank and was rejected pending manager approval for {$1700.00}. I can not contact the bank manager until Monday XXXX/XXXX/2015 to attempt to plea my case. XXXX XXXX has not contacted me since our conversation last year. At that time they only had permission to withdraw $ 200 monthly from my account. The collection agent was very rude at the time. No further communications have been received from them by mail or phone. No communication was made about a {$1700.00} draft on our account. No communication was made about a forced final payoff. The collections agent scheduled a return call for XXXX of 2015.
Consumer complaint received 2015-09-17
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank is reporting in my file that I missed a payment which is not true. When payoff was made on my account with then they presented the payoff amount to me and the total amount was paid off as they requested. I was never ever missing a single payment and somehow they got confused and are showing 1 month as missing aand not paid. I never ever missed a payment,
Consumer complaint received 2016-01-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank America made me signed an agreement with out disclosing the interest rate or the new term of the loan. I was just presented a lower monthly rate. I was happy to see the new mortgage rate was low. But after it was said and done. The interest rate remained the same and term.
Consumer complaint received 2015-04-20
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Fidelity Account Services LLC (TX)

Fidelity Account Services called me on XX/XX/XXXX about an amount owed to a former college that I attended in XX/XX/XXXX/XX/XX/XXXX. I have never heard of this debt in fact I had received a refund when I withdrew. They sent me a barely readable form clearly showing my refund as well as an amount added for XX/XX/XXXX semester which I did not attend. i contacted the former college and they have no record of this being owed and show a refund given on my account. I do not know if this is a scam to collect money not owed.
Consumer complaint received 2016-01-13
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: GreenSky, LLC (CO)

A loan was taken out in my name. I was sent a letter saying I had taken out the loan when I had not. I called to learn more and was asked to provide my social security number, I did not. Then I got a letter saying I owed on the loan I never took out. I wrote the company to dispute the loan. I then got a letter saying I would be reported as not paying the debt. The debt was on my credit report. I disputed this in writing, filed a police report, put a fraud alert with the credit agencies. The company is Greensky Loan Services. Located in XXXX, GA. The company number on the credit report does not go to a working number. However, after I called, someone called me back and said they had received 1 of my written disputes. They again asked for my social and asked me to fax the police report. I did this. It seems odd that this company created a debt, and reported this to the credit agencies. It may be a case of stolen identity, or it may be a scam by this company Greensky.
Consumer complaint received 2015-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX XXXX XXXX This account was deleted off my credit file in XXXX. See attached proof from the bureaus. This account has been paid and closed. I do not understand why it is reporting again on my credit file again. Delete this account off my credit file immediately!!
Consumer complaint received 2016-02-17
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Dynamic Recovery Solutions, LLC (CA)

I had incurred a pay day loan 15 years ago in 2001 and I have n't had a debt since. I filed bankruptcy and this debt was covered in the bankruptcy. However, this debt collector continues to send me letters and places numerous phone calls to my phone and I 've asked them to seize. Firstly, the debt was over 15 years ago, and secondly they are not authorized to collect on this debt and thirdly this was dismissed in bankruptcy over 13 years ago.
Consumer complaint received 2015-09-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

There are a couple medical debts listed which I do not owe. This information was confirmed with the actual collection agencies them self. The items still appear to be listed on my credit file and with balances. What happen to " Credit Bureaus offer relief to consumers with medical debt '' For example, existing medical debt defaults that finally get paid -- whether by the insurer or the patient -- will be deleted. 
The accounts in question areXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX # XXXX and XXXX XXXX which is not a medical debt but a violation as I do not owe this.
Consumer complaint received 2016-01-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (GA)

Experian has failed to cease reporting the inaccurate information on my credit report. I have filed numerous disputes, notified the creditors, and hired a credit agency to assist me to no avail. 
1. XXXX XXXX XX/XX/XXXX is being reported by Experian as charged off, this is not my debt. 
2. XXXX XXXX XX/XX/XXXX is being reported by Experian as charged off, Potentially, negative this is not my debt. 
3. XXXX XXXX. is reporting Potentially late, this is not potentially correct 4. Inquiries on my report were unauthorized : XXXX XXXX, XXXX XXXX
Consumer complaint received 2015-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Penn Credit Corporation (WI)

Penn Credit is attempting collection of an alleged debt on behalf of XXXX XXXX who had provided brokered gas utility service to us when we lived in Illinois. We have provided documentation from XXXX XXXX of Illinois to both XXXX and Penn Credit proving XXXX has been paid in full by XXXX on our behalf, yet collection efforts continue.
Consumer complaint received 2015-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (GA)

I open an account with XXXX XXXX on XXXX/XXXX/11. I filed a Chapter XXXX case XXXX. XXXX XXXX file a claim. XXXX XXXX are receiving payments on the claim. XXXX XXXX refuse to update the correct balance on my credit report. XXXX XXXX also sent me a XXXX to pay taxes on this debt which is included into a Chapter XXXX.
Consumer complaint received 2015-07-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I recently opened a checking account with Bank of America. I made a {$80.00} withdrawal XXXX XXXX. A few days later when I went to make a withdrawal my account showed XXXX balance. I knew I should have had around {$500.00}. I call the bank to find out what happened and was told of XXXX more transactions made a few minutes after I made my {$80.00} transaction. I did not lose or misplace my debit card. I filed a complaint over the phone with the bank rep. Bank of America replaced {$800.00} the next day but when my payroll check came in the automatically took the {$800.00} back out of my account. I called the bank and requested to see the film of my account transactions so I could prove that it was not me that made the other transactions. They said ok but never contacted me. Now not only did they take my hard earned {$500.00} but they also show me owing them {$300.00}.
Consumer complaint received 2015-06-02
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

I turned in the XXXX lease car for a new lease car at nissan dealership. I was told all would be taken care of. XXXX debt collectors begin calling about damage to XXXX of {$400.00}, harrassing phone calls, were told to stop ..kept calling ..were told to send info about lease car damage ... none sent..calls continuing..XXXX XXXX XXXX, XXXX XXXX various numbers used
Consumer complaint received 2015-12-30
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: U.S. BANCORP (CO)

USBank and XXXX -This card was charged off back in 2001 they attempted to put a lien on my home but it fell off but since then I 've sold the house. I have not heard from these people for XXXX years and all of sudden they are trying to serve me. This company is harrassing my family members.
Consumer complaint received 2015-06-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (WA)

Please be advised that this complaint involves Citibank and my previous complaint case # XXXX. Please note that the person named answering the previous complaint XXXX XXXX XXXX XXXX is not the party that actually answered my complaint through the CFPB. I spoke with XXXX XXXX today on XXXX different occasions, where she stated she XXXX ) Is a private contractor hired to help out the Agency and Trust Department of Citibank XXXX ) She is not an employee of Citibank NA and XXXX ) she just returned from being out of the office for an extended period of time. At approximately XXXX I was contacted by XXXX XXXX colleague at Citibank, XXXX XXXX in California who claims she is a VP of the Agency and Trust Dept. at Citibank. She informed me that XXXX XXXX is not an employee of Citibank and there is no way that XXXX XXXX could have answered a complaint from CFPB since she is not an employee of Citibank NA. She stated she would forward my emails to XXXX XXXX to XXXX XXXX at XXXX XXXX. A consumer/homeowner should not be led to believe that a specific person from any bank entity is the party responding to a complaint, when in fact they are not the party at all responding. I have conversed with XXXX XXXX XXXX time today at XXXX and I have conversed with XXXX XXXX on XXXX separate calls today at XXXX. While there is no harm committed with regard to their response in that I should contact XXXX XXXX at XXXX XXXX, it is still misrepresentation that I am being led to believe that an accountable party from Citibank is supposedly answering my complaint, when in fact this is not the case. The fact is that someone else wrote the response and attached the private contractor XXXX XXXX XXXX XXXX to the response to my complaint. I would think this is a clear violation of the consumer protection law. Again, nothing is as it seems. The deceptive web is a finely engineered model, and its intent is clear. I do not blame XXXX XXXX, for how could she have possibly known without my contacting her! There has to be some accountability for this mistruth somewhere though! 
Thank you. 
XXXX XXXX
Consumer complaint received 2016-01-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

I opened a checking account with USAA to which I set up direct biweekly deposits in the amount of {$100.00} each. My wife was a joint account holder on the account. This account served as a " sinking fund '' into which I put money aside ; there were no withdrawals, and so I did check the account balance until I was sure that a few direct deposits had been made. When I checked the balance, I discovered XXXX withdrawals totaling {$170.00} which I had not made. I knew that my wife, the joint account holder had not made these withdrawals. USAA 's customer service rep told me the funds had been withdrawn by the bank itself ( i.e. " set off '' ) pertaining to an account held by my wife PRIOR to our marriage. Thus, USAA wrongfully set off the funds for a debt that was not legally mine because that debt arose prior to my marriage and can not legally be attached to me. Further, I do not live in a community property state.
Consumer complaint received 2015-12-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC (PA)

I worked out a settlement with XXXX and Transworld Systems. We were told by representative XXXX XXXX that we could receive a settlement letter dated for XX/XX/XXXX which gave us the time we needed to transfer settlement funds from a retirement account. However, the settlement letter stated the due date of XX/XX/XXXX. When our representative called back in and spoke with team leader XXXX XXXX, she said that the payment could not arrive on XX/XX/XXXX and had to be there on XX/XX/XXXX - a complete contradiction to what we were previously told and planned for. We then offered to have the letter driven to the overnight mail location, and XXXX XXXX said that this may not be possible. We do n't understand why it 's not possible to hand deliver the letter ourselves on XX/XX/XXXX if they went back on their promise of extending the due date to XX/XX/XXXX. When our representative tried to ask her for either a new letter dated XX/XX/XXXX or to be able to hand deliver it on XX/XX/XXXX, she laughed ; and then claimed she had no ability to send any letter and did not know how to coordinate a delivery in person. We 've done everything possible to meet Transworld System Inc 's demands, only to find that they send erroneous settlement letters and change their demands depending on who happens to answer the phone when our representative calls. We are filing this complaint because we want Transworld to honor the terms of the settlement that we agreed to and to facilitate either the delivery of the settlement payment in person on XX/XX/XXXX or to be able to get an extended letter for XX/XX/XXXX. XXXX XXXX 's response to the situation was unhelpful, insulting, and disrespectful given that we are doing everything possible to meet Transworld Inc 's demands after being promised the payment could arrive on XX/XX/XXXX by rep. XXXX XXXX.
Consumer complaint received 2015-06-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PROVIDENT FUNDING ASSOCIATES (TX)

The lender quoted me the estimated settlement or " closing costs '' and their " credit '' that they would apply to those costs, and sent me a Good Faith Estimate. They quoted an interest rate of 3.875 and credits of {$2100.00}. They did tell me that until my Home Equity Line of Credit lender signed their Subordination Agreement, that they could not lock in the interest rate that they quoted me. They said nothing, however, about doing away with or changing the credits against the closing costs. I checked the document that I signed and see no language about the credits against the closing costs being subject to change. Here is the language : and agreed to on XXXX that the rates and PF credit could change also indicated in the subordination agreement you acknowledged before getting started. " Once the Subordination Agreement is received and approved by Provident Funding, I can lock an interest rate, subject to current market rates and pricing ''. Nothing is stated about the closing cost credits being subject to change. First off, I see no reason for the lender being unwilling to lock in the rate while waiting for the Subordination Agreement, and making the rates conditional upon the receipt of that Agreement, but they were unwilling to do that. I was unaware, however, that the credits against the settlement charges were subject to change as well -- that seems unfair to the consumer. Here 's why -- if the credits go away or are substantially changed when the lender is finally willing to lock in the rates, the borrower is stuck with the out of pocket expense of the Appraisal -- which in my case was {$470.00}. That 's a lot of money to the average consumer! So now, if I 'm not happy with the new " bait and switch '' rates and credits that the company is now quoting, I have no choice but to be stuck with the out of pocket expense of {$470.00} -- which I have been informed by several mortgage lenders is not transferrable to another lender! I have to pay that money all over again. They have me backed up against the wall and seem to be able to quote anything they want at this point! How is this legal and fair?