davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (WA)

I create a account with coinbase on XXXX/XXXX/XXXX I bought : " XXXX bitcoin '' worth XXXX dollars And i also bought " 2 ''  ethereums worth XXXX dollars And for some reason since the first day they transfer the money from my bank to coinbase account I was not able to sell pr buy more of any virtual currency ... i kept trying and trying and nothing Finally I called them up to this phone number XXXX ( XXXX ) XXXX and talk to them about the problem on tuesday XXXX/XXXX/XXXX They told oh its okay we are going to guide you to the process to make a new account ... and they start " guiding " me to send my funds ( by this time my funds where XXXX dollars for bitcoin funds and XXXX dollars for ethereum ) to my " new '' account and then after i sent my funds where they told me to do so.. they say in a few hours we are gon na send you an email with the link to your new account ... 
I say ok .... 
And like 2 hours later the same guy that helped me ( XXXX XXXX ) called me up from this phone number XXXX XXXX XXXX XXXX XXXX asking me if i received that email ... i said no not yet ... then he said ok you 'll receive it shortly .... 
i called him an hour later asking him about that email, he said just call me tomorrow because our services hours are out ... 
I called him next day asking him about the email he said that he didnt remember me ... start asking my info .. i gave it to him ... and all the sudden he hang up the phone ... i tried to call his number and the line didnt ring at all ... after that i call him on the other phone number ... same guy answers and I say heyy what happened to the other line? He said that line was down .. i said ok well explain to me about my new account ... he said oh my manager will talk to you about it ... i start talking to the manager he said for me to be able to open my account i had to deposit XXXX on my coinbase account .. i said i dont have that money ... he said ok well then you wont be able to recover ypur account until you deposit XXXX and hang up on me .... after that he texted me from this same phone number that i will receive that email in 48 hours .. i havent received any email and i try to call him several times and it seems like they blocked me ....
Consumer complaint received 2015-09-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NJ)

In a nut shell. Initially I was with XXXX. Now they switched me to Greentree. XXXX solicited me to refi for a lower mortgage rate. Instead of doing that they force placed flood insurance on me started taking over paying my taxes and homeowners policies and demanded an extra {$1200.00} a month for an escrow account upon which they were not contracted to do. I have submitted all proof from FEMA since 2008 that I do not require flood insurance but they did not care. They began pre-foreclosure on my home, despite the fact I have not had a late payment with them in years. I have since paid legal fee 's and mortgage rescuer fees in addition to the {$1200.00} they demand for escrow. Not of this makes sense and they refuse to reply to anyone including my attorney who has all the paperwork. His name is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXXYou can also contact my Insurance agent XXXX XXXX from the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 's XXXX. Despite the Class Action Lawsuit lost against XXXX they continue to try stealing my house from me, ruining my credit and XXXX every last penny out of me. Thank you for your help and consideration.
Consumer complaint received 2017-12-23
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AES/PHEAA (MI)

I have a private student loan on my credit report under XXXX ( XXXX ) and XXXX XXXX ( XXXX ). This loan is from XXXX XXXX XXXX. I was unaware that the loan in question was in default as I was a cosigner on a student loan intended for another person. It was only until recently I 've looked up my credit and started repairing it. I was told by a mortgage agency that I would have to get this loan resolved. I have called multiple times and sent them an email ( XXXX ) over their website requesting contact in an attempt to reach a settlement and begin repayment. I have not been able to talk to anyone by phone and received no response to my email inquiry. The mortgage agency also attempted to call AES/XXXX on my behalf with no answer. There are no other numbers listed on either credit report. Under comments it simply states written off as bad credit/sent to collections. With no information on how to contact said collections agency.
Consumer complaint received 2017-12-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VIRTUOSO SOURCING GROUP, LLC. (NY)

I received a collection letter from the company Virtuoso back on XXXX XXXX XXXX regarding a charge from XXXX. I sent a certified letter on XXXX XXXX XXXX XXXX and also the collection agency. As of today I have never heard from XXXX or the collection agency regarding my dispute letter. Today XXXX XXXX I receive a new collection letter from the company XXXX telling me that XXXX has now turn my account over to them. I contacted XXXX today regarding this letter and they told me they never received my dispute nor anything from the collection agency saying I was disputing it. I have the signed certified receipts showing that both companies receive them. Is n't it a law that the company and the collection agency have to reply to a dispute?
Consumer complaint received 2024-10-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc. (OH)

GLA has been unable to provide debt verification on these items. 

I visited XXXX XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX for emergency services. I provided a copy of my Medicare insurance card at the time, and later provided the card over the phone and via mail when I was billed for the full services. I was not aware the debt had been placed with a collection service until I saw it on my credit report. 

On XX/XX/XXXX at about XXXXXXXX XXXX I called GLA Collections Co Inc ( XXXX ) regarding XXXX collection report items of {$830.00}. I was told I would receive debt verification via text and did not receive this information in any form. I confirmed my phone number and updated my address with GLA during this call. Since this time, I have not received debt verification via mail, either. 

I attempted to contact the original debt holder who I believe to be XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX All of the numbers available for this provider are out of service. I have no way to verify the original debt or remedy the root mistake- the incorrect or absence of billing to my insurance and I was NOT notified of this in a timely way so that I could ensure proper billing to the insurance occurred in the required time. 
I have no way to validate this date outside of GLA who assured me they would validate and refused to do so in a timely way. Subsequently, I have no way to dispute the original debt, which is creating serious issues on my credit report. 

Additionally, I was asked by GLA information regarding my medical visits that was concerning from a privacy standpoint. I was asked if I left the hospital ( did you check yourself out ) and came back, information not relevant to the collections at hand as I never disputed the dates of service. 

As I have no way to validate or remedy this debt properly- with the proper insurance billing, or even the information of the original debt owner this debt should be removed immediately to as reduce the damage caused to my credit. I attempted to dispute this to XXXX ( report # XXXX ) and was told the debt was verified. I then asked for the method of verification and my dispute was closed as remains with no further information provided to me ( XXXX report # XXXX ). GLA has taken further negative action against my account since my inquires by flagging my account as unpaid on XX/XX/XXXX despite my disputes and requests for assistance in verifying the debt. 

The time this has taken to remedy has seriously impacted my ability to purchase a house and is contributing to a personal housing crisis which may leave me homeless. The offer of a reduction in interest or a reduction in total amount made by GLA is unacceptable as the required information I am due by law has been refused to me multiple times/ways.
Consumer complaint received 2017-11-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Unlimited Progress Corp (IL)

The phone number that they have been contact is either forward to my place of employment or to my older daughter 's phone during the week. On XXXXXX/XX/XXXX when my daughter answered the phone a lady started speaking XXXX and then switched to XXXX and asked for myself. My daughter informed her I was not home the lady then continues to leave a message and said that she was CDA and she was a debt collector on a recorded line and my daughter confirmed with her the phone number and reason why she was calling my daughter also made XXXX aware that she was not myself and that it was against the law to disclose to another person outside the debtor themselves XXXX did not care They have also called on XX/XX/XXXX at XXXX XXXX and XX/XX/XXXXat XXXX and revealed they where debt collectors but my daughter did not take a message either of those times
Consumer complaint received 2017-10-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ResidentCollect, Inc. (TN)

This debt according to the placement on my credit report was from XX/XX/XXXX, my wife and I have never received notice. This was just placed on our reports on XX/XX/XXXX. We have never had a chance to fight it. Tenant/Landlord laws in Florida state that a landlord has only 30 days after a tenant vacates the property to collect damages. Also I have personal proof that this property was rented back out immediately after the landlord refused to cure a 7 day notice. I can provide proof that the landlord allowed race to control a situation and that this debt in illegal under the law. The landlord showed up to the property without notice and told me that it was ok that we were leaving. This was witnessed by myself, my wife and my mother in law. This landlord will lose if this goes to court. You have taken on a debt that is unsubstantiated. F.S. 83.595 states that if the landlord relets the property the tenant is only responsible for the difference between when they breeched the lease and when the new tenant rented.
Consumer complaint received 2017-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST NATIONAL BANK OF OMAHA (GA)

FNBO disabled my credit card without cause or explanation and is withholding my prepaid card deposit. For these reasons, I requested that my account be closed. FNBO has ignored this request and my account remains open to this day. FNBO is in breach of our Cardmember Agreement.
Consumer complaint received 2017-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

My partner and I invested into this property. When my partner decided he no longer had interest in the property, the deed was transferred to my wife XXXX XXXX. Following a divorce and bankruptcy, the grant deed was then transferred to myself ( attached are supporting documents from the court ). I was making the payments to XXXX XXXX XXXX, but once the loan was transferred to XXXX my payments started being rejected. When calling in and speaking to a representative, I am told I am not on the loan and can not make the payments. Even after supplying them with the proof from court and grant deed showing me on title, they refused to take my payments. Now I am facing foreclosure due to my documents being mistreated and not review properly. Then after hiring an attorney, I found out that my loan was then transferred from XXXX to Fay Servicing to which I have received absolutely no notices to the property address. Additionally, a Notice of Trustee Sale was posted yesterday XXXX/XXXX/XXXX for a sale of XXXX XXXX, XXXX. That is not even 22 days away required by law that I am to be notified. This whole situation has gone from bad to worse and I need help from whomever I can at this point so I do not lose my property.
Consumer complaint received 2016-10-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NY)

Re : scam/misapplied payments/predatory lending Ditech Financial LLC aka Green Tree registered at XXXX Box XXXX, XXXX XXXX, SD XXXX is a mortgage lender. 

I have consistent history of making timely monthly payments for more than 8 years starting in 2008. All monthly payments are sent using XXXX automated billing. 

Ditech misapplied monthly payments in the amount of {$3600.00} and put account in collection status. All payments have been submitted consistently through a third party payor, XXXX, who confirmed that Ditech received a monthly check in the amount of {$3600.00} and cashed it every month. 

Ditech refused to cancel PMI which reached 79.19 % and refused to respond to my multiple communications including the ones sent via fax, email and mail. 

Ditech failed to : *apply all monthly payment checks from XXXX ( cashed by Ditech ) to my account *remove late fees and bring the account into a good standing *cancel PMI *respond with an explanation why Ditech was cashing monthly checks in the amount of {$3600.00} each month and not applying it to my monthly bills, assessing late fees and collection fees
Consumer complaint received 2017-11-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (IL)

On XXXX XXXX, XXXX I entered a complaint through your organization against PayPal XXXX # XXXX. Please review the previous information I sent you for the full details. On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX responded to my complaint. I read his response which said " Nonetheless, on XXXX XXXX, XXXX, XXXX issued reimbursement in the amount of XXXX ... and. On XXXX XXXX, XXXX, Paypal issued additional reimbursement in the amount of XXXX to your Account Balance for the payment. '' I checked my PayPal account and neither amount was put in my account. I have called XXXX XXXX XXXX three times by phone and left voice mail informing of the lies in his letter. All three times I have pleaded with him to at least call me to try to resolve this issue. No Reply! In my original complaint I asked that 1 ) I get my  XXXX back, 2 ) I wanted renumeration for the 3 certified letter fees I incurred because they refused to answer any correspondence I sent approximately XXXX, and 3 ) I asked for some renumeration for the anguish this has caused me ( 6 months of their thinking I would go away by ignoring me ) I left the amount of the anguish amount up to there discretion. Well since they do n't want to recognize my existance, I want XXXX for the continued anxiety they have caused me. Please help me, I ca n't afford an attorney and they know that! They are just playing games because they are XXXX and they are treating me like an ant. I need a serious reprimand and a serious Fine by your organization
Consumer complaint received 2017-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have been a victim of fraud and identity theft and have made this known to the 3 credit agencies XXXX XXXX, Equifax, and XXXX. However they are reporting errors on the credit report and profile they have set up for me. 

I have repeatedly asked for evidence of the verifiable proof to support the reporting, but yet again, they have failed to provide me with a copy of any viable evidence submitted by any of these creditors substantiating their claims. These negative events that are being reported by their agency are erroneous and false. Furthermore, I have also requested their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act. 

The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc. (GA)

Optimum Outcomes Inc is the company. 
Ive spoken with this company multiple times about this collection. 
This is not my bill or collection in any way. 
They told me this collection was opened on XX/XX/XXXX. 
Ive tried to investigate what took place on this date and why is there a bill on my credit report. 
They then told me the collection was opened XX/XX/XXXX. 
The collection is {$540.00}.
Consumer complaint received 2015-09-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WA)

Ditech Financial/Green Tree Servicing received our check for final payoff of our loan on or about XXXX/XXXX/15. Now Ditech refuses to reconvey our house, refuses to pay us the amount that they owe us from our escrow account, and continues to demand more money from us. They declared a default on a loan that has been paid in full.
Consumer complaint received 2017-11-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hunt & Henriques (CA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX violated 809. Validation of debts ( a ) Notice of debt ; contents, 806. Harassment or abuse, and 807 and False or misleading representations. hat Hunt & Henriques did not act in good faith. Hunt & Henriques refuses to validate debt payments, that I have made on a monthly basis, by sending me a monthly statements of debt reduction and verification.I have not received any notification, validation of the current debt or proof of payment sent them to me from XXXX XXXX. 
I have written two letters requesting that Hunt & Henriques provide me an account on what has been paid. This debt collector is collecting a debt on the behalf of XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX. used another debt collector vendor by the name of Legal Recovery Offices located at XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX in which went out of business as I was still making payments to them. XXXX XXXX XXXX only reduced this account by ( 3 ) payments giving me a credit, which they owe me an attentional Credit of ( 3 ) payments. I also spoke to XXXX XXXX ( Attorney and owner ) of Hunt & Henriques, informing him that I needed a monthly debt validation every month that I paid. This company has not sent me anything. I have contacted XXXX XXXX ( Attorney Owner ) by email, letter and phone calls.
Consumer complaint received 2017-12-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (LA)

I mailed in our XX/XX/XXXX mortgage payment of {$1200.00} to JPMorgan Chase on XX/XX/XXXX by certified mail to the company payment dept. in XXXX, AZ. Chase received the payment on XX/XX/XXXX. On XX/XX/XXXX, our Chase online mortgage account showed that the entire amount of {$1200.00} was applied as a principal reduction on XX/XX/XXXX. The check and mortgage payment slip were clearly marked as a mortgage payment. This is not the first time that Chase has misapplied our mortgage payment. The same thing happened on XX/XX/XXXX. We had to fight with Chase to get our mortgage payment fixed. In XXXX XXXX, we received three debt collection letters from Chase even though our mortgage was not late or in default. In XXXX XXXX, we have received three debt collection letters even though our mortgage was not late or in default. That is six debt collection letters in one year without legal cause. 

Chase disbursed from our mortgage escrow account in XXXX, XXXX, and XXXX for not reason. In XXXX XXXX, Chase disbursed from our escrow account and then raised our mortgage payment. Chase has continually used our mortgage escrow account to try to put our mortgage in default. In XXXX XXXX, we found out that our homeowner 's insurance provider XXXX XXXX was a bank client our JPMorgan Chase when we changed insurance providers and started to cancel our insurance policies. Neither company disclosed this information to us. Every year since XXXX, when Chase took over the loan servicing our our mortgage we have seen significant premium increases in our homeowner 's insuranc. Both XXXX XXXX and JPMorgan Chase benefited financially from this arrangement. 

Chase 's customer service dept. is designed to sent customers on a wild goose chase. We received a letter from Chase dated XX/XX/XXXX stating that XXXX XXXX, XXXX Chase Relationship Manager had been assigned to work with us regarding our mortgage issues. He listed is direct number as XXXX. I called this number four times to speak with him. It was the Chase automated general customer service line. We have repeated received unsigned form letters with no contact information to speak to an actual Chase employee. We have also received letter stating at an employee had tried to call us which was untrue because we have caller id. 

The most disturb thing that we learned on XX/XX/XXXX was that JPMorgan Chase was not the legal mortgagee on our mortgage. The clerk of court has XXXX XXXX listed in the mortgage records as the legal mortgagee. Apparently, our mortgage is being transferred from XXXX and XXXX XXXX such as JPMorgan Chase. Which means that the original promissory note on our mortgage is gone.
Consumer complaint received 2017-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have an item on my credit report that XXXX XXXX XXXX Equifax, and XXXX keep reporting as delinquent. This item was XXXX in a chapter XXXX bankruptcy, all they have to do is research the XXXX XXXX XXXX, XXXX XXXX. I 'm sick and tired of the companies trying to keep me from fixing their errors. My old dispute over a month ago still has not been resolved # XXXX With XXXX XXXX XXXX, it 's an open and shut case but their stalling. If they ca n't find the information then they should have deleted it.