davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-03
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

My loan was bought by Bay View Loan services in XXXX. I had missed the XXXX Payment. I made the XXXX Payment Then was contacted by the office asking me to enter into a repayment plan to make up for the payment I had missed. My payment went from XXXX to XXXX for 6 months. I had made all payments until I went to make the XXXX Payment then I was informed that the gentleman that had been over my account had left or had been let go and that my repayment plan had been cancelled. Then now they are telling me that I am 4 months behind on my payments. I have all of my payment receipts and I have called them to talk about my payment history they then tell me all they can do is request a payment history then I can call them back. As I am hanging up the phone I receive a certified letter stating I have 7 days to come up with XXXX or they will be starting default procedings
Consumer complaint received 2016-11-11
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

It starts back about a year ago I got a phone call from them trying to collect this debit. They refused to send me something in the mail and take a settlement. I refused to handle the account at that time. Yesterday XXXX/XXXX/16 I received a phone call at XXXX from XXXX from a lady stating that I was being summons to court. I needed to call XXXX and gave me my case number. Stated she could not open my mail when I asked what is this about. So, I called the number provided never once did they stated they were attempting to collect a debit till the end of the conversation when I pretty much caught on to what was going on. She stated this was the final attempt to get this before it would be out of their hands. I use to work for collections so I understand they have a job and its a debit I owe but you can not falsely state I am being summons to court. After I got off the phone I called back asking for a manager. He stated their company does not do that. I gave him the number that the person called from and stated then how did i get my " case '' number. When you call back the number it stated this number is disconnected. I know my rights and what they did was far from the correct way to handle collection a debit.
Consumer complaint received 2015-05-01
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (CA)

I sent a money transfer back in XXXX. The money was never picked up by the receiving party overseas. I called WESTERN UNION they confirmed that the funds were available and that they would send me a check. 4 months later, and about XXXX reps promising me payment, I have still not received my refund from Western Union. Furthermore, the Western Union system no longer recognizes the tracking number ( a number they assigned to my transaction ). So it is as though I never sent money. The tracking number conveniently drops off after XXXX to 60 days after the transaction. So if they drag their feet to refund you, you disappear from their system all together. 

I write that Western Union 's refund policy be investigated, what do they do with " unclaimed money ''? Because they make efforts to claim the money very difficult on the sender. Most of the people using this service do are immigrants and they do not have a voice to communicate and navigate Western Union 's very complicated customer service. Most of my calls were routed to the XXXX.
Consumer complaint received 2017-02-24
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX, I wanted to check balance on Wells Fargo Money Market Savings. Last statement in my file was thru XX/XX/XXXX, even tho we always received one at the end of every month. Called bank and asked for a statement. Learned account " in process '' of being closed for non-activity, and that we had been notified. Immediately we went to the bank. Was questioned as to " why '' we had an acct. It is a SAVINGS acct. It was to SAVE money. They said they had repeatedly tried to contact us. We have lived in the same house since XX/XX/XXXX, and have had the same number. We received NO notification. We immediately closed the acct. Received cashier 's check for {$25000.00}. We have always had savings accts and never had one single problem. Please investigate to see why it appears to us they were trying to separate us from that account. And why absolutely NO effort was made to contact us. It would not have been difficult. We have not changed our address or phone this entire time, and our phone is listed. What happened to us is wrong, immoral, illegal, and smells very bad.
Consumer complaint received 2015-07-31
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Pressler & Pressler, LLP (NJ)

On XXXX/XXXX/2015 I noticed an unauthorized inquiry on my credit file. When I noticed the inquiry on my credit file I notified Pressler & Pressler of this discrepancy. They ignored my request. It has been over XXXX days and they still refuse to remove this inquiry from my credit file. I have no open accounts with Pressler & Pressler. My attorney will be reporting Pressler & Pressler to NJ Attorney General XXXX XXXX if they do not remove this inquiry immediately.
Consumer complaint received 2015-10-07
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: U.S. BANCORP (NJ)

I call ; ed the company and wrote to the company at least XXXX times stating I closed the account. This should be removed from ALL XXXX credit bureaus. The account was closed by ME not the copnay.
Consumer complaint received 2015-10-19
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

I have filed multiple complaints against Select Portfolio Services XXXX the most recent is case number XXXX ) and they refuse to even research the allegations against XXXX XXXX, the original lender. They state categorically that funds in my modification were not used to pay off XXXX Mortgage because there is no written record in the modification that XXXX did. 
I have requested and XXXX Mortgage is in the process of providing me documentatyion that XXXX did indeed pay off XXXX XXXX XXXX is to send me a copy of the bank wire from XXXX as well as the payoff letter that was faxed to XXXX, complete with XXXX 's fax number on it. 
I will provide this documentation as soon as I receive it from XXXX Mortgage, and it will prove that while XXXX was not listed as being paid off, funds from XXXX that were included in my modification were used to pay off XXXX. 
To assert that my loan balance increased over {$50000.00} due to accrued interest, etc is absurd in itself when the original loan was only around {$35000.00}! 
Again, I request that the CFPB requires SPS to do honest research and in doing so will see that what I am saying is true.
Consumer complaint received 2016-06-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (NY)

Asset Acceptance has continued to report a debt which is not mine and which they have not previously validated as I had requested in 2011. I have attempted to correct the disputed information with my credit bureaus, and XXXX and XXXX have removed the account while XXXX has refused to review the investigation. Because of the continued reporting by Asset Acceptance and lack of review by XXXX it is causing significant hardship in obtaining a mortgage for a primary residence with which I am in contract for.
Consumer complaint received 2015-04-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

Dear Consumer Advocate, I am writing to escalate an issue I am running into with XXXX XXXX. My account opened under XXXX originally and in 2013 this company merged with XXXX XXXX. As a customer, I have never been late with my payments. In fact, I worked diligently to keep all my accounts in order to carefully build my credit back up after a Chapter XXXX dismissal. I had numerous technical issues after the XXXX companies merged, including not being able to access my online account for which I contacted Customer Service three times to help with this issue that kept recurring. With XXXX ( now XXXX XXXX ) and all my other accounts, I have reminder notices setup so that I could diligently make sure my payments were sent on time, for which I relied on. I did not use this credit card much, but last year getting ready for my wedding, I missed my XX/XX/XXXX payment. I never received a notice, thus I realized I was late because I had a credit reporting alert setup, for which XXXX XXXX reported to. My balance was approximately {$40.00}. Again, I had never been late with this company before. I contacted their Customer Service department immediately and the agent I spoke with understood, was very concerned and added a dispute code. She mentioned it was likely they could remove it because she did acknowledge all the system errors they had. I paid my balance in full immediately. Since then I am refinancing my home, and also trying to keep my finances as low as possible and making the best decisions, I realized that entry is still on my credit report. I 've written a letter to XXXX XXXX and spoke with XXXX agents who say there is nothing they can do and keep repeating the same thing over and over. This does not seem fair considering my costs incurred to refinance because I did not get my reminder notice I duly relied on -- especially at that critical time in my life. There should be some exceptions! The cost does not match the action per se. I would think as a consumer, and having been a very good customer, they would have acknowledged their system glitches and helped me out. After the last letter I received from them this week, I called this morning again and spoke to a 'supervisor. ' She finally admitted they did not have any alerts set on my account. She was the first person to tell me this after the merge from XXXX and all the technical issues I had. She says I should have known to reset all my alerts! I am very frustrated because I have been working very hard to build my credit back up. I am hoping your organization will be able to assist me in some way. Please advise. 

Best Regards, XXXX XXXX XXXX
Consumer complaint received 2016-11-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC. (NC)

I rented an apartment at the XXXX apartments at XXXX XXXX XXXX . XXXX and moved out of the premises in XXXX of XXXX. I was told that I would have to pay the relenting fees of early termination of lease of {$700.00}. I contacted the apartment because I had received a bill for approximately {$2400.00} from a collection agency called IQ Data International Inc. On numerous attempts. I tried to get the issue resolved with the correct amount being owed. I spoke with the apartment staff that made an adjustment and indicated that they did see an error in the amount that I owed and would adjust it. The adjustment was made to {$1400.00} I tried on numerous attempts to advise the collection agency of the correct amount and they told me they needed a copy of the corrected ledger. I submitted a copy of the corrected ledger, then they said the copy had to come from the apartment complex directly. The apartment indicated they sent a copy over as well. I made an initial payment of {$430.00} toward the balance and had made arrangements to pay the balance of {$1000.00} on XXXX/XXXX/XXXX. I got laid off work and contacted the collection agency and spoke with the unit manager XXXX XXXX @ Ext XXXX to stop that payment and make other arrangements for the {$1000.00} balance. They refused to take my request and told me to call back on Monday and speak with XXXX XXXX the account representative. I asked that since you are the manager, how come you could n't assist me. He said because I just cant. He also denied having the corrected amount that I owe and kept indicating that I was paying on a settlement. I tried to explain to them that this was n't a settlement because the amount of aaproximately {$2400.00} that they have is incorrect in the first place so there is no settlement. I have been placed on hold for long periods, been refused to get proper assistance to get the issue resolved and am very frustrated and concerned with how I have been treated and how they refuse to adjust the correct amount owed. Please help.
Consumer complaint received 2015-05-19
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Concord Resolution Inc (Closed) (TX)

This has been going on for three ( 3 ) years, and I have filed more than a dozen complaints against various companies for fraudulent attempts to collect a phantom debt related to a payday loan that never took place. 

Concord Resolution is the latest company that is calling me, and their robocalls are replete with violations. 
1. The caller is not identified in 4 of 6 messages. 
2. None of the calls inform me of an attempt to collect a debt. 
3. All messages indicate I have done something that is subject to legal action. At least one recording suggests I have my attorney return the call. 
4. All are robocalls to my cell phone, and my number has been registered on the National Do Not Call List since XXXX XXXX. 

This non-existent debt was a product of the XXXX XXXX Scam in XXXX XXXX, and these calls have continued since then. The money these scammers are trying to collect was never borrowed by me, and it was never owed by me. 

I am attaching six ( 6 ) voicemails I received within 2 weeks. All six recordings include my first and last name to identify me, yet 4 of 6 calls do not identify the company leaving the message.
Consumer complaint received 2015-03-30
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Resurgent Capital Services L.P. (NY)

The attached complaint sets forth all of the claims involving the deceptive nature in which LVNV Funding , LLC brought its case under index # XXXX. Naming a plaintiff as " LVNV Funding , LLC XXXX XXXX XXXX '' is a deceptive practice because that entity misidentifies the creditor, is not licensed, lacks authority, and implies more of a direct relationship than exists between LVNV and XXXX XXXX. A federal case annexed to the attached complaint clearly states a cause of action for that tactic under the Fair Debt Collection Practices Act. XXXX XXXX challenges LVNV 's legal right to sue her in the first place. Upon information and belief, LVNV failed to secure a valid chain of assignments before it sued XXXX XXXX. New York courts are very concerned about debt buyers who do not and/or can not produce a valid chain of custody. 

XXXX XXXX also contends that LVNV added pre-judgment interest to her debt but it lacked contractual or statutory authority to do so. 

XXXX XXXX was not given valid notice of any assignment and any meaningful right to demand validation.
Consumer complaint received 2016-08-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (KS)

None of the above choices applies to the situation I 'm complaining about. Therefore a " yes '' or " no '' answer to the question, " Have you disputed the issue with the credit reporting company .... '' is not possible. The credit reporting company ( Equifax ) has PREVENTED my attempts to dispute directly with them. Here is the complaint : Using XXXX, I discovered a collection account on my Equifax credit report that I wish to dispute. I attempted to use Equifax 's online dispute form to initiate the dispute. 
The Equifax dispute form requires a XXXX-digit confirmation number. In other words, I would have to purchase a credit report from them in order to initiate the dispute. That 's my complaint : There 's no way ( that I can discover ) to initiate an online complaint with Equifax without paying them money.
Consumer complaint received 2016-12-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

check my credit score and history and it says i have multiple accounts open for cards and loans for cars i never have or seen. somebody has been usimg my information since XXXX and maybe longer. it says they open a loaned somewhere around XX/XX/XXXX. and that wasnt me. i just need help fixing this so i can really live my life
Consumer complaint received 2015-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Resurgent Capital Services L.P. (VA)

RE : Complaint # XXXX. - XXXX XXXX XXXX XXXX XXXX XXXX. 
NOTE : Also was " threatened '' by a " XXXX '' with XXXX in XXXX regarding this debt, threat to sue me, and nasty cursing over telephone to me, about XXXX XXXX. 

Now, I called XXXX to get info on debt. I was transferred to " XXXX XXXX '' who stated that my Debt was " sold or transferred as of Friday, XXXX XXXX, XXXX. '' I did not receive notification, also when I contacted XXXX in XXXX XXXX, XXXX XXXX " agreed with me over phone '' that I requested by letter a verification of my debt and that XXXX deliberately provided " no response '' to me. 

I was given only a phone number to contact regarding my account. After calling, I discovered the " account '' is now with " Resurgent Capital Services LP '' of XXXX, SC. 
the original debt was with XXXX XXXX XXXX ( actually it was XXXX XXXX ) on XXXX XXXX, XXXX. 
I was not given proof of the debt, by XXXX, and was not prior notified that the debt was moved again! 
Also " new debt collector '' ( spoke to XXXX XXXX with Resurgent at XXXX on XXXX XXXX, XXXX. Phone number XXXX called to reach Resurgent : ( XXXX ) I also have not received notice of right to dispute ; and requested verification of debt from XXXX XXXX XXXX, which was ignored and denied. 

XXXX 's get these companies to properly comply with FDCA and keep customers aware and in communication of anything debt related. I am Disappointed, Frustrated, and Disgusted! 

I only want to clear my credit, and stop dealing with these nasty people. By the way, XXXX XXXX stated that I " would not receive a regular written letter statement of balance '' and that I had to " call in to us periodically to get your current balance owed. " Please assist me to stop the harassment, threats, and lies/deceit from these companies and allow me to clear my credit history. 
Thank you.
Consumer complaint received 2015-07-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PENTAGON FEDERAL CREDIT UNION (VA)

A client of mine had his company bank account compromised. As a result, one of the checks written on the account was my monthly check in the amount of {$3000.00}. Once he found out his banking account had been compromised, he immediately contact me and I immediately contacted PenFed. I told PenFed what had happened and immediately wired {$3000.00} from another account to cover any and all transactions. My account was never, ever overdrawn and I was told by PenFed that the original check for {$3000.00} was NOT going to be re-deposited because, according the PenFed representative, " our system is incredible sensitive and the check will be returned. " That ended up not being the case, the check was redeposited and of course, declined from my clients financial institution. Again, my account was never overdrawn. 

As a result of this, and of no error whatsoever on my part, PenFed, irresponsibility has blocked my access to all my accounts. 

Despite five separate attempts to have this irresponsible block removed, it remains. That is, because of something that was completely the fault of another party, and had literally nothing to do with me, I do not have access to my money. I have never overdrawn an account and I consider myself a financially conscious individual. 

How is it possible for an institution to completely block a responsible customer from their banking accounts? 

Unfortunately, PenFed only can say that 'my case ' is on a supervisors desk for review. 

Any assistance you can provide would be most helpful. 

XXXX XXXX
Consumer complaint received 2016-03-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Merchants and Medical Credit Corporation, Inc. (MI)

I have attempted several times throughout the years to, communicate with the non-va medical facilities, that I 'm a XXXX vet and there is a department in the XXXX XXXX va facility in XXXX XXXX Michigan called the department of veteran affairs XXXX XXXX XXXX XXXX XXXX Michigan XXXX phone number XXXX, I spoke with XXXX today XX/XX/XXXX and he informed me that they never received any bills from this debt. Merchants and medical XXXX flint Michigan XXXX in regards to a visit that I made dated XX/XX/XXXX account number XXXX, this item ended up on my credit report, these are the types of issues that our American veterans have to combat in order to try to even maintain some sort of normal life, no one takes the time to go thru the proper procedure to make our life more easier when trying to navigate thru these non-va facilities. im faxing you the debt on my credit report and my va status. I would appreciate it if these debt collectors would contact the proper departments you make it difficult for a lot of veterans by not simply making one phone call. Remove this from my credit. 
XXXX XXXX
Consumer complaint received 2015-11-16
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Asset Management Outsourcing, Inc. (OR)

XXXX XXXX is my Health Insurance and Health Services company. I had a procedure that came with {$100.00} copay. I paid by charging my credit card in advance of the procedure at their prompting. The procedure and payment were XX/XX/2015.I received a collection letter for the item on XXXX XXXX, 2015 from their collection agent AMO Recoveries . I was never contacted by XXXX about the lack of payment prior to this letter from the collection Agent. 
Not only was the payment in advance of service, XXXX never notified me they had no record of payment.
Consumer complaint received 2016-06-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

The following account is back on my credit report after Equifax deleted the account on my credit report on XXXX XXXX, 2016 : Account : XXXX XXXX This account do not belong to me. Review Equifax Confirmation Number : XXXX.