davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (MD)

Please see Complaint # XXXX ( I have recopied it below ). It is the very same details except they are now using a different number to call from. Now they have called XXXX ( Re-copying complaint filed XXXX/XXXX/2016 as now they are using a different number ) For the last 2 months I have been receiving calls from multiple local numbers with a XXXX or XXXX area code. When I answer the calls just drop. I call the number back, and I hear music for a few seconds and someone Answers. The person comes on trying to obtain personal information from me. On XXXX XXXX, 2016, I received a call around XXXX. EST again from XXXX and the same thing happend. I answered and then the call dropped. I called back from a different number and the representative indicated they were with Halstead Financial and that they would need more information. I have not received any correspondence from this company. The representative indicated they could not provide any information to me without verification, she asked what number was receiving the calls. Although reluctant, I decided to confirm my phone number with her, because the calls are frequent and disruptive. Additionally the fact that all the calls result in hang up on their end as soon as I answer. For the last few weeks I have been monitoring my calls more and that 's when I noticed the similar number. Once I confirmed the number she was calling she asked for my social security number which refused to provide. I asked to have a letter detailing the issue sent to me and was told " how can we send a letter if we ca n't verify who you are '' I told the representative I would not provide information and I would like my name removed from their call list. I was told that was not going to happen and that I would be receiving more calls. I have no idea what this company does or what they are claiming with respect to me. I am concerned because in XXXX of this year I was a victim of identity theft. Since that time, I have been receiving numerous calls from unknown and strange numbers, my mail was also intercepted on 2 occasions for weeks at a time, and my financial information was delivered to other addresses. I also checked and I do not see that this company is licensed as a collection agency in my state. 
Consent to publish the description of what happened
Consumer complaint received 2016-01-23
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (MA)

I was attracted to a credit card promotion by Southwest Air for their Rapids Reward card ( issued by Chase ). The promotion was for XXXX points credited to my SWAir RR account if I spent more than {$1000.00}. in 3 months. I spent considerably more than {$1000.00}. within 2 months. I received XXXX RR points, but not the XXXX points. I called XXXX and Chase today, and Chase said my memory of the promotion was incorrect ; it was XXXX points ( for spending {$500.00} ), not XXXX ( for {$1000.00} ). I beg to differ, as I distinctly remember the details. I applied for the card by clicking on the promotional link from XXXX. At the end of the conversation today, I paid the small balance immediately and canceled the card. I know XXXX and Chase keep adjusting the promotion, and it varies from time to time. However, I 'm positive of the offer they made, as I kept checking my accounts and the offers over time. I will be complaining in detail to XXXX as well.
Consumer complaint received 2016-01-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I 've disputed this account, and asked for verification multiple time in the past 6 months. To this day, Portfolio Recovery Associates has failed to deliver validation of debt. The only response that I received was the deletion of Portfolio Recovery Associates trade line from the XXXX credit report. By the removal of this trade line from my XXXX credit report this has set a precedent that Portfolio Recovery Associates was unable to substantiate this claim of debt and therefore removed it from the report agency. 

This account is further negatively affecting my credit report and score due to this company 's inaccurate reporting. I am requesting the full deletion of this account as a result of Portfolio Recovery Associates not lawfully validating this debt after a substantial amount of time to do so and by the precedent set by the company in the removal of the trade line from my XXXX credit report.
Consumer complaint received 2016-02-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (NY)

M & T Bank set up a set of conditions making it impossible to pay off a commercial loan I had without paying a {$3100.00} fee even though the loan was sold as no pre-payment penalty after 5 years. I am only allowed to pay off this note on 12 individual days during any given year AND I have to give 60 days notice for that day. Here is an exert from the letter I sent them outlining the issue. ; I received a payoff letter from you on Loan # .... dated XX/XX/XXXX for an upcoming closing on the subject property. On that letter was a fee marked " Other Funds Due '' totaling {$3100.00}. I am disputing this charge and request that it be removed prior to my closing on XX/XX/XXXX. I was told in a phone conversation on XX/XX/XXXX that if I closed after XX/XX/XXXX, thereby satisfying the 60 day notice requirement, there would be NO PENALTY. This new charge did not appear on the previous payoff letter and was never mentioned during that lengthy conversation with several bank officials. 
To evoke a " 60 day notice '' clause AND a " close on one particular day '' clause is completely unreasonable and probably undoable. The closing date is mostly dictated by the buyer. To be able to predict 60 days PRIOR that we will be able to coordinate buyer 's attorney, bank attorney, seller 's attorney, title company, buyer, and seller to all be available on one particular day 60 days forward is ridiculous at best and certainly highly unlikely to be attained. 
I also feel this is tantamount to usury, robbery, and using a license to steal.
Consumer complaint received 2016-03-30
Product: Other financial service — Money order
Issue: Lost or stolen money order — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (PA)

on XXXX/XXXX/2015 i contacted Money gram regarding a lost/stolen money order. I provided them with the serial number and they confirmed that the money order had not been cashed. I attempted to put a stop on the money order and was told i had to fill out a claim card that had to be mailed in. On the call i asked that they make a note with regards to the money order and prevent it from being cashed. whomever i spoke with stated she could not put the claim in without the claim card. That same day, the claim card was completed and mailed to money gram. On XXXX/XXXX/2015 I called Money gram to follow up on the claim card. on that date the money order had not been cashed. it was reasonable to believe that they claim card was received ( even if it was not processed full on XXXX/XXXX/2015. On XXXX/XXXX/2015 i received a letter dated XXXX/XXXX/2015 stating my money order was cashed on XXXX/XXXX/2015. That same day I called money gram and spoke with a woman named XXXX ( she refused to provide a last name ) who stated, she was unable to confirm when my claim card came in and that {$18.00} was required to send me a copy of the cashed money order. She then proceeded to state losing a money order is the same as losing cash implying that there were no protections for my money. I spoke with another agent named XXXX later that same day. He also stated that he was unable to determine when my claim card was received. he also stated that {$18.00} was required to continue my research on the lost/stolen money order. He much like XXXX stated the issue was no longer money gram 's and that i need to pursue the matter when the money order was actually cashed.
Consumer complaint received 2017-03-15
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have disputed this account with Portfolio Recovery Associates through all XXXX credit bureaus. It is apparently for a XXXX account that I do n't believe is mine. They have sent me a copy of a last statement with amounts for a past due and payment now due and balance listed. It does not verify the debt is actually mine, but they keep stating it 's verified. The amount they are claiming I owe is neither of the XXXX balances on that statement. With just a little bit of research about this company I realized that they are not even licensed to do business or collect debts in my state of Georgia. I would like all collections to cease on this account and for it to immediately be removed from all XXXX credit bureaus and for Portfolio Recovery Associates to stop trying to collect accounts in states that they are not licensed in.
Consumer complaint received 2015-04-04
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I discovered inaccurate information placed on my credit report by Portfolio Recovery Associates. I immediately took action. I called all XXXX credit bureaus and made them aware of the situation. As a result, they disputed the account. A week later Portfolio Recovery Associates responded to XXXX, electronically, stating " the account will remain on credit report. '' This raised even more concerns!! I did n't think companies could report inaccurate information on people 's credit and get away with it!! So, I sought out legal advice. I was made aware that I could write Portfolio Recovery Associates and demand that they send me legal proof and documentaion of the debt, Debt Validation. I was also warned to send my request certified mail to be sure they received it and could n't claim they did not. I am aware that Portfolio Recovery Associates have XXXX days from the date they receive my letter to respond with the legal documentaion.. I sent XXXX letters to Portfolio Recovery Associates, each certified, XXXX to their corporate location and the other to the location listed on my credit report. XXXX letters were received and signed for at each location on XXXX/XXXX/2015. XXXX was singed for at XXXX XXXX and the other at XXXX XXXX. the clock started on that date. XXXX DAYS LATER, STILL NO RESPONSE!! I never received a response from the company!! I am now demading the immediate and complete removal of any account reported on my credit report by Portfolio Recovery Associates. Portfolio has failed to send the legally required validation of debt. their firm has violated the law!! The Consumer Credit Protection Act, The Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Plus many more. Portfolio Recovery Associates have communicated and continue to communicate incorrect and defamatory information to third parties and the XXXX major credit bureaus. It is time for this to stop! I have suffered and cotinue to suffer damages. I am very upset at their firm 's business practices. I have suffered emotional distress from this. I am demanding that they delete any items they are reporting from my credit as soon as they receive this response from cfpb! Hopefuly they will respond to you guys because they have refused to do so with me.
Consumer complaint received 2016-04-05
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I previously contacted the CFPB and informed them that Portfolio Recovery was harassing me by repeatedly placing telephone calls. 

I filed a complaint, and Portfolio informed the CFPB that they would stop. The case # is XXXX. Portfolio has called me at least SIX TIMES, AFTER they promised the CFPB that they would stop. I have the Caller ID information to substantiate this.
Consumer complaint received 2015-05-13
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: National Enterprise Systems, Inc. (DC)

National Enterprise Systems has called me no less than XXXX times, and left XXXX messages identifying themselves as debt collectors, about a debt they want to collect from my brother. Half the calls and messages came after I talked with them and notified them that I am not my brother.
Consumer complaint received 2017-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (MT)

I called fedloan servicing on Wednesday. Once I was identified as a servicemember, they transferred me to a Military Team member. This person rattled off a list of services that were available to me a servicemember. I told her that I knew about them and was not interested in them and that I was calling about a credit verification letter only. On Friday morning, I received notification that my general forbearance had been approved. At no point was this ever discussed with me or requested. I called fedloan servicing. Their representative said that she removed it but that was all she could do, and that it might still capitalize my interest, as are the terms of the general forbearance. I spoke with a supervisor who said he would submit a complaint on my behalf internally but could not assure me that they would even listen to our phone call or do an audit of the other accounts this person worked on. Further, if my interest was capitalized then I would have to call and address it again at that time. I do n't know if this is a general practice for student loan borrowers identified as military members but I am concerned that it is.
Consumer complaint received 2023-07-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A. (KY)

On XX/XX/XXXX, I received a letter from " Weltman , Weinberg & Reis Co., LPA '' on behalf of XXXX XXXX XXXX stating that a person named XXXX XXXX, who lives at XXXX XXXX XXXX, XXXX, CA XXXX, owes a balance of {$4100.00}. My name is XXXX XXXX, but I live in Kentucky and I have never taken a loan out from XXXX XXXX XXXX or ever even been to California. The letter states that I need to return an " Affadavit of Fraud '' to their office stating that I am not the same XXXX XXXX that owes this debt. Furthermore, I called " Weltman , Weinberg & Reis Co., LPA '' and over the phone one of their representatives confirmed that my birthday and social security number do no match the person who owes this debt, yet they still on insisting that I use my valuabe time to return the affadavit.
Consumer complaint received 2016-04-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lazarus Financial Group, Inc.(Closed) (TX)

I believe this is a scam by XXXX XXXX. They are asking for XXXX but I had no debt. I believe this is a mistake. I rented an apartment ( duplex ) from them from XXXX had left the apartment in immaculate condition ( better than when I moved in ) and paid a professional service XXXX XXXX XXXX clean the apartment, including the bathrooms, behind the appliances, and ceiling fans and shampoo the carpets. I have a receipt for {$350.00}. I have pictures as well. I even cleaned out the garage floors. It was n't even dirty to begin with I am a very clean person, living alone. There were no damages to the walls, I did not even hang any paintings. They did not complete a walk through with me because it was a holiday weekend and they were closing early. Not only did they they not give me my deposit back, they billed me an outrageous amount of money for normal wear and tear such as painting, but again, I did n't damage anything. There were previous cracks in the tile which they knew about. I also changed the locks ( With their permission and still kept the original ) and they said I did n't have to change them back just drop off the keys. I wrote them to inquire what those charges were for and that I believed that they were they may have confused me with another tenant and they wrote me a nasty email back and sent my information to collections. I believe I went above and beyond. I was very cordial and tried to work with them but got frustrated. I recently searched the intenet and found XXXX XXXX had done the same things to other previous tenants. Why they would try to intentionally damage someones credit I do not know except to hurry them so they could not rent from someone else. I am considering initiating a class action lawsuit for the false accusations. I had a friend who rented from them who had XXXX dogs who destroyed the apartment and they treated me just the same as her which I thought was not fair.
Consumer complaint received 2015-10-10
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Praxis Financial Solutions, Incorporated (PA)

Praxis Financial Solutions XXXX have promised a Trade Line deletion in exchange for payment for a Charged -Off debt purchased from XXXX XXXX Unfortunately, the payment was received but the written agreement for the deletion of this account 's " Trade Line '' and " all credit reporting that has been done on this account '' has not been honored. I have brought this concern directly to XXXX. Although my concerns were clearly documented with specifics, XXXX has rerouted my concerns ( with inaccuracy ) to a " request for XXXX to remove its credit bureau reporting due to debt being paid or settled in full with debt buyer ''. Clearly, XXXX 's summation is not the concern, and this gives the appearance that they simply do not care. These institutions have legal teams with great experience at wordplay, at times this only adds confusion to the consumer but not real solutions to problems that have negatively impacted the consumer through no fault of their own. Institutions like XXXX have no incentive to take my concern seriously. This huge oversight has negatively impacted my credit, and re-victimized my family. See previous reports from CFPB Case # XXXX ( and the attached ) where obscene language and abusive language was also reported -- not from XXXX. Using terms like " Trade Line '' deletion and " all credit reporting that has been done on this account '' are clear terms any consumer would reasonably expect to be honored. Any consumer would have been under the impression PFS XXXX received permission to enact this promise. There should not be a need for " buried in blueprint explanations '' or exemptions as to why this promise did not or does not apply. If deception was not the intent, then I simply ask for PFS to work with XXXX to " right this wrong ''. 

We are grateful CFPB supervises banks, credit unions, other financial companies, as well as enforce federal consumer financial laws. The small guy can easily become devoured had it not been for your organization 's dedication to law and fairness. 

As it now stands, XXXX has now " dinged '' my credit report, made changes to it, and has done more harm at this sensitive time.
Consumer complaint received 2015-12-29
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

My wife notified Portfolio Recovery Associates , LLC via certified mail to stop contacting us about a debit that is over 10 years old. We then received a letter from them ( attached to this complaint ) demanding that we provide them with her tax payer ID as the XXXX regulations ( unspecified ) requires them to provide that info to the XXXX. I do not believe that this is true but as they are indicating in that letter than we might be fined by the XXXX up to {$50.00}, I wanted to check and be certain before I provide her SSN number to them.
Consumer complaint received 2015-11-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Thomas Agency, Inc. (ME)

Previous case # XXXX is on file. Company mailed me, stating debt is still owed, despite evidence shown that XXXX XXXX is responsible for ANY and ALL debts incurred by XXXX XXXX, on or before XXXX XXXX, 2015. This also hereby serves as an official cease and desist notification to this collection agency, including postal and or electronic mail, telephone communications of any kind, as well as credit reporting. The divorce decree was attached in the previous complaint. Also, 33 calendar days ago, I requested a list of any and all credits and debits of alleged debt. That honor has yet to be fulfilled, and it is beyond the 30 days of request, hereby making this attempted collection null and void, in accordance with the FCRA, and FDCPA.
Consumer complaint received 2016-06-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Pinnacle Credit Services, LLC (VA)

XXXX XXXX debt of {$300.00} ending in account # XXXX was discharged in Chapter XXXX Bankruptcy in 2011. XXXX has sold the debt to several debt collectors since and it is erroneously reporting on my XXXX credit report.
Consumer complaint received 2015-04-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Portfolio Recovery Associates repeated calls my home telephone without leaving a message and after a cease-and-desist letter was sent. A certified letter with return receipt was receive by them on XX/XX/2015 to cease calls to my telephone. On XX/XX/2015 @ XXXX I received another call from them. This call became illegal the moment they dialed the number.
Consumer complaint received 2016-02-24
Product: Debt collection — Federal student loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Delta Management Associates, Inc. (NY)

I made a phone call to Delta Management Associates to inquire about the status of a loan rehabilitation application. The call was placed on XXXX XXXX at XXXX. While I was trying to obtain information, the Delta representative I was speaking to, a male with a southern accent, muffled the phone and started making jokes and laughing with a colleague. Based on the flow of the conversation, it can be safely assumed that he was making fun of the issues brought up during my call which constitutes abusive behavior and language. Abusive language does not need to limit itself to obscene language - it can also apply to tactics made to mock, diminish or otherwise ridicule a consumer. I felt ridiculed and his behavior was highly inappropriate. I requested to speak to another customer service representative and was transferred over to XXXX XXXX, who handled herself in a more professional fashion. This representative 's behavior was unacceptable and needs to be addressed promptly.