davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-08
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc. (CA)

Last year I started receiving phone calls from a collection agency that stated that I had taken out a payday loan in 2008 and it had not been repaid. I told them it was not possible because I had repaid all of my payday loans immediately. They claimed that it had not been repaid and they threatened legal action. It was around {$470.00} and I offered them a settlement of 75 % of the amount if they would just stop calling me. I paid the money and they sent me paperwork proving that it was paid in full. A few months ago, I started receiving skip tracing calls again from another collection agency. This time I decided to not take any of the calls because it sounded like exactly the same type of debt and I thought that if I keep paying it, they can just keep coming back to me for another payment. Yesterday, I received an alert on my credit report and discovered that the collection agency has placed a collection account on my credit report for {$470.00}. It provides no information about the debt they are collecting, not the type of debt or the date of the debt. I am 100 % confident that I have zero unpaid debts for the past 10 years and this is the ONLY negative item on my credit file in that period of time. In addition, they have been calling my children on their cell phones in an attempt to reach me and leaving me messages threatening to call my references. The organization is called " Progressive Management Systems '' XXXX XXXX XXXX XXXX FL. XXXX. I am afraid to contact them directly because their voicemail messages are very aggressive.
Consumer complaint received 2022-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX  and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2017-01-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (CA)

I am XXXX years old and I have been in review for a modification with XXXX since XX/XX/XXXX. My husband XXXX and I am a XXXX. I have my adult son helping me. Shellpoint has all documents they asked me for including but not limited to all of my income proof as well as my sons non borrower auth form and his income proof. For weeks I have been in active review even the XXXX and Deed are in my name. Now at the XXXX hour XXXX days prior to my sale date WHILE i am in active review, Shellpoint states I need to file documents in XXXX. I am XXXX years old why did n't Shellpoint tell me to do this in the beginning of XX/XX/XXXX. I would have done what they asked. Now XXXX days before the sale, while all along lying to me and stating that my review is active and the sale WILL postpone, they are asking me for the impossible and they are now refusing to postpone the sale. So if they needed probate documents from the beginning, they SHOULD have never accepted my package and lead me down the wrong path. I pray you help me I want to die in this home, I dont have much time left on this earth please do n't let my last experience be with this bank defrauding and lying to me to steal my home under false pretenses. XXXX BLESS YOU
Consumer complaint received 2016-05-09
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: DELMAR FINANCIAL COMPANY (MO)

Hello, My husband and I recently sold our house and as part of the negotiation process reached an agreement that we would pay closing costs not to exceed {$4600.00}. We noticed on the closing disclosure that we could get more information or make a complaint on www.consumerfinance.gov/mortgage-closing. Overall, we feel closing costs of {$4600.00} were too high for the transaction. We received two offers at the same time ( one with closing costs not to exceed {$2000.00} and one with closing costs not to exceed {$4600.00} ), but there were other variables that contributed to us accepting the latter offer. Please note that prior to these offers, we had two other offers with closing costs ( both {$3000.00} ) - the first rejected our counteroffer and the second fell through after the inspection process because of buyer financing. Throughout the selling process, we were told closing costs should run about {$3000.00} and even after accepting this offer, we knew that costs should be less than the amount negotiated ( seldom is it ever going to be the exact amount ). Considering discussions with relators that have conducted several recent transactions, XXXX and our own recent house buying and selling experience, these closing costs do not appear to be competitive and feels like we paid for something else. To further cause concern, the buyers of our house changed lenders after entering into the contract and surprisingly the amount of closing costs did not change. Possibly, the closing costs are legitimate, but we still wanted to follow-up with someone because the fees seem exorbitant, amount was exactly what was negotiated, and very odd that the fee amount did n't change with lenders.
Consumer complaint received 2016-08-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JH Portfolio Debt Equities, LLC (MI)

I had XXXX medical bills from college, about XXXX that I did not know existed. They were given to a debt collector and after seeing them on my credit report I paid them in XXXX. Now, a company called Credit Control LLC is attempting to collect the debt again even though it was zeroed out on my credit report.
Consumer complaint received 2016-05-03
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (CA)

I applied for a XXXX business credit card for my business a few months ago. The promotional material stated that if I achieved the spend requirement that I would be given a reward of {$500.00} balance statement credit. This balance statement credit was never rewarded to me. On contacting American Express I was told that since I had opened another simply cash business credit card for a different business in the last 12 months I did not qualify for a reward credit. Nowhere in the promotional material did it state this and when I asked American express to confirm this, they also stated that this was not stated anywhere on the promotional material. They come up with an excuse that this disclosure is made on the online application. I do not remember seeing any such disclosure on the online application. When asked to present proof of online disclosure they provided none. I have the promotional material with me and the promotional material is basically also a paper application. So does this mean that people who mail in their application do not receive such a disclosure? Because American express clearly stated that the disclosure is not on the paper application/promotional material, which I still retain a copy of!!! There it is in black and white, the application does not contain any such disclosure, I challenge American express to find it and show me where it is!! If any attorney is reading this please contact me, I think we have an airtight case against American Express using misleading or false advertising. I also lost {$200.00} in credit card fees trying to achieve the spend requirement so that I would qualify for the {$500.00} bonus!!!
Consumer complaint received 2017-01-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PROVIDENT FUNDING ASSOCIATES (CA)

In order to prevent a late payment due to the busy time during the holidays, we decided to mail payments a week before the end of the year. Dating the payment check on the first of the due month ( as we normally do ), Provident Funding received our payment days before the check could be cashed. Instead of keeping it until the following business week, they decide to return the check to us, along with a polite note stating that they do not accept post-dated checks. The letter was dated XX/XX/XXXX, and the check was dated XX/XX/XXXX. We 're now facing a possible late charge because of their unreasonable policies and practices. We prefer to send physical checks because of the security risks of having bank information stored online, but we now see that this can not be avoided because the companies themselves are encouraging it, therefore making themselves targets of cyberattacks.
Consumer complaint received 2016-07-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (WA)

Amount due is zero. Rental apartment lease was ended legally per Texas Property Code XXXX. I moved out of the apartment while still paying rent so new occupant selected by apartments could move in. Advised collection agency, ProCollect : 1 ) lease was ended legally, and 2 ) this is an attempt to collect double rent for the same apartment, which is also illegal in Texas. They refuse to remove the information from my credit bureau reports, which almost made me a homeless XXXX veteran and now prevents me from relocating to most other rentals.
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: CORELOGIC INC (MD)

This complaint is filed against CoreLogic SafeRent, who has produced an inaccurate report that includes landlord-tenant cases filed by XXXX XXXX XXXX from XXXX XXXX through XXXX XXXX. Specifically, CoreLogic SafeRent is inaccurately reporting the court cases as " case filed and the claim amount '' when in fact all of the cases were dismissed because payment had been made. CoreLogic SafeRent is required by the Fair Credit Reporting Act to report accurate information. CoreLogic is violating the federal Fair Credit Reporting Act ( " FCRA '' ) by systematically and illegally reporting court cases that have been dismissed. Because of CoreLogic 's inaccurate reports, I have been denied housing since XXXX and have been forced to live with family members. I have been employed with the XXXX for 25 years, have a good salary, no open collections or late payments and a good credit score. However, none of these factors mattered when I applied for housing on XXXX XXXX, XXXX. The Management Company informed me that my credit score would warrant an approval, but they had to accept the decision not to approve based on the information that was received from CoreLogic SafeRent. For the sixth time, I have been denied housing based on the inaccurate court cases that CoreLogic reported. The inaccurate reports are misleading as it only shows the court cases as " case filed and claim amount '' which implies that the case is still open and the claim amount is still due. This is not correct and I suffered tremendously because of the inaccurate information. Had CoreLogic checked the court records, it would have realized that these cases were dismissed and there are no outstanding balances or money owed. I have faxed three disputes which have been ignored and no one has responded. Nor do this company answer the phone. I have not been able to get this resolved.
Consumer complaint received 2016-04-01
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: GVA Holdings, LLC (OH)

I applied for a loan, the company called my bank with me on the line and verified my information. I was told that the I was approved and that the money would be deposited into in two business days. at that time I was offered to received the loan in one day by paying an additional {$12.00} fee. On the day the money was supposed to be deposited in my account. I received a call from the company saying they needed a different work number. I had provided them with my supervisors number. They called after the wire cut off and there was no way to get me the money in addition they had been given the only number to verify my employment. I spoke to my supervisor this week. He was intending to discipline me because I broke security procedure and gave out the phone number. I corrected him and told him I had applied for a loan. He said the person who called him did not present themselves as a professional and he thought it was a customer. He said had they been able to communicate properly he would have verified my employment. I took a loan out to buy a luxury I did not have the money to buy. The company had me sign the loan document and said it was done. They did not keep their promise, as a result I have suffered overdraft fees and I want them paid. The company called me the next day after the day I was suppose to get my loan they wanted a different number. The damage had been done I told them I wanted nothing to do with them. Why would I go through this process a gain. Because the people doing the verifying are not American and obviously do not understand how to communicate when calling and asking for sensitive information. they were not able to verify. I have suffered do to the incompetence of this company 's employee and I feel they should pay my overdraft fees incurred do to their inadequacy. No I do n't want a loan from them. I want reimbursement of the fees they caused me with their lies. If my loan was not complete, they should have said so. I signed a promissory agreement and was told my money would be deposited on that day not it may be deposited. It was suppose to be a done deal.
Consumer complaint received 2017-02-13
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I found a puppy to purchase out of state - XXXX XXXX, Minnesota. The ad was on XXXX. After several conversations/emails/texts with the seller, I decided to purchase the puppy. She said she would handle the shipping. The only thing I needed to do was provide the crate rental fee - {$650.00}. This was through a company called XXXX. 
The shipping company representative contacted me and asked for payment. He then told me that their credit card machine was n't working and that I need to go to MoneyGram and send the money if I wanted the dog shipped. They provided me the form for renting vs purchasing. I chose to rent with 95 % of fund returned when they received the crate. I receive a tracking number that I could place on their site to see where the puppy was. 
The next day, I received another email from XX/XX/XXXX stating that the puppy was at the XXXX XXXX ' airport and that the paperwork for the puppy was insufficient. They needed {$450.00} to get all of the health approval and shots before they would ship to our home. The email also had a threatening Gov. Reg notice on animal abuse saying I could be subject to prison. I was suspicious and checked their website. The site said they made sure that all paperwork for pets were approved before shipping. I asked the XXXX Rep to speak to a supervisor. He hung up on me and I never heard back from them. 
The seller responded to my texts asking us to pay the money and she would pay us back. We told her to pay the money since it was part of the agreement. She said she did n't have the money but was trying to find the money. Then we did n't hear from her. 
I do n't know if this is XXXX big scam or XXXX ... sounds like it 's XXXX big scam. 
I lost {$1000.00} from this scam. I realize now after writing this that there are so many indicators that should have been red flags for me but I was so excited about the puppy. 
Here is the name of the puppy seller - She provided us with this info for the MoneyGram payment : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MN XXXX Phone : XXXX email : XXXXXXXXXXXX XXXX Ph : XXXX XXXX XXXX Email : XXXXXXXXXXXX Website : XXXX
Consumer complaint received 2016-04-20
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Paypal Holdings, Inc (FL)

This is a paypal line of credit that i was not aware of until today, XX/XX/XXXX. Apparently the account was opened in XX/XX/XXXX. When I opened my paypal app on my phone, it said I had a past due balance. I freaked out and immediately made a payment so that my credit was not impacted and then called Paypal to research. I was told by an agent and a supervisor that i opened the account and was accruing interest on charges made. I disputed and said this screams unfair/deceptive practices. All charges should have been posted to my XXXX and not a line of credit that I did n't apply for. Now what really upsets me is that I told the agent and supervisor that there was no way that I 'm the only person in this situation and they said I was and that i was unique. We argued for another 30 minutes that i 'll never get back and then she opened a fraud case. After I got off the phone, I just felt that I had to XXXX Paypal unfair deceptive practices and of course there is already a consent order. I then called back and spoke to multiple agents asking for the department handing the class for the CFPB order and none of the agents were even aware of the order or they are lying. Horrible customer experience and this means other customers, who are not aware of CFPB, are not getting helped. 1st, I want a refund/credit for money/interest/fees owed to me. 2nd, I would like to know that Paypal is required to disclose information about the consent order to all credit accounts opened prior to XX/XX/XXXX ( assuming that they fixed their credit extending policies ) 1st, I want a refund/credit for money/interest/fees owed to me. 2nd, I would like to know that Paypal is required to disclose information about the consent order to all credit accounts opened prior to XX/XX/XXXX ( assuming that they fixed their credit extending policies ) My PAYPAL account info is under XXXXXXXXXXXX and phone # XXXX.
Consumer complaint received 2015-09-30
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC. (PA)

Have letter dated from XXXX/XXXX/2015 from debt that is over 10 years old and has had many CFPB complaints filed on it before, removed from credit reports several years ago, now getting threats to collect.
Consumer complaint received 2016-06-01
Product: Bank account or service — Cashing a check without an account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I XXXX XXXX XXXX is disputing inaccurate information on an previous account with Bank Of America. I had the account bank in 2012 but I did n't attempt to transact with an account in any way. I had my Identity stolen from me at that time. I reported Identity Theft to all. Please help Contributor : Bank Of America Contribution Ref # : XXXX Bank Routing # XXXX Account # XXXX
Consumer complaint received 2015-06-11
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc (CA)

I enrolled in a payday loan debt consolidation program XXXX ( XXXX ) in XX/XX/XXXX owing XXXX lenders @ {$300.00} each. I finished the program in XX/XX/XXXX after XXXX withdrew {$400.00} each month for 6 months. I was promised a closure letter and finally received it XX/XX/XXXX. In addition, XXXX of the lenders sent me a letter stating that they had not been paid and that the item was in collection. This is true and my credit score has been adversely affected. XXXX XXXX, manager at XXXX XXXX XXXX XXXX states that they have been paid yet I have requested a proof of payment as recently as XX/XX/XXXX and have not received it. I contacted Ad Astra/XXXX and they state they have not received any payment.
Consumer complaint received 2015-12-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Credit Central Holdings, LLC (SC)

on XXXX the branch manager came to my home and harrsed my wife.He ask for me, but i was n't home.He told her that he would send the cops after me for stealing their money.also he said he would come to my job and inbarrese me.He also stated that this was his third time comeing to my home.
Consumer complaint received 2015-04-30
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (IL)

We had 19 month CD with U.S. Bank which was apparently automatically rolled over for another 19 months at maturity. The problem is that rate is extremely low ( 0.15 % ) and not competitive. When we asked what the cost would be to terminate the new CD we were told a {$25.00} fee, which is fine, plus a 3.0 % penalty, which is ridiculous. We were expecting to a few month 's worth of interest as a penalty.