davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-05
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: GEMINI CAPITAL GROUP, LLC (GA)

In 2012 I filed with the court a Notice of Intent to Defend, Response to Admissions, and a Response to Complaint on a Contract with Gemini Capital Group, LLC with XXXX XXXX XXXX as their Attorney. I never received any further communication after my Response to the complaint. My situation still has not changed and has in fact become worse. I have no checking account and own nothing. I am currently on assistance. I received a letter saying that I remain indebted to this company still, for an even larger amount. I feel like this company has already caused me hardship in the past by harassing me about this said debt and I would like them to stop. This supposed debt is from over 7 years ago.
Consumer complaint received 2015-07-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc. (TX)

Argon credit Collections and XXXX have both told me several times this is not my account and I am not responsible for this accounts that they do not show me as respondib left party. My XXXX year old son is responsible for these that dental work was done on him.neither will remove me saying they do not have any info on me. The dental office tells me they informed argon on XXXX XXXX. NOON ONE WILL REMOVE THESE COLLECTIONS EMBEDDED AFTER TELLING ME THAT THIS WAS A MISTAKE ON THERE PART AND WAS A EMERGEMCY CONTACT NOT A RESPONSIBL PARTY. BUT THEY SAY THEY CAN NOT REMOVE THEM NOW BECAUSE THEY HAVEER NO INFORMATION AND I AM N O T ASSOCIATED WITH THE ACCOUNT. NO ONE WILL REMOVE BOTH OF THESE COLLECTIONS ACCOUNTS THAT THEY SAY ARE NOT MINE PLEASE HELP ME GET THIS MESS CORRECTED. A.S.A.P. I HAVE BEEN TRYING ON MY OWN. FOR OVER A YEAR
Consumer complaint received 2016-12-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MD)

I continue to receive statements from XXXX XXXX XXXX saying I still owe them money. However I already paid the invoice through their debt collector Transworld Systems , Inc. XX/XX/2016, the most recent bill is XX/XX/2016.
Consumer complaint received 2016-05-08
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (AZ)

I was informed from my employer that a garnishment has been placed on my income. I then called Midland funding about the garnishment. They stated that they had sent me numerous letters to which I never received and that they had also served me with legal documents back in 2014. I stated to them that I never received any legal documents regarding their debt. They stated to me that the paperwork was not given to me directly that it was just given to whomever answered the door. I have n't a clue who could have been handed this personal, private information filled legal document as I was not staying at the address they had mentioned at that present time. So I was never able to dispute this debt that they are claiming that I owed to them. When asking who the original debtor was they stated that it was from a credit card company that I have not been a member of for the past XXXX years which means even by 2014 the original creditors debt should have dropped off or charged off. I am now facing Financial hardships due to their lack of business ethics.
Consumer complaint received 2017-02-10
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Recoveries, Inc. (PA)

I 'm on XXXX and there not supposed to be able accordingly to there letter to touch my XXXX but the have for the last 2 months and I 'm on XXXX also and I 'm XXXX household
Consumer complaint received 2015-09-15
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Advance America, Cash Advance Centers, Inc. (SC)

Left a voice mail on my phone threating to serve papers at work, they also spoke to my supervisor, and told her they were going to serve papers XXXX at work. Then this person threatened me with criminal charges. Check fraud t be exact.
Consumer complaint received 2015-10-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TX)

Diversified Consultants Inc. has been sending me harassing me w phone calls ( up to XXXX per day ) and letters ( XXXX or more per week ). They claim to be collecting money on a 4 year old XXXX account, but when I called XXXX they said the account closed and that I never owed a debt. I have disputed this with the XXXX credit reporting agencies and they removed the Diversified Consultants claim a month ago. But the company refuses to stop contacting me even though the debt does n't exist. I have requested proof of the debt and they have not provided it ( it does n't exist ) but they still keep contacting me. They refuse to talk to me unless I provide them with my SS # and address, I think this is a scam to steal my identity.
Consumer complaint received 2016-05-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (FL)

I am a XXXX and have been a top producing agent for more than XXXX years. My buyer used Loan Depot to obtain financing. From the get go, XXXX XXXX ( lender at Loan Depot ) never returned emails. I would get a couple here and there, but I would have to send multiple emails to get a response. After 3 weeks of her having the contract and clsoing date, she sent an email out that we needed an extension on the closing because she just locked the buyers loan in. That is after 3 weeks of being under contract. I was getting no where with XXXX because all of her answers didnt help, so I had to get in touch with a Manager. I spoke to XXXX XXXX. That was about 3 weeks ago and he said he reviewed the buyers file and it was a " squeaky clean, '' and he let me know he is a solid buyer with no issues. I relayed this to the seller, even with the sellers mother ( who is a broker in the area ) told me she does n't feel good about this company, and that is why they allowed the extension. I convinced the seller that everything would be ok and XXXX XXXX said the deal was going to be easy and there were not going to be any issues. All of a sudden I received an email from XXXX that stated the loan was denied. He would not give me any specifics, so I had a local company run the buyers credit, well the buyer did not get financing because of his credit. Its sad that Loan Depot took 40 days to figure out his credit was going to be an issue. I do n't get it!! I looked at the pre-approval letter andit said this was already taken care of. This is something that should have been known from the get go. I feel bad for both the seller and buyer. The buyer wasted $ XXXX on the inspections and appraisal and the seller was purchasing a new home and wasted {$1000.00} on her inspections and appraisal. I am just tired of companies like this lying to buyers and sellers and it needs to end. I am a real estate broker and if I conducted business like this, I would expect to lose my license or would have to take more schooling because I dont know how to work in this business.
Consumer complaint received 2017-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Public record State tax lien and Bankruptcy ( yr XX/XX/XXXX ), was disputed and previously deleted, and now on XX/XX/XXXX, a reinserted public record for the same state tax lien and banruptcy has been added to my credit report FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 
Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification
Consumer complaint received 2016-03-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

RE : Making Home Affordable Incentive Payments With the addition of the {$5000.00} Principle reduction incentive payment ( see here : XXXX ) XXXX issued a letter ( see attached ) notifying lenders/servicers that they send a notice to borrowers who qualify of the option to reamortize or recast their loan. The document specifically states : The servicer must ... 
provide written notice of an option to re-amortize the UPB, excluding deferred principal, over the remaining term of the mortgage loan if at the time of the notice the mortgage loan is in good standing. 
The written notice must be provided at least 60 days, but no more than 120 days, prior to the sixth anniversary of the XXXX HAMP modification effective date ; give the borrower at least 30 days, but no more than 180 days, from the date of the notice to respond to the re-amortization offer ; notify the borrower of any changes to principal and interest payments as required by applicable law ; specify changes to the payment schedule as a result of the re-amortization and total interest to be paid during the remaining term of the mortgage loan after the sixth anniversary of the XXXX HAMP modification effective date, both with and without the effect of the reamortization ; and include the contact information of the servicer and instruct the borrower to contact the servicer if the borrower has questions or concerns about the re-amortize offer. 
Not only did I NOT receive the letter from Ditech, I 've called many times and they will not send the letter. Further more, I was told on the XXXX/XXXX/XXXX when I called in by a supervisor, that my loan did not qualify for a recast! Their customer service reps as well as their supervisors are uneducated on the matter or playing dumb. Of course the consumers can only gain from the recast lowering their monthly payments and the date the PMI falls off which means less money for Ditech. I shudder to think off uneducated borrowers missing out on this opportunity simply because the folks at Ditech refuse to be in compliance with XXXX guidelines. I should have received notice XX/XX/XXXX but I did n't. And I was also told by a rep. that they were not required to send the notice of recast until the incentive payment was applied which is a lie. 

Ditech needs to be investigated and fined for their mishandling of this as well as perhaps thousands of other consumers.
Consumer complaint received 2015-07-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WA)

Hello, I was reviewing my home loan and noticed something strange. The lender is NOT applying any funds I make above my payment to the principal. 
Instead they are holding those funds in a separate account that I can only presume that is interest bearing, for them. There is a note on my statement that says : " any partial payments that you make are not applied to your mortgage but are instead held in a separate un-applied funds account. If you pay the balance of a partial payment the funds will be applied to your balance. " I looked for clarification and this is what I found : Unapplied Funds Balance. If you send in less than a full payment, this will show the partial payment, which we 'll hold until enough money has been received to make up a full payment. Once a full payment is received, we 'll apply the funds to your account. 

I have been making payments above my min and my next scheduled payment is in XXXX. 
I am NOT and have NEVER been behind. Green Tree bought my loan from XXXX Bank and again I have NEVER been in any type of default status. 

IS it lawful to hold back overpayments? I want to make them apply these funds to my principal immediately instead of allowing them to have a " slush fund '' on the side for them. These " partial payments '' have been in the range of $ XXXX $ XXXX.
Consumer complaint received 2015-11-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (GA)

I received a letter in the ail from XXXX XXXX XXXX XXXX account ending in XXXX to collect on an old Chase debt, Acct-ending in XXXX. I called XXXX and told the rep that the debt was not mine and also asked for more information about this debt. The rep told me it was from 2006 and I told him I never had a chase account and also that this was an expired time barred debt. Rep told me that it is still collectible. I asked the rep what I needed to do because I never had a chase account for credit and also I did n't want him or his company contacting me further due to a debt I never had. He told me he would start dispute and to file police report and submit letter. I told him I would submit letter but this debt is n't mine and he did n't give me any info to file a police report except the year this account was opened no further info to file proper police report. I wrote letter and told company not to contact me further that this debt was n't mine.
Consumer complaint received 2015-07-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (CA)

XXXX XXXX Fraud & ScamSince, XXXX 2013 I have XXXX XXXX Services. I just Recently, Signed another 2 Years Contract with XXXX. I order XXXX Phone with Color of my Family. XXXX Phone Came in with right Colors and XXXX Phone wrong Color I called XXXX and ask them to Change the Color and Tell told me to Return the Phone to any XXXX XXXX we 'll send you the Right Color? Since then I Never received any Phone and My Service from XXXX Disconnected and They send me the {$660.00} Bill me to Pay. I called them Many time and Whenever, I come to the Point to ask Money Phone Automatically Disconnect. Scam already set to Collect Money with in1-2 Mins and When Customer Service? Or any other Services will take 1-2 Hours waiting time. 
Scam Set for Asking Your Phone ... Zipcode .... PIN # etc etc. When Representatives Pick up the Phone Ask you Exact same Question You Feed on the Call on Automatic Call. It 's take another 5-10 Mins. Then They Start Conversation? CAN YOU PLEASE GIVE US 5-10 MINS TO REVIEW YOUR ACCOUNT? 
AFTER SCAMMING ALL THESE NONSENSE QUESTIONS? LET ME CONNECT YOU TO OUR SUPERVISOR? Them it will take from XXXX waiting time. 
When you ask from Supervisor all these question? Why My account due for {$660.00} Dollars? And Why My Services Disconnected? OH SIR OUR SYSTEM IS DOWN? WE WILL CALL YOU AS SOON AS WE GET OUR SYSTEM BACK. When You call them Back and ask Them Why I did Not Received the Call from your Supervisor? They Hang-up the Phone. 
They Take Your Number and Never Call you Back. I have tried XXXX times and Finally Gave up! 
I Need to File the Compliant Against XXXX XXXX and Get my Full Refund from XXXX and Disconnect the Services and Keep my Phone Numbers and Join other Mobile Services.
Consumer complaint received 2016-09-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Hello, I purchased a vehicle in 2014, which I was over charged for the actual worth of the vehicle. As a result the trade in value is double what it should be and I am in the whole about XXXX. The warranty I purchased says tat i purchased the vehicle for XXXX, but I actually traded in my deceased dads car, and also put down XXXX in cash. I would like a refund in the amount of XXXX. There is also a lot of minor problems I have experienced that were not disclosed to be at the time of purchase like the sway bar being lose, and the fuel sensor being bad. Something is wrong with the contract which has basically charged me more for the SUV than it is worth. This complaint also involves the dealership located off or XXXX XXXX at the XXXX Dealer.
Consumer complaint received 2016-05-10
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I underwent a refinance with CapitalOne last XXXX. During this process my home came in at a value less than expected, and I indicated that the loan offer was thus not very attractive to me. The loan officer then told me he would work on it, and I was presented with a final calculation of escrow plus payment that came to {$990.00}, less than what I was currently paying. However, he did not inform me at the time that in order to reach that calculation my escrow was only partially funded, leaving me with a negative balance that I had to make up. My mortgage payment just jumped to {$1100.00}, which exceeds my previous payment. Given that a loan officer would know that partial funding of an escrow would result in this jump, and given that I was never informed that this jump would take place ( my taxes and insurance would likely remain roughly the same, so these costs could easily be anticipated ), I believe the loan was crafted to present an artificially low payment to entice me to take the offer. It did beat other offers, and I selected this packaged based on this monthly payment. I believe that by not informing me of what would happen, it created this low payment, securing my contract, and left me as the consumer to pay a higher cost later to CaptialOne 's benefit. This was a very unethical business practice, for the loan officer did not tell me this would happen, nor was I informed at signing what would occur. I was just told " this is your payment. ''
Consumer complaint received 2016-03-01
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have a car loan with Capital one. They charged me 12 % interest on the loan. I have been making my payments as required with additional principal. The bank is posting my additional principal payments to interest. That means they are recording my account payoff to the credit bureau wrong and falsely reporting their revenue and AR balance to the Treasury and SEC. False reporting of your financial statements is a violation of XXXX XXXX. Who corrects this because the bank is just going along like nothing is wrong.
Consumer complaint received 2016-08-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Byrider Franchising, LLC (IL)

I purchased a car through XXXX Byrider in XX/XX/XXXX. Their bank is CNAC. after purchasing the vehicle, they have pulled my credit report without permission on numerous unauthorized occasions. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. These are hard inquiries and they did not have my permission/nor need to pull my credit report without my permission.
Consumer complaint received 2015-05-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (IL)

Owed an amount to XXXX which was cleared up with the tollway direct and agreed to have the collection agency remove any negative marks as it was not 100 % correct. As when I orginally reach out to XXXX XXXX before it had gone to collections the rep I had talked to said that she was removing the additional charges as long as the original tolls where paid which where. I never received any notice from the collection agency and only seen them reporting on my bearu to date I have not heard from the agency only see them on my Credit report I have tried to reach the corp office at the number, a number that I was provided by a cs rep at XXXX. ( the corp number I was given is XXXX ) but still have not heard anything from the collection agency and it is still being reported on my XXXX XXXX report after I was told it would be removed immediately after the situation was settled directly with the oirginal creditor
Consumer complaint received 2015-10-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

My mortgage loan is with HFC and I have not received a mortgage loan statement in over a year. 
I am delinquent on the mortgage and I have sought help from a HUD Housing Counseling Agency. I did do a payment plan with HFC to repay the delinquencies and they stopped accepting the payments. 
They did not not notify me of this in writing and have not sent mortgage loan statements for me to review and resume with the payment arrangement.
Consumer complaint received 2016-02-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (OH)

Midland Credit calls my phone 10 times daily from an XXXX call center, I have repeatedly ask them to stop but an hour later they call again, I have spoke with numerous supervisors with no success. I receive calls morning noon and night 7 days a week The number that calls is XXXX, they do not speak very good XXXX. I have been assured they will stop but an hour later I get another call. This has been going on for several weeks.
Consumer complaint received 2015-09-24
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (NY)

Again, American Express ( Amex ) failed to follow their term in their letter dated XXXX/XXXX/2015 ( copy sent earlier ). All their past responses to this complaint are irresponsible. Therefore, I will continue to file this complaint until Amex becomes responsible and transfers the XXXX earned rewards points to my open Amex account. 

I am in full disagreement with Amex 's failure to transfer XXXX earned points from my closed Amex account # XXXX to my open Amex account # *************** ( copies sent earlier ), because Amex stated in their XXXX/XXXX/2015 letter, " that as per the MR Terms and Conditions if you cancel your enrollment in the program and do n't keep open any American Express Cards, all points in your program account will be immediately forfeited ''. The key word in this quote is the word " any '', which pertains to my open Amex account # XXXX. On XXXX/XXXX/2015 I advised Amex in my letter ( copy sent earlier ) of this open Amex account. 

Amex needs to transfer my earned XXXX points to my open Amex account # XXXX per their terms and conditions. If then they are not in compliance with Federal banking laws.