davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MFP, inc. (FL)

I received XXXX letters for regarding accounts # XXXX and # XXXX. The letters from Financial Credit Services were dated XXXX XXXXXX/XX/2015. They said I owed XXXX amounts XXXX {$250.00} and XXXX {$500.00}. It said it was from XXXX XXXX XXXX XXXX, but did n't give any detail. I did not recognize the debts and do not believe them to be mine, so I requested validation and proof I owed them the alleged debts. In the letter I requested competent evidence I had a contractual obligation to pay them the alleged debt. I also disputed the debt and asked for validation including copies of any agreements signed by me, explanation of the amount, identify the original creditor, if any insurance claims were submitted alone with either documents regarding assignment of the alleged debt or proof the alleged debt was purchased. I later received XXXX letters, XXXX dated XXXX XXXX, saying the requested information was enclosed. Neither letter specifically addressed any of my concerns nor provided any of the information I requested. XXXX " letters '' provided online print-out of basis coded information. The XXXX account for {$250.00} did not even list my name but my daughter 's name and the account # XXXX showed my name, but does n't provide any information regarding what the debt was for, that it is my debt. The online prints out are very basic and encrypted. I subsequently mailed them XXXX more letters via certified mail notifying them that the online printouts do not qualify as validation or specific proof the debts are mine or I have any obligation to pay them. I still do not know what the debt was for nor do I have any clue they own or was assigned the debt. Financial Credit Services did not respond do either of the XXXX letters and on XXXX XXXX submitted the debts against my credit report. I believe their practice is against the law and does not comply with the debt collection policies. I do not owe these debts and they will not provide proof I owe them.
Consumer complaint received 2016-11-01
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (NC)

Caliber Home Loans, Inc., XXXX. XXXX XXXX, XXXX, TX XXXX ( Account Number XXXX ) maintains a suspected practice of receiving home loan payments before the deadline of the XXXX of the month, holding payment several days and posting the payment after the deadline for the purpose of charging inappropriate late fees. I mailed a payment on XX/XX/2016 and Caliber acknowledged that they received the payment prior to the XX/XX/2016 deadline. However, Caliber Home Loans , Inc. did not post the payment until XX/XX/2016. When I complained that they had adequate time to post this payment before the late fee deadline, they defended themselves by claiming an inability to handle their heavy workload. I feel this is an inappropriate business practice that borders on improper. Customers should not be held responsible for the poor processing of payments by this Mortgage Company.
Consumer complaint received 2017-01-30
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

The collector served court notification papers to a family member who is not me and was unaware of what was even happening. I contacted an attorney to represent me and the attorney communicated with the collector 's attorneys ( I have email records ) and reached an agreement to not pursue the case. I recently found out that the collector still proceeded with the case in court and received a judgement without either my attorney or myself present.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Key 2 Recovery, Inc. (IN)

I disputed key 2 recovery ( Indiana XXXX ) with XXXX XXXX on my credit report that was discharged as part of my bankruptcy. I provided court documentation to XXXX after contacting this company XXXX XX/XX/XXXX. This item was discharged XXXX of XXXX but continues to remain on my credit report even though its been established that I am not liable for the debt.
Consumer complaint received 2016-03-19
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MT)

Repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone They call at all hours, including early morning and late at night. This debt is over 8 years old and no longer reported to consumer credit. I also received a notice from the debt collection company saying they would continue to try to collect the debt even though they could not sue me. The original debt was {$500.00}. With all of the fees it is now up to {$1600.00}. I am currently on unemployment, live in a rural area and am unable to pay this debt. The debt was incurred when my husband was passing of XXXX XXXX and it was used to help with expenses. In 2008 I lost my XXXX position due to cut backs and have had a difficult time financially since.
Consumer complaint received 2016-10-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ND)

Company called " Portfolio Recovery '' is calling my cell phone, but will not say who they are calling for. When I ask for the name of who they are calling they will not answer me. I have requested that they send me by mail a letter explaining this " debt '' that I am totally unaware of, and the woman gets short and says she wo n't work with me unless I give her my name. I feel she should know who she is speaking to before I release any info over a cell.
Consumer complaint received 2016-01-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I received a collection letter from Portfolio Recovery Associates concerning a computer system purchased from XXXX XXXX through XXXX XXXX. The computer was purchased around XXXX 2011, with no interest charged due to my high credit score. This system was paid in full on XX/XX/2011 by electronic payment from my credit union. I have the XXXX statement showing the full amount of the last invoice I received from XXXX as paid. Portofolio Recovery is demanding payment in full of {$1000.00} even after I provided a copy of the XXXX 2011 CU statement showing the final invoice amount of {$370.00} as paid from my account. They continue to send letters with additional demands which I answer within their time limit, but I do not send additional information except to inform them that their info is incorrect and that I never received any correspondence, of any type, from XXXX, concerning this bogus past due account. I also informed them, to no avail, that IF this was a past due account any reputable company would have made contact sooner that four years after the fact. I understand that this company has some very questionable history in matters of this type.
Consumer complaint received 2016-05-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I financed the purchase of my Toyota Corolla XXXX in XXXX XXXX through Toyota Financial Services. I paid off the loan at the end of XXXX XXXX and took delivery of the Certificate of Title from Toyota Financial Services on XXXX XXXX, XXXX. I was however, shocked to read their attached letter which clearly stated that " We encourage you to re-title the vehicle immediately upon receipt of the title/lien release document since all records maintained by your state of residence will continue to reflect our lien on the vehicle until you do so. '' I called Toyota Financial Services to complain that they should re-title the vehicle and not pass the cost to me. The representative who took my call ignored and was informed that I would lodging a complaint with the CPFB. In fact, I even finished paying for the vehicle over four ( 4 ) months before its original maturity date and deserved not to be treated rudely.
Consumer complaint received 2015-03-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (SC)

i just found out that my name was primary on mortgage loan for at XXXX XXXX XXXX, XXXX, SC with Owcen Financial Corporation that was awarded to my es wife. A Quick Claim Deed was to be record with the divorce agreement, which give her ownership of property 100 %. This property went into foreclosure this month XXXX XXXX, 2015 after being 9 months in rear. 9 months ago my ex wife purchase another property. Her Loan to Value ratio would allow her to purchase another property with debt of the first property. After talk with XXXX, i was the point of contact for first property but. I dont own the property anymore. I strong believe that my signature is on document release her from debt to purchase another property and clear her from the first property. I have made complaint with SC XXXX XXXX XXXX XXXX, I have inform the Fraud Department at Owcen and XXXX XXXX XXXX, LLC of my concern due to Quick Claim Deed not being filed, record and attach to note. There has been some Fraud in the purchase and with debt being left on me.
Consumer complaint received 2016-11-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (VA)

I would like the CFPB to take a journey with me. I am once again applying for a loan modification with Ocwen Loan Servicing. I uploaded my HAMP application to the Ocwen website on XXXX/XXXX/2016. I did not get a confirmation email from them. On XXXX/XXXX/2016 I submitted an email to the Ocwen Omsbudman and have not heard back from them to date. I logged onto my account today XXXX/XXXX/2016 and there was an email in my mailbox that indicated that they mailed me something because I did not provide all of the proper information. This is how the interaction began two years ago when I tried to apply for a loan modification with Ocwen. Ocwen tells you that you did not send in the right information so the processing timeframe gets restarted. I fear I am in for the same experience. I am going to track this process and ask that you take this journey with me. There is something going on at Ocwen that has to be out of compliance with the law.
Consumer complaint received 2023-08-24
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: Experian Information Solutions Inc. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2016-07-08
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I spoke to a representative, XXXX XXXX and she said if I sent my reqest for financial hardship and financial statement they would forward to capital one and then we could discuss settlements. They have record of receiving my financial statement but instead of forwarding it they filed a lawsuit without ever contacting me or giving me a different option. Now I ' going to have a judgement on my credit report where it cold have easily avoided. It 's obvious they use lawsuits as a threatening and intimidationg tactic.
Consumer complaint received 2016-10-27
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

I went to XXXX this afternoon. I have been a 10+ year customer of USAA . I have a XXXX credit score and perfect payment history. I went to pay for my order and was utterly embarrassed as I was declined in line. I contacted USAA who let me know that a letter was going out dated today notifying me of the reduction of my credit line from XXXX to XXXX dollars. They mentioned the reason was that I do not maintain a high enough balance which could n't be farther from the truth as I frequently spend XXXX a month and pay it off. I could not have been more embarrassed to be declined in line. To make matters worse USAA reduced my line below my outstanding balance which will affect and be reflected on my credit as " exceeded credit limit ''. I could not be more upset at the lack of notification from USAA. They provided no resolution or explanation.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above. It reports late 90 days!!!! REMOVE NOW!!!
Consumer complaint received 2023-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (AR)

In XXXX, I applied for an XXXX repayment plan in anticipation of student loan payment resuming. I never heard anything. When I looked up my account on Mohela, it said I was in forbearance. I attempted to call to ask them if I could make payments during forbearance to count toward my PSLF ( I have {$30000.00} of loans that are 4 payments away from forgiveness ). It took multiple attempts and finally a three hour phone to get some answers ( which ultimately led to more confusion. ) I was told that my repayment plan request could not be processed because they needed more information. ( I never received any communication to this effect. ) It was explained to me that they needed my last five years of tax returns in order to process my repayment plan application. I tried to explain that I'd given that access via this website/IRS. The representative I spoke to said that didn't count. When I tried to ask why they needed tax returns going back to XXXX ( because I had been in repayment in XXXX and they should already have access ), I couldn't get a straight answers. I think asked for correspondence that explained what documents were needed and where they should be uploaded. ( You can imagine that five years of tax returns might be a significant amount of pages. ) The operator said she just needed to rerun my application that it had been processed under the wrong plan, and I should hear something in a week. That was a month ago. Since then, my account is still in forbearance. The only communication I have gotten from Mohela is a note saying that they were slow in processing communication. I have tried to call on multiple occasions, and the wait times were over an hour long. I have contacted my Congress person and complained to the US Dept. of Ed. I still don't know what if any info is needed, what my payment will be or when it will be due. I also don't know what I need to do to try to get four more payments credits to reach PSLF.
Consumer complaint received 2019-01-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (WI)

My personal loan lender, Wells Fargo Bank, assessed a late fee charge of {$39.00} on XX/XX/2019. This fee was a direct result of a payment processing error created by a phone-banking representative. 

During my XX/XX/XXXX bill cycle I had attempted to have the Wells Fargo Loan Servicing Center process a telephone payment of the regularly scheduled amount but unfortunately it was applied to the wrong Wells Fargo account. I realized, and sought to have this corrected, about a week later with a phone call to the same center. During that very phone call, however, I requested the balance, LESS the current amount due, to be paid in full as I preferred to handle the outstanding issue of the misapplied payment myself to avoid any further complication. Another bill cycle passed and the payoff never took place. Since then, and on multiple occasions, Ive attempted to follow up with the same center about this issue but I have yet to receive any follow up service ( phone or written correspondence ). 

I have even visited the local bank branch to get some help with this issue as well as pay the loan balance in its entirety. But with it still not being resolved at the time of submitting this complaint I left a balance on the account in anticipation of this correction/reversal.
Consumer complaint received 2023-10-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (FL)

I received a call from on XX/XX/19, the person was claiming to be from JP Morgan Chase bank fraud department. I ask them to identify themselves they sent me a link to confirm I am speaking with a chase representative, they also we over the last XXXX transactions and the merchants. She then went on to say the reason for the call was because someone attempted to use my debit card ending in ... .at a XXXX. I said how I am in possession the card. She said not sure we just need to order you another card. She said will take XXXX business days, but with a charge of {$5.00} I can get it in 3 days. I told her yes I want that option. Then on XXXX  I believe it was the same person called said they need XXXX to set up fraud alerts so this doesn't happen again., Then while on the phone with her I get notification pop up do you authorize {$6300.00} withdrawal. I screamed and told her what is this what is going on then call drop. I checked my online, and exact funds were taken out. I rushed to the nearest Chase branch which is my locate branch in XXXX FL it is on XXXX and XXXX, XXXX XXXX XXXX. I spoke with representative banker XXXX XXXX, who confirmed that I have been scammed. A debit card was active and sent to XXXX, FL. I had to open a compromised new checking account. I do not even know anyone that lives in that area. I begin to cry hectically. I filed a claim, and a police report and it is being looked into, I had to give my employers the new checking account to update. Now, I am broke, maybe put out my apartment, my entire paycheck gone. I am single mom no government assistance trying to feed my child.
Consumer complaint received 2019-01-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Key Management Company of Missouri, LLC. (OK)

I applied for a small loan. I got the loan and made payments on time by phone. A situation has come up where I am not able to make the payments on the scheduled date. After several calls from XXXX XXXX at my place of employment they told my coworker they needed HR for garnishment. That is a violation of Consumer Debt Act. Secondly the coworker explained to them that this was a business and not to contact me here. They continued. On XX/XX/XXXX, I made a payment that I could manage to pay as well as a cease and desist letter advising them that they are not to contact me by phone as they call during working hours and I was now on probation for the excessive calls. I also made it known to not call my references/third parties and to have any further communication with me through mail. They have continued to call me daily. Today XX/XX/XXXX They called a reference/third party which again is a violation of consumer debt as I have given them written notice to not contact my references. I also provided them with proof of a garnishment already in place by another facility so threatening garnishment wasn't helpful nor telling my job they wanted to do a garnishment as they, by law, can not state that information. I would like to know what my options are since my rights have been violated.
Consumer complaint received 2023-10-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I was a XXXX  XXXX  and went on job training. Then my boss tell me to stay home and other team from work told me not to pay me. Later one, I have to face bill which I can not and face another stress with job search. Then I have to face closing down with no reason. It was happen with chase account. Same happen to my other personal account because fraud with someone access online or did something over my account. I got bill from XXXX  and try find a job. A job reduce my hour and determination. I got kick out the home. My bank chase has to force to face down. I can not have job which pay more. Chase bank force me saying i can not being customer with them. A fraud team again me without listing all complain. My network got hacked as well too. The report I had and rejected. It was so weried. My home got fraud and bank as well. I hear someone tired to close down my chase bank. I tired to run away from home. My home got fraud by someone walk in to home.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

These listed items are entirely incorrect and must be rectified. I am aware that the law requires you to complete your investigation within thirty days. I look forward to your response. These items are not accurate and are causing me both financial and emotional distress due to their negative impact. I am the person making this complaint & I give CFPB authority to investigate this claim. The following items should be removed : XXXX XXXX and XXXX XXXX. Please remove these fraudulent accounts ASAP.