davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: GLA Collection Company, Inc. (NY)

On XXXX/XXXX/16 I received a phone call stating that I owed {$1800.00} to GLA collections regarding a debt from XXXX XXXX. XXXX the representative stated that many letters had been sent to my home address. No letters were ever received. He said he would send out a new XXXX. A week later I received the letter stating the debt, there is no remedy to dispute the debt on the letter nor any policies of GLA collection services for the state of New York on either the front or back page of the letter. I wrote to the address listed on the letter and sent it to them certified mail disputing the debt as it is not accurate. On XXXX XXXX I received the mail certification returned to me stating " return to sender undeliverable ''. 

On XXXX/XXXX/16 I called XXXX at GLA collection services and asked if they had received my letter and they said they had although I have proof from the USPS it was n't delivered. He then stated that an associate in charge of sending out the itemized debt was sick and thats why I had not received the itemized debt statement. I told them that I do not trust any letters that they sent because like the original collection notice they claim was sent several times, the itemized letter was not sent. I also stated how unprofessional it is to tell someone who is disputing the debt that because an employee is sick is the reason why the letter was n't sent. He assured me that the letter was going out XXXX/XXXX/16, today is XXXX/XXXX/16 and still no itemized letter has been received. 

I also asked him that until we could resolve the debt and amounts, GLA should remove the item from the credit reports, he stated that was not possible. He said just pay the debt and we can remove it.
Consumer complaint received 2020-09-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IN)

We have an alleged " mortgage servicer '' supposedly named Shellpoint that is attempting to collect a debt for a company that was order by the XXXX District of New York 's Bankruptcy court to dissolve and NOT service loans ever again under a pseudonym with their dba still being " XXXX ''. We have requested proof of bill of sale and transfer of accounts and proof of a document showing the Generally Accepted Accounting Principles because the letter that was submitted to us as response and to the Indiana State 's Attorney Generals office explicitly states that XXXX is no longer our servicer and NewRez will be going forward. We have yet to receive any proof of the debt as alleged in these confusing documents with multiple different variations of XXXX XXXX name still appearing as the loan servicer. We are very concerned that the company is still fraudulently attempting to collect a debt that they are not owed and not permitted to obtain. We have sent a Qualified Written Request to several different addresses they provided and only receive letters saying they are addressing our request and then another bill in the mail. Yet 0 proof of sale, GAAP or any valid response to our QWR Request for Inspection of Documents.
Consumer complaint received 2016-07-16
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (FL)

On XXXX 2014 my SS was stolen & used, and my Computer was acked : finally 2 years later they have taken out a lot but there are still error I am XXXX years old. my car was in the shop for repairs XXXX I need it for going to the grocery & Dr. appointment plus I had in 2014 XXXX & XXXX must see the XXXX XXXX XXXX time each years, My S S is very modest, please help me Thank you XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Fl. XXXX XXXX tel. XXXX
Consumer complaint received 2016-10-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: The Phoenix Recovery Group (TX)

XXXX XXXX with The Phoenix Recovery Group has contacted me several times via phone calls and emails concerning a debt that she says I owe her client XXXX Apartments in XXXX Texas. I have been in disagreement concerning this debt for a long time. I have considered trying to workout a payment plan because I simply wanted it off of my credit, but when she sent me her documentation concerning the debt I noticed several things that were invalid and several documents that I never signed or consented to I told her I was in disagreement and I would dispute the debt, she then said that since she had a copy of a signed lease she will just list me as a refusal to pay because I started to request more information concerning the debt. She is saying that I owe, {$4700.00} in debt the original creditor has no records of the account, she also says I owe a judgement, when I contacted the court, they had no record of the account. The account was a joint lease account but she has the full amount listed on my credit, but sends me emails saying that I would only be charged half. I told her I would dispute the debt, she became upset telling me that is why her company do n't give payment plan letters she also told me that my separation from my ex was not a reason to get out of paying the debt. She was rude, and her collection efforts were totally against the fair credit act. The documents she provided had no return address or number on them, they are documents that I had no idea existed, they look altered to me, and I do not feel comfortable sending this company anymore money concerning this debt. The experience I had concerning the entire issue was very emotional and for her to mention a very sensitive time in my life that she knows nothing about was very unprofessional and completely unnecessary.
Consumer complaint received 2023-07-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (WA)

XX/XX/2019 my XXXX XXXX XXXX was repossessed without any notice. When the man came to the house I immediately called Wells Fargo Dealer Services and explained that I had had a disabling accident on XX/XX/2019 but my payments had been made up to XXXX. I had called multiple times in XXXX and explained my situation and was told I was okay as long as it was not six months before there was no payment. I was working on my son paying the vehicle when they came and repossessed my car. They refused to stop the repossession when I was on the phone with them at the time the repossession company was at my house. I received no phone calls, no communication at all that the car was going to be repossessed. Then a year later a towing company tried to get me to pay them over {$3000.00} for the towing and storage of the vehicle. Wells Fargo has sent me about {$2000.00} in " fees '' the over charged but I only owed {$3700.00} on my car, they left me without a vehicle while in a severe medical emergency. I paid {$14000.00} for the vehicle and I believe they owe me everything I paid them.
Consumer complaint received 2015-04-12
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My lender is Select Portfolio Servicing. And, not by choice! My loan was sold to them by XXXX XXXX XXXX a year and half ago. Its been XXXX ever since! 
I had XXXX messages from my Relationship Manager so I called back SPS. While I am waiting for a human being to pick up, the recording is giving me the latest update on the status of my account. It starts off with " your forbearance payment of $ XXXX was received on XXXX XXXX, 2015. Your next forbearance payment of $ XXXX is due on XXXX XXXX, 2015 ''. 
I was shocked and horrified! I am NOT in default on my loan payments and yet, according to this account update from SPS, I am! When I do get XXXX ( relationship manager team ) on the line, I ask her about this. Mind you, this conversation is being recorded. I say, good! We will need the proof! XXXX starts off by telling me that I am confused! She says I am paid up ahead and that my next payment is not till XXXX 2015 ; further that since I paid extra, the XXXX amount is that much less. 
So, I ask her what happened to my XXXX payment that I made -- -on time, mind you. I get silence! Then XXXX insists that I am paid up ahead and that my payment was applied to XXXX 2015. Again, I question this statement and action on the part of SPS because I paid for XXXX 2015, on time. Finally, XXXX says that my XXXX payment triggered the Trial Loan Modification that I was approved for. 
Yet again, I am shocked and not a little terrified! Because, from what XXXX of SPS is telling me is that SPS took my XX/XX/XXXX-on-time payment, applied it to XXXX thereby forcing me to be in default!!!!!! Further XXXX is telling me that the Trial Loan Mod that should not have been triggered except by MY payment of their required amount by XXXX XXXX, 2015 was triggered by my XXXX payment! Even though the correspondence from SPS clearly indicates that the trial loan mod would only be triggered by my payment of $ XXXX by XXXX XXXX, 2015! 
So, I want CFPB 's help with this problem with SPS. SPS is operating outside the law and has committed FRAUD. What they did by forcing me to be in default when I am not is ILLEGAL!!!!! 
I would appreciate guidance as to what my options are in this case where my lender is corrupt and committing illegal acts as well as fraud with the mortgage loans that they service. 
Thank you in advance for your help!
Consumer complaint received 2021-10-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I AM REQUESTING ALL DOCUMENTATION FROM BANK OF AMERICA FROM XXXX. IN XXXX  WE THOUGHTWE RECEIVED A MORTGAGE FROM XXXX XXXX XXXX XXXX. AFTER FURTHER INVESTIGATIONTHERE WHERE A NUMBER OF LOANS WHICH WERE TAKEN OUT ON THE PROPERTY XXXX XXXX XXXX, XXXXGA XXXX. THE ATTY WHO WAS INVOLVED UTILIZED OUR INFORMATION AND APPEARED TO BE IN CONNECTION WITH THE CURRENT HOME OWNER AT THAT TIME, IT APPEARS THEY WERE OBTAINING FRAUDULUENT LOANS TOGETHER/GHOST LOANS PER OUR INVESTIGATION. I PREVIOUSLY SUBMITTED A COMPLAINT REGARDING PROPERTY AT XXXX XXXX, XXXX GA XXXX. IT APPEARS AROUND THE TIME IN XXXX WE THOUGHT WEWERE RECEIVE A MORTGAGE FROM XXXX XXXX XXXX XXXX WE DID NOT ALTHOUGH THE PAYMENT COUPONS WERE SENT. THERE WAS A LOAN TAKEN OUT ON XXXX XXXX XXXX BY XXXX XXXX AT THE SAME TIME WE THOUGHT WE WEREAPPLYING FOR A MORTGAGE WITH XXXX XXXX XXXX XXXX. MY SPOUSE FILED ALLFRADULUENT ACTIVITY IN THE US BRC OF XXXX GEORGIA IN ORDER TO OBTAINAN INVESTIGATION FROM THE TRUSTEE. THE JUDGE DID NOT APPROVE IT. MY SPOUSE 'S BRC CASE IS STILL OPEN IN THE COURT XXXX.THE ATTORNEY ISALLEGELY SERVING 15 YEARS XXXX XXXX XXXX. MY SPOUSE FILED A LAWSUIT INTHE BRC AND OF COURSE IT WAS DISMISSED. WE WERE PART OF A PONZI SCHEME. WEWERE VICTIMS. THERE IS A LEGAL COUNSEL INVOLVED WHO WAS PAID A SIGNIFCANTAMOUNT OF MONEYHOWEVER, IT APPEARS HE IS STALLING AND WILL NOT RESPONDTO OUT CALLS. HE KNOW EXACTLY WHAT HAS TAKEN PLACE.
Consumer complaint received 2016-04-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (TX)

During the annual escrow analysis for my mortgage, it was determined that I would be refunded {$3100.00}. I noticed this by viewing my escrow activity online at US Bank. I waited for the refund to arrive for more than 30 days. When the refund never arrived, I contacted US Bank to inform them. I spoke to the kind and respectful customer service supervisor, XXXX ( Unit Identifier : XXXX ) and she informed me that there would be a {$15.00} reissue fee, should I decide to have them reissue the refund. I questioned the validity of such a fee as I had not at any point accepted the refund and additionally, I have no way of knowing the payment was actually sent to me. Meaning, how do I know that the refund was ever actually issued? What would stop US Bank from declaring that they had sent the payment, when in fact they had not? 

The only proof of such an issuance was US Bank 's records. Which means that the only way for me to know that they had actually issued the payment was ... you guessed it, US Bank. In other words, " you know we issued it because we told you so. '' There is absolutely no other recourse. 

So, I was presented two options : Option 1. Pay the {$15.00} extortion, ahem " fee '' or Option 2. wait six months until the check expired. Now, {$3000.00} is no small amount. In fact, if I were more desperate, I would have paid the fee without a second thought. I can only imagine the countless working poor or elderly folks who would have to bite their tongues and pay the fee because the need for the money is so great. 

Put another way, if I were to send the bank a mortgage payment by mail and it never arrived, could I then charge the bank for reissuing another check to them? If I can, this is great news as this amounts to a {$15.00} dollar discount on every payment henceforth ( well at least, if I were a dishonest sort ). I suspect this is not the case and that in fact, I would be slammed with additional fines for delinquent payment. I am quite furious at the nefarious implications here. How do I know that financial institutions do not simply pretend to issue refunds, then when XXXX Consumer calls they inform him he can receive the payment if only he pays a " small '' ( an operative term depending on one 's financial status ) re-issuance " fee. '' This seems to amount to an exercise in extortion. " That 's a really nice check there, it be a shame if you 'd have to wait six months for a re issuance. '' " If you pay me {$15.00} I can make sure we send it out soon. '' XXXX XXXX would be envious of such a racket. 

What I am asking for here is : 1. A determination of whether such a fee is legal. 2. A definitive determination that the refund was in fact sent ( something other than " because we told you we did '' as I am not sure how such proof holds up in the eyes of the law ). 3. I wish to receive my refund ( money already overpaid for a year ) without paying a fine for receiving it. 

Thank you for your consideration in this matter.
Consumer complaint received 2024-03-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC (VA)

T-Mobile communication, through a debt collector named Front Asset Strategies ( FAS ), requested that I pay the amount of {$410.00} for phone service. I paid the final bill in full after requesting to cancel the service. Later, I received an email from FAS dated XX/XX/XXXX requesting the amount to be paid. I immediately contacted FAS for an explanation and details. According to XXXX  the presumed owed amount originated from a phone XXXX offered at non-charge for initiating the account. During the cancellation process, the agent argued that I XXXX have to pay for the phone for choosing to cancel my service. I offered to return the phone, but the agent said that the company would not accept the phone to be returned. Nevertheless, I submitted an online dispute through the FAS website in early XXXX disputing the charge. However, I received no communication or status of my dispute from FAS. The disputed amount has now been posted on my credit report. FAS did not allow me to settle this matter before reporting it to the credit agencies. Moreover, they failed to provide me with the information or documents indicating the source of the debt, and whether it was for the free phone or unpaid service bills. I submitted a new dispute on XX/XX/XXXX requesting proof of answer to my initial dispute and proof of debt. I strongly believe this business practice is unethical and could likely violate an agreement rule offer/acceptance. The XXXX agent verbally offered a free phone for initiating service, and I accepted the offer to start a new service. Thanks!
Consumer complaint received 2022-09-06
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. (TX)

Hi I am submitting this XXXX XXXX this isn't 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 im XXXX now.with no help.
Consumer complaint received 2022-02-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SG and Associates (FL)

started receiving calls approximately a week ago from a company Called the Stafford Group located in California. Tel number ( XXXX ) XXXX from a XXXX XXXX XXXX STAFFORD GROUP AND ASSOC 1940 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX They are trying to collect a debt that they say i owe in the amount of over {$1000.00} which is not even close to the charge off amount by the bank. I contacted the bank today to find out that the account was sold to someone else. During this time, there has been possible fraud on my social security number and drivers license information all within the same time period. In the meantime, i have freezed all credit reports and placed a fraud alert on my records. 
They claim that i have been mailed collection letters which to date, i have not received and they also promised that they would send me an email to collect because they do not want to use paper because electronic files work best for them.
Consumer complaint received 2024-03-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (VA)

I opened an account in XXXX  for the Discover IT student card. Discover stated that they requested documents from me which I never received a letter in the mail in regards to. The forcefully closed my account with any notification or warning of closing the account. This now lingers on my credit report as a closed account
Consumer complaint received 2020-07-14
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. (AR)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed debt. I did a little investigating and I was told that someone has given my name and social security number to claim m. Aoney every month they have the wrong person I decided to pull my credit report and it showed the exact same thying and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please removethese fraudulent items from my credit report
Consumer complaint received 2016-02-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (FL)

They 're saying I had gotten a phone with XXXX I got a bill for XXXX dollars back in 2013 but not thinking I never gave it attention and now they got me on a XXXX dollar bill that I never gotten or was told about just ended finding out about it on my credit report and I need to resolve this. .please thank you
Consumer complaint received 2017-01-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Coradius International LLC (IL)

American Coradius International LLC, calling from XXXX, calls daily claiming that they are attempting to collect a debt. I have no outstanding debts and this was verified by my credit report.
Consumer complaint received 2015-04-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I recently got almost XXXX taken from my checking account from a 3rd party global collection from Bank of America.. They said it was. " tax levy indiviual " withdrawel from XXXX an audit done on my taxes from XX/XX/XXXX. I also have a mortgage issue with Bank Of America where i pledged my stock to get a mortgage when i got another company to pay that loan, BANK OF AMERICA is refusing to have ever taken my stock as collatorall and XXXX will not speak on it they sold my debt to XXXX XXXX in XX/XX/XXXX! Can you help?
Consumer complaint received 2015-09-23
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (OH)

On XXXX XXXX, I sent a payment of {$400.00} through PayPal to my daughter. I, later that same day, sent another {$400.00} in error because I did n't think the first {$400.00} had transpired. 
I cancelled this last {$400.00} and my daughter also refused the payment. Paypal continues to take that {$400.00} out of my checking account regardless of assuring me that the payment was cancelled. They are now also taking an additional {$400.00} out that was never received by my daughter. They tell me because my bank refuses payment they will continue to withdraw the funds even after it was cancelled and refused.