davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

PYOD LLC attempting to collect a credit card dept from XXXX XXXX XXXX  XXXX for {$1400.00} This dept was opened.XXXX. 
This credit card debt was the result of identity fraud and had been disputed and previously removed from my credit report. 
XXXX XXXX XXXX
Consumer complaint received 2016-09-25
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

This is not about my credit score. This is about Bank Of America that made false promises to me about a dispute I had in the amount of {$420.00}. I have names of supervisors and representatives ( if needed ) that told me to provide all documents, which included 1 ) a letter of complaint describing what happened 2 ) receipt of purchase from merchant 3 ) a second opinion letter proving that what I purchased did not work. In short, I went to a XXXX to treat XXXX XXXX and was promised a XXXX week kit I bought for {$420.00} would DEFINITELY work. It did n't. I 'm still suffering with the same symptoms, seeing different doctors to help me, and had a letter from my primary doctor CONFIRMING this stuff was bogus and a rip off. Several times, I was told that second opinion letter would be sufficient enough to take that charge off of my account ( as long as it was within the time frame and it was ). So I faxed everything from a Bank of America in town and all documents confirmed it was sent. When I called to follow up, they said they " could not see " the second opinion letter. I said it was definitely faxed with everything else. They had me fax it again. This went on for months. They said they finally received it and would be sending me a letter. The letter said my documents given were not sufficient enough. I was furious. I called back to appeal the decision. This time I spoke to a supervisor in disputes ( again if needed, I will give names ) He said they must not have gotten the second opinion letter because that should definitely be enough to get the charge off my account. Again, I went to Bank of America to fax the second opinion letter from my doctor. Now, I got a letter stating that unfortunately, it 's out of the time frame. This credit card company is ran by nothing but a bunch of crooks. I will NEVER give them another cent. And I WILL be letting everyone know the experience I had with these people.Feel free to broadcast this anywhere consumers can see it, because I know I surely will!!! I have included documents that were faxed over. Please take note as you review, that some might be repeats but I want you to notice the time frame. I started this dispute back in XXXX ( it 's written on the doctor 's notes and it was all sent over within the time frame ). I am also fighting this dispute through XXXX. Thank you.
Consumer complaint received 2015-08-14
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (GA)

I had XXXX credit cards with Chase. 
They were both a a couple months past-due. 
I paid the cards off completely and, in doing so, brought them current. 
So Chase automatically closed the account. 
I had no notice the account had been closed. 
I did not find out the accounts had been closed until a message appeared online after I had paid off the accounts. 
If I had known the accounts were closed, I probably would have negotiated to settle the debt for less than the total, that included many, many fees. 
So Chase got their fees and then closed my account.
Consumer complaint received 2016-10-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MA)

I am submitting this complaint because the mortgage company, Ditech, that is the current holder of the mortgage on my house says that I am behind on at least XXXX payments. 
I filed Chapter XXXX Bankruptcy in XXXX, XXXX, as I was behind on my mortgage, as well as on some other bills. At the time I filed the Chapter XXXX, XXXX XXXX XXXX was the mortgage holder, it transferred to Greentree Servicing, then to Ditech Mortgage. 
The Chapter XXXX Trustee paid a total of {$58000.00} to both XXXX and to Greentree on the mortgage arrearages. I have paid all payments since the filing of the Chapter XXXX. When I had completed the bankruptcy, in XXXX, Ditech said that I was behind XXXX payments. 
XXXX payments. I gave them copies of the last XXXX payments that I had made. 
Ditech said they had received those payments. I then created a spreadsheet showing a all of the payments that I made since the filing of the Chapter XXXX. After their review of my information they said the payments that were missing were from XXXX, XXXX, XXXX, XXXX and XXXX, XXXX. I provided copies of the missing checks to their local attorneys, XXXX XXXX. At that point they said that I had underpaid some of the payments and that I owed Ditech approximately {$830.00}. I then gave the an updated spreadsheet showing that I had paid the amounts that were on the bills that I had received, and that I had actually overpaid by about the same amount. 
At the point the bankruptcy was concluded, and I thought that all payments had been properly accounted for. In XXXX, I requested an Escrow Analysis to ensure that there was sufficient funds in the Escrow Account as my Homeowners Insurance had recently increased as well as the Property Taxes. The Escrow Analysis show that I have approximately {$3200.00} in excess funds. They said a check would be sent for the excess in about XXXX to 6 weeks. After that period went by, I contacted Ditech to find out when the check would be sent. At that point, they informed me that I was three months behind on my mortgage payments. I sent them all the information that I had previously sent to their Attorneys. They told me it would take about 30 days to do their investigation. At the end of XXXX, I received a letter from them stating that I still owe them three months of payments. On XXXX XXXX, I contacted Atty. XXXX XXXX from XXXX XXXX who had handled the information back in XXXX. 
She was going to contact Ditech to find out what was happening. She has not got back in touch with me. At this point, I need to have make sure that all of the payments that I have made have been properly credited. I have been requesting full access to all the features of the website, due to the bankruptcy I was not able to use them, but now that the bankruptcy is over, they have not given me full access. I also would like to receive the check for the excess escrow balance.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I checked my credit report and I am upset about what I found out. There is a late payment remarked on it but I did not incur any late payments.
Consumer complaint received 2024-05-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MD)

( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2015-11-30
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CT)

My XXXX XXXX. was sold to a company called SLS, LLC. Since the onset in XXXX 2015, it has been a nightmare. 1. I could not get my mtge. paid to XXXX as I got the notice after the XXXX of XXXX 2015. I went to XXXX to make my regular mtge. payment and they could not accept it but also, could not tell me my new account information. 
I got the SLS info when I returned to the stack of mail. I called them and they did not have an account # assigned yet. I sent the payment in ( late ) and that has lead to a whole set of problems. 
The current situation is they have stopped sending me a monthly remittance/advice to use to send in a payment. I have been just sending in the check and using the account information given. I have just received a XXXX statement dated XXXX on the day of XXXX in todays mail! It is asking for XXXX on a mtge. amount that is XXXX, they have had it XXXX since day XXXX. 
What I need to happen:1. Who holds my mtge. 
2. I went through the HAMP and for the next 5 years I have a mtge. that can not be changed and/or sold. How did this happen? 
3. I want XXXX to take back the mtge. from SLS, LLC4. SLS has a unscrupulous reputation - how are they allowed to operate? 
5. Is there a class action lawsuit pending against SLS? 
6. If not why and when can I start one? 
SLS loan # XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, CT XXXX
Consumer complaint received 2022-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (WA)

Hello, Im contacting you regarding chime bank. ( online only bank ) I have an account there. 
I have not had a deposit in over two years but I have never made a withdraw, transfer, payment or otherwise. I have also never close the account. 
Periodically I get on the app and check it. I tried to get online recently and it said I do not have an account. 
I tried repeatedly and received the same message, so I sent an email to chime support. 
The following day I received a email stating someone would respond to me in XXXX hours., I sent another more detailed email stating that I have not touched the account. 
I received another email stating I should hear back from them in about XXXX days or so. 
I attempted to make a local police report, but was told that there is nothing local enforcement can do.The bank will handle it with their internal system. 
Being in somewhat of a panic about the situation I started scrubbing through all of my emails to see if they had written me regarding anything pertaining to my account. I did not find anything from them but inadvertently found XXXX letters XXXXXXXXsent in 2020 about a lawsuit regarding Chime. 
XXXX versus chime The paper stated that I was one of the people Who could claim benefit due to issues with Chime. This is the first time that Ive ever seen this mail. The other was 1 year later from the same sender stating that because I neglected to contact, I was no longer eligible for any proceeds incurred during the suit. 
I do realize these are XXXX separate matters, but I am hoping for advice and direction regarding both. 
Thank you so much for your help and your time.
Consumer complaint received 2016-05-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (MD)

I applied for a hamp loan approximately 4 years ago have gone thru over XXXX different loan officers and have been told that i qualified for loan only to be changed to another person. What i have gone thru is so unbeliveable that i was directed to go public and they gave me your email plus another to see if you can investigate because i have no were else to turn, I have done everything they asked over and over just to end up losing my house i have been in for XXXX years due to there mistakes and there is nobody to hold them accountable. i have put out large sums of money and have all the paperwork to back up everything that i have had to endure thru this nightmare.
Consumer complaint received 2015-08-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SECURITY CREDIT SYSTEMS INC (VA)

I have been repeatedly contacted by phone and through the mail by Security Credit Systems Inc in XXXX XXXX about charges from XXXX College in XXXX, XXXX, which I attended under the Trade Act, which covered all tuition, books, fees, and required materials ( in addition I also received XXXX State Grants each semester ). All charges should have been covered by either the Trade Act or the State Grants. I have repeatedly requested information specifying what the charges were for, and received a print out provided by the XXXX which indicated only " XXXX XXXX, '' with no itemized information provided. I recently received a letter from Security Credit Systems Inc which said, in part, " ... Because of your neglect we may be forced to recommend further collection activity. '' I find that statement to be threatening and harassing given that I have repeatedly requested information regarding what the charges are for, but have never received that information, and that is why I am reporting this collection agency.
Consumer complaint received 2015-11-13
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

There is a number that keeps calling me and my family members requesting I call them with a claim number ( XXXX ). I have called them back twice. The first time I called they answered the phone " legal department '' the second time I called they said " mediation department ''. They claim I owe debits to a payday loan company from several years ago. I have never done business with any of the companies they claim I owe. The stated if I did not pay the " settlement '' then legal action will be taken against me. They could not provide further informaton about the loan in question. I do not owe this debt and they continue to call me and my family members. I can not get them to stop. They do have my personal information. When I asked them the name of company they work for I was told it was XXXX XXXX out of XXXX Maryland I do not know how to get them to stop and protect my information.
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

On XX/XX/year> I noticed an unauthorized charge. I instantly contacted both XXXX ( the merchant ) and Capital One ( my card issuer ). XXXX said they could only do anything once the item had arrived and Capital One said that I needed for the payment to be processed before I could dispute it. As soon as I seen it as delivered I checked my porch, door camera, and XXXX  but had nothing so I called XXXX who wanted me to wait XXXX hours now so I check and it posted as well so I call Capital One to report it who then cancelled my current card, issued me a new one, and began the dispute. When I spoke to XXXX they mentioned to me that they think that perhaps my account had been compromised. I then called XXXX XXXX hours later to be updated just to be told I was already denied that they wont speak further about this to contact my bank. Later the same day I get notice of my XXXX account being permanently XXXX which makes me believe my account was compromised and they took action upon seeing that. I get a notification on XX/XX/year> from Capital One that XXXX supplied some information saying the transaction was placed by my account. I called in and was told we needed to open a new dispute as being an item that was not received instead of fighting the case as being fraudulent which didn't make since but since I had no options we did. On XX/XX/year> I get a notification that I didnt upload required documentation so my dispute was never began. I then call and ask about it and am told that I needed to upload the form from the previous correspondence as well as any other additional supporting documentation. I did then on XX/XX/year> I got a notification saying I didnt supply sufficient proof although I gave them my correspondences with XXXX and filled out their form. I called and spoke with a supervisor who said the documents I provided should be efficient so he sent me another link to upload them again however I got another notification later the same day saying I didn't supply sufficient proof. I don't know if XXXX placed the order as a replacement or if my account was compromised but what I do know is I didn't authorize the charge or receive anything from XXXX and Capital One has not thoroughly helped me with resolving this matter.
Consumer complaint received 2016-10-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Linebarger Goggan Blair & Sampson LLP (FL)

Call from XXXX Linebarger, Goggan, Blair & Sampson, LLP stating that my mother owed {$130.00} in tolls in the XXXX area. My XXXX year old mother has been in XXXX for the past 2 years and has not driven for several years. Also, she has never been to XXXX.
Consumer complaint received 2015-10-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (AZ)

I am on a donotcall registry and I have no debt and have great credit and I owe nobody. This is a voice generated message asking me to call them back to settle a debt, however they never ask for anyone specifically nor do they give their name or mention the debt owed. Their number is XXXX and the name " Receivablesperf '' comes up.
Consumer complaint received 2020-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by EQUIFAX regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX and closed. 

EQUIFAX violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$18000.00} and Charge Off Amount {$18000.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount {$18000.00} and a Charge Off/Close Account must show {$0.00} Past Due. 

3. Delete this account, because it shows Payment History reported consecutively as Charge Off - L in XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX year ; XX/XX/XXXX year ; and XX/XX/XXXX year ; Amount Past Due on a Payment history shows XX/XX/XXXX past due {$18000.00} ; amount past due XX/XX/XXXX {$18000.00}. Past due 30 days on XX/XX/XXXX ; past due 60 days on XX/XX/XXXX ; past due 90 days on XX/XX/XXXX ; past due 120 days on XX/XX/XXXX ; past due 120 days on XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as XXXX reported on my credit report. 

4. Delete this account, because it shows Credit Limit {$17000.00} on a charge off close account. 

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my EQUIFAX Credit Report and circled the violations, EQUIFAX violated in red color.

EQUIFAX must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2015-10-01
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (FL)

I would like to know if a bank has the authority to rearrange transactions in the consumer 's checking account after the funds is cleared in account? Or should the bank provide the consumer with correct, online, account information on all transactions made to the consumer 's account including pending fees?. What is the Consumer Finance doing to stop these banks from charging the helpless consumers from these excessive and unjust fees?
Consumer complaint received 2015-07-14
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Receivables Performance Management, LLC (UT)

Recieved multiple ( at least XXXX ) calls in XXXX days time frame. Never left a message. When I called back to see who was calling, I was repeatedly hung up on. When I was finally able to see why they were calling they said a debt was owed. When I asked for details I was transferred to another person to and started the process over again. Then I was hung up on again. I called back XXXX times and spoke to XXXX different people. When I asked for details on the debt, I was hung up on. When I called back, I asked to speak to a manager and was hung up on.
Consumer complaint received 2015-03-30
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Debt Recovery Solutions of Ohio, Inc. (OH)

Debt Recovery Solutions Of XXXX ( DRS ) did not notify me of a collection against my XXXX and reported the claim on my credit for {$470.00}. We were legally separated when she received medical services and our court orders specify that she is to pay her own XXXX above what insurance covers. I disputed the claim on my credit report and contacted DRS today, they will not remove the file stating I am responsible for her XXXX since we were still XXXX at the time.
Consumer complaint received 2015-03-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (ME)

I was charged overdraft fees on my checking account, when at no point did I have insufficient funds to cover transactions. In fact, the fees charged are what caused the overdraft. When I called to speak to customer service, I was put on hold for 23 minutes at which point I hung up. I then called my local branch ( XXXX ) and was told by the individual on the phone that according to the " dark side '' the posting of the transactions and fees caused the overdrawn status. I want the {$140.00} back that was taken from me. My on line banking does not show any negative balance at all, funds were sufficient, so I am unsure as to what " dark side '' the individual was referring to.