davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-30
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: JPL Recovery Solutions (MO)

Today XX/XX/XXXX XXXX XXXX from JPL Recovery Solutions, call my phone left message for my husband that I said she was verifying my information for a job I had applied for, she also called my daughter and mother and told them the exact same thing. That I had applied for a job, and she was just verifying my information with them because I used them as a references. This is the second set of calls that my family has received from this company. The first time it was a guy named XXXX that called. He also called my mother, daughter and a cousins husband. When I asked her to quit calling all my family she said that I used them as references and she could call them if she wanted to, so she could verify my information.
Consumer complaint received 2022-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2016-04-18
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. (FL)

They say that I had a contract with XXXX which I had taken care of my obligation. I keep telling them to send me a signed contract which there is none. I cancelled my service after over 12 years of service. They call me everday and several times a day.
Consumer complaint received 2016-07-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (NJ)

I have PNC Bank Checking virtual wallet account.On Wednesday Night around XXXX I received TEXT alert that they transferred {$2.00} overdraft protection account and balance was LOW and woke up at night ran to PNC ATM and Cash DEPOSIT in amount of {$200.00} at XXXX and my available balance was {$170.00} after same night around XXXX I received TEXT alert that my account is overdrawn on thursday morning XXXX ACH DEPOSIT came in my account in amount of {$10.00}, {$12.00}, and {$50.00} Total XXXX ACH deposit around XXXX. TOTAL DEPOSIT ( Cash+ACH ) is {$270.00}. 

So I did my part and act quickly to make account in positive balance BUT they still charge me {$36.00} fee for overdraft this is insane and they refuse to waive charge.
Consumer complaint received 2020-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (PA)

1. Received collection letter from ProCollect on XX/XX/XXXX. 
2. Did not recognize original creditor ( apt I had never lived in ). 
3. Submitted debt validation letter on XXXX to ProCollect via certified mail 4.  Received debt validation lease contract on XX/XX/XXXX with information that showed debt did not belong to me ( DoB, address of residence is not mine ).

5. Sent letter to ProCollect pointing out that the debt was not mine, with driver 's license as proof showing it was not mine.

6. ProCollect filed the collection against my credit accounts anyways, despite the evidence I provided, in attempt to coerce payment.
Consumer complaint received 2015-11-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I get contacted all the time for a debt for a Credit card I have never owned. I never owned a XXXX XXXX card. The person they are looking for is XXXX XXXX and I do not know this person. But they follow me when I move. I have been threatened in the past, and gotten threatening calls saying they would contact XXXX. I do not know this person, and my wife and I are the only ones who live together. But they look for this person wherever I move. It is clearly identity theft of some sort.
Consumer complaint received 2016-06-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Early Warning Services, LLC (AZ)

I opened an account with XXXX XXXX XXXX around XXXX Used the the account to deposit funds, used my card for gas that day after work. The very next day tried to use my card at the ATM to deposit my check and was told my accounts were closed. I went into the branch and talked to a banker who stated that my account was closed due to Early Warning services and XXXX XXXX. I was unsure what this meant. I was given their number, so I called and told that XXXX XXXX XXXX closed my account after a second review. The review showed I had an account opened in XX/XX/XXXX and placed on their for owing. I disputed the activity on my record after trying to open another account, i was then told that XXXX XXXX XXXX also placed me on Early Warning services for that account that was closed 2 days after opening for being XXXX over limit, it was over limit because they refused my deposit ( which I also paid that balance the same day ). I also disputed XXXX claim it was investigated and the only response I got back was the report stand. I dont know what else to do and i need to manage my life and have a good bank behind my financial needs.
Consumer complaint received 2016-08-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (VA)

I requested this company Resurgent to provide documentation about the debt they are trying to collect from me. I talk to a customer service rep over the phone twice and she said that they do n't have the documentation right now, that I would have to wait for them to get it, I sent out two emails one on XXXX/XXXX/2016 and again on XXXX/XXXX/2016 asking them to send me verification and documentation of this debt and I have not had any response from the email. I also sent a certified letter requesting this information and I received my return receipt on XXXX/XXXX/2016, but to this day I have not received any verification or documentation as of yet.
Consumer complaint received 2016-12-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (VA)

I am unable to pay mortgage because of hardship due to over extended expenses and medical problems. I therefore applied for home loan modification to XXXX. While the process was going on, they sold my loan to Bayview Loan Servicing. For two months I keep calling customer service and they report that they are unable to help because the loan has been sold. I recently receive a notice that the house is foreclosed and a sale date is XX/XX/2017. I receive no notice from Bayview of the sale.
Consumer complaint received 2016-10-13
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (TN)

I have a variety of accounts with Suntrust Bank, all of which are supposed to be no fee. Every few months, I will start to see fees again. I have to go into the bank, meet with an advisor who always apologizes, says the fees are erroneous & takes them off. This lasts a few months & then the fees reappear again. This happens on my accounts, my children 's accounts and my husband 's accounts & is chronic & ongoing. Very frustrating & seems fraudulent.
Consumer complaint received 2016-09-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (MD)

On XXXX XXXX, 2016, I spoke with a representative from Wells Fargo Dealer Services about questionable late charges ( totaling {$400.00} ) on my auto loan account. After discussing the situation with Wells Fargo Dealer Services, {$200.00} in late fees were waived from my account, bring my remaining balance to {$200.00}. A payment in the amount of {$200.00} was then authorized to settle the account. 

Due to an error in judgment ( wrong checking account ) the funds were initially deducted from my checking account, but were returned due to insufficient funds. Once I was made aware of this error, I realized the payment was setup to be withdrawn from the wrong checking account, this was then immediately rectified and on XXXX XXXX, 2016 another payment of {$200.00} was authorized and approved. 

Unbeknownst to me, an unknown charge of {$38.00} was then applied to my loan account. Which left a remaining balance on my account and prevented its closure. 

On XXXX XXXX, 2016, Wells Fargo then debited my checking account for an additional {$200.00} without my authorization. 

After speaking with Wells Fargo they advised that they will be unable to provide me with any additional information. After speaking with my parent bank ( XXXX ), who 's checking account is linked to my Wells Fargo Dealer Services auto loan account, advised that Wells Fargo Dealer Services debited my checking avvount twice in the amount of {$200.00}. 

Due to Wells Fargo Dealer Services unfair and indiscriminate practice of overdrawing from my account, I am left with being responsible for overdraft fees due to their incompetence.
Consumer complaint received 2017-08-15
Product: Credit card or prepaid 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 (NY)

XXXX charged my credit card twice in one month. I submitted proof of this to Capital One. On or around XX/XX/2017 acceptance now charged my card twice for a monthly payment on a credit account. I contacted Capital One and told them of the issue. Today, Captial one informed me that they were allowing the transaction to be rebilled to my account. The payment amount is {$150.00}
Consumer complaint received 2020-10-08
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capio Partners, LLC (OH)

I called to reach a negotiation from ASSETCARE Debt Collector and asked for a confirmation. The agent was very rude over the phone and asked me to be quiet while she talked. And while I tried to explain myself, she hung up on me.
Consumer complaint received 2016-11-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: ACS Education Services (MN)

I am a XXXX working in a XXXX for eight consecutive years. I have applied for XXXX loan forgiveness meeting all the requirements. My application was excepted last XXXX and I was told I would have an answer with in 90 days. I still have no answer going on 11 months. I have talked to ACS the loan service multiple times and they give me a response of " it is still being reviewed '' each time. I ask by who and they can not give me a answer. I am told I will be given a expedited application status and call back and for 11 months now I hear nothing and have to keep calling them back.
Consumer complaint received 2021-11-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC (IL)

Atlantic Recovery Agency has been harassing my family.They call different people I know and is extremely rude and aggressive. They also call from a regular phone ( XXXX ) or a ( XXXX ) number but when they leave a voicemail they have us call back a ( XXXX ) number. I was supposed to be receiving a email or a letter with the XXXX collection information, and have yet to receive it. But Theyre constantly calling me I get at least 15-20 calls a day from these people
Consumer complaint received 2017-03-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (FL)

I am in receipt of my credit report dated XX/XX/2017 attempting to collect a debt from me. I am for certain that I do not owe your company any money. I have never done business with you. In fact, i had never heard of your company until having received my credit report. What I find strange is your attempt to collect the debt with me when I do n't owe you any money in the first place! Please see this notice as me disputing this alleged debt with your company as well as requesting debt validation. Send me legal supporting documents bearing that I 've done some type of business with you, hence owing you money. Also the State of Florida requires any collection agency to be licensed and bonded to collect in the state of Florida and your company is in violation.
Consumer complaint received 2015-08-24
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Central Portfolio Control Inc. (IA)

I was called back in XXXX about a debt that I supposedly own by central portfolio control. The caller left a message but did n't state what the debt was, who I owed the debt too, and then failed to send a letter of verification of said debt after 5 days of first initial contact. Central portfolio control then called Monday XXXX XXXX and still did not tell me they were a debt collector or the debt they were trying to collect.
Consumer complaint received 2016-05-20
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PHH Mortgage Services Corporation (CA)

We contacted PHH Mortgage, our loan company ( and several others ) to request a refinance of our loan on our primary residence. Our current loan is {$550000.00}, 30 year ARM at 3.5 %. We intend to pay down the loan with cash from a house we sold in XX/XX/XXXX. 
The new loan would be {$190000.00} for 15 years, and after completion of loan application we were informed that we were locked in at a rate of 2.875 % After several days we did not hear back from PHH, I called to inquire when we would need to provide various documents to complete the loan process. At that time I was informed that due an error on PHHs part the rate did not get locked in and now it would be 3 %. 
I thought this type of " bait and switch '' practice was illegal, but apparently the practice has not discontinued. 
Here is the contact info. 
PHH Mortgage XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Loan ID XXXX
Consumer complaint received 2016-07-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Sherloq Group, Inc (NC)

I sent XXXX XXXX at XXXX XXXX Hospital in XXXX, NC copies of my daughter 's Medicaid card for her XXXX XX/XX/XXXX. All the other providers ( aka, the surgeon 's bill ) was covered by Medicaid. Why XXXX XXXX purposely keeps losing my daughter 's Medicaid information is beyond me.
Consumer complaint received 2016-09-20
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MO)

Ditech Financial LLC is servicing my mortgage. since XX/XX/2016, my monthly mortgage payment has not been properly issued by Ditech. due to this abnormal action by Ditech, my mortage was past due XXXX times already. I had to call their customer service to ask for correction. despite their promise, the issue has not been resolved. XXXX today ( XXXX/XXXX/2016 ), I just have received a call from a Collection agency, accusing me my mortgage is past due! It 's impossible since I paid full amount ( see the attached payment record from XXXX XXXX XXXX ). I asked the person from the collection agency to transfer the call to Ditech customer service. Ditech customer service person first accused me my mortgage is past due, then, I educated the person to see my payment history. It was totally messed up. please see the below my recent payment history ( also attached ). note that this is not the true payment history of mine and that the Ditech has already modified it. Although the Ditech customer service person said they will be going to review/correct this and update me about it, I am not convinced of it since they already failed the same issue three times in the past three month of billing cycles! 

Date Description Amount Current Principal Balance XX/XX/2016 Reallocation {$810.00} {$100000.00} XX/XX/2016 Payments {$1700.00} {$100000.00} XX/XX/2016 Payments {$0.00} {$100000.00} XX/XX/2016 Payments {$83.00} {$100000.00} XX/XX/2016 Payments {$1600.00} {$100000.00} XX/XX/2016 Payments {$780.00} {$100000.00}
Consumer complaint received 2021-03-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent my 609 letters requesting verification and validation of information on my credit reports. By law, 100 % of the items on my credit report are to be validated and accurate. They are not currently.
Consumer complaint received 2016-01-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION (FL)

BBVA Compass froze my account without notice after cashing a fraudulent check because they did n't do their due diligence and verify funds availability of the check ( POLICE REPORT FILED ON WEDNESDAY, XXXX XXXX, 2015 WITH THE XXXX SHERIFFS OFFICE IN XXXX, FLORIDA ). Further I was not notified in any way about my account being frozen or the fact that they are going to hold my employer based direct deposit and all other accessible funds on my account, which has placed my family in dire financial constraints even for basic necessities. All of this was without knowledge to me of what the bank was doing with my account/ my funds. All of which violations of Regulation E, Graham Leach Bliley Act, Dodd-Frank Act and financial acts relative to full disclosure given on actions taken by financial accounts to consumers.
Consumer complaint received 2016-10-03
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Paypal Holdings, Inc (CA)

PayPal Debit card denies transactions on a regular basis in spite of there being a large balance in the account. These issues may only be resolved via telephone service where it is impossible to to reach a representative without a wait of 1 hour or more ( most mondays NOT AT ALL ). This substandard business practice is a disservice to Patrons and PayPal Debit Card employees alike.
Consumer complaint received 2016-03-17
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I did a zero percent promotional balance transfer in XXXX 2015. I always refer to my monthly statements to keep aware of the XXXX percent expiration date, my goal is always to pay off the balance before I accrue and pay any interest. My on-line credit card statement does not show the zero expiration date.
Consumer complaint received 2015-07-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Delta Outsource Group, Inc. (MN)

I keep receiving continued calls ( many times per week ) from the following number ( XXXX ) for a debt owed by my adult son who does not live with us. I have told at least XXXX different people to stop calling and they promise that they have put our number on a do not call list, but they continue to call.
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BlockFi Inc (FL)

Dear Sirs, We are all well aware of the ramifications of the suspension of accounts at Block Fi both investing and credit accounts. As a result, I find that Block Fi and its partners are in violation of the agreement between parties and as such all contracts or obligations are null and void. Block-Fi is in XXXX XXXX Bankruptcy as such I am a creditor looking for the recovery of assets same as all other creditors. 

No access to money in Block-Fi account No access to the use of Block-Fi Credit card No payments of XXXX credits or Interest due from Block-fi card transactions. 
No way to trade buy or sell on my accounts Are all failures of Block-Fi and its partners to keep up their end of the agreements My money is in Block-Fi accounts and when I have access to that money I will pay the Block-Fi card. However, I offer these options in a fast and reasonable solution to the situation. 

1.You can recover the balance from my Block-Fi account in house XXXX XXXX XXXX XXXX on the dollar for the balance owed in full.

I have filed a copy of this e-mail plus a full complaint with the Federal Trade commission, The Federal consumer protection agency, the three credit Agencies and other state and Federal agencies. 

I am also informing you in writing that XXXX XXXX and Federal regulations Myself, my family are not to be contacted, harassed, or solicited in any way other than communication by E-mail in reference to a settlement of the account by either of the above solutions. 

XXXX XXXX
Consumer complaint received 2016-07-26
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Paypal Holdings, Inc (CA)

This involves PayPal Credit ( aka " bill me later '' ). A refund of {$120.00} was never credited to my account properly ( ebay refunded on XXXX/XXXX/16 to paypal credit account ), and an additional {$54.00} has been improperly credited to the {$120.00}, it needs to be refunded back into the PayPal credit account. Several emails and phone calls have gone unanswered.
Consumer complaint received 2020-10-08
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: EQUIFAX, INC. (MD)

I am a victim of identity theft, I never authorized these accounts. These acounts hurting my credit score and I being victimized by the bureaus. I have included my change of address card along with my md state ID .This is the 3rd time I have had to identify mysef and your system eoscar continues to give me a generalized response stating it can not identify me.
Consumer complaint received 2016-12-09
Product: Credit card — 
Issue: Delinquent account — 
Company: Army and Air Force Exchange Service (MA)

My commander was contacted on several occasions due to payments I made late on my exchange credit program ( ECP ) card. As your site says below, this is illegal, yet it is right on the ECP 's page of frequently asked questions payment questions. I understand that this matter is right in their terms and conditions, however, if this matter is truly illegal, there should n't be any " wiggle room '' in the matter.