davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (NC)

My name is XXXX XXXX and on XXXX XXXX, XXXX I was injured on the job. Since XXXX XXXX, XXXX I have not been working and only receive workers compensation checks of {$330.00}. My workers compensation lawyer, XXXX XXXX XXXX has sent XXXX XXXX a letter explaining my financial situation and my income. I have lost my vehicle, home furnishings and anything I had of value to try to pay my mortgage. 
On XXXX XXXX, XXXX I made a payment of {$810.00} to a Representative named XXXX my confirmation number was XXXX. I have been watching my checking account daily for this to come out of my account as I live day to day and keep a very close eye on every penny. Today I called and spoke with XXXX and asked about the payment I made on XXXX/XXXX/XXXX, she said that it had been deleted. Much to my surprise I asked why and she could not give me an answer. I asked if I could please make that payment again and to please note my account that I had made the payment on XXXX/XXXX/XXXX. 
I suspect that the payment was deleted because when I first tried to make the payment on XXXX, I spoke with XXXX and he would not accept my payment because it was only a XXXX month payment and he said that per their policy he needed me to pay two months. I told him that I couldnt pay two months as I cant forsee if I will have {$810.00} by the end of the month. I tried explaining to him numerous times that I am due a settlement here very soon and plan on bringing the account up to date. I asked to speak with a supervisor and while on hold I hung up and decided to call back and speak with someone else. When I called back and spoke with XXXX she immediately took my payment without a problem. 

This company calls me at least XXXX times a day. I block the number and they call from a different number. They send people to my house taking pictures and leave notices on my door. I have confirmed that I still live in this house and to not come back on the property and not to be taking pictures, however, they still do it on a monthly basis. Just a few days ago the man who came out here was armed with a weapon on his hip. I told him not to come back on my property. We have received up to XXXX letters a day from them. It 's ridiculous. 
I am paying Selene a payment every month, they will not take partial payments, or anything. I have explained over and over my situation. I dont like being behind on payments, and I have only 2-3 more weeks to go and everything will be fine again. I just want them to take my payments and stop harassing me. Besides a letter from my lawyer and me telling them what has happen to me I dont know what else to do. 

Thank you for taking the time to read my problemXXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2015-07-30
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: LYON SERVICES CORPORATION (AZ)

Lyon Financial has approved me for a pool loan. However they refuse to follow AZ statute : AZ Rev Stat XXXX. The statute states that the pool contract must have payment provisions outlined in the pool that follow a specific payment schedule. Lyon Financial refuses to follow the payment schedule as required by AZ statute. Lyon Financial states that they do not have to follow the statute because the do no " specialize '' in pool loans. They also state that because the loan is a Unsecured Loan that the state of AZ does not regulate the loan. Lyon Financial is stating that they will not release funds to the pool contractor until pool build is complete. 


XXXX. Swimming pool ; spa ; construction contractsA. In addition to the requirements of section XXXX, a licensed contractor who enters into a contract for the construction or installation of a residential in-ground swimming pool or spa with a purchaser who resides in the residence or who intends to reside in the residence after the completion of the contract shall include at least the following provisions:1. A provision providing the purchaser the opportunity to request standard contractor 's payment and performance bonds in a form approved by the registrar, securing the completion of the work and payment for services and materials. The cost of the payment and performance bond shall be paid by the purchaser of the swimming pool or spa and the contractor shall not charge a surcharge or a service charge. 

2. The following payment provisions : XXXX a ) A down payment payable on the execution of the contract of not more than XXXX XXXX dollars. 

XXXX b ) After the completion of the excavation work on the swimming pool or spa, a payment of not more than thirty per cent of the amount of the original contract price plus any written change orders approved by the purchaser. 

XXXX c ) After the installation of steel, plumbing and pneumatically applied concrete materials or the installation of a prefabricated swimming pool or spa, a payment of not more than thirty per cent of the amount of the original contract price plus any written change orders approved by the purchaser. 

( d ) After the installation of decking materials, a payment of not more than thirty per cent of the amount of the original contract price plus any written change orders approved by the purchaser. 

XXXX e XXXX Before the application of the finishing interior materials or completion of all work on a prefabricated pool or spa, payment of all remaining sums due on the original contract plus any written change orders approved by the purchaser.
Consumer complaint received 2015-10-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

My complaint is against Green Tree Servicing. While they were the holders of our mortgage note we were having financial difficulties. I tried explaining this issue to them and they would n't hear any of it. They contacted me multiple times daily when I was late with very bad attitudes and abusive language they even contacted my neighbor when I was late and told her that I was late making my payments and left a message with her to call them. My husband and I were mortified, this was truly one of the most embrassing things that has ever happened to us. Not only were we struggling to pay bills, but trying to find a decent paying job in our community which paid a living wage. We felt defeated! We had no choice but to stay with this company since our credit had taken a beating. We are still suffering from the repercussions of the economy, our credit took a beating. We did manage to save our home as well as our vehicles. I have also asked about items that our on the monthly bill and never received an answer.
Consumer complaint received 2015-08-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NC)

Upon trying to setup my account information after my loan was sold to Chase, I was informed that my external account was in use by Chase, however I nor any family member have a Chase account. After calling I was informed that I simply need to add XXXX to the account number. Upon trying to deduce exactly why my external account information was being used the senior online associate continued to avoid the question and upon further requesting information the senior associate disconnected the line. After calling back and being routed and rerouted I was told to send an email. Im astounded by the lack of concern with system noted fraud and identity theft
Consumer complaint received 2015-05-02
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (IN)

Synchrony Bank has once again lowered my credit limit on XXXX of my accounts that I have with them. This time it was my American Eagle credit card. The original limit was {$1500.00} and now it is {$100.00}. Again, I have been discriminated against by this company. I will continue to submit complaints against this company and dispute their response. Again, I have never been late nor have I ever missed a payment on this account. If I have to, I will continue to take further action if necessary until I get these issues resolved.
Consumer complaint received 2015-10-09
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX I applied for credit at XXXX through Bank of America and was denied credit. The reason for the credit denial was I have current or past delinquency with XXXX or more of my creditors. I requested a credit report through XXXX, the same agency they used to deny me credit and there was NO negative info. I filed a chapter XXXX in XX/XX/XXXX, but its been XXXX years and I do n't see the negative info in my report.
Consumer complaint received 2015-07-29
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Optimum Outcomes, Inc. (FL)

Optimum Outcome, Inc. a debt collector keeps harassing me and calling. I 've told them prior to XXXX 2015 that I could not pay the debt and I am currently on XXXX. They have continued to call even though I blocked them on my cell phone, they are still able to leave a message on my voicemail. The calls that I still have logged are from XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, and today, XXXX/XXXX/15 at XXXX p.m. I do not need this stress while on XXXX and XXXX.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (GA)

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I am requesting a XXXX ( cancellation of debt ) from the followed charges off accounts listed below : Comenity Capital Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX After checking my most current report the updated info states the accounts were purchased by a lender XXXX XXXX XXXX XXXX, this account be reported as a charge off on my credit report if the account was sold to another lender, Please send the XXXX form. 
Thank you in advance for your assistance in this matter.
Consumer complaint received 2015-06-07
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have had a XXXX branded XXXX XXXX credit card from FIA Card Services for a couple of years. I have always paid the bill on time and in-full. In XXXX of 2015, after a string of occasions where the credit card became " locked '' due to suspected fraudulent activity, I elected to cancel the card. I phoned in on XXXX and asked for my account to be closed. Rather than closing my account, they reissued a new credit card. To my horror, I learned in XXXX that the account was actually still open and that they were posting charges to it XXXX including some, it seemed, that were back-dated to XXXX and XXXX but had never appeared before ). I XXXX again asked for the account to be completely cancelled. They assured me it would be. It was not. I then called again, on XXXX XXXX and spoke to XXXX people XXXX XXXX and XXXX in 'Credit ' ). They said " not to worry, the account was fully cancelled '' but that certain recurring charges might still post. I asked them to fully cancel and deny any recurring charges. They said they would see what they could do and would call me back. Which they never have. Now, in XXXX, the account still appears to be open with charges recurring. I feel trapped by this company ; they are clearly keeping my account open for credit purposes. And while I have been paying the bills in full, I simply want the account cancelled. I have never had this experience with a credit card company -- where they promise to take a specific action and never do.
Consumer complaint received 2015-08-30
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo never sent a bill for my {$31.00} payment for XXXX 2015. I looked for it. It never came. I moved and sent my new address to them on the other wells fargo bill that i had. They sent me a bill for the {$31.00} and XXXX charge and a {$25.00} late fee. It was due XXXX XXXX. I called XXXX XXXX, spoke to a lady named XXXX and told her how they never sent a bill then XXXX billed and gave a late fee. She said just send {$63.00} today and i will remove late fee. I gave my bank card numbers. It was paid. In XXXX Wells Fargo sent me a new bill for {$92.00} with a {$35.00} late fee and past due amount of {$21.00}. I called and a man from Wells Fargo told me that she made a mistake, the late fee gets deducted from the total amount and that i owe {$92.00}. I told him thats not fair, they never sent me a bill and almost {$100.00} for the month is a lot to pay for a bill thats only {$900.00} .He says well you can send XXXX now and the other before the XXXX. I sent {$40.00} at that time. They sent me a note asking for {$25.00} more. I sent a check for {$25.00}. They sent a new bill for {$100.00} charging a past due amount of {$52.00} and a {$35.00} late fee. I called the service says i owe {$83.00} by XXXX XXXX. I feel the late fees are unfair. why didnt they say the right amount in the last letter? What happened to XXXX bill? I should not have been charged late fees. All of this is on my credit report also. These increases and late fees are unfair. Can you help? Thank You XXXX
Consumer complaint received 2015-06-07
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: TRANSWORLD SYSTEMS INC (IL)

My student loan was sent to a collection agency in XX/XX/XXXX. 
I have been making $ XXXX monthly payments on my loan, and have never missed a payment. Last month on XXXX XXXX, I was let go from my employer and had no savings to cover expenses. I called Transworld Systems , Inc., the collection agency handling my loan to let them know I would be unable to pay my loan until I found employment. I told them I was renting and had no assets and since I was unsure how long I was going to be unemployed and what my unemployment would entail, I needed to make sure that I have enough funds to cover the essentials, rent, food, health insurance, etc. I told them as soon as I was in the position to make payments I would reach out to them. I anticipated it would take a couple of months at most. At the time of the call, they suggested that I take out a loan against my XXXX, but I told them that it did n't make sense for me to go further in to debt since such a loan would be interest bearing and I would end up owing more then I do now. 


On XX/XX/XXXX, I received a letter from Transworld Systems , Inc, that stated the following, " We are in the process of requesting suit authorization from our client. It has been determined that you have assets. This account is being scheduled to be forwarded to an attorney. Our client requires that we take this action when normal collection efforts do not resolve the outstanding debt. We will not make an exception to this requirement. Unless payment in full is made to our office in fourteen days, or you contact our office to discuss a reasonable repayment arrangement, your account may be referred to an attorney to determine appropriate action. " The letter is harassment and is misrepresentation. I have no assets, I do n't own a car. I rent and as I have told Transworld, I am currently not working. Further, I had just contacted them to let them know all of this as well. The tone of the letter threatens lawsuit, and after just XXXX month of no payment since outrageous. Further, it is unclear if XXXX XXXX, the underlying creditor will even take such action, but the tone of the letter leads once to believe that it is the case.
Consumer complaint received 2015-07-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

a few weeks ago, I submitted the same complaint about Chase Banks delay tactics of deducting from out account the next day ( in the morning ), when, in fact, they place the deduction the day before so that they can collect XXXX of dollars a day for the NSF. They told CFPB and wrote me a letter, saying that they have changed their tactics on this NSF situation. However, they did the same thing again to me on XXXX/XXXX/15 ( or XXXX/XXXX/15 )! I always check my account around XXXX every night before I go to sleep and when I went to sleep on XXXX/XXXX/15 ( XXXX XXXX I had a positive balance! I felt that they had " fixed '' their collection method, so I felt that I would run down to Chase the next morning and deposit enough monies to cover my checks. However, when I check before the bank opened ( at about XXXX XXXX ) I found that they had delayed the deduction of my checks from my account until the morning of XXXX/XXXX/15 and deducted XXXX NSF fees. I ran down to my Chase ATM machine at XXXX and deposited the monies to cover the insufficient funds, but to no avail. 
This is a rip off from customers of over millions of dollars a day using this tactic. There probably should be a class action suit by customers of Chase who have unfairly been " ripped off '' by being charged NSF fees by Chase using this tactic.. They either had n't changed their method of collection OR they stalling to change, while they continue to collect the XXXX of dollars per day. 
They had written to me and CFPB saying that they had changed this tactic, but it looks as if they just lied, or they delayed the change until they continue to receive XXXX of dollars. 
My previous submission number : XXXX
Consumer complaint received 2015-10-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PRESTIGE FINANCIAL SERVICES INC (MD)

I made arrangements for my vehicle payment to be deducted from my bank account XX/XX/XXXX. I noticed when I checked my bank account that the item was returned. I then went online and made the payment XX/XX/XXXX using my bank card. The message I received online from Prestige Financial advised that the payment would post to my account XX/XX/XXXX. I received a text message XX/XX/XXXX from Prestige advising that my account was 31 days late and that I needed to make a payment. I contacted Prestige and advised that I had already made the payment. They advised that it was not posted until today XX/XX/XXXX so I was being reported for being 31 days late to the credit bureaus. I advised that this was not fair as the message I received when I made the online payment advised that it would be posted XX/XX/XXXX at which time I was only 28 days late. The person also advised that I made the payment on Saturday and that there was no one there to post the payment. I advised that this was not my problem, but now thinking back the payment was made on Friday XXXX and my receipt advises that the payment will be posted XX/XX/XXXX. I should not have to dispute something with the credit bureaus and is incorrectly reported to start with. I have had a problem with this prior as I have been reported 30 days late two times XX/XX/XXXX. I 've requested to have this information in writing on several occasions but have been advised that this could not be done. I finally did get an email advising of two months that had been reported. After reviewing my credit report they are not reporting the same months consistently with the bureaus. I feel that those months should not be reported as well as those payments were made but was posted to their account a day or two afterwards. I have disputed this information with the bureaus and have not successfully got this resolved. I feel that the two late XX/XX/XXXX needs to be removed from the credit bureaus as well. The FCRA requires that information is reported and reported accurately and must be resolved in a timely manner. I have been disputing those for over 8 months.
Consumer complaint received 2015-05-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CAVALRY INVESTMENTS, LLC (NJ)

Hello, I have an account in collections with Calvary Portfolio in NY for a previous account I had with XXXX Bank which was a credit card used for XXXX bills. We had a balance of {$460.00} as of XXXX 2014 with XXXX Bank which was charged off to Calvary and they are now charging us {$1000.00} and will not settle for less than that amount. I have contacted both XXXX and Calvary attempting to settle for at least {$500.00} or {$600.00} but they will not work with me. This is the only collection agency that has not been willing to work with us. I do not think it is fair that the charge off was more than the owed amount. This is highway robbery, specially when this is for XXXX bills and when we are looking to pay it off. Please help us as we have been dealing with this for over XXXX months now. Thank You.
Consumer complaint received 2015-05-01
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

The loan was assigned originally by XXXX as nominee for XXXX XXXX in XX/XX/XXXX - and by a known robo signer with title of assistant secretary of assignments for XXXX. Then robo signed again in XX/XX/XXXX by XXXX XXXX and notarized by XXXX XXXX - XXXX robo signers. False representation by SPS that they offer me application under the DOJ National Mortgage Settlment Act - THEY DID NOT DO THAT! In fact they refused to allow application saying that they did not work those. However, XXXX XXXX who was originally assigned my loan at the beginning of receipt of it disclosed that the file was sent to her specifically because it was tagged as a DOJ benefits and application loan. She said that they failed to offer me the application and did not follow the process to inform me of the availability of the program for me because of the illegal foreclosure actions that had taken place against me and had been included in the foreclosure fraud program and award. There are so many problems that it is impossible to address them all in this space. I am attaching a letter and some documents for review. I should note that this is just the tip of the iceberg. Accounting has not been provided to me as requested all the way back to the beginning of this loan so that I can assess all charges.
Consumer complaint received 2015-10-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (DC)

In XXXX, we sold our home and closed our mortgage, which had been serviced by BB & T. BB & T was supposed to send us our remaining funds held in escrow. BB & T claims that they did so on or about XXXX XXXX. However, we never received the funds. After XXXX calls to the company in the late-XXXX time-frame, we were advised that we could call on or after XXXX XXXX in order to have the check re-issued without penalty. We did so. A replacement was allegedly sent to our new home address on XXXX XXXX. As of XXXX XXXX, we have still not received the escrow funds amounting to over {$4900.00}. After another call to the company, BB & T claims that we can wait again until XXXX XXXX to have a replacement check cut again without penalty. However, the company has offered no proof that the checks were ever transmitted before, no willingness to waive its " penalties '' ( which are likely booked as profit ) to re-cut the check and no interest in providing us with tracking information to confirm that the check is mailed or received.