davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-10
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was approved on XXXX/XXXX/15 for a permanent modification home loan, when calling Bank of America talking to service manager XXXX on XXXX/XXXX/15 I was told it would take about 30 days to be approved. I went online a couple of days later to check my status and I seen my approval papers that posted on XXXX/XXXX/15 giving me until XXXX/XXXX/15 to sign and return. On XXXX/XXXX/15 I spoke with my service manager XXXX and I told about permanent modification papers she said the papers were sent out to me, I ask for the tracking number because I never received them XXXX she said she could n't see XXXX. I told her I made a copy of the papers I need to have them back by XXXX/XXXX/15 plus a permanent payment is due XXXX/XXXX/15, she said maybe I should wait to make that payment until I actually get my permanent papers. I told her no I was told not to miss a payment then XXXX ( my service manager ) said make the payment I was making doing the trial XXXX, and she will refer my papers to the help desk to see why they did n't mail them and to mail me out a new permanent modification paper with a new return date. I ask how long will that take she could n't tell me and she will do a follow call back on XXXX/XXXX/15. I did receive that call from service manager XXXX still no info on my permanent papers she place me on hold for 5 minutes and came back saying she will refer it to her supervisor. When I went to check my status on XXXX/XXXX/15 I notice they had given me a different service manager XXXX. I called XXXX/XXXX/15 and spoke XXXX to set up a payment for XXXX/XXXX/15 he could n't for that date because it was XXXX and made it for XXXX/XXXX/15. As he was taking information for payment he ask for a check # I told him I will get him one he said oh just give me a random #, I said know the my bank wo n't process any check #. XXXX gave me a confirmation # XXXX, I told him this confirmation number did n't have a day just the year and month which is not like previous confirmation I have he said they are all different. I told him I know but they all have the complete you 're paying your bill, he said it will be alright. About a hour later I tried to check my status and was blocked from that site, I called and spoke to XXXX different service telling them I blocked and the last XXXX transfer me to the support group that only handles home equity system only to transfer me back to the home modification department because they handle their on system. I got representative who place me on hold and cleared the trouble. I did tell them I feel as though something is n't right, the representative everything going fine but I feel as though I getting the run around
Consumer complaint received 2016-01-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLATINUM HOME MORTGAGE CORPORATION (CA)

I have been requesting Platinum Home Mortgage remove the PMI from my account since XX/XX/XXXX and I am always sent to a loan person to refi. According to everything I have read the PMI is only required to the loan to value has met XXXX %. I have been under that threshold since XX/XX/XXXX. However Platinum Home Mortgage continues to charge me PMI and when I request it be removed they claim I have not met the requirements. The facts are I purchased the home in XX/XX/XXXX at a value of XXXX ( loan amount of XXXX ) making the XXXX % value XXXX ( or XXXX if based off the loan ). I have been well under that mark since XX/XX/XXXX however the Platinum Home Mortgage continues to charge PMI even after I request it be removed. The appraised value is currently over XXXX and has been over XXXX since XX/XX/XXXX when I have began requesting the removal of the PMI. Please help me in having this corrected.
Consumer complaint received 2015-12-24
Product: Credit card — 
Issue: Billing disputes — 
Company: BMO Bank, N.A. (FL)

I have contacted BMO Harris in regards to XXXX credit cards that I did not receive and was instructed to file a police report for fraudulent charges made on the XXXX credit cards. On XXXX XXXX, 2015 I was told to file a police report and that once the police report was received a resolution would take 7-10 business days and replacement cards would be mailed. On XXXX XXXX, 2015 I submitted the requested documentation and have contacted BMO Harris several times to follow up on the situation but when I call I receive different information as to what is going on. The very long hold times and lack of current updates have become very frustrating. I just want this issue resolved.
Consumer complaint received 2016-02-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (PA)

Trying to process a short sale. For over 2 months, since XXXX 2015, we have received NO status except " the file is in review ''. Now after 2 months, no response except, " Updated financials are needed ''. NOT ONCE in the last 2 months, when I have called at least every week, they need updated information. Every time I call, I can not speak with anyone who actually can make a decision since it is " in review ''. We have an offer, submitted MONTHS AGO, several Valuations done by the lender, once recently 2 weeks ago, but no response on the short sale. Help
Consumer complaint received 2015-06-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (CA)

I have been trying since XXXX of 2014 to remove PMI from my mortgage loan. Despite XXXX written letters and numerous calls, there has been no response from my lender. This is costing me {$150.00} per month for unnecessary PMI.
Consumer complaint received 2015-09-15
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc. (AZ)

IVE PAID ON TIME EVERY MONTH - THE FIRST 3 MONTHS I HAD THE LOAN I WAS TOLD XXXX TIMES THAT MY PAYMENT DUE DATE HAD BEEN MOVED- AND XXXX TIMES I RECEIVED A CALL STATING MY PAYMENT WAS DUE THE DAY FOLLOWING THE ORIGINAL PAYMENT DUE DATE. IT WAS FINALLY CORRECTED AND EVERY PAYMENT HAS BEEN MADE ON TIME. MY SIGNIFICANT OTHER LOST HIS JOB - SO I WAS UNABLE TO MAKE THE PAYMENT FOR XXXX. I TRIED EVERYTHING I COULD TO PULL THE MONEY TOGETHER, BUT CALLED THEM WHEN I COULD NOT TO ASK FOR AN EXTENSION. I WAS LITERALLY TOLD THAT BECAUSE I MAKE MY PAYMENTS ON TIME THEY COULD NOT DO ANYTHING TO HELP ME. I HAD TO BE 2-3 MONTHS BEHIND ON PAYMENTS FOR ANY ASSISTANCE. TOLD THEM MULTIPLE TIMES I COULD NOT MAKE THE PAYMENT TIL THE FOLLOWING MONTH AND I COULD ONLY PAY THE REGULAR AMOUNT I COULD NOT DOUBLE UP. SINCE THE PAYMENT DATE THEY HAVE BEEN CALLING MY PHONE IN AN EXCESSIVE AND HARASSING MANNER, EVERY SINGLE DAY - CALLING BETWEEN XXXX TIMES A DAY IF NOT MORE. THEY ARE CALLING MY CELLULAR PHONE WITH AN AUTOMATED DIALER. THEY ARE CALLING MULTIPLE TIMES AFTER LEAVING MESSAGES WITH AUTO/ROBO DIALER - I HAVE NO GIVEN THEM PERMISSION TO DO SO - THEY CALLED MY PLACE OF EMPLOYMENT. MY SUPERVISOR TOLD THEM I CAN NOT RECEIVE PERSONAL CALLS AT WORK. THEY CALLED BACK THE FOLLOWING MORNING - ALL OF THESE ARE PRETTY CLEAR TCPA VIOLATIONS AND WITH ALL THE OTHER ISSUES BESIDES THESE THAT I HAVE HAD WITH THIS COMPANY IT REALLY IS OVERWHELMING AND UPSETTING.
Consumer complaint received 2015-12-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (WA)

not applying payments and confiscating allegedly the cash and then demanding o f me to pay the payments in again in violation of uscfpb consumer regulations. and I am a XXXX veteran and these monies come from my VA us treasury XXXX pension. I am being defrauded by chase allegedly town my home. they denied me twice loan hamp modifications and the current loan is a loan modification I never applied for and has never been settled and I have no loan documents for.
Consumer complaint received 2015-07-15
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company (CT)

We refinanced our mortgage with our lender, Freedom Mortgage, on XXXX/XXXX/15. For the convenience of the settlement agent, the closing was held at the XXXX in XXXX, CT. We were given only a copy of the HUD-1 ; we have no other documents, including the mortgage or note. XX/XX/XXXX, I contacted VP XXXX XXXX, who expressed surprise that copies of all documents were not given to us at closing ; he promised that we would receive the documents. To date, we have not received any documents.
Consumer complaint received 2015-12-25
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: GMA Investments, LLC (WA)

My sister started receiving calls from a placed called Summit Receivables ( XXXX ) regarding a undisclosed debt on XX/XX/XXXX. After receiving a message from my sister I contacted the number above. When I called they would not identify the debt in question. They tried to ask for my ssn to look up the supposed account. I did n't give it to them. I had to call back a few times because the people would yell at me and hang up the phone.. Whenever I would request some sort of debt validation. They never identified the debt over the phone nor did they send any letter of validation after I contacted them. I also reviewed my credit and I do n't see any collection activity from Summit Receivables. My sister contacted me again the other day stating that she is still receiving call from them even though I called them from my number. She said that now they are claiming it 's in regards to " her debt. '' they might be contacting my dad as well, as he told me yesterday a collector called him weeks back asking for me. I have n't put any of these family members on any credit related items. I think this is a scam.. I have researched online and found many other people complaining about the same place.
Consumer complaint received 2015-11-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (WA)

My mortgage was sold from first mortgage to freedom mortgage without my knowledge. I was finally made aware of the change after trying to access my online account with first mortage to make a payment with no avail. I spoke to a representative whom informed me of the changes, and I promptly contacted freedom mortgage. They said they had sent me information, however it was never received because the info was sent to the wrong address. The representative took my new mailng information down, and informed me that I had a 60 day grace period to pay my mortgage. Today less than 30 days later I received a letter from first mortage stating that I was 30 days late on my mortgage, and the information had been sent to the credit agencies. I am trying to avoid a ding to my ( and my co-signers ) credit, due to misinformation provided by my new mortgage company. As well my home is for sale, and will be closing by XXXX XXXX. After speaking with a representative last week, he was made aware of the circumstance, and never made mention of the negative effects that could occurs if I did n't pay. After that conversation I was still under the impression that the 60 day grace period was still in effect and that my credit was still to remain in good standings.
Consumer complaint received 2016-02-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Global Payments Check Services, Inc. (MN)

I am a victim of identity theft has never wrote a check anywhere in Illinois, but I have representatives from Global Payments Check Recovery Services , Inc., calling and harassing me about a debt, I do not owe. Someone has stole my identity.
Consumer complaint received 2015-09-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (OH)

I 've tried to get my annual credit report from Experian. They say the answers I gave to their security questions are wrong ... ..MY ANSWERS ARE CORRECT!!!!! Their information is incorrect!!! I 've tried to reach them by phone which just redirects me to their website ... ..worthless!!! I tried to write them a message via their website to let them know what was going on and I got an error message there too!!! I want someone to straighten this mess out so that I can have the annual credit report I 'm entitled to by law!
Consumer complaint received 2016-01-07
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CA)

I had a previous submission and the case number is XXXX. 
I got a Company response from CHASE but was not satisfied with the result. 
Chase didn not find out the transaction i disputed was sacm/fraud. 
They told me my claim is expedited to resolve but still under investigation, and they have timeframe to resolve the claim and they issued me a provisonal credit for temporary. 
I expected them to resolve the claim and find out it was unauthorized transaction which was scam/fraud by unknown person. 

I copied and pasted the previous submission below. 
On XXXX XXXX, 2016, while I was checking my CHASE bank account, I noticed that unknown transaction {$200.00} was on pending from my checking account. It showed XXXX XXXX XXXX XXXX which I never used or authorized. I never heard of the name XXXX XXXX. I never lost my debit card and never shared with others. 
I called Chase Customer center and was transferred to CHASE Claim Department. 
I explained the unknown transaction is on pending which is fraud/scam, and I submitted a claim. 
Chase put {$200.00} in my account as a temporary credit for claim # XXXX, and they say they may remove the temporary credit if it 's determined that the transaction was correct or authorized. 
Next day, the status of the unknown transaction has been charged from pending status, and it showed XXXX XXXX XXXX XXXX. 
I was working XXXX 
I never visited or talked to someone who live in XXXX 
I researched the phone number XXXX, and i noticed that there are lots of victims. 
XXXX Chase told me customers can resolve disputed transactions by notifying the business, so they asked me to call the business to resolve this issue. 
But the number XXXX is not working number. 
I also contacted XXXX because the letters XXXX from the description stand for XXXX. 
I gave my debit card number to the XXXX customer center and they were able to find the transaction. 
I have a XXXX account but NEVER linked to any of my chase accounts. 
I only linked to my XXXX XXXX bank account. 
They told me they can not give more information about this transaction although the card holder 's name is my name, because the transaction was not linked to my XXXX account. 
XXXX recommended me to ask Chase to contact XXXX so they can give money back. 
I called Chase again and told everything i was told by XXXX, but they always gave me typical answer they will working on. They never contacted XXXX.
Consumer complaint received 2015-07-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NY)

I disputed medical collection accounts on my credit and sent these disputes out via USPS certified mail on XXXX/XXXX/15. On XXXX XXXX, I received a letter from Experian stating that they decided the disputes were not sent by me and that they would not be initiating any disputes based on the suspicious correspondence. When I sent my dispute, I included my ID SSN card, proof of address and also marriage certificate. All of my information matched- name on ID was name on marriage certificate, name on SSN card matched maiden name on certificate. Address on ID matched proof of address, etc. I have not disputed anything for a couple of years, and there was absolutely no reason for them to say it was suspicious or that it did not come from me. I am sending a notarized letter including this complaint, proof of mailing the disputes, and the original dispute paperwork, along with other pieces of identification. This is just a blatant refusal to initiate my disputes.
Consumer complaint received 2015-06-01
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (OR)

I received a bill, credit card from XXXX with XXXX Bank in XXXX, paid the full amt. of {$37.00} on XXXX through my bill pay at my bank which is documented. In XXXX I received another bill for the same amt. plus fees and interest. I immediatly called the number on the bill explaining it was already paid and sent a verification from my bank as to when they paid it and when the check cleared. Latest bill this month for {$100.00}. They sent a check to me dated XX/XX/XXXX for {$37.00}. I 've contacted them since with no resolution. I have had another problem with same bank with my Walmart Discover card, and after several calls to them I received a letter dated XX/XX/XXXX stating their apology for any inconvenience this has caused me. I have told them of my time regarding this matter and they will be billed for it. This business needs to pay dearly for it 's negligence.
Consumer complaint received 2015-12-27
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (AZ)

RE : EBAY ITEM XXXX I am having a problem with the billing for this item. When I checked out at purchase I was given XXXX billing options. I very carefully selected the '18 months, no interest billing option. This is very clearly shown on this auction listing. 

However, when I received a purchase confirmation from PayPal credit the payment terms were stated as '6 months '. I understand that PayPal credit does not normally currently offer promotional financing longer than 6 months. I presume this was a 'black Friday ' special promotion. That is why I completed the purchased at that time. 

I have spoken with PayPal credit, PayPal and Ebay several times. I forwarded to PayPal credit a screen shot of the listing showing the payment terms. On XX/XX/2015, PayPal credit initially told me that I did not qualify for the 18-month payment terms. This was not what communicated to me in any way when I checked out. I have instances where a transaction could not be processed by PayPal credit. I know what those messages look like. I would not have confirmed the sale for any other payment terms. I actually could have purchased the exact same item elsewhere for less money at 6 months, no interest. Upon further contact PayPal credit stated I did not select 18-month terms at checkout. I most adamantly state that I did. 

I believe changing the terms of a sale after close is a fraudulent business practice.
Consumer complaint received 2015-12-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (OH)

I received a debt collection letter from XXXX XXXX XXXX XXXX XXXX, XXXX. saying they 're collecting a debt for {$160.00} that was acquired by XXXX XXXX XXXX. The letter also mentioned XXXX XXXX as XXXX. I have n't been in XXXX XXXX for more than 15 years but I called and made sure I did n't have any open accounts with them. I also replied to XXXX XXXX XXXX XXXX XXXX that the debt is unfounded and they replied back that the account has been closed. 

Today I received another debt collection letter from Common Wealth Financial Systems saying they 're collecting a debt for {$150.00} that was acquired by XXXX XXXX XXXX. 

It seems that XXXX XXXX XXXX. is selling bad/unfounded debts to debt collectors.
Consumer complaint received 2015-12-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OK)

I have attempted to access my credit report multiple times. The information that they use to verify your identity is completely NOT MINE. I have requested they fix this, most recently a month ago. This has been going on for years. There is another person in a neighboring city with the same name as I have, but without the suffix XXXX. I am attempting to verify and I have included the questions below, which none apply to me : Your credit file indicates you may have a mortgage loan, opened in or around XX/XX/XXXX. Who is the credit provider for this account? 
XXXX XXXX XXXX OF OKLAHOMA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NONE OF THE ABOVE What is the total monthly payment for the above-referenced account? 
{$1300.00} - {$1400.00} {$1400.00} - {$1500.00} {$1500.00} - {$1600.00} {$1600.00} - {$1700.00} NONE OF THE ABOVE Your credit file indicates you may have a retail card, opened in or around XX/XX/XXXX. Who is the credit provider for this account? 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NONE OF THE ABOVE Your credit file indicates you may have a bank card, opened in or around XX/XX/XXXX. Who is the credit provider for this account? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NONE OF THE ABOVE THEY REFUSE TO FIX IT. PLEASE HELP.
Consumer complaint received 2016-01-06
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Radius Global Solutions LLC (FL)

this originally was a neck device that was purchased at a therapy office, That was supposed to be covered by the insurance company XXXX, I did not find out until a year later that I owed this, so I offered to return it, the company XXXX would not accept my offer, so right now I 'm still in the appeal process with the State attorney 's office. So this should have not been sent to collections until fully resolved. Now I got this central credit services calling and there very loud and abusive for something that is still in dispute and they keep sending letters.
Consumer complaint received 2016-02-12
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One mislead me and had me under the assumption that my account was protected under their payment protection plan if I ever became unemployed and could not make my payments. I was unemployed and could not make my payments for three consecutive months. I was never notified by Capital One that the payment protection plan was no longer existent.
Consumer complaint received 2016-01-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First National Collection Bureau, Inc. (MA)

XXXX abused me as XXXX and promised to delete the negative report if the account paid in full. The account was paid in full on XXXX/XXXX/2015 {$250.00} and it still shows as in collection. I want my negative report to be removed as promised since I was abused from the XXXX credit bureaus. XXXX, XXXX and XXXX