davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Diversified Consultants, Inc. (KS)

On XX/XX/2016 I called XXXX UVerse to cancel XXXX at XXXX, XXXX, KS XXXX. I was given cancellation confirmation number XXXX and a final payment confirmation XXXX and paid a final payment of approximately {$55.00}. The service was cancelled on XX/XX/2016. On XX/XX/2016 I received a call from Diversified Consultants, a collection agency, stating that I owed an additional {$150.00}! Diversified Consultants also told me that the " bad debt '' would end up on my credit report if a payment was n't made that day. Worried and fearful of damage to my credit history ( which is perfect ), I made the payment for {$150.00} over the phone using my credit card. 

On the same day, after reviewing my notes ( and discovering that I had received confirmation numbers for my cancelation of service and final payment ), I called Diversified Consultants back and asked for a refund because I had previously paid XXXX XXXX XXXX the final amount. I was told the {$150.00} had already been sent XXXX & XXXX there was n't anything they can do to help me. I then contacted XXXX XXXX XXXX and at first they claimed the charge was for unreturned equipment and later claimed it was an early termination fee. After looking into both issues, theydetermined the equipment was returned and there was n't an early termination fee.Eventually they stated theycredited my account back {$99.00} but would not refund me the entire {$150.00}. I have now discovered that XXXX XXXX XXXX credited the CLOSED account {$99.00}, and XXXX XXXX XXXX is now claiming that the {$99.00} can not not be transferred to my active home account! 

XXXX XXXX XXXX and Diversified Consultants have violated the FDCPA and I am demanding the full {$150.00} back from XXXX XXXX XXXX. I did not ever owe XXXX XXXX XXXX or Diversified any funds and the XXXX should have not have called me and threatened to hurt my credit if I did not pay debt I did not owe. 

I demand a full refund via wire to my checking account, or a check issued in my name. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-12-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (OH)

Midland Funding is reporting a debt of {$4400.00} for XX/XX/XXXX. at one time it reported 2 debts for {$720.00} during this period I disputed, and they changed it to XXXX. A debt of $ XXXX for a period taken in XXXX reported and removed. 
XXXX was reported in my name 2 times taken out in XX/XX/XXXX. and updated. However now this amount of $ XXXX plus is reflecting again. There has NEVER been an account opened from XX/XX/XXXX, with a credit limit for an amount of {$4400.00}. Please ask the Midland funding Company to show the signed contract, along with an offer for a credit line of XXXX plus the credit card number. There is clearly a shell game going on here with the Midland Funding Company. Thank you for your time. XXXX SPEED
Consumer complaint received 2016-06-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CA)

In the beginning of XXXX XXXX I initiated contact with Chase Bank, the holder of my other mortgages, to refinance my personal home in XXXX, Ca. A loan officer with the name of XXXX XXXX XXXX took my call and after a discussion he quoted me a reasonable rate for a 30 year mortgage. My ratios without a resent paid off mortgage are 24 % over 44 % with a credit score of over XXXX. 
After XXXX XXXX requested all of my financial information he sent me an email indicating that Chase could not do the loan because my ratios were too high. 
I tried to explain how I had computed my ratios and he told me to send him more information and he was going to get back to me. After a few days went by and no response I tried to contact him via e mail and phone, but still no response. I then tried to contact his Manager via phone but after a few days still no response. Afraid that my financial info I decided to check to see if I was indeed dealing with Chase. I searched XXXX XXXX 's XXXX # XXXX as stated in his e mails, that number belongs to someone else. I then contacted the corporate office and they told me I was indeed dealing with Chase and they gave me XXXX XXXX 's NMLS # which appears to be correct. I then asked to have XXXX XXXX to call me regarding my loan. Through their in house email XXXX XXXX stated that he was call me within 30 mins. Three hours went by and His Manager XXXX XXXX called me to tell me that because XXXX of my business had a loss in XXXX they could not use any of the business income for qualifying and my ratios, according to him, were over 58 %. I went back through all my financial data and removed my XXXX business income from the equation and after removing the paid off mortgage I notified XXXX XXXX via e mail of my computations and asked him to review such because my ratios are within industry standards. I have XXXX, rental and business income. My ratios without the business income are as explained above. I asked him to work with me to give me options. i.e., bring the balance down, buy the interest down etc. and to this date still no response from XXXX XXXX. XXXX XXXX, XXXX I receive an e mail from XXXX XXXX stating that my loan documents were going to be available in their system for 10 days. I tried opening the e mail but was given an error message. I tried to contact him via e mail and phone to tell me if the loan was still in process and to help me open the email.. No response. His email now shows another XXXX number XXXX. This number belongs to someone else. 
All I want to know is if they are going to be able to refinance my house and why this gentleman is sending correspondence using other peoples XXXX numbers.
Consumer complaint received 2016-12-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IA)

I sent a check in the amount needed to payoff a loan along with a letter. In the letter I identified the loan number, account number and amount of the payoff. Navient allocated the amount of the check toward a completely different loan, in a different group, different type of loans ( private vs dept of educ loan ) In addition to those instructions in the letter, I also gave instruction about how to allocate any additional payments. Pay loan with largest amount then loans with highest interest rate. 1. Navient did not follow the instructions for the check & loan as specified in letter. 2. Navient did not follow instructions for extra payments. I do n't know how they decided to allocate this payment toward the private loan. 
I called Navient and spent about XXXX minutes to get a cust service rep to agree to fix this. At first she suggested my husband needed to call since i only had authorization to talk about it not make changes. I pointed out that he had already sent a written letter telling them how to allocate the money. Why should he have to call to tell them to follow the written instructions? She handled this professionally and apologized for the errors. I appreciated her skills. 
Another problem : on occasion when i am logged into my account, the website will change to my husbands account. security issue. ( i know this sounds impossible, but i showed my husband. it happened while he watched. 
And finally, the offer to lower a customer 's interest rate for signing up for the auto debit seems like a scam to me. Why? Navient lowers my payment as my principle decreases. For example, rather than a fixed payment of XXXX with the amount going to prinicple increasing as loan is paid off, they will reduce the monthly amount. This causes the loan to drag on for way longer, Navient collecting more in interest. I will be taking my loans out of auto debit program. They minuscule amount of interest reduction they offer for being in the auto debit program is worth less and in fact the customer ends up paying more. Very frustrated.
Consumer complaint received 2016-10-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FCI Lender Services Inc. (TX)

I bought my home in XX/XX/XXXX. My loan was originally owned by XXXX XXXX, I believe. Then XXXX XXXX XXXX XXXX took over the servicing part, I think. Unfortunately, I went through a divorce and the loan/note is in default. XX/XX/XXXX, it was sold to XXXX, in which they sold to XXXX, then back to XXXX all within a few months times ; and now they 've sold it again to FCI Lender Services. I am so confused because I ca n't find any assignments or transfers in deed records XXXX. I want this info so that I can reach out to apply for a loan mod. I am a XXXX and am very familiar with mortgages, default reconciliation, deed records, but I am not an attorney. I know that these companies must file notice, but I 'm unable to find anything on these companies, other than the correspondence they 've sent me. I 'm afraid to call because I do n't want to be scammed.
Consumer complaint received 2016-12-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

Chase bank closed my account because loss prevention did not like that I was depositing my fiance '' a paychecks. At the time he did not have his own account and was having me deposit them for him. They closed/purged my account and reported it to XXXX XXXX XXXX as closed for cause. This also caused the same thing to happen to my XXXX checking and savings account. As a result I am not able to bank anywhere. Had I known that depositing my fiance 's checks would cause such an issue I would not have helped him out.
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IN)

In XXXX, without notice, XXXX XXXX XXXX force closed two of my accounts without any notifications, reason, or consent. When I asked them for a reason, they said I would receive mail detailing the reason ( which I have not received ). They did not tell me I still had a {$25.00} balance on one of them. 

Fast forward today, I noticed a derogatory mark on my XXXX report. I called into XXXX XXXX XXXX today asking why there was a derogatory mark on my credit report. They initially claimed it was because I failed to make payments for 60 days. When I pressed with information that it was closed in XXXX, they claimed it was closed without my consent for some " internal reasons. '' The account was set up to auto-pay {$25.00} each month until the balance reached XXXX. After running my second to last payment in XXXX, they closed the account with {$25.00} remaining and provided no way for me to see what account was closed, what balance remained, and any methods to pay off the remaining balance. 

XXXX XXXX XXXX offered to submit a form to expunge this record from my XXXX report, but stated that because it was in collections, I could not pay off the {$25.00} to XXXX but instead needed to go through XXXX to find the collection agency and pay off the balance there. I called XXXX to file a dispute of the record and find the collection agency responsible for the {$25.00} debt. XXXX claimed that the balance was not in collections. 

Lo and behold, XXXX XXXX XXXX also failed to notify me that they reported the " delinquency '' to XXXX as well. Now I am not sure if they reported it to Equifax or any other agencies. After spending an hour with XXXX to dispute the mark, I found it ridiculous that I had to clean up XXXX XXXX XXXX 's mess. This should be XXXX XXXX XXXX 's responsibility to clean up the mess they caused. They intentionally harmed my credit report and provided no means to settle the remaining balance, which I could happily do right now. 

I am in the process of purchasing a house and XXXX XXXX XXXX is costing me both opportunity costs and higher interest rates as a result of their mistake. Please CFPB, set XXXX XXXX XXXX straight.
Consumer complaint received 2016-12-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Meridian ARG Inc. (NY)

I was called by Cambridge Asset Management about a debt that is not mine over and over trying to get a credit card number or bank number. Someone hacked my computer and got my personal information. They keep calling threatening to take legal action if I do n't pay them money. I never had an account in the name they are saying XXXX. They have my SS number, birthdate etc. which I 'm sure came from the spyware issue on my computer. I would like them to stop harassing me, I know this is a scam and I saw other complaints about them and a F rating from the XXXX.
Consumer complaint received 2016-12-02
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I closed my account with Bank of America Master Card in the summer of 2015. 
However I just received a statement from BoA with a new charge to my account. 
I contacted BoA with a request to truly close my account and reject all charges coming into this account after it was closed -- - because I am not a BoA customer anymore, and BoA is not my service provider anymore. IN my view, BoA can not transact business on my behalf -- - because we have no commercial relationship anymore. 
However BoA representatives declined providing an assurance to me that they will indeed close my account to new charges. I am seeking CFPB 's help in having BoA truly closing my account.
Consumer complaint received 2016-12-02
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (MA)

I set up recurring payments so that I would not forget to make my credit card payments. I had successfully made adjustments to this scheduled payment in the past and was NEVER informed it would take a month in order for it go through. I was subsequently charged a late fee and I was given a hard time when I called to explain the situation and have it removed. The rep told me that there was nothing he could do until I got very angry. He then said his supervisor could reverse it, which they did. He explained that this error was not my fault but I still had to pay the {$27.00} late fee as part of my monthly payment. I do not understand why this is legal? This left me with a total of {$120.00} to pay for XXXX and XXXX. ( even though it was their fault the automatic payment was not received ) instead of the regular {$45.00} per month payment. I can not avoid paying this because Synchrony Bank will charge me another fee for not paying the monthly minimum, which they have changed to $ XXXX.I had recently received a letter stating that although I have a great payment history with them, they would be lowering my balance from {$1600.00} to {$1400.00} due to my credit with other companies. When they lowered my balance to {$1400.00}, I was at the maximum amount of the card. Immediate after this, my scheduled payment conveniently was not taken from my account. I am not happy with this company 's policy I feel it takes advantage of the consumer and does not allow for the late fee to actually affect the monthly payment. I am seeking {$27.00} + interest from this company
Consumer complaint received 2016-12-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC. (NM)

First call from IQ Data International was XX/XX/<YYYY>. Regarding a XXXX dollar fee that was still owed to our prior apartment building that was n't forwarded to me. ( We were charged XXXX for a new blinds my 3 year bent security deposit was only XXXX ) I did n't answer the phone as I was at work. 
They then proceeded to call my husband also at work and finally a friend of ours who was listed as an emergency contact. First day of the collection and they extended it past our household. 
I called the number that had called me after work and I was told that about the debt and I mentioned that because of a larger then usual medical bill I would have to wait until XX/XX/XXXX when I got paid. They asked me if there was anyone in my family that could pay for it. If I could put it on a credit card because at the end of the month the fee would double. They kept me on the phone for 15 minutes trying to pressure me to find someone else to pay for it. To give them my account information ( routing and checking ) etc. I refused to and told them I would call back XXXX. 
They called again XXXX twice on my phone did n't leave a message either time, once on my husband 's phone and they called my friends who was our ICE. Again I made arrangements to make the payment on XXXX. 
Thursday they called me twice while at work and I answered the second time and had to go through the same process as the first day. Explaining the call would happen the next day. 
XXXX I got a call at XXXX exactly. Was driving so did n't answer. Husband called them at XXXX to pay. They encouraged him to pay with a routing and checking account number instead of his debit card. He said no and asked what their policy on phone call frequency and caller laughed. Husband paid and he had to ask twice for a confirmation number. 

We never got a letter from them. First call was XXXX and the frequency would make one think we had moved out of the apartment a year ago not 2 months ago. I 'm lucky I could pay today but I hate to think what someone who could n't would have to put up with. I asked them XXXX to not call until XXXX and was assured it would happen. Harassing bullies.
Consumer complaint received 2016-12-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

I took a deposit to People 's Bank and deposited it.The following day when I sought a confirmation of the funds in the account it was not available. The next day as I followed up with inquiry to the tellers I was introduced to the manager that informed me that it was a counterfeit item ; thus reason for the results I recieved. When I asked for the number of the head of the fraud division I was threatened with removal by police force.
Consumer complaint received 2016-12-02
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PlusFour, Inc (NV)

Collector XXXX did not preform any due dalliance. Did not verify that the debt was mine before contact. Creditor ( Desert XXXX XXXX XXXX did not communicate with the my medical provider XXXX XXXX XXXX NV XXXX who requested in house the x-ray for a covered wellness visit. Under my XXXX XXXX thru XXXX this is a covered procedure as a senior citizen. Neither XXXX XXXX or XXXX Partners billing offices communicated between each other.. Neither asked for or passed along my basic insurance information. Neither would talk to the other. I never received a bill or statement. XXXX told me they did n't have to produce a bill. 
Desert Radiology went straight to collections they never contacted the XXXX XXXX EVEN THOUGH THEY ARE THE SAME OFFICE. 
I reiterate this is a totally covered procedure by Humana.
Consumer complaint received 2016-12-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (IL)

Roundpoint mortgage keeps incorrectly force placing flood insurance onto my mortgage. I have already submitted evidence of flood insurance to them several times via email, fax and have contacted them. I have evidence of all of those submissions that date all the way back to XX/XX/2016. My mortgage amount is normally {$940.00} but this month they increased my auto debit without my consent and without any communication to {$1200.00}. I contacted their customer service and it turns out to be an error on their part for never accurately updating their flood records. So unfortunately I am out {$260.00} until they can get this resolved which they told me they wouldnt be able to give me an update on it until XX/XX/2016. This is extremely deceptive practice and its similar to what i experienced with XXXX XXXX XXXX. They have no right to force place that insurance when i adequately and timely submitted evidence and they also violated my reg E for adjusting my ACH without my consent and notification.
Consumer complaint received 2016-07-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Bank of America refuses to give me consistent and accurate information for removing my PMI payment. Every time I call I get a different requirement for an appraisal or loan to value amount. I have an appraisal they refuse to accept even though all appraisers are supposed to be selected at random and I was told before that it would be accepted if it was done within the last 3 months.
Consumer complaint received 2016-12-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (GA)

Dear Sir and/or Madame : As a senior citizen, I would expect not to be taken advantage of especially with something as serious as a mortgage. I have as of yet to be given an accurate, ongoing accounting of my mortgage loan. When I have asked questions, I have been given incorrect and/or incomplete information. " The year 's end analysis '', I was told would clear up all my questions. It has not. Please help with the following : I was initially informed that the mortgage insurance would be stopped after a few months Itemization of Amount Financed / Settlement Statement Return of the per dieum I was erroneously charged The money I returned from FHA repairs Insurances cancellation and accounting for XXXX Bank - accounting, request for loan payment in full XXXX. - accounting, letter of transfer XXXX - accounting Roundpoint Mortgage Servicing Corporation - accounting
Consumer complaint received 2017-03-27
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Today, XXXX/XXXX/2017, I attempted to cash a check from my son-in-law made out to his mother, my wife at Bank of America, XXXX branch, XXXX, NC. Since my wife is not only XXXX but recently XXXX, she is rather XXXX. However, I have cashed 7-8 checks from him to us at the same location. I place our identification - Id/drivers license, both bank cards from the XXXX banks we do use, not Bank of America. They use the " California security screens '' which consist of 1 '' of bullet proof glass and a 3 '' opening to place your identification. I had placed her ID on the left side and my ID 's on the right side of the half-round tray. The Financial Center Operations Manager, XXXX, was starting to give her OK by initialing the check for cashing. As she stopped and reached for my ID, I reached over to push it up for her to reach. My ID and XXXX bank card fell down on the counter. I said excuse me. She suddenly stopped and said " NO ''. I asked her what was wrong as she replied, " I am not going to authorize it because you threw those cards at me! '' Remember this is the bank my step-son had written the check on and I have cashed his checks to us there several times before. XXXX started walking away and I called out and asked for her name. She said she was getting me a business card, which she did produce. 
I believe other people, potential customers and Bank of America officers should be aware of this women 's attitude and refusal to cash one of there own checks. I plan to make everyone I can aware of the XXXX service or bad attitude I encountered this morning. 
Being XXXX, I was XXXX, I am used to people being rude to me but I did not give this lady any reason to prejudge me and fly off the handle so quickly.