davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-06
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: AMERICAN EXPRESS COMPANY (AL)

I filed a dispute with AMERICAN EXPRESS in regards to a charge which was on my card for {$350.00} on XXXX XXXX. I was told I would get an email updating me on the status of said dispute on XXXX XXXX and XXXX XXXX. I got neither. I was told by an agent that the status had been changed and I was going to be granted a refund on XXXX XXXX for the full amount. I called back to check later that day ( XXXX/XXXX/XXXX ) on my refund and was told they had no record of that in the notes and I requested to speak to a supervisor. I was then transferred to XXXX a supervisor present and was told she did not have the information notated in my account and there was nothing she could do. I asked would she review the recording of my conversation with said agent she said yes. I then reminded her in the state of alabama a verbal agreement is binding. She stated nothing and told me to call back on Thursday as any supervisor on the floor could review the notes that she reviewed the recording and a determination made then.
Consumer complaint received 2015-05-05
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (NC)

Hello, My name is XXXX XXXX. I am writing in regards to a complaint about American Express Bluebird Card # XXXX. 
XXXX XXXX, 2015, I submitted a Bill Payment of : {$67.00} to XXXX XXXX. 
To date, this payment has yet to be posted to my Credit Card account as a payment, and I can not receive any assistance from your overseas Customer Service agents. 
They tell me this the payment was completed, and paid out, but can not prove such with a date stamp, copy of a check or signature of who signed and where they cashed the check. 
Your service is the utmost inaccurate and dubious thing I have ever come across. 
I would like to know where my money is and why it has not been posted to my CreditCard account. 
My Credit Card customer care team requires proof that they cashed the check and your XXXX agents are not very resourceful and helpful in getting this resolved. 

I am very angrily awaiting a response from your disputes team and hopefully from American Express Corporate.
Consumer complaint received 2015-05-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: HireRight Solutions, Inc. (GA)

I was going through the hiring process at a recruitment firm and they were doing the background check through HireRight. HireRight reported that my Social Security Number ( SSN ) was issued between XXXX and that they issued a warning about it. I went to the Social Security Administration twice to confirm that they had issued me the correct SSN number and they stated that it was issued in XX/XX/XXXX. I tried to speak to HireRight about this to no avail and also sent them documents from the SSN Administration officej but that did me no good. The company ended up pulling my offer and said that they could n't hire me.
Consumer complaint received 2015-10-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bull City Financial Solutions, Inc (NC)

Bull City Financial falsely reported XXXX medical collections under my name with all XXXX major credit reporting agencies. I am neither the patient nor the guarantor on either account, which has been verified by Bull City and the original creditor. I have filed disputes with the credit reporting agencies, but Bull City is ignoring the disputes. Despite repeated requests, Bull City has refused to delete this reporting from all XXXX agencies. They are knowingly and illegally causing a malicious and adverse effect on my credit score.
Consumer complaint received 2015-05-07
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: JPMORGAN CHASE & CO. (TX)

Robocall from XXXX, with a callback number of XXXX in automated message. 

Spoke to representative, rep claimed that " First USA Bank '' was suing me in civil court for a debt that originated in XXXX and was written off in XXXX for a credit card ending in XXXX. 

Female rep said I had " XXXX options '', settle out of court or ( at this point, I explained that I had no recollection of this debt and that XXXX is well beyond any statute of limitations, at which point the representative hung up on me ). 

I was able to get an address - XXXX XXXX XXXX, XXXX XXXX, XXXX MI XXXX.
Consumer complaint received 2015-06-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IN)

I tried to do this but was told I was not eligible to dispute the information online and needed to mail my identity sensitive information to them but for security reasons they would not mail the information back to me. I am not comfortable with mailing my drivers license and social security card to them. This is keeping me from being qualified to purchase a home and is VERY time sensitive. Experian Credit Agency has my SS # incorrect in their records. I also tried calling them but was unsuccessful in getting to speak with a person
Consumer complaint received 2016-03-02
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Guild Holdings Company (DC)

I owned a home and sold it and closed on the loan on XXXX XXXX. XX/XX/2014 I had a loan modification and received money form HUD that was due to be paid back at the time of the sale. When the loan was refinanced, I was told this was rolled in to the original mortgage rather than being paid as a XXXX mortgage. When the title company showed the second mortgage, the escrow company called and asked was it to be paid out separately, and was told by the mortgage company it was rolled in at the time of the refinance and was reflected in the higher mortgage payment and interest rate. Just 4 days before closing on XXXX XXXX I was told was this was not true by Guild Mortgage and that the XXXX and XXXX mortgage had to be paid off. I asked for confirmation and was not given sufficient documentation that the loan was not rolled in. Nor why my mortgage and interest rate was significantly raised at the time or refinance. from 3/25 % to 4.75 % XX/XX/2014. I would have asked for a different selling price had I been made aware that the HUD loan was to be paid separately IN Addition to the mortgage as a subordinate deed of trust.. I believe the mortgage company did roll the HUD loan, but had no supporting documentation or paper trail. This costs me over XXXX in profit and no one would help me and they said it was a communication error. I also did not have the information or the opportunity to resolve it during closing as the buyer had to close on XXXX XXXX and threatened legal action while Guild insisted that there was no evidence that the new amount reflected the inclusion of the XXXX HUD loan. I do n't see how someone at the mortgage company could tell me the seller and the escrow officer the same thing and then change at the last minute especially as it showed up on the Title as a separate line item ( # XXXX ) and I and the escrow officer specifically asked about it. The closing and settlement process was a nightmare and not characteristic of my genuine good experience with this mortgage company. They have failed to respond to my requests for additional information or the request to explain the difference in the stated amount for loan and principal plus interest to be {$1400.00} among and the discrepancy with what I was paying. I certainly would have had to sell my house if the payments were truly not loan and not what my regular loan statement indicated.
Consumer complaint received 2015-08-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (TN)

I have received XXXX calls from this company telling me that I owe a debt. I do not know what type of debt, I do not stay on the phone long enough with them to find out. I do not have any type of delinquent debt, whatsoever. I once did, but over 7 years have passed since that debt was owed. Additionally, it would be " barred debt '' regardless, based on my state 's law ( s ). I think that they have bought a delinquent debt list that still has my name on it. I am concerned that this company or a future company may try and put it in my credit file with a CRA. This entire matter needs to be investigated and my name removed from their and/or anyone else 's purchased bad debt list ( s )
Consumer complaint received 2015-10-12
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Control Technology, Inc. (CA)

Hi my name is XXXX XXXX and I 've been on the XXXX XXXX since XXXX XXXX, 2015. This company Account Control Technology Inc has been giving me a hard time after I contacted them when the IRS send me a letter stating that they took my income tax. That 's when I called them to ask why did n't they notified me if they we 're collecting for my account No : XXXX XXXX XXXX XXXX, XXXX, Ca XXXXXXXXIs the agency attempting to collect the debt. 
I paid my default XXXX XXXX XXXX. Loan to be Tooken off default but they seem to be giving me the run around. That would mean their lying about if I made my payments on time they would take me off default so offset could be Tooken off so I could receive my taxes this coming year. 
This was a hardship because I 've been left without a car for eight months. 
Since XXXX XXXX XXXX XXXX did my taxes and now this agency put me indeed even more I owe XXXX COLSE TO {$600.00} AND they been calling tocollect this agency took XXXX with XXXX and XXXX XXXX XXXX XXXX charge for filling is missing. 
XXXX and XXXX = {$3200.00} so where is the rest of my money. I need help please. Thank u and XXXX bless.
Consumer complaint received 2015-09-01
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Niagara Capital Recovery LLC (PA)

Company left a message they wanted to schedule a courier to come to my house to deliver legal documents, and I needed to be here to show id, claimed they have made other attempts to come, we have not had anyone come here and there is always someone home at my household. I called back and they asked for my social security number, claiming they had to verify who I was. I refused to give out that information and asked for their company name and address. I could not find any information on the internet or with the bbb in regards to their company. I called them back and they refused to give me any information until I confirmed the last XXXX digits of my social which they already had. I told them I was not required to disclose that without knowing who they are. They said they would not disclose any information until I confirmed my social. I told them if they want to schedule the courier I can show them my id to verify my identity, they kept claiming they could not talk to me until I confirmed my social. When I again stated until I could identify their company I was not giving that out, he restated that he would not give me any info without my confirming my social and then hung up on me.
Consumer complaint received 2015-07-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

As a follow up to all my previous claims, which I find unreal. I just received a XXXX from Bank of America today which is XXXX XXXX, 2015. The package with areturned envelope is asking again for my XXXX form that I submitted XXXX times inthe course of XXXX months, another application which both items were accepted asof XXXX XXXX, 2015, asking me to fill out these forms again. I find this whole processvery unreal. I am forwarding the information to the agency along with the letterand other relevant documents provided to the bank to the Consumer Financial ProtectionBureau, which I hope will put a cease to these unreal requests with violations.
Consumer complaint received 2015-10-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have made all payments on time to XXXX XXXX XXXX. However, this month when reported my credit score dropped XXXX points as a result of late payment. When reviewing the payment history, all sections are in good standing, however, it says I am 39-50 days late in that section as well. I am current with all payments, I have NOT missed or been late on a payment.
Consumer complaint received 2015-07-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (CO)

Senenca mortgage took over servicing of my loan from previous mortgage company on XXXX/XXXX/15. My first payment, XXXX XXXX, went to the previous mortgage company as required. When Seneca took over my loan they began calling me weekly, sometimes daily, stating that I owed them my XX/XX/XXXX payment. I informed them that I had made that payment to the previous loan company as required. I also sent them proof from the previous mortgage company and bank statement showing it cleared. I still continue to receive calls until XX/XX/XXXX claiming they have not received this payment and stating I am one month behind on my payments. I was assessed a late fee, which I had to call and dispute. They have stated that they notated the account that I should not be assessed a late fee and are still attempting to get my previous payment forwarded from the previous loan company. I sent my XX/XX/XXXX payment by online bill pay as I have done since they assumed my loan. My XX/XX/XXXX payment was rejected by them. I had to call and ask why this was rejected. The answer I was given was that they have placed a hold on my account in order to monitor for any incoming check from the previous loan servicer. I am now forced to make payments by alternative means until this is resolved. I find this unacceptable and this company cleary has no idea what it is doing. They are threatening and I do n't trust them. I informed them if they negatively impact my credit in any way I will file a lawsuit against them. Online reviews of this company are overwhelmingly negative and appear to operate with questionable tactics. I will be working to help organize a class action lawsuit against this company if the issue is not dealt with in the next few weeks. Customer service reps are often rude and argumentative. They are the worse company I have ever dealt with and totally incompetent.
Consumer complaint received 2015-06-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Oxford Law, LLC (CA)

Receiving calls from Oxford Law LLC making a claim that I have a debt of over {$29.00} from a line of credit I opened in XXXX with XXXX Bank. That is over 21 years ago, I remember no such account. In XXXX when this debt was supposedly incurred, I was living in XXXX. In XXXX I moved to XXXX and lived there for 10 years. In XXXX or XXXX I filed for bankruptcy in XXXX Court in XXXX and had my debts resolved. According to Oxford Law, they have been trying to contact me but have been unable to do so for years. Even though I have moved a XXXX of times, I have ALWAYS left forwarding addresses and have had no trouble being contacted by any other businesses. Oxford Law even called my exwife hasselling her to find where I live and how to get ahold of me. I was initially contacted in XXXX by XXXX XXXX XXXX a law clerk at Oxford Law who said she needed to verify my personal information, etc. She did not give an address to reply to or would not state specifically what the debt was for. I did not hear anything more for 2 or 3 weeks. Starting on XXXX/XXXX/XXXX a man called and wanted to verify my information. He did not identify himself, or state who he was working for and kept wanting me to make plans to start paying on the debt or a suit would be filed against me. I told him that I needed information from him such as name and address, company he works for, what his position is and told him that I have the right to question and demand verification of the debt. He said he would email me that information. That was XXXX/XXXX/XXXX and today is XXXX/XXXX/XXXX and I have received nothing email or otherwise. Tonight, on my phone I noticed he had called again but left no message. I attempted to call him back at XXXX and was sent to the company mail box and told to leave a message. When I tried to do so. I was cut off.
Consumer complaint received 2015-05-05
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Account ending in XXXX and XXXX. Please Investigate Dispute {$840.00} ( An unaccounted Amount ) Error Charged to My account ) and the over the limit, late charges and fees as a result of fraudulent in XXXX XXXX. I Have XXXX. I am XXXX. Please Help Me and Solve This Problem. 
My statement for XXXX XXXX was {$1100.00}. Some one in XXXX made fraudulent charges. These charges were never removed successfully. After the fraudulent charges were removed, you still have me owing XXXX on the XXXX, XXXX statement and {$1800.00} on the XXXX XXXX statement. How is this possible when no additional purchases have been made to this account and the amount before this incident occurred in XXXX XXXX, I only owed {$1100.00}? Some one in your operation fraudulently charged this amount to my account. I should owe no more than {$1000.00}. 

My Request 1.Remove the more than {$800.00} in unaccounted for fees that appear on my XXXX and XXXX XXXX statement as requested above. 
2. XXXX XXXX Statement Stop charging me late fees and over the limit fees. One of your agents caused the over limit fee when those erroneous charges were allowed in XXXX XXXX Do n't charge me for your mistake. Also my account balance should be no more than {$1000.00} when you remove the hidden charges ( {$800.00} + )
Consumer complaint received 2015-11-20
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. (IL)

On XXXX I was contacted by diversified consultants inc. they related that I had a collection account and offered a settlement of {$150.00}. I accepted and paid that amount. I never received or asked for a receipt as I trusted that this was paid. Now I am getting charged the amount that was waived in the settlement and that amount is in collections. DCI refuses to provide me with a receipt or documentation showing my payment.
Consumer complaint received 2015-10-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alliance One, Inc. (CA)

Today, XXXX, my bank called me to let me know that a levy was sent to garnish what money do I have in my checking account. at XXXX Bank. It appears that this debt is a scam involving employees of government agencies namely : XXXX XXXX XXXX and my former employer XXXX XXXX XXXX XXXX. My bank provided me a telephone number to call about the levy. I called the number and I talked to an employee of XXXX XXXX XXXX which refuses to identify himself. This employee gave me another telephone number to call about the levy. The phone number belongs to Alliance One and I talked to a XXXX XXXX who refused to identify what company they are if they are a collection agency or not. I was able to obtain some information about the levy and checked my record and whatever these people are collecting were fully paid on XX/XX/XXXX to XXXX XXXX XXXX for a traffic citation that I was not even aware of but I paid it anyway without any disputes about the traffic citations. I paid this questionable amount XXXX the total amount of {$520.00} to obtain renewal of my California Driver 's License. Now it appears that I continue to be scammed and a fake court order document was sent to my bank to zero out my checking account. Please help.
Consumer complaint received 2015-05-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I had lost my job several years ago and was unable to make my mortgage payments. I am XXXX years old. We tried to request loan modification but we were denied because I do n't have sufficient income. I only earn social security income. The mediation was denied in XXXX 2014. Foreclosure sale was scheduled for sometime in XXXX 2014 so I needed to do a BK XXXX. The debt was discharged. there was a junior lien with XXXX and also the XXXX. I have continued to receive correspondence from SPS that does not pertain to my particular situation. Since I was not approved for HAMP or HARP I moved out of my condo. I have continued to receive notices and when I call they say the account has been referred to an attorney. in XXXX I sent SPS all the information they needed including fax numbers and addresses for the junior liens because I wanted them to do a Deed in Lieu. SPS never did anything about it. Today i finally spoke with someone at SPS called XXXX XXXX ( XXXX ) who said things could have been handled better and that mistakes have been made with uploading my documents to their system. This delay has caused my deed in lieu to be delayed and so I continue to be harassed by correspondence that does not relate to my situation. the resolution to this account should be deed in lieu or foreclosure but they continue to send me notices that I owe money. this has caused me stress and I have moved out of the condo and just want to have my name off the deed so i can move on. sps had the sheriff knocking at my door so i moved out in XXXX and now they are still harassing me. at XXXX i can not live this way. i want them to do their job and continue with the deed in lieu and stop harrassing me. sps noted that they didn not handle my account correctly and did not upload the documents i sent them correctly which caused them to send me more and more threatening letters. i need this to stop.
Consumer complaint received 2015-05-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CREDIT WORLD SERVICES, INC. (MO)

A debt originating with a Creditor was erroneously assigned to Credit World Services , Inc. XX/XX/XXXX. I contacted the Creditor confirming and correcting the error. XX/XX/XXXX I sent a letter of dispute requesting new verification of debt to Credit World Services , Inc. who then refused in writing to provide a new verification of debt. I resumed payment to the Creditor as previously arranged until the debt was satisfied XX/XX/XXXX. 

I have received several phone calls each containing harassment from " representatives '' and individuals claiming to be affiliated with Credit World Services , Inc. despite formal written request that all communications be in writing. 

The alleged amount owed as claimed by Credit World Services , Inc. has varied by a significant margin. 

Credit World Services , Inc. reported to XXXX that I had an account in collections XX/XX/XXXX. This deliberate, malicious, false, claim and misrepresentation of the truth has caused severe financial hardship through a compromised credit rating.