davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMERINATIONAL COMMUNITY SERVICES, INC. (WI)

This is the second complaint that I have filed against Amerinational mortgage company. I have contacted them twice via phone to get my late charges for my mortgage handle. As of right now when I go on there website it currently reflects that I owe XXXX in late charges. I made a payment on XXXX XXXX,2017 of {$440.00}, which was my mortgage payment plus the late fee that they were saying that I owed. As of today I have made another payment towards my mortgage of {$420.00} to cover XXXX 's mortgage payment and late fee. The first call I made was around the XXXX XXXX, 2017 and spoke to a young lady that told me she would have the changes made and my should reflect a XXXX balance for the late fees, that did n't happen. So on XXXX XXXX, 2017 and spoke to a young man named XXXX about XXXX XXXX central time. At that time explained to him the problem I was having and we went back and forth with the numbers for a little while before he just came to the conclusion that he did n't understanding why the system was still reflecting a late balance and at that time a new late charge that was n't they 're standard late charge of {$20.00} was showing also. The system at that time was saying that I now owed an additional {$11.00}. Which I told him was impossible because if they give a grace period of 10 days from the XXXX of the month at the time of us speaking I still was n't late. At that point he said he would put in a request to have the matter handle. He told me it would take about a week to fix it has been a week and nothing has been done. I also have contacted XXXX XXXX XXXX Of Wisconsin ( XXXX ) which is named on the mortgage also to help resolve this issue. They are the organization that I abstained my home through. I have attached the payment ledger to this complaint so you can see exactly what is going on with my account. I have made lump some payments at time that did not get posted right. They decide to break the payments up and then they applied them how they wanted to. They will put the money towards unapplied funds or escrow payments instead of late fees or the next months mortgage payment.
Consumer complaint received 2017-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am receiving emails from Capital One Credit Card for a XXXX XXXX, her credit card personal information. I do not have an account with Capital One. I have contacted Capitol One on several occasions and asked them to stop sending her credit card personal information to me. Listed below is a copy of the emails I have recieved within the past 2 months and a detailed email with her information. I have unsubscribed on the email and are still getting them so this is my last resort on how to handle this situation. Detailed email Sign In Your Capital One statement is ready. About your account ending in XXXX XXXX XXXX, Your statement is available. If youre ready, you can make your payment now. Statement balance : {$500.00} Minimum payment : {$180.00} Payment due date : XXXX XXXX, 2017 by XXXX XXXX ET You can also review your account summary and pay your bill with our mobile banking app. 
View Your Statement Make a Payment Did you know? Paying more than the minimum amount due on  your account each month can save you money in finance charges.
Consumer complaint received 2017-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (SC)

In XX/XX/XXXX, I opened an account with XXXX for a line of service. After years of continuous calls to the company because I was not able to receive adequate service i.e. dropped calls, no service at time. Each time, XXXX continue to promise to rectify the problems by putting up new towers in my area, this never happened. In XX/XX/XXXX, XXXX agreed to release me from my contract with no money due. I checked my credit report in XX/XX/XXXX to see that my closed account with XXXX had been sold to a collection agency and placed on my credit report with derogatory comments. I was never notified prior to it being placed on my credit report in writing nor by phone. They just started with the harrassing phone calls in XX/XX/XXXX. From XX/XX/XXXX until now, I have called the collection agency trying to explain to them what happened, they told me I had to call XXXX. I have called XXXX. XXXX no longer has the account because that 's been some 10 years ago and due to their agreement with me. They account was suppose to be paid in full. I 've been back and forth with this collection agency. They are calling me two and three times a day 6 days a week. I 've tried to explain to each representative that call me to no avail sometimes they are just downright rude.
Consumer complaint received 2017-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (NC)

I canceled my contract with XXXX XXXX which incurred a debt of {$300.00} in XX/XX/XXXX. I sent a check to collection agency Diversified Consultants in the amount of XXXX which posted to their system on XX/XX/2017. I called to verify that they had received the check. While I was working with the collection agency, XXXX XXXX charged my checking account an additional {$300.00} without my authorization. Which created an overdraft on my account. I was able to call the bank and get them to reverse the charge since I was able to show that I had already paid the bill to the debt collector. On XX/XX/2017 I received a call from Diversified Consultants stating that I did not pay any debt. I tried to resolve the overcharge with both XXXX and Diversified but neither company was willing to work with me. XXXX told me that I would have to wait 90 days to contact XXXX to begin the process of recovering the overcharge. Diversified told me that it was my fault because I chose to send a check instead of giving them access to my checking account.
Consumer complaint received 2016-04-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NV)

We have been trying to complete a deed in lieu ( DIL ) with Wells Fargo Bank and just do n't seem able to conclude this. 

We tried to do a short sale with no luck and we 're finally able to get Wells to do a DIL with us. We signed the DIL agreement with Wells Fargo XX/XX/XXXX with an agreed vacate date of XXXX XXXX, XXXX. As part of the DIL with Wells Fargo they also agreed to settle a XXXX we had with XXXX and pay them ( XXXX ) {$12000.00} to settle. 

We vacated the house on XXXX XXXX, XXXX and did not sign the closing paperwork with Wells Fargo until XXXX XXXX, XXXX ; this is after Wells was a no show for the closing on XXXX XXXX. 

As of last week we have still not received final closing paperwork from Wells Fargo, the home is still in our name and the {$12000.00} payment to XXXX for settling the XXXX has not taken place. We also continued to pay the utilizes on the house until XXXX XXXX, XXXX at which time we stopped paying the gas, electric and water ; was not able to stop paying for trash service as the house is still in our name. 

We have representation from a local attorney and he is trying to get this resolved as well. 

Any help you can give us with this would be greatly appreciated.
Consumer complaint received 2017-07-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: DISCOVER BANK (OH)

Applied for new loan XX/XX/XXXX with very new permanent address for borrower and cosigner. Had to send verification of address and identity. They rejected serveral documents that were on their list. Made a call to them on XX/XX/XXXX to resolve and felt like we were on the right track. Got another email saying action was still needed and called again Sunday XX/XX/XXXX. During that call I accepted my interest rate and accepted my loan. I was informed it was now up to the school for dispersion. Yesterday we received a call that action was needed. At this point we should n't need any action as you can not accept the loan unless all parts are there. Not the case. I had to upload another document and correct the address once again. If the address was different you think they would have mentioned or noticed. While every representative was polite and as helpful as they could be, I am very displeased with discover. It was a long and frustrating process that was unnecessary.
Consumer complaint received 2017-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (GA)

At the time this debt was incurred, I was on XXXX and also State of Georgia XXXX Medicaid. The original creditor must not have filed a claim with Medicaid for payment. A medicaid patient is NOT liable to pay out of pocket, can not be billed balances, and can not be turned over to collections or held responsible for balances. My Medicaid number at the time was XXXX.
Consumer complaint received 2017-07-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates ( PRA ) reported collection accounts against my social security in the amounts of {$770.00} and {$550.00} to XXXX, XXXX and XXXX credit reporting agencies. PRA has not provided documentation to support their allegation that they purchased and have a right to collect on the debts.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (UT)

American Express markets its Delta Reserve card as providing XXXX MQM bonuses at the spend levels of $ XXXX and $ XXXX, annually. On the website americanexpress.com I as a consumer have a function available to me to view statements and activity for the period XX/XX/XXXX through XXXX XXXX, XXXX ( report is attached ). This report agrees with the XX/XX/XXXX Year-End Summary also published by American Express which shows that the net spend on the account for the year is XXXX XXXX. To ensure that I met the $ XXXX spend level for the bonus miles, I managed this through XX/XX/XXXX and ensured that no credits would be issued that would adversely impact the spend. Therefore, I believed that I had met the requirements of the card and would/should be awarded the XXXX MQM bonus miles. American Express has a different way of calculating the spend for this bonus and claims that the eligible spend is {$59000.00}. The difference is not discernable to the consumer from their website which provides this data and therefore is misleading to the consumer. When items that are excluded are included in the summary reports it serves to reinforce a misleading and fraudulent marketing approach by American Express. While the underlying terms and conditions may indicate the exclusion of fees, interest charges etc., the failure of American Express to provide a way for the consumer to track qualifying spend and to fail to note this on any of its spending reports maintains and reinforces its misleading advertising. American Express should be required to report to the consumer the spending amounts that qualify for the bonus if it is different than the amounts being shown on its website or annual summary statement. In the absence, I as a consumer are provided and relied on misleading and potentially fraudulent reporting by American Express. I have contacted American Express to no avail. Attached is their form letter response. While they acknowledge the shortcomings in their website, the answer I was told by a supervisor ( who would not share his name ) was that I as the consumer should have called them directly to have them calculate the qualified spend. In fact, I have done this for XX/XX/XXXX spend levels and was provided incorrect information and was told that they do not have any easy way to calculate the applicable spend. American Express should be required to compensate any consumer with the bonus MQMs at either the $ XXXX or $ XXXX level if their annual summary statement or the website equivalent shows such levels of spending until they can accurately report to the consumer the qualified spend levels they have met. I believe that I should be granted the XXXX MQMs for XXXX for having met the $ XXXX spending threshold and seek your assistance to end this misleading and fraudulent activity on the part of American Express.
Consumer complaint received 2017-07-27
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ORG GC GP BUYER, LLC (CA)

My paycheck started being garnished without warning. I was not given a chance to dispute this issue. I do n't know exactly what company is doing it but on my paycheck it say " Student Loan/ XXXX XXXX '' and then the amount withdrawn from every check. I know by law you are suppose to have been employed for 12 consecutive months before garnishments. That is not the case with me. I am being robbed.
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: ClearOne Advantage, LLC (MO)

On XXXX.17 I signed a contract for debt resolution package with ClearOne. They indicated they needed the contract signed by the end of the week, so I signed it. A gentleman called me that evening and went through some information. I felt very uneasy about the information he gave me pertaining to how then relieve the debts. On XXXX.17, I signed the cancellation notice, found in the electronic package, and sent it via certified to the company. They signed for the cancellation letter on XXXX.17.  On XXXX.17 I tried to log into my XXXX XXXX XXXX account to make my payment, but I kept getting a log in error. I then called XXXX XXXX  XXXX and they said they had received a COA/POA from ClearOne and my account had been closed. I called ClearOne immediately, they indicated that I should not only have signed and mailed the cancellation letter, but I also needed to contact them verbally to cancel. I told them that they should not have pursued any debt relief after signing the confirmation of receiving the cancellation letter. They sent me a confirmation of cancellation but it was dated for XXXX.17, not XXXX.17 the date they received the letter. I called XXXX XXXX XXXX again and they can not reopen my account because they have the COA/POA on file. They said I was a very good customer but they could not reopen the account. ClearOne should have never move forward with a debt relief plan after receiving the cancellation letter. Unfortunately now I do not have access to my lowest interest credit card.
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

This complaint is to inform you that I recently received a copy of my Credit Report and after review I found an item that is inaccurate. The unverified account in question is listed below. Please send me original documentation that you have in your files as of this date that you used to verify the accuracy of the account listed below. Under the Fair Credit Reporting Act, 15 USC 1681, I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit file. If you do not have any documentation in your files to verify the accuracy of this disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report you are damaging my credit worthiness. Please provide verifiable original documentation within 30 days. If you are unable to do so please remove said item from my credit report immediately. XXXX XXXX XXXX Acct # XXXX {$1200.00}
Consumer complaint received 2017-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TN)

I am contesting the account with XXXX/XXXX XXXX It is an account that was opened without my consent. It is showing a balance of {$440.00} with a {$250.00} credit limit. Experian is stating on their report that it is even late and over the limit with a 176 % usage. I need Experian and XXXX/XXXX XXXX to correct this account on my Experian report. I should not owe XXXX/XXXX XXXX anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my Experian report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from Experian Report and corrected. Please remove. It has been corrected on my XXXX and XXXX reports, too.
Consumer complaint received 2016-10-18
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: STONELEIGH RECOVERY ASSOCIATES, LLC (NY)

First I want to say they did all of the options above. I know where all my debt is and it isnt with this company. They called my job ( a school ) and somehow got my cell phone number which I NEVER gave out. 
They have been calling non-stop for the past 3 days. I called back multiple times and they are rude and nasty. I refused to confirm the " information '' about me they had on file so they hung up on me.
Consumer complaint received 2016-05-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC (LA)

XXXX XXXX My husband was laid-off from his job. We called the mortgage company to see if there was any way we could pay the interest basically if there was anything we could do because we could not pay the loan. We were instructed to submit the Borrowers assistance application. All paperwork was submitted before XX/XX/XXXX. My husband started a new job XX/XX/XXXX. Around this time we received a letter from the mortgage company stating we were eligible for a 3 month forbearance program. At this point we had not paid the XX/XX/XXXX note. The forbearance was from XX/XX/XXXX to XX/XX/XXXX. Once we received my husbands first check I attempted to make a payment online and the system would not allow the payment. At this point I contacted the Mortgage company to try to make the payment I was told because we were in the forbearance program I would not be able to make the payment until the program was complete. My husband was laid off again XX/XX/XXXX and found another job for less money XX/XX/XXXX XXXX. I contacted the mortgage company XX/XX/XXXX to see what our options would be for repayment. She told me I had to submit the borrow assistance application again with the recent month check stubs. I told her my husband had recently got another job and I only had XXXX check stub at that point. She told me I would have to wait to submit. I resubmitted our application XX/XX/XXXX I received letters 3 times on info that was not provided with the application. I submitted the info immediately. On XXXX XXXX we received our evaluation summary from the mortgage company stating the only program we would be eligible for is short sale or deed in lieu of foreclosure. The only other option would be to pay the XXXX we are behind. My husband spoke to someone with the mortgage company on XXXX XXXX and was advised to resubmit our application with the changes we have recently made on some of our other bills. And I did n't realize when I submitted the paperwork in XX/XX/XXXX that I did n't include my husbands truck allowance. I resubmitted by XXXX through email on XXXX XXXX. When we got home on XXXX XXXX we had a notice of default and intent to accelerate letter in the mail dated XXXX/XXXX/XXXX. This letter states we have until XXXX/XXXX/XXXX to bring the mortgage current to avoid foreclosure. We also received a notice of a certified letter that no one was home to sign for. We was told the forbearance was the only program available to us. We was also under the impression that they would work with us to get this account up to date once it was done. In this time our credit score has dropped from upper XXXX 's to lower XXXX 's which we did not realize would happen since we were working with them. All we want is for the mortgage company to not take advantage of us in this situation. We do not want to lose our home. They were very misleading about the end result of this program.
Consumer complaint received 2016-05-17
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Firstsource Business Process Services, LLC (CA)

I have been making payments to one advantage and they are not applying them to my account. The customer service rep said that have another other accounts not reflected on my credit report. I currently have an open dispute because they sent me verification for another person with similar name. They also have an account in which they list the first name of XXXX of my children and the last name is totally different. They said I have a balance of about {$1100.00} when all XXXX credit reports are showing only {$530.00}.
Consumer complaint received 2016-09-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (MD)

XXXX XXXX XXXX XXXX recent review of my XXXX, and XXXX credit reports alerted me of a collection account that had already been resolved. On XXXX/XXXX/XXXX, it appears that Commonwealth Financial Systems re-reported the service from XXXX XXXX XXXX for the date of service XXXX/XXXX/XXXX in the amount of {$430.00} to all XXXX bureaus. In XXXX, I dealt with XXXX ( which bounced me around internally ) which was reporting at that time. I have attached information regarding where the payment was mailed. Unfortunately, more detailed specifics can not be generated from my prepaid account due to the age of the payment. Sometime last year XXXX XXXX XXXX, I was contacted again about it. When I advised that it was already paid, the conversation did not devolve into an argument and I thought records were finally updated and closed. Now this. 

Any record of this account needs to be re-deleted from all XXXX of my credit reports.