davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (NY)

I called XXXX XXXX XXXX and notified them that I wanted to cancel my phone service. They gave me a cancellation fee which I paid and I have a confirmation number. Months later I received a collections bill from XXXX XXXX XXXX
Consumer complaint received 2015-11-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (MI)

It was Sunday XXXX XXXX. I received a call at XXXX XXXX from XXXX. 
It was from Credit Acceptance, the lien holder on my vehicle. I answered the call, but there was no response and then I was hung up on. I called immediately back, and was quickly connected to a representative. I was asked to verify my account, and I gave them my name, and my address, but then they asked for ANOTHER piece of information to verify ( for XXXX purposes ). I questioned this, because they originally called me, threby meaning they would have to do outbound XXXX requirements. 
They started to argue with me, and I never provided the additional information because I was mad, and because they started to argue with me about the process. While this was going on, the rep started to talk about the specifics of my loan, the fact that I was overdue, and that he needed to collect payment at that very moment because there is no grace period on the note. It states right inside the note that there is a 15 day grace period before it is considered late and collection proceedings are started. 
The thing that blows my mind about this is the fact that I had already sent out a payment automatically from my Bank account on Friday afternoon! It was removed from my checking account, and was waiting on Credit Acceptance to process it! However, they chose to have a representative Call me at XXXX on a SUNDAY morning as I was trying to drive to Church. Get your payment processors to work on Sunday while the banks are closed! 
I was incredibly offended by this nuisance, but more by the fact that the representative failed to properly verify my identity even by there own XXXX Controls! I am confident that I could call in again and not have my privacy protected adequately! This must stop because I am confident if this lack of regard for security happened to myself, a person whom has never missed a payment, I can only imagine it gets worse for those in collections, or those seeking to modify a loan. 
I would like my credit report to reflect that I had not missed any payments, and I would like the CFPB to investigate and redress my claim against this careless company.
Consumer complaint received 2015-11-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (IN)

Citibank continues to make calls to my home concerning a debt for XXXX XXXX. We have told told them onXX/XX/2015, XX/XX/2015 XX/XX/2015, a total of 21 calls, speaking to a XXXX and XXXX this is not our debt
Consumer complaint received 2015-07-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

There 's a name on there that is not mine into addresses do not mind name is XXXX XXXX XXXX my name is XXXX and there at address is in there were XXXX addresses that are not mine XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX never lived in XXXX my name is XXXX XXXX XXXX
Consumer complaint received 2015-07-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (IL)

Since XXXX 2014 we have made several request to our mortgage company that monthly payment coupons/statements be sent to us for our monthly mortgage payments because since then we have just been mailing payments since no payment coupons/statements have been forthcoming. We have been with this mortgage company for 9-10 years, never having a problem until now. We have made several attempts to remedy the matter only to be told they are coming, and always suggesting we go on-line to make payment or through their automated payment system, which charges a fee. Plus, none of these options are we interested in since we are older and prefer the old method of payment. This concerns us since it seems like they are trying to steer us to on-line payments. Can you please help us to find out what 's going on. We just want to receive paper payment coupons/statements on our account which should be our choice and as a consumer/customer we should be entitled to. Thanks for your help with this matter.
Consumer complaint received 2016-01-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (PA)

PHH Mortgage has done several things to make my mortgage increasingly untenable and are now threatening to foreclose. When I submit late fees, they disregard instructions and apply it toward principal, subtract the outstanding fees from the base payment, claim I was late, then apply yet more late fees. I now owe well over XXXX $ in late fee due to this 'snowballing ' of late fees. Once, they sent me an escrow overpayment check of XXXX . I called to confirm that that was not an error and was told it wasnt. A month later, after the money was spent, they said it was an error and I had to remit the entire XXXX $ immediately. I could not do this, so my next payment was applied to that and I was assessed another late fee because they claimed I had not made a payment toward the mortgage. They eventually came up with a repayment plan but at this point my XXXX $ mortgage was now about XXXX $ per month. This made a difficult ( due to injury ) mortgage incredibly hard to pay, resulting in more late fees. Their phone representatives are completely inconsistent ; at XXXX point claiming I owed no fees followed by a letter saying I owe hundreds. Once they claimed they could not look beyond 2 years back of the loan due to their computer system ; a claim that is completely implausible in the year XXXX. Now- I have changed positions and well equipped to incrementally pay off everything, but the bank demands 100 % payment or nothing ( they will not even accept my regular payment ). Of course, they are charging more late fees because they claim I am not paying. Naturally, my credit is completely ruined as well. I spoke to them on XXXX/XXXX/XXXX and they demanded a double payment to stop foreclosure. I pointed out if they had not sent back my last payment and I made a payment on-the-spot, that would have been the same thing, but the returned payment had, at that point, been re-routed to other bills of mine. I offered to make a double payment on XXXX/XXXX/XXXX and they said I would have to make a *triple payment " or be foreclosed. This is impossible of course, although it could be done on XXXX/XXXX/XXXX, yet I suspect they would demand a quadruple payment by then.
Consumer complaint received 2015-12-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMA Advisors, LLC. (CA)

I completed an FHA Streamline mortgage with XXXX XXXX XXXX Bank and they sold my mortgage to HomeBridge. At escrow, I was given XXXX receipts for my XXXX and XXXX payments so that I would know where to send my payments until my account was setup and I could make electronic payments. After signing, I misplaced the coupons and asked my broker to re-send them via email, which he did. I paid my XXXX payment on time using the coupons he emailed me. 

In XXXX, HomeBridge called me to inform me that I was late on my payment and they were " attempting to collect a past due debt ''. They called me on my work phone line. I asked them to call back on my cell phone. I ended up spending around 45 minutes talking to someone about my mortgage. He told me that I owed them {$1100.00}, which was disconcerting because it was significantly lower than expected. I asked them if they had setup my impound account to pay taxes and home insurance. He said they had not and that I would have to fax my tax documents and my insurance documents to XXXX separate departments! I immediately called my broker from XXXX XXXX, and he said to ignore them and wait for my welcome packet in the mail sometime in XXXX and to continue paying to the coupons he sent me. 

I paid my XXXX bill promptly on the XXXX of the month. Then on the XXXX of XXXX, I received another call from HomeBridge saying I was late on my XXXX payment, but they had received my XXXX payment. I told them I mailed the check to the same place as I had in XXXX and the check had been cashed! She asked me to pull up all kinds of information as to where I sent the check, who I addressed it to. Again, I was at work. Again, it took about 40 minutes. Then I just received another call today! The woman who I spoke to on Friday apparently did n't take very diligent notes. 

This process is a waste of my time and is a huge disturbance at work. I feel harassed to talk to these incompetent people out of fear that they will mistakenly report a missed mortgage payment to the credit bureau. I want to emphasize that I have followed all directions that were given to me and both of my payments were cashed. This process has been sloppy and jarring. HomeBridge should be seriously reprimanded for their disorganized practice and harassment of new mortgage holders.
Consumer complaint received 2016-01-28
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (NY)

Over the holidays I traveled and had difficulty assessing my account to pay bills through Amexs telephone billing system. Their automated system is consistently glitchy and does n't accept or recognize my account info, and boots me from the system. Their recognition software is extremely poor. And the wait times to get a live service rep are always ridiculously long. I have complained of this several times as I 'm sure other consumers have. As a result I did not pay my bill and was approximately a week or so late until I returned from traveling. As a result Amex jacked my interest rate up to a penalty rate of 27.49 percent ( almost double my regular rate ), charged me a XXXX dollar late fee and forfeited XXXX frequent flier miles. All essentially bc of lapses in their system and customer service which make making payments accessible. This is incredibly bad faith behavior, in my opinion, and given that their telephone system has always been difficult to access with poor recognition software, I feel reflects negligence on their part. I attempted to resolve it with Amex directly- again being knocked out of their glitchy telephond system several times and then being required to wait for extended periods to speak to someone- but they refused to reverse all the charges and restore my miles. Again, stemming from deficiencies in their own system.
Consumer complaint received 2015-06-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (FL)

XXXX XXXX XXXX is still trying to charge me for phone service I never had. As stated in my previous complaint filed with the CFPB back in XX/XX/XXXX, I have never used XXXX, and have been with another company for seventeen years. The account number on the bill, which is " XXXX '' ( which corresponds with the last XXXX digits of a person 's Social Security number ) does not match mine. In addition, the phone number on the bill is not mine! I happened to have a similar name to the person listed on the bill, so they forwarded this bill to my address, and demanded collection. I called them, and explained what happened, and the XXXX representative promised me that they would call off the collection agency. However, I see that on my credit report, they have still posted me as owing money to them, unfairly damaging my credit. Instead of correcting their mistake, they have passed my name, phone number, and address to yet another collection agency. XXXX back in XX/XX/XXXX ; XXXX the " XXXX XXXX '' back in XX/XX/XXXX ( XXXX, which, by the way, apologized and stopped harassing me ). Third, they passed my name yet again to " XXXX XXXX, XXXX '', which not only apologized for bothering me, but admitted that XXXX had passed on to them a fraudulent debt. Now, it is XX/XX/XXXX, and XXXX is at it again, by passing my name to " Credit Collection Services ( CCS XXXX XXXX, '' which has sent me a notice for payment, and has been making incessant phone calls to my number.
Consumer complaint received 2015-07-15
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY (MA)

My American Express Blue Cash Credit Card with ending number XXXX was wrongfully charged without my authorization on XX/XX/XXXX. The charge was {$100.00}. I paid off the charge plus late fee and interest charge in total of {$120.00} on XX/XX/XXXX. However, American Express charged {$1.00} interest. This blue cash account information disappeared from my online account. I travelled to XXXX and XXXX during XX/XX/XXXX and XX/XX/XXXX and I did n't see the {$1.00} online. American Express Company terminated this blue cash card and closed out the account because of {$1.00}. They also forfeited {$1000.00} cash rewards I accumulated on this account. I authorized my brother to call American Express and one representative promised to fix the issue and return all the cash rewards to my other American Express cards. However, they lied and never return the money. At this moment, American Express refused to reopen the account and return my cash rewards. Additionally, they had reported this unresolved issue to credit agency and ruined my FICO scores. I am deep trouble getting loans if I want to buy an apartment. I have to bring this case to court and sue them and seek financial resolutions. They must pay all my cash rewards back and undo the damage they caused to my FICO score and also pay for any related damages.
Consumer complaint received 2015-12-18
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY (PA)

When I used my American Express " Bluebird '' card at a gas pump I used my old zip code ( we just moved ) and the pump declined the transaction. Yet it put a hold on all of the funds on my card. When I called the company they will not release it for 8 days. I went to the owner of the gas station and they are large enough that they told me that they automatically released the hold to American Express. I got the Amex rep on the phone with the vendor who told Amex they would fax a release. Amex would not release my funds. I am denied access to my money for eight days and my transaction was declined.
Consumer complaint received 2015-07-15
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have been a victim of identity theft. In XXXX 2015 I was reviewing my XXXX account and noted that a Hard Inquiry had been made from Capitol One ( a financial institution which issues credit cards ) and was listed on my credit report with XXXX and XXXX accounts andalso in my personal information a new residence address had been added. I never contacted Capitol One and requested credit and I have lived at the same address for over XXXX years and have not moved. I am requesting that the Hard Inquiry from Capitol One be removed as I never requested credit from them from all credit agencies specifically XXXX, XXXX and XXXX. I am also requesting that the fraudulent address which was added to my credit report personal information be removed. Capitol One Bank has contacted me and I informed them that I never contacted them and requested credit and I needed the Hard Inquiry they had reported to the credit agencies removed which was removed from my credit report.
Consumer complaint received 2015-07-16
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

In XXXX, I and my ex-husband applied for a refinance & HELOC from Beneficial. The loans were granted. My ex-husband passed away XXXX XXXX. At this time I contacted a lawyer to determine my options for having my husband removed from the title to the property and mortgage. Lawyer took care of having husband removed from the title. I recently attempted to apply for refinance to remove him from the mortgage and take cash out. I learned through an attempt to refinance I was unable to refinance the property due to there is no deed from XXXX found indicating my interest in the property. The only deed filed with the XXXX County Illinois Recorder was in XXXX with the original purchase of the home in which my ex-husband was the only one listed on the deed. Beneficial did file a mortgage on XXXX, XXXX on the property. I am just outraged at this point that I took out a loan on my home, yet it was never deeded in my name as one of the rightful owners. Now I am being denied the ability to refinance at this time because I can not show that I was the rightful owner of this property prior to XXXX/XXXX/XXXX when my children quit claimed their fathers interest to me. I am just sick of this company and the way this company misleads and XXXX over customers. I am technically being forced to remain with this company because I can not secure financing with another reputable company because I have to wait anywhere from 6 - 12months to refinance, because the property I have owned for over 20 years and paying on for over 20years is considered inheritance since it was just quit claimed to me XXXX/XXXX/XXXX.
Consumer complaint received 2015-07-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Omega RMS, LLC (FL)

Omega RMS has placed information on my credit report which is n't mine. I never initialized any business with this company. Omega is known for placing bogus information on credit reports. Please remove all derogatory remarks and thank you in advance.
Consumer complaint received 2015-11-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (TX)

Transworld Systems Inc. is trying to collects a debt I do not owe from their client XXXX in XXXX Texas XXXX. I NEVER signed any documents, never received any copies of my signature of a membership due to the membership being a gift from my mom. Because of a gift, I owe XXXX and do not wish to pay the amount due to something I never signed up for. I want this disputed and off my credit report. Every document has my mothers signature, Please talk with this company and remove me off the list and all lists. Thankyou
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

You are violating my consumer rights ... ..I cant acccess my file.. 

Theres still a fraud alert on my file and I cant access my score. Its giving me an error. All of my personal information is correct!
Consumer complaint received 2016-02-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

Submitted payment through the only means Carrington Motgage Services would make available, XXXX XXXX {$1600.00}. Carrington Mortgage Services declined payment. They are demanding full payment and I ca n't do that. It is over {$5000.00}. In addition there is no way to make a current payment. I have applied for the loan to be modified but I get the impression they are simply trying to drive me out of the house
Consumer complaint received 2015-09-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (OH)

I have an auto loan through Santander Consumer USA. My 60 month loan payment is {$590.00} per month. I opened this account in XXXX 2013 and made the first payment in XXXX 2013. With few exceptions, I always pay {$600.00} to decrease the principal quicker and get out from under this loan quicker. 

XXXX ( XXXX ) payments later, I have discoverred that my principal has only decreased by {$2700.00} despite having made {$12000.00} in total payments. I have also discovered that Santander has taken my entire payment and applied only to interest on XXXX ( XXXX ) different occasions. 

I have called and tried to have this problem remedied and the customer service rep told me she would have the issue resolved and to call back in ten ( 10 ) days, which I did. 

Upon that call-back, I was informed that because my loan had went late XXXX times, they were taking the interest first and that the cost of the loan was just under {$13.00} per day. I told her I would have to be over 40 dyas late for that to be true and she claims that I was - just once. She explained that this was a simple interest loan and that this was how the loan was structured. 

I am not wise in the ways of finance at all, but I do know that my payments have been timely for the past year and that they are exactly where they are supposed to. My loan is current and I know there is no way this loan will be paid off in the 60 months. 

I am no getting any explanantion from Santander and I have spoken with local banks that deal with auto finance and they have recommended coming to you.
Consumer complaint received 2016-01-07
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I made a purchase on my credit card on XX/XX/XXXX I made a payment. 
Then XXXX XXXX I made another payment for my XX/XX/XXXX Bill And then XX/XX/XXXX I made a payment for my XXXX th Bill. 

I was charged a {$27.00} late fee for my XX/XX/XXXX bill. 

Apparently I was told that my bill ended XX/XX/XXXX so the payment I made went to the XX/XX/XXXX bill I explained what happened and the representative could see and understand but unformed me she would not reverse my late fee. That it was my fault for paying at the beginning of the month and not a bank error. 

I made a payment XX/XX/XXXX and was charged a late fee XX/XX/XXXX
Consumer complaint received 2016-01-06
Product: Credit card — 
Issue: Balance transfer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I called XXXX XXXX XXXX to activate a replacement credit card today. The call was at approximately XXXX EST. The rep activated the card. He tried to sell me a balance transfer. I declined. He asked if I had any other questions. I told him I had recently transferred a balance to this card, and asked if I made a purchase how I would make a payment to avoid accruing interest. He gave me the correct information and then proceeded on a sales pitch to try to max out my credit line by direct depositing money into my account with a 4 % fee ( 18 month balance transfer ). He then went into the current soft pull of my credit report and told me that he saw I had outstanding balances with other banks and proceeded to use this information to try to sell me a balance transfer. 

I do n't have a problem with credit card companies offering their products and services. I do take issue with high pressure sales tactics, from a credit card provider, giving advice that will cause many to go into debt or irresponsibly spend. These sales tactics feel like the same ones banks/cc companies were using to position optional cross-sell products in 2010. For example, I believe he made the statement - " So this is a better option because it will cost you less '' ... which was n't true based on the information I had provided in the call.