davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was on my Grandmother 's account an an authorized user and she fell ill and fell behind and asked that I be removed! They are refusing to remove it from my credit report and now have the account in a Terminated Status! Please see below! I do not even have the card and I am not the primary person! I have disputed it with XXXX XXXX and they removed me but the credit bureau is still showing it in error! 
Account Name Account Type Open Date Status Balance XXXX XXXX Credit Card XXXX XXXX, XXXX Open - XXXX Days Late XXXX Missed Payments {$0.00} 0 % of Credit Limit* Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX XXXX Account Type Credit Card Account Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment {$0.00} Responsibility Terminated Balance {$0.00} Highest Balance {$420.00} Payment Status XXXX Days Late Worst Payment Status XXXX Days Late Date of Last Payment XXXX Amount Past Due $ 0 Times XXXX Days Late XXXX Remarks Dispute resolved ; reported by grantor Payment History Latest Status : XXXX Days Late XXXX OK OK OK OK OK XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK J F M A M J J A XXXX O XXXX D XXXX XXXX Days Late Credit Utilization* 0.00 % Creditor Contact Details XXXX XXXX BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2016-12-06
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XXXX/XXXX/16 we went in to look at new vehicles. When we found the one we wanted, we explained that if they could not find financing within the XXXX bank hit on our credit and within the correct finance charges we were willing to pay, that we would return the following day with our own financing once our bank opened the following morning. When we went into the financing office, they notified us they hit our credit score 3 times. I was furious! When we were about to sign off on the car, we noticed the interest rate was XXXX points higher than we had agreed to pay. They had to adjust the selling price to get us approved by the bank at the lower rate. The next day I checked my credit report and noticed they had XXXX hard hits on my credit. I contacted the dealership and they said there was nothing they could do that sometimes their computer just keeps searching until it finds a bank to finance it. None of this is what we originally agreed upon. I had financing I could 've received from my bank the following day during bank hours but with it being the end of the month, I think the dealership was trying to hurry to close the deal and searched anywhere they could that late at night to get the deal done. I need these hard inquiries taken off of my record, because I never authorized them to go through XXXX of the XXXX banks, I only authorized them to go through XXXX.
Consumer complaint received 2016-04-12
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Convergent Resources, Inc. (PA)

Beginning on XXXX XXXX, ( 3 days ago ), I began receiving " robo-calls '' from phone number XXXX. A recording begins, identifying the caller as " XXXX XXXX '' and stating that he 's contacting me about " an important legal matter '', and that I should press 1 to be connected to a representative. I believe this is a shady collection agency scam, since no reputable company would fail to identify itself and attempt to imply that it had " legal matters '' to discuss, in this manner. Years ago, I had used payday loans, and this reminds me of the collection tactics that were employed by those firms. I do n't owe anyone money and I 'm getting tired of this harassment. They are calling my cell phone number.
Consumer complaint received 2016-09-06
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Office of Brockman & Rollins, LLC (FL)

I received a voice message that was left on my sisters phone stating they were the processor of the dispatch office and that I am a defendant in legal proceedings and that there is a complaint against me. Failing to comply can result in further legal actions taking place as well as the case going into default status and I need to contact their legal department asap.
Consumer complaint received 2016-09-06
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: SYNCHRONY FINANCIAL (NY)

XXXX XXXX XXXX has been calling me since last year regarding an account I had with Synchrony Bank/ Care Credit XXXX I 'm trying to purchase a house next year and want to straighten my credit out so I decided to make an agreement. I originally agreed to make 3 payments of {$590.00} to settle the account. After the 2nd payment was made I did some research, called XXXX and told them to cease anymore withdrawals from my account. I called XXXX on XXXX XXXX and Paid {$30.00} to stop the payment just in case they tried to take my money. After doing some extensive research I found over XXXX complaints about this company and their bad practices. I called them up and they stated to me " Your account is closed and we will cease reporting ''. I then asked why would they not report that I paid them so that this will show the bureaus that I 've settled the account and he had no answer. I then called XXXX and they stated that I am listed in good standing with that old account, which does do n't show up as derogatory. They also told me that XXXX is n't even on my report. I then pulled all XXXX credit reports and XXXX is nowhere to be found, which means the 2 previous payments were not updated with the credit bureaus. They basically conned me out of {$1700.00} that I really could not afford. The last payment that I asked them not to take out caused my account to go into the negative. This company has been fined for over XXXX dollars due to their bad practices and taking advantage of people. I would like to get my money back if possible.
Consumer complaint received 2016-07-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

Again BSI failed to respond accurately to my complaint. In the XXXX attached. I specificly stated how my payment was supposed to be applied and that I was disputing the fees associated with loan and XXXX completely ignores responding to it!!! This is why there are XXXX complaints. XXXX XXXX when answering a complaint you need to address the questions. I am tired of BSI skating over DIRECT QUESTIONS, DIRECT REQUESTS and DIRECT DISPUTES,. Which now is being copied to lawyer for the failure to respond. I did not agree to how how the money XXXX was applied and it was put in writing directly how it was to be applied which was also scanned with last complaint and she decided to ignore. I have excess in my account and should have been applied to XXXX payment AS SPECIFIED!!! BSI has not mailed out monthly statements either. I get my mail and they have sent me XXXX since XXXX. XXXX I paid extra as to not have to deal with BSI for a few months with payment issues and the lack of communication from BSI and run around ANSWERS. DIRECTLY apply the funds as SPECIFIED not how you felt necessary as this is now going to LAWYER for misappropriation of funds.
Consumer complaint received 2016-06-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (NJ)

I breached my contract with XXXX and paid every penny owed to them on the bill received in including the penalties, and the bill from XXXX was clearly stated " last bill '' because I also knew it was the last bill of XXXX dollars. My service was switched over XX/XX/XXXX to XXXX and my tablet had also been turned off also, and that was my doing. 
I recently received a bill from a certain Convergent Outsourcing , Inc. to pay another XXXX dollars. Seeing the XXXX name on the bill also, I called Convergent, who told me that I had to pay. I told them it had to be a mistake. So, I sent Convergent proof of everything. 
Well, they insisted that I pay the fraudulent bill, because that was the order received from XXXX. 
So, I decided to call XXXX myself to get to the bottom of fraudulent bill. They could n't even tell me how it came about after spending an hour yelling at the representative from XXXX, who was clueless about the bill, and yet insisted that I pay it. I even asked to send documentation to XXXX, because the first set of documents were sent to Convergent, not XXXX. XXXX refused to accept the documents to prove that I do n't owe them anything.
Consumer complaint received 2016-08-04
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

On XXXX/XXXX/2016 I closed my prepaid card that I had deposited XXXX XXXX dollars with Capital One. I got an email later saying I had to make a payment so I called. I have a transcript of the phone conversation with the Capital One Rep. He told me I had to pay an additional {$150.00} that was still on the balance to close the card. I did so online XXXX/XXXX/2016. My bank statement shows capital one withdrew the money on XXXX/XXXX/2016. The Rep said all would be good. 
Today I recieved an email from Capital One saying I need to make a payment on the card for {$68.00}. Please help me with this company.
Consumer complaint received 2016-05-11
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (CA)

I paid off my XXXX XXXX XXXX and cancelled my account in XXXX XXXX. In XXXX XXXX I received a letter from them referencing a credit refund check for {$220.00} sayting the check has been paid. Beginning in XXXX and every month since I have received a statement from XXXX saying that I owe increasing amounts of money ( apparently they are adding fees ). I contacted them but was referred to XXXX XXXX in XXXX, Arizona. At first someone there said they would get back to me. They ordered all of my charges for a year. No where did it appear theyre were unpaid charges ( this came in XXXX very heavy packages ) Then in XXXX I spoke to someone name XXXX who said he was filing an inquiry as well. ( I have his details if you need them ). Then in XXXX I received another statement from XXXX XXXX saying I owe {$370.00} but that nothing is due, and a note saying that there is a billing inquiry in process. The next day I received a check from XXXX XXXX for {$370.00} with a memo saying crdit balance refund. So naturally I thought there had been a mistake and they actually owed me the money. Now today I received a statement from XXXX XXXX saying I owe them {$740.00}. I called XXXX at XXXX XXXX. They can not help me because the " inquiry is still in process ''. XXXX XXXX will not talk to me because they say my account is in " Collections ''. What do I do now. Please help.
Consumer complaint received 2016-12-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (MA)

Our household came under financial duress from a business failure temporarily keeping us from making mortgage payments with PHH Mortgage. We re-established income, completed the offered forbearance plan, and immediately applied for loan modification in order to get a reasonable payment. Since XXXX, PHH has intentionally blocked our application for ( 9 months ) through repeated use of bogus rejection reasons. They have now issued a Notice of Default through a lawyer, in an attempt to force us into selling our home. 
Research shows our case is not isolated. We need relief to prevent PHH from forcing us out of our home.
Consumer complaint received 2016-06-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: John C. Heath, Attorney at Law, PLLC (OH)

XXXX XXXX 2015 i recieved a letter from XXXX stating that they have cancelled the following account 's from their active collection files and we 're removing the accounts if they were listed on my credit file. The client name is XXXX XXXX. The account # is XXXX. Date of service XXXX. Balance is {$2000.00}. At the time i recieved this letter from XXXX i was paying a law firm by the name of lexington Law to help me rebuild my credit XXXX items had been removed from my credit and when i got the letter in my mind lexington law had handled this for me so i kept the letter in my personal files until now. I cakked XXXX XXXX last week to get electric services in my name at my apartment i was told by them XXXX that i was showing an outstanding balace if {$2000.00} i wad provided with the number to indentity.gov. i thought XXXX had given me the wrong number so i called the number on the letter fron XXXX when i spoke to seversl of their customer service reps i was informed that they had no record of anything regarding me and removal of my account from their active collection nor removing any amount if mobey from my credit file. After speaking with the customer service rep from indentity theft.gov they provided me with consumer finance.gov and i was directed to file a claim.
Consumer complaint received 2016-06-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Progressive Financial Services, Inc. (CA)

On XXXX/XXXX/16 XXXX reported XXXX accounts from XXXX XXXX which in which XXXX XXXX was the original creditor ... .I disputed the account because I never lived in XXXX XXXX so XXXX DELETED the accounts On XXXX/XXXX/2016 XXXX repoted the same accounts under a different debt buyer. Progressive financial services. I was not notified of the accounts. This is re-aging an account. XXXX an Progressive have not validated the account according to the FCRA
Consumer complaint received 2016-06-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

On XXXX/XXXX/2016 I called my loan servicer ( SLS ) to advise them that I would be sending a {$5000.00} payment to be applied towards principal as my regular payment of {$2300.00} would be paid via ACH from my checking account on XXXX/XXXX/2016. I sent the principal payment on XXXX/XXXX/2016 via XXXX XXXX XXXX, which was received by SLS on XXXX/XXXX/2016. I logged in to their website on XXXX/XXXX/2016 and noticed that the {$5000.00} was not applied to principal but rather posted towards future interest payments. I called on XXXX/XXXX/2016 to have this fixed. I was told it would take one day to fix. On XXXX/XXXX/2016 I noticed that this was still not fixed and I called again. I spoke to an agent and asked to speak to Executive complaints. I was transferred to XXXX. He reviewed all the information and claimed that this would be fixed by Monday XXXX/XXXX/16. I checked again this morning, and this still has not been fixed. I called again and was immediately transferred to XXXX in Executive services and he informs me that this would be fixed by XXXX/XXXX/2016. I mentioned to XXXX that this is fraudulent for SLS to post my {$5000.00} to future interest as I called prior to sending the funds an advised them to post this as a principal paydown. I also feel this is fraudulent as any responsible bank would apply these funds to the regular payment and the excess to principal which SLS also did not do. Upon researching SLS, they seem to have an extensive history of misapplying funds and also not having adequate follow-up on issues. I wish for CFPB to investigate this matter and to also look into SLS accounting methods as they are not in the consumer 's best interest. I work XXXX and as such I am very familiar with lending and resolution practices. It is clear to me that SLS is not a mortgage servicer that is compliant with running an ethical business.
Consumer complaint received 2016-07-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (GA)

I have opened a XXXX checking account in XXXX 2016 with a promotional code XXXX offering XXXX XXXX XXXX miles when meeting {$1000.00} debit card purchase and process at least XXXX bill payment for two consecutive months. I confirmed when opening an account with a representative from Citibank that the promotion was linked to my account and completion of the requirements would make me eligible for the promotion. I met the requirements in XXXX/XXXX/2016, as confirmed via secure message with a Citi representative and was advised miles would be posted. On XXXX/XXXX/16, I have submitted another message to open an investigation to follow up on when XXXX XXXX miles would be posted. I was told that the investigation would take XXXX to 3 business days. It has been more than 7 days and I have yet to hear any response back. I have searched online and found out that there were numerous cases within Citibank not honoring XXXX XXXX miles bonus with opening XXXX checking account. I am being charged $ XXXX/monthly fee in my account and is about to pay another month of fee without any response from Citibank. I do not appreciate their continued to ignore this issue and refusal to award me the points I have earned, all while still charging me a fee for maintaining their XXXX checking account.
Consumer complaint received 2017-01-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION (TX)

I have 2 issues with BBVA Compass Bank. 1 ) They failed to pay my homeowners insurance in a timely matter. Insurance was due XX/XX/XXXX and not paid until XX/XX/XXXX.We advised BBVA Compass the first payment was not received. Upon receipt of the copy, they did not include any identifying information. After 3 weeks of dispute, BBVA Compass finally issued a 2nd payment on XX/XX/XXXX. We were being held responsible for the 2nd payment. 2 ) After being told not to worry about a hit on my credit if the XXXX payment was received on XX/XX/XXXX, I took a hit on my credit. My wife and I were told as long as we closed by XX/XX/XXXX, XXXX Mortgage could not mark our credit. We were told we had 45-60 days to get the payment to them without penalty. XXXX gave me this information. XXXX Mortgage did mark our credit as a late payment for both XXXX and XXXX. I called XXXX Mortgage on XX/XX/XXXX with no response. After making attempts through the credit bureaus, as instructed by BBVA Compass - XXXX - and being denied, we again went to BBVA Compass and requested a letter after finally hearing from XXXX of XXXX Mortgage on XX/XX/XXXX. XXXX now does not recall saying anything about closing by XX/XX/XXXX but does admit that we were told XXXX Mortgage could not, by law, mark our credit for 45-60 days. He " recalls '' that another coworker, XXXX, told us this. Totally untrue. It was 100 % XXXX that told us both pieces of information. We requested a letter XX/XX/XXXX from BBVA Compass via XXXX. Indications were it would not be an issue. We received the letter on XX/XX/XXXX. In the letter, BBVA Compass put the blame back on us in the letter. We sent the letter to XXXX of XXXX Mortgage to see if the late payment would be removed. On XX/XX/XXXX, XXXX Mortgage denied making changes due to the information in the letter from BBVA Compass. A change to the letter was denied by XX/XX/XXXX and they have not given reason as to why. Information provided by XX/XX/XXXX was, as we have now been told by BBVA Compass, was incorrect. We acted on that information. BBVA Compass is now denying that information was given to us even though it was admitted that we were told XXXX Mortgage could not mark our credit. WE WANT THIS REMOVED FROM OUR CREDIT!! We have no other late payments. We create a bill, we pay our bill. BBVA Compass has a responsibility due to misleading practices and negligent supervision for XXXX. I have requested contact from the CEO as well. We are going on 10 days with no response.
Consumer complaint received 2017-01-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (TX)

On XX/XX/XXXX, a collections account from " Wakefield & Associates '' was added to my credit reports ( XXXX, XXXX, & XXXX ). I did not recognize this accounts and immediately contacted the collector. I was told on XXXX occasions that I owed a collective balance of {$5000.00} to a hospital in XXXX. I was not provided with any information to verify the debt besides a hospital name as the Creditor. I contacted the hospital and it was confirmed that I do not have a balance with the hospital. I contacted Wakefield again with a telephone no. for the hospital to verify this and the agent refused to assist in verifying the absence of the debt they claim I owe. I asked for specifics on the debt ( it was stated that they are trying to collect on XXXX visits to the hospital ). I was told they could not disclose the information on the specific accounts, only the amounts - no dates of service, etc. I have never received any written communications in regard to the alleged debt, although I did provide my current mailing address. I have verified with my insurance co. and the hospital that there is no balance owed. The collector refuses to provide an account number or proof of debt. The original creditor states there is no existing debt, that it was paid by my insurance company at the time of service.
Consumer complaint received 2016-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Real Time Group, Inc. (CA)

Real Time Resolutions is reporting to the credit reporting agencies on a previously settled/paid debt with a different collection agency. Real Time Resolutions ( RTR ) is claiming to have an installment loan I previously had with XXXX. This installment loan was previously sold to a different collection agency ; XXXX. Real Time resolutions is claiming to have said loan when the loan they are claiming to have was already collected and settled between XXXX and me. I settled with and completed payment in XXXX XXXX. A settlement was negotiated with XXXX in XXXX by XXXX and myself.. the first XXXX payments were made as follows by XXXX with the remaining made directly to them by me as the was a disconnect between the agencies. The total settlement changed from {$2000.00} to {$22000.00} due to the mix up in payments. 

XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$1000.00} XXXX/XXXX/XXXX {$500.00} XXXX/XXXX/XXXX {$450.00} I received a settlement agreement letter from XXXX dated XXXX/XXXX/XXXX for a total settlement of {$2200.00}. RTR has no right claiming or reporting that I owe them, I have paid this debt and will not pay again on an invalid claim.