davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (FL)

I got an assignment from Mystery Shopper on XXXX/XXXX/14 via XXXX with XXXX money orders for {$960.00} each from Mystery Shopper to carry out some assignments and report to them how courteous the Employees were while I was carrying out the assignment. I was not aware that there were fake moneyorders and Mystery Shopping assignment was a scam or I would never had cashed these checks and so I felt like Chase Bank did n't protect me from being scammed because I never had {$1900.00} in my account and I ca n't believe that Chase is not aware of fake moneyorder and also they did n't use the 3 day waiting period that was put in place to protect unsuspecting customers like me who are clueless. If the teller had waited before giving me all the cash against my account these fake money orders would have been identified and my account would not have been placed in overdraft for the amount of {$1900.00}. Rules and Regulations are put in place to protect customers and I am disappointed in Chase for not investing in and also teaching its tellers how to identify fake moneyorder and not to cash it against customers account and them charge me all these fees every month and expect me to be paying them for not protecting me from being scammed by waiting 3 business days before cashing large amounts of money and then blaming me for this debacle and destroying my credit, when this should be placed squarely on Chase lack of following banking rules that were put in place for a reason to protect customers from this same nightmare it has being going on for too long and has destroyed my credit score. I have written XXXX letters to the bank seeking a resolution but they are saying I 'm at fault I cashed fake moneyorder and I think Chase did n't protect me from being scammed by not investing in training the tellers who should be aware and ahead of scammers and not allow them to destroy people 's finances. I 'm distraught this is going on for 10 months now. I filed a complaint with the police they took the XXXX the copies of Fake Moneyorder and all information, the bank promise that FBI would be involved I would like to know if the bank was not aware of Mystery Dhopper scam like me.
Consumer complaint received 2015-09-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

My story started when Bank Of America bought our loan! We bought the house in XXXX XXXX my wife & me at the time XXXX & I thought that we also has insurance on each other in case XXXX passed away, which I will get to later. I got hurt while moving into the house pretty bad. XXXX I worked with these injury 's for a few years in XXXX of XXXX I could no longer working XXXX to make it thru the day. My wife decided that she did n't want to stay so she left & filed for divorce while i was going thru all this. 
I had to XXXX & lost my job to weeks after XXXX. I knew I could n't go back to work so I filed XXXX which I received. since XXXX of XXXX I had been asking help from Bank Of America which they said they would told me to send in a collection of paper work to get the loan modification going which I did over & over again they kept losing my paper work or saying they did n't receive it. this went on till I went up town to the XXXX for help then it still took them for ever to get a loan mod. & XXXX dollars added to my loan from them playing these games. It get better so after all that I met a lady that moved in with me that help me get the loan mod. everything was going fine till XX/XX/XXXX XXXX. So XXXX family comes first we had to help support him & is family while he was recovering. I was n't happy with the loan mod. but they had me over a barrel! I get my XXXX check on the third week ok every month. They made me pay XXXX house payments at closing which put me behind 1 month & late every month. That 's how my second go around with the XXXX. 
started stuck behind the XXXX ball, so when her XXXX we fell behind further. 
I called them an asked if I could get help & they said sure maybe we can get them to let you make extra funds on top of the monthly payment. All I had to do was to summit a pack of papers again that when the games started all over again & the fee 's! I sent this papers over & over & over! I was told by XXXX person that they was all there that it under review & the next would tell me that I was missing things that the last person was reading to me & my handler slipped up & told me it was her job to lose my paper work & play these games! Now they are fast tracking foreclosure on my home! I have some of the paper cover sheets from the faxes that I kept sending. This is the only thing I have left of my hard work before I got hurt. I thing someone should hold them accountable for how wrong they are treating who knows how many people stuck in my situation! By the way my girlfriend has more to lose now that she is my wife since XX/XX/XXXX My ex-wife that was on the original loan has passed away XXXX on XXXX XXXX, XXXX god rest her soul. All I can ask is please help I have been done wrong by these bankers, but I am not without fault. We are just trying to survive & want to keep are house! please! Thank You for listening.
Consumer complaint received 2015-09-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Municipal Collections of America Inc. (OH)

I keep getting calls from this number XXXX asking for XXXX XXXX. There is usually a real agent on the phone and i have told them on at leas XXXX occasions to take me off their call list because this is my work cell phone. I continue to get these calls without fail everyday at XXXX. 
I have also received automated collection calls from other numbers from different area codes for this person ( at different times in the day ) which mention that this person ( XXXX ) is being collected on for unpaid debt. For some reason they have my work cell.
Consumer complaint received 2015-09-29
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

I verbally requested cease of communication via phone and was told it had to be in writing. I mailed a letter to Portfolio Recovery on XXXX/XXXX/15 requesting a cease of communication and they have continued to call my cell phone. It has limited minutes and is for emergencies.
Consumer complaint received 2015-12-02
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: CURO Intermediate Holdings (CA)

I applied for a small short-term loan via Speedy Cash in California. In CA, I know there is a law that as a state citizen, I am entitled to a short term loan via a loan provider regardless of my credit score ( XXXX ). But as I keep getting pre-approved from Speedy Cash, they keep denying me and keep putting dents in my credit report.
Consumer complaint received 2015-04-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (TX)

THIS JUNK BE CRAY. I CANT STAND THAT THEY CALLING ME ALL THE TIME THE THE ACCOUNT AINT MINE. SO I SENT A CEASE AND DESIST THINKIN THAT WOULD HELP BUT IT DIDNT SOOS I SENT THEM ANOTHER. NOW THAT AINT WORKIN
Consumer complaint received 2015-09-29
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

Ditech ( formerly Greentree Servicing ) holds the second mortgage on my home. I have never missed a payment, nor been late on a payment in 8 years. Recently with the acquisition/merger, the ability to view the account ledger to show the activity and payment processing has been made available. In this balance sheet, it was noted that the payment was not being properly applied on the date of payment. The payment is still processed manually with a paper payment sheet, paid by check and sent by USPS first class mail monthly. The payment stub XXXX spaces for the customer to complete : Total Enclosed Dollar Amount, and Extra Amount to Principal. With each payment made, an additional amount toward the principal is always sent ( even though the mortgage is an interest only loan ). The appropriate amount ( overage ) is entered into the 'Extra Amount to Principal ' box with each payment, and is calculated by using the Total Payment Due subtracted from the total amount enclosed, where the payment amount due is the interest amount due for the monthly payment. Dating back to at least the XXXX quarter XX/XX/XXXX, the misappropriation of funds has been occurring resulting in turn having to expend considerable time each month calling the mortgage servicing company, to have the statements corrected. This was XXXX noticed though, only in XX/XX/XXXX, during that time the misappropriation of funds during XXXX quarters summed approximately {$2500.00} dollars above and beyond the required total payment due ( which all should have been applied properly to the Principal amount outstanding on the mortgage ). At times a delay of up to 72 days forward accrual can be seen on the accounting register ( meaning that a payment of principal in the amount of {$250.00} with a transaction date of XXXX will show an effective date of XXXX ). With an Actuarial type interest rate of 9.5 % the cost overrun which I am overcharged, just for this XXXX occurrence averages approximately {$3.00} per month, that the non-applied principal monies remain in flux. In essence, an over-payment in the amount of no less than {$27.00} has been made in the favor of the servicing company, which is unaccounted for funds.
Consumer complaint received 2015-09-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

My complaint is with : Select Portfolio Servicing XXXX Inc. ( aka SPS ). I have attempted, over the last 4 years, to get a " Loan Modification '' with this servicing company. I first started this process with XXXX Bank on XXXX XXXX. It was as though, once I had been approved for a loan modification, the loan got sold off to a different investor and I had to start the process all over again! I am 4 years behind in this mortgage. This property is in XXXX XXXX and is " Under Water ''. There have been XXXX written apprasals on this property over the past 2 years, ordered by SPS. The range has been between {$75000.00} and {$92000.00}. I asked for a principle loan reduction. I was lead to believe that they would consider it once I made XXXX payments of {$930.00}. I made these XXXX payments on time from XXXX XXXX thru XXXX XXXX. The loan modification was approved with no principle reduction and all of the accruded principle, interest and fees were wrapped up in the new loan with a modist reduction in the interest rate and monthly payment. This home is not my primary residence. It is a rental property. SPS has a program for rental properties. Due to the extended amount of time and personal expense that I have gone through over the last 4 years, I am in need of that principle reduction. I feel as though I have been wronged and manipulated by this servicer. Please see what you can do to help me with this situation. Thank-you.
Consumer complaint received 2015-09-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I file for Chapter XXXX Bankruptcy protection, and requested the federal court to issued a Temporary Restraining Order against SPS the mortgage servicer to prevent the sale of my XXXX House, on XXXX XXXX, 2015 the court Grand me a Temporary restraining Order against SPS ( Copy Attached ) but the following attorney for the SPS, XXXX XXXX, requested a sale of the property that at the same time we were working in a mortgage modification ( Dual Tracking )., at the same time I was communicating with the case manager XXXX XXXX XXXX continue to tell me that the SPS will stop the sale as long I provide all documentation witch I did. they request the sale to be schedule by XXXX XXXX, 2015, and the day of the sale the Judge denied the motion to cancel the sale but it was a clerical error so the sale it was schedule for XXXX XXXX, I contact the SPS Case manager XXXX and she told me that they will vacated the sale,. at the day of the hearing the SPS attorneys did not show so the Judge continuo with the sale., the property it was sold XXXX XXXX violating Federal Bankruptcy Rules and CFPB Rules like ( Dual Tracking )
Consumer complaint received 2015-09-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MA)

i financed a vehicle in XX/XX/XXXX it was totaled in a car accident the finance company put it as a collection charge off closed Derogatory XX/XX/XXXX the dealers insurance where i bought the vehicle was supposed to pay the gap payment that was left after my insurance company paid off the car and as it being put on my report as derogatory its the same as if it was repossesed and it wasnt it was paid now its ruining my credit score
Consumer complaint received 2015-09-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

I requested a loan modification from Ocwen Loan Servicing on our first mortgage, acct XXXX. Submitted all the required paperwork a minimum of XXXX separate times. 
On XXXX XXXX, 2015 we received a letter from Ocwen stating we were delinquent and in default. They stated beginning in XXXX 2015 through XXXX 2015 they did not receive payments each month of {$570.00}, and that we needed to pay {$1300.00} to bring the loan current. Against my better judgement, we sent them an overnight XXXX of {$1400.00} using our XXXX. I checked with Ocwen this morning, they received the payment. Anytime we have called their Customer Service we get nearly impossible to past impossible people with extremely foreign accents, and everyone of them claims they can not hear us - we have yell ... .I am attaching a copy of the letter we received, along with bank extracts showing our payments for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2015 ... ...
Consumer complaint received 2015-09-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I filed a dispute with transunion credit reporting agency of a judgement on my file docket # XXXX, i disputed the inaccurate information and wants the item deleted, on XXXX/XXXX/2015, transunion sent me investigation results stated that the item is verified, on XXXX/XXXX/2015, i contacted XXXX representative, their attorney XXXX, i spoke to a rep named XXXX XXXX, who indicated the case is settled and i do not owe this judgement, i want transunion to delete the inaccurate information it is reporting on my file which is causing me financial distress, i believe unverifiable and inaccurate information should not be put on a consumer 's credit report without due investigation and research of the account. im therefore demanding the appropriate action of deletion be done immediately
Consumer complaint received 2015-09-29
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Solutions To Portfolios, LLC (CA)

I have been receiving calls from STP processing for awhile now and they rarely leave messages. I have been injured and not able to properly communicate over the phone until recently. They call me a few times if not more each day. They have called my old employment and family even though they have my phone number that is still in full function. They have threatened a pending legal action and putting me in jail. They have not told me what the debt is or who they are associated with and I have never received anything in the mail from anyone about this matter.
Consumer complaint received 2015-12-02
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Flagstar Bank, N.A. (CA)

My loan originated with Flagstar bank in XX/XX/XXXX. As of XX/XX/XXXX my wife and I are in the final steps of refi of a conventional fixed mortgage with payout. We contacted Flagstar for a payoff quote Monday XXXX XXXX - which was never received. As of XXXX XXXX, they told us they have sold and transferred the loan to XXXX. We were never informed of the sale. XXXX has told us that it might take up to two weeks for the loan to populate in their system. Our lock-in expires on XXXX XXXX. No one at Flagstar is willing to help us with loan transfer process, or help to get us a payoff quote. No one at XXXX seems to have access to the information. WE NEED HELP! QUICKLY!
Consumer complaint received 2015-09-29
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY (CO)

On a recent visit to my local Wells Fargo branch -- where I only wished to have my PIN updated on my debit card -- I was " offered '' the opportunity to apply for their Wells Fargo XXXX XXXX card. Though I was n't particularly interested, the branch agent stressed how the XXXX card would offer a great chance for a " lot lower interest rate than your other cards '' which I had said averaged 13.6 %. Fine, I thought, and applied right there through the agent who was entering my application on his system. 

A few days after the application was made ( with a credit score of XXXX and a verifiable income of {$80000.00} ) my online banking Wells Fargo account added the following card to my account list:1. Wells Fargo Platinum ( not the XXXX card the agent said I was applying for ) 2. A credit limit of {$50000.00}. An interest rate of 22.5 %, following the 0 % interest 15-month grace period. 

In short, I was bait-and-switched by the branch agent on the product I was applying for ( no mention was EVER made that I was applying for or might be downgraded to a different product ) ; the likely amount on the credit limit ; and the interest rate ( that is nearly double any of my other cards ). 

After first contacting the agent ( a XXXX XXXX XXXX to voice my complaints, I was pushed up the ladder to an XXXX XXXX, the " Regional Banking District Manager, Vice PresidentXXXX Colorado - XXXX ''. XXXX assured me that he would look into the matter, and that he would be pushing the case further up the line. A few days later, I noticed that the account 's credit limit had been increased to {$14000.00}, but the account remained a Platinum card account with the 22 % + interest rate. Once again, this was offered to a long time Wells customer ( 20+ years ) with a XXXX credit score and verifiable income. 

I next received a call from Wells " Premium Card Services '' and was abruptly told by an agent named XXXX, " your card will remain a Platinum with 22 % interest rate, and no, there is no one else to discuss this with because how we have arrived at that decision is confidential ''. 

So that was it : bait-and-switched by Wells Fargo with no further explanation, and taking the hit on my credit report for making the application in the first place.
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (CA)

Someone had access to my Social Security number and used it to either open a line of credit or a fraudulent collection company trying to scam some money out of people. I have never opened an account with XXXX for the alleged cable/cellular service. Someone has my Social Security number and used it, and is trying to steal money. Im not exactly sure what is really going on here. This is on my credit report now and shows up as a collection account. So the name of this collection company is amsher collection services and the amount that they are alleging that I owe is precisely {$650.00}. I have never received a bill or statement an email or anything from XXXX or from this collection agency. I have already disputed this issue twice with the credit bureaus. This is definitely fraud.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Sequium Asset Solutions, LLC (LA)

Address ID : XXXX / Report number : XXXX Report Number : XXXX I requested that this account information be removed because it did not belong to me and it is having a negative impact on my credit report which is causing a financial hardship and I am seeking consumer protection from identity theft and misuse of information towards my personal credit reporting accounts with XXXX, XXXX and XXXX XXXX 
I have requested removal and demanded removal of this inaccurate information and I didn't receive an adequate response, result or update.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Kovo (TX)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (SC)

My goal has been set on completion of college has been placed on hold, and I'm only XXXX  classes away. Due to falling victim to XXXX XXXX XXXX while the pandemic was taking place they falsely reported to my credit on numerous occasions. I called to file complaints both with the company and the credit bureau and for them to provide proof that my account is current, but after proof was provided they still falsely reported to my credit report stating that I owed money while I was in school, even during the forbearance process when all loans was on hold. They impacted my life due to my credit scored dropping tremendously and for instance my credit cards limit were cut in half or more and I have to put my dream of completing college on hold due to there negligence.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I spoke to several different departments within XXXX XXXX XXXX department on XX/XX/XXXX regarding the unauthorized hard inquiry that placed on my Experian report on XX/XX/year>. They informed me that they contacted Experian on XX/XX/XXXX requesting that the inquiry be removed, the inquiry has not been removed and when I contacted XXXX today XX/XX/year> requesting written verification that they sent the request to Experian on XX/XX/XXXX to remove the inquiry, the rude representatives told me that they could not provide me with it. I have to wait 90 days.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Corp Solutions Inc. (MN)

Dispute was done but I never received anything from the creditor yet over a XXXX dollars of interest is on this too. 
It said on credit report that this " XXXX " settled it and charged off. Then this company said they bought it and it's owed.. 
I don't know who XXXX is.