davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Re : loan modification application with Select Portfolio Services inc/loan # XXXX and XXXX XXXX/XXXX fl XXXX.After four monthes we have not received a final decision on our modification loan apllication.We have a court date scheduled for XX/XX/XXXX.SPS continues to contact us for the same clarification/documentation info ..over and over again, pushing back the underwriting process .We are running out of time and options.It seems that they have no time table or agenda to get this done.We are desperate to stay in our house.It should also be mentioned that they did approve us for a loan modification XX/XX/XXXX/but communication was lost from the transfer of our loan from XXXX to SPS and we were.. not aware that the loan had been approved. we never rec, d the contract /nor did our attorney.Since we missed the trial period we had to re-apply .The process has been request after request for the same information over and over again.You never talk to the same rep twice. 
if you can help expedite this process we be very appreciative .We want to stay in our house ; but ca n't get them to come to a decision/thanks XXXX XXXX
Consumer complaint received 2015-11-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC. (OR)

Someone in Illinos is using my social secuirty number. I sent a questioner to AT & T and they then sent it to a collection agency, they told me to report it to my local police department and send them the file number, which I did. That collection company has now sold it to another company and I answed in a letter to them what had transpiard and that they should not contact me again!! which they have. I call and tried to explain that they had bought a bad account he responed he would see me in court!! What do I do about this harrassement?
Consumer complaint received 2016-02-13
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (MI)

American Express closed my account with approx {$7200.00} due immediately. I agree that I owe the money.I 've become XXXX 2 years ago. My only source of income is my social security every month.XXXX XXXX XXXX of Amex calls every 2 weeks since XXXX 2015 and hustles me out of {$50.00} every time. XXXX repeatedly threatens me that she will send this to an " outside agency '' if I do n't pay up. I 've explained to her I have a social secuity back pay award coming in the next 60-90 days but she will not accept that as a guarantee of payment. I 've offered to fax my documents from SS but she still insists she ca n't accept documents as proof of payment. XXXX XXXX has gone as far to suggested I sell my house, beg family and friends for loans. I fell threatened by XXXX calls and threats of going to an " outside agency '' Again I agree I do owe the money however I ca n't see how Amex with be damaged by waiting 30-60 days more to get the entire amount owed.
Consumer complaint received 2015-11-07
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (FL)

I have a Citibank Checking/Savings account. On XXXX/XXXX/15, I deposited a check which subsequently bounced. I was charged XXXX dollars due to the checking account that was providing the source of funds having insufficient funds. I believe that this unfair and fraudulent ; since, I am unaware of whether the check I received will clear or not. Being the recipient, I should not be held responsible for the failure of another person 's mistake.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. I a victim of a severe form of trafficking in persons under 22 U.S.C. {$7100.00} ( 11 ) or trafficking under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142.
Consumer complaint received 2015-11-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MI)

Carrington MS took over my loan from XXXX bank. I had some financial issues with business and got behind in my mortgage. When I tried to make house payment they refused to take it, said I had to have XXXX payments. Next week I had XXXX payments and they refused them and said I had to have XXXX payments. This went on and on until I got help from XXXX, got caught up and this whole time I was trying to get a modification using HARP program. While this is going on my health was getting worse from the stresses they caused. I have XXXX and stress is very bad for my illness. After trying to get XXXX modification done with them, they turned me down XXXX. Started a XXXX with a agency here in Michigan, by now my health is getting real bad, I had to file for XXXX. 

I was forced to quit working because I was unable to keep up with the demands of XXXX that I owned. Sold it and paid off a couple bills. Found a local job and was fired because I was sick. Then next week social security approved me for XXXX. I have had XXXX for thirty years and always had been able to work as long as I got rest and kept my stress level down. 

When Carrington MS would n't give me a HARP modification so I could keep my house so I would n't lose all of my investment was devastating to me. Today was suppose to be a sheriff sale and they pulled it from the docket. So they are still causing XXXX situation to me. I offered them XXXX in XXXX 2015 and today it was being offered for XXXX. When my attorney made the offer they never even responded to him. That 's when I had to file bankruptcy. 

When I was trying to get the modification done they told me to call USDA rural development, Carrington claimed it was USDA was turning it down, USDA said they only guarantee the loan through XXXX bank and for me to call them. I called XXXX bank. They said they did n't have anything to do with the loan, I had to call Carrington. Called Carrington again and was told they did n't know anything and did n't even know who I should talk to but would get back to me when they figured it out. Never did call me back. I am still on the title of the property. No one seems to know who owns my house now. My real estate agent ca n't get any answers either. The fair market value is under {$30000.00}, I bought it just before the bubble in real estate collapsed.
Consumer complaint received 2015-12-23
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (AL)

I called Honda XXXX on XXXX, spoke with a lady named XXXX, requested the full payoff amount for my lease/loan. I was given the same amount that appears on my online statement. I paid {$22000.00} in full immediately following the call checked on XXXX and the assessed XXXX in tax fees. When you call for a payoff that is the amount you owe, should be nothing more. This is unbelievable practices by Honda. From my understanding taxes are included in the lease payment, so where did this come from and how can these dealerships/finance companies continue to do this to the consumer. Secondly, we moved from XXXX to XXXX XXXX and Honda changed our car payment ( increased it due to taxes ) without any notice to us, just took the money out of our account. Same happened again when we moved to XXXX, fortunately the amount was lower this time, but still no written notice of any kind. Something has to be done about taking advantage of the consumer.
Consumer complaint received 2024-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from my credit report.
Consumer complaint received 2015-12-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NC)

Medical claim that was considered at a in-network benefit and XXXX XXXX XXXX XXXX XXXX XXXX processed as a out-of-network benefit. Insurance advised not to pay the difference of XXXX and a dispute letter and appeal claim was opened on XXXX/XXXX/15. Because the charged amount was not in allowance and was billed at 780 % over XXXX allowance an insurance fraud review was opened. XXXX XXXX XXXX XXXX XXXX XXXX was advised to accept previous payment of myself and insurance. No additional bills were sent, and insurance company nor myself received an appeals response from XXXX XXXX XXXX XXXX until this collector letter was received by myself on XX/XX/2015.
Consumer complaint received 2015-12-22
Product: Prepaid card — Gift or merchant card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (CA)

Received a prepaid card and was unable to use it. The funds expired and American Express will not re-issue the card or provide me the funds. 

In their minds it is a rewards card, but that seems like a way to simply skirt the CARD act and not follow it, and look after the consumer.
Consumer complaint received 2015-11-08
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK (CA)

After being personally frustrated attempting to resolve an account hacking that likely occurred at a result of Scottrade 's recent data breach, I can honestly say I felt a strong desire to warn others about Scottrade 's behavior. 

If you are unaware, Scottrade requires you to sign an " Arbitration Agreement '' and prohibits you or Scottrade from using a court and jury to settle disputes. Instead, you are required to file Arbitration. 

In my situation, after my account was hacked and hundreds of thousands of fraudulent trades took place, I took all of the steps as outlined by Scottrade requests. I even got XXXX different police reports, multiple notarizations, etc, however, Scottrade stated that they will not refund money as a result of account hacks. 

I asked Scottrade how I could utilize the dispute resolution process with Arbitration because Scottrade does not include details of the arbitration forum or how to initiate Arbitration and instead responds with boilerplate letters that the issue should be resolved in the appropriate forum. 

I had previously asked Scottrade for a copy of the arbitration agreement and they refuse to respond. 

It seems to me that Scottrate unscrupulously, requires customers to sign an arbitration agreement but does not provide details on how to initiate a dispute via arbitration, effectively shielding themselves from all potential disputes and firmly stripping the rights of customers away. 

I can not put this more simply, if there is any dispute with Scottrade, they will provide a lacking and unhelpful response ( to please regulators who count papers ) and then direct you to Arbitration while simultaneously refusing to provide any details about the Arbitration. 

Perhaps unsurprisingly, Scottrade has engineered almost 100 % protection from any liability as a result of their wrongdoing. 

Do not do business with Scottrade.
Consumer complaint received 2016-01-29
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

On XXXX XXXX XXXX my loan was switched from XXXX bank to SPS servicing. They are Debt collectors not a Mortage co. With several calls being made every month It took until XXXX XXXX to finally get the payments applied correctly. They got it rite for while then XX/XX/XXXX it started again payments being misapplied or held in a " unapplied balance " line till the next month. I called this weekend when I saw the mistake and left a message and they did n't get back to me until wed afternoon. Again they are being corrected but each time this happens I lose the time and interest from when it was received by them and then applied days or weeks later. I ca n't figure out how to calculate that and what I 'm losing but what I 'm really worried about is if they ca n't do normal banking without incident are they calculating my Mortage correctly? I make extra payments every month in an effort to pay it off quickly so I can retire but wondering if I 'm being cheated. Whether deliberately or by mistake I 'm still the one on the losing end.
Consumer complaint received 2015-12-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

Chase/jp mortgage keeps telling my wife and i that we never payed our mortgage in XX/XX/XXXX. We have twice proven otherwise, we faxed in our complete Chase bank statement showing the electronic payment for the mortgage we included 2 months prior and about 6 months after the claimed missed payment. The statements clearly show the payment leaving our account and no other moneys being returned we have also confirmed with chase bank that we did not receive any moneys from Chase/JP. 

After both times we faxed in proof we payed they say they will look into it, never get back to us and begin calling saying we owe them a XX/XX/XXXX payment and they have no record of us trying to resolve this. 

There are other problems that have occurred because of this so called missed payment. 
in XX/XX/XXXX they closed our online account and would not allow us to make payments until the XX/XX/XXXX payment was settled while charging us late fees for XX/XX/XXXX and XX/XX/XXXX. 

We only found out about this " missed '' XX/XX/XXXX payment in XX/XX/XXXX because the loan matured and caused a conflict in Chase/jp 's computer system. They had supposedly been calling us and sending certified letters which my wife nor i had never received a call or letter. 

Every time we call it is near impossible to get answers to questions because depending on the question you get transferred back and forth between departments and have to tell the whole story. 
The final issue is they signed us up for mortgage assistance which neither my wife or i signed up for. When we asked for who and when the assistance was signed up they had no record. We did not ever need assistance.
Consumer complaint received 2015-07-15
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Northwestern Mediation Services (TX)

I am not familiar with this company. They have called other people in my family to try to communicate with me. They have also left voice mail messages with those family members informing them that I will be served papers and to let me know. I believe that it is illegal and harming to me and my family to leave voicemails for me on other people 's phones. If the matter is for me, no one else should know my business unless I share it with them myself.
Consumer complaint received 2015-09-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ability Recovery Services, LLC (NH)

Ability Recovery Services is reporting a collection account in violation of FDCPA. 
I have never received a notice from this collection agency. By law, I should have been granted 30 days to dispute the debt. I became aware of this account as I checked my credit report. I am requesting this collection agency to provide proof that I have received their letters or any other communication that they may be falsely claiming to have mailed to me. The reason I emphasize this matter is because I lived XXXX for a very long time and I have recently relocated back to the States. I know for a fact that I did not have the opportunity to dispute. 
2- I am requesting a valid/legit proof of debt written contract or agreement. 
Please note that this agency has not listed a phone number on the credit report and has only listed the following address : XXXX pa XXXX
Consumer complaint received 2015-07-16
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IL)

In XXXX, XXXX, XXXX sold my HELOC to Green Tree. Starting in XXXX, XXXX, I have had nothing but trouble with them. First, they told me I 'd missed the first payment and that I had a balance from XXXX that was sent over with my account. A manager at XXXX ( I wish I could remember his name ) had me on the phone while he tried to call management at XXXX XXXX to tell them that, in fact, I did not have a balance. All XXXX times, he got voicemail, all XXXX messages went unanswered. 

Over the years, GT has said I am in arrears, they have charged me a small fortune in late fees, that I do NOT owe, charged me for some Corporate fee they say was sent over from XXXX. XXXX reversed that charge in XXXX. 

About a month ago I get a veiled threat on my monthly statement that if I do n't pay up, they can exercise their right and seize my property ... over less than {$700.00} that I do not owe! 

A few weeks ago I called, again, to dispute these charges. I spoke with XXXX in the collections department. I kept insisting I do not owe this money. At THAT time, I told her I pay, and have paid, this account in the same fashion, on the same date, since its inception. She stated that I was fine until XXXX XXXX. When I asked what happened in XXXX of XXXX, she could n't tell me! 

When I called again a couple of weeks ago, I spoke with her, again. She stated that I missed the XXXX XXXX payment and made a double payment in XXXX. She stated I also missed XXXX XXXX payment but did n't catch up. I have my Bill Pay records to prove differently. All payments have been made, on time, to Green Tree. All the while they have been telling me, and charging me, I am a month in arrears. 

Today I sent certified letters to both of their locations in XXXX and XXXX. I enclosed copies of my Bill Pay records and the statement from XXXX that the {$40.00} fee had been reversed. I told them I expect a corrected statement of my account within 10 business days of receipt of my letter. 

I do not have great faith these sleazy crooks are going to back off any time soon. I did some further research and found that you, and the XXXX, took them to task and in XXXX of this year, they were fined and guidelines they are to follow, laid out. 

I am here to tell you, they are still practicing their dishonest protocol and I am reaching out to you for support.
Consumer complaint received 2016-01-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (DE)

I have been making extra mortgage payment to HSBC Mortgage, they have been splitting the payment and applying it to future months. IE : payment due XXXX, sent XXXX and they take out two months of escrow, and apply bulk of the principle to XXXX 2016, cheating me out of my interest savings.
Consumer complaint received 2015-07-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Early Warning Services, LLC (NY)

I am complaining against Early Warning because they are denying me my FCRA Right to block fraudulent information that is reporting on my early warning file. I went to open up a checking account and was denied because of information that is reporting on my early warning file. The fraudulent information is being reported by XXXX, XXXX XXXX XXXX, and XXXX XXXX. I have never had any type of banking relationship with these institutions. I filed a police report with the XXXX County Sheriffs office and listed these accounts on the police report. I filed a complaint with the CFPB and attached a copy of the report and got a response from a XXXX XXXX. He requested for me to fill out their identity form which I did and returned to him by email. I contacted today their customer service number because today is the fourth business day in which they have to block the fraudulent information per my police report. They are denying me my right and telling me that the information is sticking to my file. I explained to them how could this be legal and they are telling me that is what is going to be and I can file a rebuttal. This can be considered a rebuttal through the CFPB portal. This is not legal and I need this matter resolved as soon as possible.
Consumer complaint received 2015-09-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc. (MS)

I want it to be noted that I dispute any responsibility for this debt, and I do not owe this. The fluctuating statements, as well verification that does not match up with amount owed show the inconsistencies associated with this account. 

The debt was previously with XXXX., and discharged after they sent me verification that did not match up with the amount owed. I received notice from them that they will not pursue this debt any longer. That is when it ended up with FCSI, Inc. 

I have been having to deal with a debt that I have disputed. It keeps going to new collection agencies once a previous collection agency has stopped dealing with it after verification fails. I recently documents that supposedly verify the debt with FCSI, however, not a single XXXX of the statements even matches the amount which Franklin is attempting to collect from me. 

Franklin says the debt of {$190.00} was incurred XXXX/XXXX/15, as evidenced by the letter I included, but both statements from around that date both show different amounts that do not match this. 

I have included the XXXX statements for XXXX XXXX, 2015 and XXXX XXXX, 2015, which are the closest to the date I am alleged to have accrued the balance of {$190.00}. I have also included XXXX later statements from XXXX XXXX, 2015 and XXXX XXXX, 2015, which illustrate the way this debt has fluctuated by incredulous amounts. If this debt was valid, it does not make sense how the amounts could constantly change, and also not match the amounts which the debt collection agency has attempted to collect. I dispute this debt, as I have with previous collection agencies.
Consumer complaint received 2015-07-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Pinnacle Credit Services, LLC (OH)

i receive a minimum of XXXX calls a day, everyday! They start at XXXX and end at XXXX. It is an automated call that is picked up by a barely and nearly impossible to understand representative. This initial person simply connects the call and verifies they have reached me. I am then put on hold when an XXXX speaking person comes on and immediately says we need to verify your identity, '' what is your social security number, birthdate & current home address ''! There is no way I am going to give that info to anyone ... especially someone who called me.
Consumer complaint received 2016-03-13
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (FL)

Target Redcard is reporting false credit information to the following Credit Bureaus : XXXX, XXXX and XXXX. 
I filed Chapter XXXX Bankruptcy on XXXX XXXX, 2016 : Case # XXXX Target Redcard reported that I was 30 days past due as they did not get my payment for XX/XX/2016. 
I have XXXX accounts with Target RedCard. 
They reported past due Since my Chapter XXXX Bankruptcy on XXXX XXXX, 2016 I was not obligated for future payments and the XX/XX/2016 payments were not due and they reported past due.