davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-18
Product: Debt collection — Auto
Issue: False statements or representation — Impersonated an attorney or official
Company: Applied Business Services, Inc. (NJ)

XXXX XXXX uses criminal thuggish tactics in an attempt to collect payments because I fell behind in my car payments. Their tactics have caused me and my mother unreasonable harm. For example, last week on Monday XXXX XXXX, 2015, at XXXX XXXX, an agent of XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX Texas XXXX, repeatedly called my mother 's home. In Particular, one person who called, identified herself as XXXX XXXX, she pretended to be a law enforcement officer by stating that " she was with the investigation unit. '' She also disclosed that she was trying to reach me because they wanted me to turn in the car implying that it was a criminal violation to owe money on a car loan. That is bad, because it appears to be a violation of my consumer protection rights and a UDAAP. It is certainly an unfair practice that puts the bank and its depositors at risk because of possibility of claims and damage to their reputation - especially if XXXX XXXX takes interest. 
As I said, that was bad, but it was not as bad as it gets. Later that night or rather in the middle of the night at XXXX XXXX the next morning, another agent of XXXX XXXX, XXXX XXXX XXXX of XXXX PA, actually came to my mother 's house. He pounded on her door and woke her up in the middle of the night! 
Imagine this : she looks out the window and sees someone with a flashlight in her side yard and backyard - and then actually pounding on the door in the middle of the night. She opened the door to a man in a uniform with stripes on his pants who identified himself as from the " PA Investigative unit! '' saying he was looking for XXXX XXXX. She said " for what? '' he repeated the question and then said he was looking for XXXX 's Dodge Dart. My mother told him she was calling the local police. She then came back to the front door with her phone in her hand and asked for his name and rank, He handed her a paper and said " You are served!!! '' She was scared to death, he appeared to be armed, but as she said she was calling the police he quickly left. He tore down the street out of town and went back to XXXX, Pa where we believe that operation is located. My mother was confused and did not call the police. She then looked at the paper he gave her and then she read that It only said " Sorry I missed you. '' I have the paper for you to review. But their tactics made her believe it was a legal process. Again, what government agency allows people to pretend to be law enforcement and knock on peoples ' doors in the middle of the night? 
Finally, I tried to catch up on arrears because of this intimidation and then they told me that they would not take the back payments that I had to pay the balance in full plus additional charges for their thugs. My account with XXXX is XXXX.
Consumer complaint received 2016-03-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Academy Mortgage Corporation (UT)

We went to our mortgage loan officer that we have used for all of our loans and as we were talking to him about the loan he told us because we wanted to build with XXXX his company Academy Mortgage would make us use a different loan officer. That we could not use who we wanted but who they wanted us to use in their company. We feel that that is not right and that we should be able to use someone we trust.
Consumer complaint received 2015-12-28
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Franklin Credit Management Corporation (CA)

Hi, my name is XXXX XXXX ; i am a widow who semi-retired XXXX. I live in XXXX. The Franklin Credit Management bought out my second mortgage a few years ago when my house was upside down -- dropped almost half, and placed a lien on my property. I have been trying to settle this since then, but no avail. It is almost upsetting and frustrating how they kept on telling me to counter offer against their offer of {$31000.00} as a final settlement, but never mentioned about the expiration date, which was last XXXX XXXX. Had I known that there was an expiration date on their amount, I am 100 % certain I could have made better decision ~ different approach to make sure this burdensome ordeal would be finalized then. I had to retire from Post Office, so I did not have a regular income like before, so I was trying to see if I could lower the final settlement amount lower than {$31000.00} since I had to borrow this money. But to my disappointment and discouragement to the point of anger for their deceitful attitude -- never mentioning not even once, something like this before XXXX whenever I had called ; I called several times : 'Can you consider this offer would be expiring on XXXX? ' I have to wonder if they had to be this deceitful. Now I have to appeal this to see if I can settle this once for all, which has been my heart desire ; they just sent me 'Notice of Default and Intent to Accelerate ' letter to me. I had filed chapter XXXX in XX/XX/XXXX, so if someone could explain the top part of this notice ( if you want me to send you the entire pages, I need your email address ) page XXXX where it said, ''To the extent your obligation has been discharged or is subject to the automatic stay in a bankruptcy case, this notice is for informational purposes only and does not constitute a demand for payment or an attempt to collect a debt as your personal obligation ', I would greatly appreciate it since I am totally confused ; they said this debt was excused ; then, they would like to accelerate???. 
Would you pls do me a big favor to help me settle this with their initial amount for me since they dealt with this dishonesty? I have XXXX different licenses -- life and health, property and casualty, Series XXXX, series XXXX ; each ethic class I had taken for these licenses, they emphasized how important it wass to inform your customers with every important factors to help them make a better XXXX right financial decision. Their hiding this fact until after the fact seems to me pretty unethical almost like a criminal act ; consequently, I am appealing this to you to see if you can help. 

Thank you in advance for your help! THX! 
Have a good day/week! Happy XXXX XXXX! 

Sincerely, XXXX
Consumer complaint received 2015-11-11
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

male called said he was with my " credit card company '' capital one and asked for my credit card # which I gave him and also gave him the last XXXX numbers of my social security #. He somehow called the credit card company and found out as he told me that I owed {$200.00} on my card and that it was maxed out. So he checked the balance using my confidential information
Consumer complaint received 2015-12-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

During a divorce settlement I was awarded the home and part of the decree was to refinance in my name only. I began that process in XXXX XXXX. My bank is wells fargo/ASC. ( American servicing company ) I used a third party broker to manage the process for me and after several months I was approved for the HAMP program. XXXX of the requirements was that my ex wife sign a quit deed prior to closing. She would not, because she would give up rights to the house and still have the financial burden. 

As soon as Wells Fargo found we were looking to modify our loan they wanted to be our new best friend. They have done nothing but XXXX it up and to this day continue to keep the process from moving forward by providing outright lies to my ex-wife about the process. They certainly do n't want me to qualify for HAMP, it 's not in their best interest because the house is underwater and they would have to give up their 6.5 % mortgage which increases again XXXX XXXX. Now they begin a campaign of sheer confusion. I receive a letter regarding the program and notified the clerk ( to be named ) that we were using a third party and thank you. This person on almost a weekly basis would send a package of documents to my ex wife to be filled out. We explained that it was me, not her that was trying to qualify and asked him to step out of the process, we had it in hand. The overnight packages continued to my wife with the same old requests about her financial information. This shed doubt with her about the program because she could n't understand why he would continue. He has never contacted me personally or responded to any emails. 
I was eventually approved under the program with a lower home value and lower interest rate which provided savings of {$1000.00} per month. I 'm XXXX and live on social security and now that I have the burden myself of the mortgage I needed assistance. I received a letter from someone at Wells Fargo that has never returned my call that said they power of attorney to negotiate with my broker. Unless it was snuck into the mortgage paperwork, I never signed any such thing. This started in XXXX XXXX and now it 's around XXXX that we start running out of time due to the program ending XXXX XXXX. My ex wifes attorney calls and asks this clerk about my process and he told the attorney my loan did n't qualify for FHA refinancing. That 's fine, I was applying for a modification which it fell into as a category. Based on that my ex wife 's attorney sent an email rescinding interest in signing a quit deed. Now I 'm XXXX. It 's not easy to qualify, you have to provide tax returns, financial statements, a hardship letter, and with XXXX intentional lie this bozo wipes out 5 months of work. The house is worth less than the mortgage outstanding and have really to options, require these people to stand up and be a legal corporate citizen or bring a moving truck and let it be, they will be the proud new owner of a home I can assure you they wo n't want.
Consumer complaint received 2015-12-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX, I called Bank of America regarding a debit to my account of {$200.00} from XXXX XXXX Card Services. I asked if the item would be returned before my direct deposit cleared on XX/XX/XXXX. The representative told me I would be charged a fee but it would not be returned. It was returned. I was charged not an overdraft fee, but a fee of {$35.00} for a returned item. What I have requested is that they not take my word for it, but review the recorded conversation between myself and the rep and supply me in writing that it was her error and not mine so I can forward it to my credit card company. I had XXXX choices, I could have deposited the {$200.00} or declined the extended credit limit from XXXX. One of the supervisors I talked to hung up on me ( although she noted " disconnected '' ). I was on a landline. We were not disconnected and she did not try to call me back. The next supervisor/manager I talked to continuously talked over me, repeating the same thing as if I were illiterate instead of listening to me and answering what I was asking her.
Consumer complaint received 2015-12-28
Product: Other financial service — Check cashing
Issue: Fraud or scam — 
Company: Global Payments Check Services, Inc. (NJ)

when making a purchase at XXXX in XXXX nj, I wrote a check. XXXX contact global payments check services inc for authorization, they declined authorization without reason. I contacted Global who refused to give a reason and informed me they also ran credit checks for check authorizations. Global never asked for authorization or permission to run my credit. Global also acts as a Credit Reporting Agency and collects their own info on people which they base their authorizations on. They refuse to give reasons for declining a check and says they do not correct any info because they do not speak to individuals when they decline to authorize a check. Global Payments Check Services Inc. needs to be investigated for their collection of info and compiling of credit reports that they base their decisions on. Global Payments Check services Inc should be fined for the unauthorized credit checks they run when contacted for a check authorization. Global Payments Check Services Inc appears to be trying to circumvent laws and regulations when it comes to consumer laws.
Consumer complaint received 2015-11-11
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

It 's not so much a mortgage complaint, it 's an alleged home equity loan that my now deceased mother n law took out in 2003. The bank ( HSBC ) claims she took out this alleged loan for XXXX and they can not show us any proof of the loan. 

We have ask for all types of documents that support this claim and no one ca n't produce any documents. This has been thrown out of court XXXX times and now they are trying to foreclose and take our home. Please help us!
Consumer complaint received 2015-12-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Associates Loan Servicing LLC (IL)

First Associates XXXX XXXX continues to indicate I owe a debt to them ; however, they continue to refuse to communicate anything with me when I call to get them to verify the information. I never opened an account with First Associates or XXXX XXXX, and that account needs to be removed from my consumer report ( s ).
Consumer complaint received 2015-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My identify was stolen XXXX XXXX/XXXX/15 and a person emptied my bank account as well as opened a charge card backed by XXXX XXXX/XXXX XXXX XXXX. I would like the hard pull/credit inquiry removed please.
Consumer complaint received 2015-12-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (FL)

Credit Collection Services XXXX XXXX XXXX, MA XXXX you call this XXXX ( XXXX ) XXXX and they ask for your number to access your account and then they hang up the phone. This happened to me twice when I called. Can something be done about this?
Consumer complaint received 2016-03-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I had a secured credit card with XXXX XXXX with a credit line of {$200.00}, that was secured by a savings account. After a few years, I was issued an unsecured XXXX XXXX XXXX credit card with a {$500.00} credit line. Since I received the unsecured card, I did n't think it was necessary to still have the secured account, so I requested that the account be closed by XXXX XXXX. Soon after I requested the account to be closed, my credit score dropped dramatically, which is negatively impacting me with trying to obtain a mortgage loan. Why would a consumer who is wanting to eliminate unnecessary debt be penalized. The account was always paid on time, the account was paid off in full and yet the credit bureaus pinged my credit. Does n't seem fair at all. Any assistance you can provide will be greatly appreciated.
Consumer complaint received 2016-03-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC (MO)

Cavalry Portfolio is reporting to the credit bureaus that I have a paid collection with them that is in conjunction with XXXX from 2011. I contacted XXXX regarding this information and was told that my account with them had been sold to XXXX XXXX, therefore, it is not possible that the Cavalry account is mine.
Consumer complaint received 2016-01-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TRANSUNION IS REPORTING A CLOSED ACCOUNT I HAVE WITH XXXX XXXX XXXX XXXX XXXX FOR A CHARGED AMOUNT OF {$15000.00} AS DELINQUENT AND OPEN. XXXX XXXX AND MYSELF HAVE COME TO AN AGREEMENT TO SHOW THIS ACCOUNT AS CLOSED AND PAID IN FULL ONCE THEY REPORTED THIS ON A XXXX REPORT AS ADDITIONAL INCOME WITH THE IRS WHICH I WAS MADE TO PAY TAXES ON. XXXX AND XXXX HAVE REACHED OUT TO XXXX XXXX DIRECTLY AND HAVE UPDATED THE INFORMATION THEY ARE REPORTING.I NEED TRANSUNION TO SHOW THIS ACCOUNT AS CLOSED AND PAID IN FULL- NOT AS DELINQUENT AND OPEN.
Consumer complaint received 2015-11-11
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX XXXX is the manager of my loan officer XXXX XXXX at Bank of America. I started to contact him regarding to my loan when XXXX XXXX was gone for vacation. I was told by XXXX that I could use my business fund to pay down payment and got a lower interest rate before he took vacation. I called XXXX XXXX and explained what XXXX told me. XXXX XXXX started to act as he was the boss. We just need to do what he asks. He does n't agree to give lower rate. He requested me to send all the invoices to my customers for a whole past year to prove my business fund is good fund to use to pay down payment. I did what he requested, sent all the invoices to him by email on XXXX XXXX. I followed up with emails and phone calls. But he never responded, and never gave any explanations. 

The loan was closed on XXXX and we never got lower interest rate as promised without any explanations. We are paying 0.25 % higher interest rate, about $ XXXX $ XXXX/month for mortgage payment now. 

XXXX XXXX is unprofessional and lack of professional ethics. He does n't have respect to other people and he treated his customers as his staff without respect.
Consumer complaint received 2015-07-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My loan was sold from XXXX XXXX to Select Portfolio [ SPS ] Servicing on XX/XX/XXXX. When my loan transferred from XXXX Bank, I was given a final modification of my mortgage. I never received the modification agreement and called SPS to have my modification agreement sent to me as they were my new servicer. SPS informed that I had to get the agreement from the XXXX XXXX. XXXX XXXX informed me that my loan was sold and my case was closed. I then, was told to reapply with SPS which I did. At the time of my modification with XXXX, the value of my house was approximately XXXX dollars according to XXXX XXXX appraiser. Now I am in a dispute with SPS who states my home is now worth XXXX dollars even though we have an appraisal at XXXX which was completed on XX/XX/XXXX. SPS refuses to accept the correct value, and has my home in foreclosure. SPS also refuses to modify me due to their inflated evaluation. SPS withheld my modification that was written by XXXX since XX/XX/XXXX when they took over the servicing of my loan.
Consumer complaint received 2015-11-12
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: ENCORE CAPITAL GROUP INC. (IL)

Collection agency ( Midland Funding LLC ) garnished my wages back in 2010 collected the amount that was owed and now claims that i still owe them the same amount. They are using the law office of XXXX, XXXX, XXXX XXXX XXXX XXXX. They sent me a notice of motion I do not know if it is legit or fake.
Consumer complaint received 2015-12-28
Product: Credit card — 
Issue: Balance transfer — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Hello, I am writing this complaint with regards to a Balance transfer I did from my Capital One Credit Card account to XXXX XXXX XXXX Credit Card account on XXXX XXXX, 2015. I put the account number of my XXXX XXXX XXXX 's account and submitted the transfer. After 10 days when the funds were not showing on my XXXX XXXX XXXX 's account, I called the Capital one for the status and they confirmed me that funds have already been sent out. After further investigation, it was found that the funds were actually sent to XXXX XXXX instead of XXXX XXXX XXXX. They put my XXXX XXXX XXXX 's account number but sent it to the wrong address to XXXX 's and I do not have any account with XXXX 's. We then had a conference call first which was between me, Capital One and XXXX XXXX XXXX and they, XXXX XXXX XXXX, confirmed that the account number was right which I requested for Balance Transfer but they have not received any payment or funds. Then we had another conference call which was between me, Capital One and XXXX and representative from XXXX confirmed that I do not have any account with them, so they can not find any payment or funds. 
Later Capital One started investigation and as per them, they requested XXXX to return the funds from there missing file. This was done on XXXX XXXX, 2015. 
Yesterday, XXXX XXXX, 2015, when I called Capital One for an update, they told me that they have not received any funds back from XXXX and also they can not guarantee to refund my money if XXXX do n't reply them. 
I provided the correct Bank Information and Capital One erroneously wired/transferred funds to the wrong Bank. I have not received any funds, it was their error, yet they will not correct my account balance on the original credit card unless XXXX refunds. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2015-11-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (GA)

On XXXX XXXX and XXXX someone made several transactions using my sons account that I am listed as a co-owner of. There was a {$500.00} cash deposit, followed by visits to XXXX Wells Fargo offices in XXXX XXXX and XXXX all within XXXX minutes of each other to cash checks. The majority of those funds were received as cash back with the rest being deposited into the account. 

The transactions are as follows : XXXX XXXX {$500.00} cash deposit at Wells Fargo XXXX XXXX XXXX XXXX {$620.00} check deposit with {$490.00} cash back Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX GA at XXXX {$610.00} check deposit with {$490.00} cash back Wells Fargo XXXX XXXX XXXX GA at XXXX {$620.00} Check deposit with {$490.00} cash back at Wells Fargo XXXX XXXX XXXX XXXX GA @ XXXX {$610.00} Check deposit with {$490.00} cash back at Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX GA @ XXXX {$650.00} Check deposit with {$490.00} cash back at Wells Fargo XXXX XXXX XXXX XXXX GA @ XXXX {$650.00} Cash deposit with {$490.00} XXXX XXXX XXXX XXXX XXXX GA at XXXX {$300.00} withdrawal at NON- wells Fargo ATM at XXXX XXXX XXXX XXXX GAAnd on XXXX XXXX, {$300.00} withdrawal at Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX GAMy son and I requested a fraud investigation with Wells Fargo that they have closed ever after admitting that it was not my son at surveillance making these transactions. They closed the ( ATM ) case previously after comparing surveillance for XXXX transaction I reported against a second transaction I reported concluding that the pictures matched. I was told that case was being reopened but I can not find any evidence that it was actually reopened. The ( edeposit ) case was simply closed because his ( reported ) debit card and PIN were used to make the fraudulent transactions. After speaking with a supervisor, I was told that it was going to be given a second look and called back ~ XXXX hours later with the news that it was being closed again. The reason I was given was because they had picture/video of someone other than my son making a authorized transaction ( {$50.00} deposit ) on XXXX XXXX. Thereby, essentially giving up his rights to claim fraud.