davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MILEND, INC. (NC)

Contacted MiLend Inc in XXXX, GA back in XXXX of 2017 of securing a mortgage through them. Spoke with a young girl named XXXX who was new with the company. Explained our circumstances of what we were looking for in our loan. She seemed to tell me everything I wanted to hear. We had a fresh appraisal and wanted to use that and not pay for another, " no problem I heard ''. Wanted a interest rate for a 15 year fixed at 3.5 %, yup we can do that as long as everything with you checks out. Both my wife and myself have over a 750 credit score and should yield some of the best rates. Having a credit history of paying mortgages for over 30 years with not ever making a late payment was also another attribute as to our risk factor. Then the phone call in the 11th hour. We have to pay for another appraisal, ok we '' re not happy but we '' ll go along with it. Oh yeah the 3.5 % interest rate is now 4.25 % with a lame excuse of we were only borrowing {$90000.00} and loans under {$100000.00} have to pay more to make it worth it to their investors. Closing costs that were said to be approximately {$2000.00} are now inflated to over {$4000.00}. When I called to talk to a supervisor I was given a run around. At that point we pulled the plug on them. I can only say a deceitful company, shame on them.
Consumer complaint received 2017-04-20
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: CountryPlace Acceptance Corporation (FL)

I got a loan from Countryplace Mortgage. It was a construction loan to permanent loan. After the loan was converted to the permanent loan, i was due several credits. One for the adjustment of the price of my mobile home, and a credit for the improvements.
I ca n't get Country place to credit my account. I have emails from Countryplace employees confirming this, but no credits.
Consumer complaint received 2017-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAVALRY INVESTMENTS, LLC (GA)

I originally had an account with XXXX XXXX back in XXXX, I filed for chapter XXXX, and that account was included. While the ch XXXX was underway, the original company sold this account to calvary portfolio service. My bankruptcy was successfully discharged as of XXXX/XXXX/XXXX. Recently, last week calvary portfolio began sending me collection letters AGAIN, offering me a settlement which violates my terms of my chapter XXXX case that was completed. I will included my discharge letter, a page from my credit report and the original account information.
Consumer complaint received 2018-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

My online payment to my HOA - XXXX XXXX HOA that was sent on XX/XX/17 was never received by them and the check was cashed with a stamp stating the 'United States Treasury XXXX has it for the amount of {$330.00}. 

I received a late payment fee from my HOA in XX/XX/XXXX so I called them to find out that they never received my check that they have been getting monthly for years! So I called Chase and they directed me to get the proof of funds which I sent to my XXXX. They are the ones that pointed out that the check shows United States Treasury on it which they do n't use. Also, looking at all my other checks to them, none of them show this stamp. 

So I filed a claim with my bank, JP Morgan Chase and they just came back stating that they were contacted by the Federal Reserve and said they wo n't deal with them and will only deal with the consumer, me and that I needed to call them to figure out what is going on. They gave me the number XXXX XXXX and ask for the Dispute Department for online payments. They gave me a bunch of transaction numbers and reference numbers. 

So I called that number and they stated that does n't make sense and that the only thing I can do is file a complaint against Chase and here I am.
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a XXXX XXXX phone bill that appeared on my credit reports, all 3. However I have only had an XXXX phone bill ever. I have never had any other company and this bill has to be fraud because it doesnt belong to me. I am more than willing to submit whatever I need to prove to them that this is not my account including my bills for att dating back to several years ago.
Consumer complaint received 2018-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (LA)

My husband paid my credit card in the full amount with a check that had the credit card number, closed account, paid in full clearly written on it on XX/XX/XXXX. The check cleared my husbands account the day before the due date. I called the credit card company ( CHASE ) a week or so before it was paid in full and said we were closing the account and paying it in full and asked what was the payment amount. Today XX/XX/XXXX we are now receiving notices that the account is past due for {$6.00} when the account had a zero balance. When I called the bank they threatened to add late fees to the account also. I highly advise anyone to think twice when dealing with Chase bank or card member services at XXXX XXXX XXXX, XXXX, DE XXXX
Consumer complaint received 2024-01-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I have lived in my home since XXXX. It was bought for approximately XXXX. During this time home equity loans were taken by my partner. My partner died in XXXX and the mortgage was transferred into my name. I paid my mortgage on time every month until XXXX when I feel behind on payments. The mortgage was transferred to Select Portfolio Servicing at some point. Somehow, even though I have been in this home for almost 30 years and the value has risen to about XXXX, they are telling me I only have XXXX in equity and still a balance of XXXX. My mortgage was also raised over the past years, from {$2400.00} to now {$3000.00} a month. I think I have been preyed upon because they know I am elderly. I would like some resolution to find out how I still owe so much and have so little equity.
Consumer complaint received 2018-01-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kelsting Group, Inc. (CA)

I had a contract for a certain amount of time at XXXX XXXX XXXX-XXXX but due to personal problems I was facing at the time, I asked the employee, XXXX, if she could cancel my contract starting on XX/XX/XXXX. This person who no longer works at the gym assured me that she would cancel my membership without an issue. I asked her for documentation to back that statement up -she declined stating that would not be necessary. She never again contacted me to say that my account had not been cancelled ; I took her at her word as an authority in that establishment. On XX/XX/XXXX, I emailed XXXX XXXX XXXX regarding a Letter of Delinquency I received that week of XX/XX/XXXX which called for payment of {$600.00} for the dates XX/XX/XXXX-XX/XX/XXXX which XXXX had said she would cancel a year before. I explained the situation thoroughly and requested to be pardoned for the fees due to previous lack of disclosure on their part ; I did not expect to be billed for something a year later due to XXXX 's false reassurances. XXXX, the employee I emailed, did not respond to my last email which I ended by saying, " I realize that you had nothing to do with her mistake of saying one thing and not doing it ; however, I 'd like to request an exception from your usual policies if you 'd please consider nulling my dues. With respect to your establishment, I 've had an extremely unfavorable experience with inconsistencies at the inactions of previous employees. '' on XX/XX/XXXX.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

I called Equifax on a recorded line to update all non mailable addresses etc. Before that I went to retrieve my free annual credit report and was unable to. Equifax stated I had a freeze on my report on which I didnt authorize such. They wouldnt release my report unless I provide them with identification. Well attached is Identification
Consumer complaint received 2018-01-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA (TN)

I received calls on XX/XX/XXXX XXXX EST and XX/XX/XXXX XXXX EST from American Education Services. Both pick up hang ups. I looked to ensure all payments were current after the call on XX/XX/XXXX. On XX/XX/XXXX XXXX I called back and the representative asked for my current address and I confirmed all information. 

On XX/XX/XXXX my mother called stating that called asking my address information. I told her I called them and gave it. At XXXX on XX/XX/XXXX I called the company back and that stated they were asking about my father a cosigner who was XXXX. The representative stated an original XXXX XXXX must be mailed to AES, I asked about alternatives and the representative stated that was the only way. I asked to speak to a supervisor and the supervisor said I could do it via fax, or through website submission. I told them I would have to get a copy and I think I had it in my email. 

When I hung up the call I searched my email and found no copy so I texted a family member who would have the information. The family member stated they would get it to me. 

Also on XX/XX/XXXX at XXXX another incoming call, no voicemail. I called back at XXXX and spoke with a representative who stated the calls will continue daily until I get the death certificate in, I asked for them to stop especially to an elderly reference who is unable to handle her own affairs, they stated they are unable to stop the calls. I stated as a consumer this appeared to be harassment after keeping reasonable communication and that I would contact the CFPB.
Consumer complaint received 2018-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (TX)

I opened a XXXX/XXXX account with XXXX XXXX XXXX for my son. He lost his job and canceled service before contract ended. I made arrangements with XXXX XXXX XXXX/XXXX to pay out the contract and made monthly payments, paying the final payment on XX/XX/XXXX. In XX/XX/XXXX a report was made to all 3 credit reporting agencies of a collection due against me opened XX/XX/XXXX by Franklin Collection Services.  This has damaged my credit and dropped my credit score up to 80 points. I disputed this with all 3 credit reporting agencies and contacted both Franklin Collection Services and XXXX XXXX XXXX. XXXX XXXX XXXX has told me multiple times over the phone that all my accounts with them have been paid and nothing is owed for this bill. I also have a statement from XXXX showing a XXXX balance on this bill. I also told Franklin Collection Services that this bill has been paid and emailed them a copy of the statement. This bill was paid in XX/XX/XXXX before XXXX XXXX XXXX ever reported this as a collection but they refuse to remove it from my credit report and have continued to send requests for payment. They state that XXXX XXXX XXXX still shows this as due, even though XXXX XXXX XXXX has verified multiple times to me that there is no balance owed. So either XXXX XXXX XXXX or XXXX XXXX XXXX is giving false information and it continues to damage my credit. I have been trying for 4 months to get this resolved.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Credit billing dispute submitted and XXXX letters to CEO and creditor directly.Follow up calls placed to creditor for open account that has been in good standing since XX/XX/year>. I was told a response would be provided in XXXX after submission and have not received any results or update on my account. 
I did not consent to this being reported on my consumer report. Anything being reported needs to be consented by the consumer. After recently pulling a copy of my credit report, I was shocked by what I discovered. I noticed there were late payments that are reporting on my credit report that 100 % SHOULD NOT be being reported on my credit report. I would like this to be rectified. I was not properly notified according to 1637b of this title is mailed or delivered to the consumer not later than 21 days before the payment due date prior to late payments being furnished to XXXX, Transunion and XXXX. 
( Please see attached )
Consumer complaint received 2018-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My problem is that the Capital One Web site incorrectly shows past due amounts as NOT past due, causing customers to make 30 day late payments instead of just a few days late. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Four times in XX/XX/XXXX and XX/XX/XXXX, I logged into my account planning to make a charge card payment a day or two after the due date. Unlike ANY OTHER company I know, the web site, instead of segregating the past due amount from the following months amount due, combined them, and showed next months due date for the entire amount!! This indicated to me that I did NOT have a payment due ... .and I waited till next month-end to pay! 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I finally realized that the XXXX XXXX site was misleading me and have avoided the problem since, but I still have 4 late payments on all my credit reports! 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I HAVE tried repeatedly to get Capital One to address these issues but they have steadfastly refused to do anything. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( please note that I could provide a screen shot of the XXXX screen but I would have to let my account go a day past due, and incur a big late fee to do so )
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Be advised this is the second request asking to removed unverified accounts that remain on my credit report in violation of 15 U.C.C 1681. In the results of your the first re-investigation it was stated that it was " verified '' that these items are being " reported correctly ''. Where are the documents that you used to verify these accounts??? Not something that was " Electronically '' submitted to you. DOCUMENTS. Also what is the name of the person IN YOUR COMPANY who verified these accounts??? What this means is someone in this company must be willing to be able to produce in your files that proves the account ( s ) in dispute belong to me and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ) under oath and under the penalty of perjury.
Consumer complaint received 2017-06-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (PA)

This involves a company called XXXX XXXX. They provide internet services. XXXX XXXX has a package deal including their services. I initially signed up for that package because the only cable internet company in my area keeps raising rates because they have no real competition. The day of instillation comes, XXXX XXXX shows on time and does everything they need to do. I call XXXX XXXX twice confirming that they were coming, they said yes. 30 minutes after the projected time was over the technician calls and says he needs to reschedule. That, luckily, was my only day I could stay home. I decide to call both companies and cancel the XXXX XXXX half of the bundle deal. After a lot of headache I get it canceled and I decide to keep XXXX XXXX, since they already installed. Fast Forward about a year later I get a bill from a collection agency saying I owe XXXX XXXX XXXX. The collection agency says it 's " early termination fees. '' And they were fighting with me that I had a verbal contract to pay the money. XXXX XXXX is saying they paid that much to XXXX XXXX on my behalf. XXXX XXXX is saying they never received any money from them. All are blaming each other. But I do n't own any money. I never had any services from them.
Consumer complaint received 2018-01-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Skopos Financial, LLC (NC)

Account with Skopos Financial was closed as of XX/XX/XXXX. Loan was never late or reported late until loan was paid in full. Received 30/60/90 late to all 3 credit bureaus as of XX/XX/XXXX. Spoke with several employees, who were unwilling to help or care. Submitted a complaint with the BBB then finally Skopos contacted me and resolved the issue with all 3 credit bureaus. Well as of XX/XX/XXXX, the same 30/60/90 late are reported again. Once again contacted Skopos ... XXXX who stated she could not give me her last name or her supervisor said they had not reported anything. They have, to XXXX and XXXX. Please will someone look into this company as a whole, not just for me but for other consumers. Read some of the horror stories. They are the worst financial institution I 've ever had to deal with.
Consumer complaint received 2018-01-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (OH)

XXXX provided a credit card service through XXXX XXXX XXXX. I financed {$3000.00} and had minimum monthly payments of {$28.00}. Then all of a sudden my bill changed to the minimum monthly payment of {$140.00} which is a huge jump so I called to find out why and apparently it was a promotion where no interest was charged for a year then all of a sudden they charge me {$4500.00} in interest which is way more than the loan itself. I 'm furious! They state it was in the contract but there was no mention of it when I signed up for the financing. It 's a scam and they should be prosecuted!
Consumer complaint received 2018-01-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CarMax, Inc. (TN)

I was sold as were many customers a lemon from XXXX carmax car lot. these lemons are sold upside down so that no bank will refi them. 2:1 ratio. refuses to remove data from credit files and I visited XXXX XXXX XXXX facility 2 yrs ago 3x for same issue and was told could not resolve it. has battery vampire drain and fuel pressure issues know to manufacturer which is why line changed with future models.carmax refuses to acknowledge complaint under tila and lemon law. GAP insurance was forced to me at the dealership because the loan was upside down. I was not given the choice. I had custom nuts I did not authorize on the vehicle and when it broke down outside XXXX one XXXX I told the XXXX to buy the car back and keep it. He refused to answer me and let me go in the red to repo the car. I dont want a lemon, that wasnt the deal.
Consumer complaint received 2018-01-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cawley & Bergmann, LLP (PA)

On XX/XX/XXXX at XXXX AM XXXX XXXX at XXXX, from Cawley & Bergmann told me that an acct I had with XXXX ending in # XXXX in the amount of {$4800.00} was being collected by XXXX. I asked XXXX XXXX for validation of the debt because it was from XXXX or XXXX and I had been a victim of identity theft. He then stated that if the debt is validated then other legal action could be taken against me, by a lawsuit, and then asked me if I would like to settle the debt for {$3100.00} or something close to that. XXXX XXXX tried to scare me into a settlement by telling me XXXX would obtain an attorney and take me to court.
Consumer complaint received 2017-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (LA)

This cell phone debt is not mine. This debt originated with XXXX who sold it to XXXX XXXX XXXX ( who deleted the debt ), XXXX bought it back, and sold it to Convergent Outsourcing who said that they had no information on the debt at all to even collect. <P/>PLEASE SEE COMPLAINTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Convergent As a consumer, I should not have to jump through loopholes to see who owns the debt and try to track creditors down. <P/>Debt not validated with any original documentation to include my signatures.