davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (NC)

When I separated from my ex-husband in XXXX XX/XX/XXXX we agreed that he would take the house and transfer it into his name. In XXXX XX/XX/XXXX I received a late notice from U.S. Bank that stated the mortgage payment had not been made. I went to the house and discovered that my ex-husband had moved out and destroyed the property. I informed the mortgage company, U.S. Bank, in XXXX XX/XX/XXXX that I was no longer able to make the mortgage payments and the house was vacant. I informed them that I will not contest the foreclosure, I just need it to be completed ASAP so the time can start to run on my credit report. The foreclosure is still not complete even though I have called U.S. Bank several times and told them to take the house out of my name. They could not provide me with an explanation as to why the foreclosure has not been completed or what the delay is. I have just been informed that the mortgage loan is still showing on my credit report as an open account that is not being paid. Due to the U.S. Bank 's delays my credit score has dropped over XXXX points and continues to drop every month. I understand that because of the foreclosure my credit was going to be hurt, but this is ridiculous. An uncontested foreclosure usually takes an average of 120 days. The foreclosure on my home has now taken over XXXX days due to unknown delays.
Consumer complaint received 2016-02-01
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

I have an initial fraud alert on my credit report with Experian. I was notified on XXXX separate occasions that my credit report was pulled. I was contacted by XXXX creditor XXXX and i advised i did n't take any action to initiate the credit report inquiry. No fraudulent accounts were opened however I have been left with inquiries I didnt initiate. XXXX creditors XXXX and XXXX stated they would be removed but Experian keeps sending me updated reports saying inquiries are a matter of record and they will remain.
Consumer complaint received 2016-02-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (WI)

I got a letter - after closing COMPLETELY about 1 year ago - that said I was delinquent on my loan. This could not be possible bc I closed at a Title company and got a payoff confirmation. The letter came from someone who is posing as US Bank at XXXX.
Consumer complaint received 2015-07-02
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (CA)

After turning in my car, I received a bill that I did not recognize. I called FORD MOTOR company and they said it was for mileage. I offered to pay it on my XXXX credit card, and they said that they do not take XXXX. 

I made other arrangements to pay. They have been paid in FULL a few years ago and they are still reporting a collection on my credit report with this account being closed in 2009. I also made all the lease payments on time for 36 months due.
Consumer complaint received 2015-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

I had bankruptcy about XXXX years ago, Equifax reported this account for XXXX yearswhile the other XXXX reported for XXXX years, Now I have applied for a loan. 
with XXXX XXXX, the loan officer tells me I have bankruptcy, Under federal lawten years is the max time to report but in this case, this is the XXXX year. 

another one is XXXX XXXX reporting XXXX dollar bond that was disputed and the case is pending in XXXX district court of Georgia ( federal Circuit )
Consumer complaint received 2015-06-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Due to the bankruptcy of the company I worked for I defaulted on my agreement with the IRS. The IRS put a lien on my property. A few days later my credit score dropped more than XXXX point. We spent the last few years cleaning up the problems and the IRS removed the lien and the credit reporting agency, Trans Union removed the record but my credit score did n't go up an iota. It is a one way street looks like. I know that it took an act of congress even to get to the point of them removing the record, but if the score is n't changed than they are showing a finger to the lawmakers and indirectly to you. 
Please investigate the matter. If you need more information I am more than happy to provide it. I do n't think I am the only one with this problem.
Consumer complaint received 2015-06-04
Product: Credit card — 
Issue: Convenience checks — 
Company: FIFTH THIRD FINANCIAL CORPORATION (WA)

I wrote XXXX convenience checks at the same time with a promotional rate of 2.99 %. Both cleared within days of each other and within the offer time. I paid a small fee on both for the " privilege '' of using these checks. I have been charged the promotional rate on XXXX check and 15.99 % on the other. I have called and spoken with representatives numerous times and have been told every time that the issue will be handled but it has not.
Consumer complaint received 2015-07-21
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (TX)

I went to the XXXX, XXXX branch of Chase on XXXX and XXXX. I was going to travel to XXXX XXXX for two to three weeks and wanted to pay a little extra on my credit card to a credit balance in case the bill ( s ) came in while I was out of state. I have done this in XXXX, XXXX and other chase banks in XXXX. I believe I had a {$50.00} balance due, and wanted to pay $ XXXX on the charge card account. I have XXXX charge cards with Chase. The drive through teller told me they would have to check with their manager, again I drew I believe XXXX XXXX XXXX, the asst mgr who informed me I could n't do it. I do n't know if he has a personal vendetta against me or not, but the only Chase person I 've ever had problems with is XXXX XXXX, other employees at this branch and the manager are nice, cordial and customer service oriented. He threatened me with the drive through teller listening that if I insisted he would either close my account, or recommend that it be closed. I do n't understand the problem, just put $ XXXX payment in the system. I could mail in XXXX checks for {$50.00} each or XXXX check for $ XXXX and they would take it automatically. I do n't appreciate this ongoing personal vendetta by XXXX XXXX against me, and had to write the CEO of Chase to get a response. The regional manager, I believe named XXXX (? ) who was cordial and professional, and I asked him if Chase does n't want my business, I will just take it to another bank or branch.
Consumer complaint received 2015-04-22
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: LD Holdings Group, LLC (FL)

This is a detailed Email from my Realtor : to the COE of XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX '' We have sent everything ( XXXX ) need to process the loan for XXXX XXXX XXXX, XXXX at least two weeks ago and we still do n't have a closing package at the Title company for the HUD and closing. 
This is a Fannie Mae loan and I have been telling everyone all along and especially over the last two weeks that we MUST HAVE THE FILE TO TITLE 48 HOURS BEFORE CLOSING. 
The file was complete Thursday, XXXX XXXX with corrections on name and ready for underwriter. I expected to see it arrive at the Title company and have a HUD done on Friday only to be informed by your local representative, XXXX XXXX, that nothing had been done yet but should be done by early week. 
I requested the file to be complete and sent to title on Monday so we could close on Wednesday. Your employee XXXX XXXX stated that " closing date is XXXX XXXX so the file will be there the XXXX ''. A FANNIE MAE LOAN NEEDS TO BE AT TITLE 48 HOURS BEFORE CLOSING!. 
I have talked with XXXX and he can not seem to get the file escalated enough to meet the deadline as of yet. WE have 2 hours to meet the deadline - see email from XXXX XXXX at XXXX XXXX. If it is not there by XXXX EST, we will not make the closing. 
My buyer has given extra time in planning his life ( we have moved the closing from XXXX/XXXX/15 to XXXX/XXXX/15 to XXXX/XXXX/15 ) but we have maxed out his time. He will be without a home XXXX if this does n't close on time ''. 

No one took the time to explain to me why we could n't close on each of the previous times listed. This has been a great waste of time and money for me. Now as of the XXXX of XXXX I will not have a place to call my own due to the fact that I picked XXXX as a lender for my XXXX loan. Overall this has been a awful experience. I am disappointed, angry and very unhappy. For more than a month, this has been happening. Thankfully, I have detailed email threads for proof and investigation by attorney. 

Hope this helps someone. 
Thanks XXXX.
Consumer complaint received 2015-07-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

My lender PennyMac is not allowing us a short sell after we have submitted a completed package. 
At one point, we did have a loan modification but our financial situation changed and we could no longer keep that obligation. Needless to say, we have been behind on our mortgage payments and were recently informed of a foreclosure on our property. On the same day we were informed of the foreclosure, we contacted PennyMac to see if we could, again, qualify for a modification. However, we were infirmed we did n't, even though my husband recently graduated college, & is working full time as I am. After being declined for a modification, we suggested a short sale in lieu of a foreclosure, and were told that that would probably not happen because we had about 30 days before the scheduled foreclosure. We asked to give it a try as we believe a short sale is more advantageous to both parties. After speaking to several representatives at different times and days, we were finally told we could try, and to fax an authorization have our realtor have direct contact with them. Our realtor contacted them, completed ( with us ) the short sell package and forwarded it to PennyMac ASAP. 
We have been informed, as of today, that they could n't grant the short sell, although an offer was attached. 
We believe that a true and honest effort has not been done by our lender, but rather disregarded the fact that we are asking for an optional solution that can work for both parties. It seems to us as though this has fallen in deaf ears and we need your help to advocate or guide us with this situation. 
We understand if they say we ca n't afford this loan anymore, but we are not asking asking for something impossible, but rather an attainable and fair solution.
Consumer complaint received 2015-07-21
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

XXXX contacts me, via phone, through my place of employment in an attempt to collect a debt. I 've asked ( verbally ) for them not to, yet still they call. 

They do not need to contact me at work when I have a working home phone and XXXX mobile phones. They know those numbers because they have left several voicemails. This is unacceptable.
Consumer complaint received 2015-07-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I have XXXX complaints about USAA mortgage services. The first, I 'm concerned that I may have overpaid in interest. The second has to do with how USAA unilaterally applies additional mortgage payments to principal, interest and escrow, and the third has to do with their use of " mortgage servicers '' to manage their mortgages and their lack of accountability or responsibility to their members when using the " mortgage servicers. " For the first issue, I sent three additional mortgage payments that were to be applied to the principal only. In each instance USAA applied the additional payment to the principal, interest and escrow. I contacted USAA to correct the payments, with the exception of the last payment. I have n't yet been able to reach the " mortgage servicer. '' As interest is determined by the value of the loan, the interest rate and number of days, I 'm concerned that I 've overpaid in interest. I was assured by USAA that the payment corrections would be dated back to the date the money was received ; however, it does n't appear that the corrections were. The first payment was made XXXX/XXXX/15, but was not corrected until XXXX/XXXX/15. The second payment was made XXXX/XXXX/15, but the correction was not made until XXXX/XXXX/15. Unfortunately, because of my work schedule and USAA 's " mortgage servicer '' business hours, I 've not yet been able to reach them to correct the third payment. 
Additionally, the second issue, on the third payment, I made it very clear that the payment was to be applied to the principal only. I wrote in all caps and highlighted " PRINCIPAL ONLY '' on the check and money orders. I selected " principal only '' on the payment coupon and included the value that was to be applied to the principal. Still, USAA applied the amount to the principal, interest and escrow despite my express written desire that the entire amount be applied to the principal only. 
For the third issue. I contacted USAA about correcting the third payment and they directed me to their " mortgage servicer. '' The " mortgage servicer 's '' business hours differ from USAA 's business hours. So I called USAA back and explained the " mortgage servicer '' was closed for the day. USAA offered to give me the " mortgage servicer 's '' direct phone number so that I could call them directly when they were open for business. I explained to USAA its extremely difficult for me to contact the mortgage servicer because of my work hours and that my mortgage contract was directly with USAA, not the " mortgage servicer. '' I had no desire to work with their " mortgage servicer. '' The agreement with the " mortgage servicer '' was between USAA and the " mortgage servicer. '' My agreement was directly with USAA and I did n't want to contact a third party to correct a payment relative to the agreement between USAA and myself. USAA was unable to help and insisted I contact their " mortgage servicer. '' I sent an email complaint to USAA about it and received no resolution.
Consumer complaint received 2015-07-03
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (DC)

I held an American Express card for 1 year was closed down all of a sudden without warning and all my points ( ~ $ XXXX ) I had earned from purchases were taken back. I would understand if it was a sign up bonus that I had not earned, but these points were earned as a result of spending. I have contacted American Express over XXXX XXXX times in a span of 3 weeks and nothing has been done to return my rewards. I have held multiple cards over the last 7 years with American Express and for them to close down my account and take back all of the points without warning seems like an extreme punishment. Some sort of warning should be mandatory or at least payout the points earned. Please help me resolve the issue by having them reinstate my account or pay me out for the points earned. I have read of others who have also been shutdown without warning but were able to get paid out for their points ( which is an acceptable outcome ).
Consumer complaint received 2015-04-21
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CASHCALL, INC. (CA)

Out of no where- started receiving calls at work, and leaving messages. I did answer and told them not to call my work, that I do not receive personal calls, and the man was combative, yelling at me " DO YOU WANT TO GET SUED? '' over and over. I have received threatening voicemails, stating that I am being investigated for fraud. My family has been called and harassed. My brother did not give my address, and the man stated : what type of brother are you, that you do n't know where she lives? " I receive different v.m. with different people calling. On my work v.m. they left a case #. They sent a letter to my former address, and it was forwarded to my new address- and it stated they bought my debt and not they want to collect {$7200.00}!! I do not owe any money to this company. They said the loan was from CashCall.
Consumer complaint received 2015-04-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (KY)

my loan was serviced through green tree servicing. and while in chapter XXXX bankruptcy I recieved numerous calls when I fell behind with my mortgage. Always made the payment but however, when I tried to explain to the servicer that as money was tight and the pay days fell different that I need more time. I recieved phone calls till late up into the night. even so to tell me that i was already in bankruptcy i might as well go ahead and give the property back or they were gon na forclose on me. as the continued daily the stress of the horrible phone calls influnced me to give the property back to them and add it to my bankruptcy. As I am hurt that i had toogive my home up I was pressured to do so
Consumer complaint received 2015-07-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Dynamic Recovery Solutions, LLC (NV)

A man knocked on my door and told me his name and told me that the home security company if have was merging with his company and they were going to up grade my system as a part of the merging of company 's. As they were changing the key pads, my security company called me, I asked if they were merging with this other company. They told me no and I was still under contract with them. I told the guy who was trying to replace my key pad, to put every thing back the way it was. He did that and left. A couple of months go by and I get this bill from Dynamic Recovery Solutions stating that I owe then, if I pay now {$230.00}. Dynamic told me that, the Security company, sold them my contract, and that, they were to collect my dept. Dynamic wanted me to go to my bank and for my bank to, send them a e-check. Which I did n't do The security System company wanted {$690.00} from me and that was n't going to happen.
Consumer complaint received 2015-07-02
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Cochren Bailey & Associates, LLC (AL)

Someone from a company called Cochran and Bailey ( XXXX ) XXXX, searched a database and associated my husbands family with me and starting calling them and telling them that I used them as a reference and that they have their SS # and addresses and that I have been writing bad checks. They called several people in my husbands family whom I have never used as a reference for anything, I do n't know any of their addresses or phone numbers so I could n't have possibly given out any info on my in-laws. They have been steady calling and harassing everyone including my mom and on my job disclosing my personal information.
Consumer complaint received 2015-07-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (LA)

Dynamic Recovery Solution XXXX XXXX XXXX, XXXX, SC XXXX, XXXX XXXX XXXX XXXX sent me a notice in the mail trying to collect on a supposed debt. They said the original creditor was XXXX XXXX XXXX, and that I owed from a credit card back in 2002. I have never had a XXXX XXXX XXXX card!
Consumer complaint received 2015-12-31
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO. (NJ)

The complaint is about Chase Slate Visa credit card. Opened the card based on the Chase advertising for a 0 % Balance transfer for XXXX billing cycles. I called the credit card customer service and requested a transfer to my personal checking account. I was told that the transfer not allowed to checking accounts despite no restrictions were listed in the customer agreement and the customer service supervisor could not point to anything in the Chase credit card disclosure that states that. I want other consumers be aware of a false advertisement.
Consumer complaint received 2015-07-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (NC)

We refinanced our home several years ago and the loan was sold to US Bank. It has been horrible ever since. We have never been late with a payment on our mortgage. US Bank deliberately makes paying the loan difficult. I can only occasionally access my account online - they have the worst website ever. Sometimes I can log in, other times I ca n't. It will say my password/ID is n't in the system. I 'm stuck having to write monthly checks to mail in stead of the paying online. I think they do this in the hopes of the customer being forced to make a late payment so they can tack on big fees. I called customer service about it and she gave me some insane excuse that I needed to use a different search engine??? That makes no sense at all. It does n't matter whether I get to their website via explorer, Chrome, etc. the result is the same. They also overcharge every single year for escrow account.
Consumer complaint received 2016-01-13
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I pulled my credit report and showed a tradline from Capital One. i have never applied or had an account with Capital One I have made a complaint with Capital one before advising them i was a victim of ID theft and no account should have been opened in my name. This has been addressed but yet im still having problems
Consumer complaint received 2015-09-18
Product: Prepaid card — Other special purpose card
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (CA)

I received XXXX American Express prepaid reward cards as rebates for purchases from XXXX and XXXX from XXXX. I was informed that they were accepted nearly everywhere, but was embarrassed time and again as I tried to use the cards in crowded lines at local stores including chains like XXXX and XXXX and online retailers as I scanned card after card only to be rejected and having to find another way to pay. On XXXX XXXX, XXXX I called their automated, XXXX phone number to get the amounts remaining on each card. I was told : {$14.00} remained on the XXXX {$20.00} cards, {$6.00} on a {$10.00} card, {$4.00} on another {$10.00} card, and {$0.00} on the remaining XXXX {$10.00} cards even though I had been denied use on these cards. ( The only card I had been able to use in the past was the {$30.00} Am Ex card from XXXX for a purchase of {$23.00} so it had a balance of {$6.00}. ) Later on XX/XX/XXXX I made a purchase at XXXX and was denied XXXX cards with balances remaining, but the receipt showed that {$0.00} was taken from XXXX card and declared XXXX-out, though the automated phone called an hour earlier said it had a balance of {$14.00}. {$1.00} was taken from the {$30.00} XXXX card with an actual balance of {$6.00} and declared XXXX. {$1.00} was taken from another card and XXXX-out though the phone call claimed there was {$6.00} remaining on it. And finally {$14.00} was taken from a card that the phone called claimed had {$14.00} on it and declared XXXX-out. This has been a confused, embarassing experience in which I saw my money randomly disappear with no logical explanation. There is no web address to contact and Amercan Express 's phone number is automated.