davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-10
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Check City Partnership, LLC (NJ)

I took out a loan for {$50.00} from Check City in XXXX XXXX, NV ( on XXXX & XXXX ) and was suppose to pay it back the week after I took out the loan. But im currently unemployed with no income so Im not able to make the payment just yet. They repeatedly call me every week and leave voicemail from XXXX XXXX XXXX. I also receive phone calls from blocked numbers and when I answer it says " Thanks for calling us back, I 'll transfer you over to one of our debt collectors, '' then a representative from Check City answers.
Consumer complaint received 2015-07-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (TX)

On XXXX XXXX, 2015 I noticed an unauthorized and unrecognized charge on my American Express account which posted XXXX XXXX, 2015 in the amount of {$2300.00} by a company named XXXX XXXX XXXX XXXX. On XXXX XXXX, 2015 I initiated a dispute with American Express related to this charge. 
I received correspondence from American Express on XXXX XXXX, 2015 stating that the merchant had submitted a market analysis report as evidence that the charge was valid along with a typed message on the back which contained a one-sided conversation by the merchant. Upon closer inspection of this merchant it appears the company is based in XXXX, I live in the United States and have never done any business with anyone from XXXX. The charges were reapplied to my account. I am attempting to further my dispute but do not know what supporting documentation I can provide showing that the charge was fraudulent other than the geographical limitations of an authorized transaction occurrence. I am continuing to dispute this matter.
Consumer complaint received 2016-03-21
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: SOUTHEAST MORTGAGE OF GA INC (GA)

Southeast Mortgage, XXXX, GA was the lender on the purchase of our home in XXXX Ga. On XXXX XXXX, XXXX. The process for the FHA streamline loan took 71 days from initiation - excessive and unacceptable. The XXXX Lead Representative assigned appeared to lack the knowledge of the FHA requirements and process. For example, we were not provided information on our responsibilities to get the contractors, forms which contained the FHA requirements were not provided. Questions on our part to wade through this process were almost always answered with 'the requirements for the FHA streamline process changed in XXXX '. The lender should be educated in these changes and pass on information which helps the consumer to get through this process. I did my own research, my son created his own contractor form based on the information received by the lender. When submitting, the rules changed several times. First, the bid information had to be received from XXXX contractors, listing the cost and labor for the proposed renovations. Each time we submitted what the lender required we were told 'just XXXX more document and we 'll be good '. Delays due to this, lack of response to emails and phone calls added to the frustration. When we were told the appraisal could now be ordered, it was n't because the underwriting process was slow and when issues were discovered our application went to the bottom of the pile. After many complaints to the lender, we would get some movement, but again were told it was due to FHA requirements. Once the appraisal was finally ordered, and completed, we were told a new form had to be completed by the contractors which was our responsibility to get completed, signed and returned. We travelled over an hour to meet with the contractor to get this done same day and returned to the lender. Once received by the lender, we were told it had to go through underwriting again, which took several days. We are now at 45 plus days in process. When told the new form required a contractor resume, the contractor failed to provide since his references and all contracting information had already been provided. We had to resubmit all our information for a regular FHA loan. Again the forms had to go through underwriting, another appraisal had to be ordered. XXXX extensions had to be filed with the owner to keep the home in process. Finally, we signed on XXXX XXXX, XXXX. Three months we had to stay in hotels and with relatives and pay for the storage of our belongings because we moved from Arizona to Georgia. The cost to us waiting on this process was more than a month longer than we expected. Tensions and frustrations are beyond explanation. Southeast Mortgage motto is to make the experience Awesome and not average. It was AWFUL not Awesome.
Consumer complaint received 2016-03-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (OR)

I get repeated phone calls from Midland Credit all day, every day starting just after XXXX XXXX. until XXXX XXXX.. The only day missed was XXXX. I am retired, owe no one and have no previous unpaid debt. They may even call 5 minutes apart, but usually 3 to 6+ times throughout the day. They call Sundays starting early, too. No one else lives here. This has been going on for a year, along with all the other offshore scam calls and fake threats from the " IRS ''. My theory is the calls may relate to someone who has listed me as an emergency contact, or they are trying to scare me to try to extort money from me for a bogus claim. If they think I owe them, they should contact me by mail. They have not done so, so I can only assume they are scammers. I think these people consider the XXXX to be prey. They never leave a message, so I consider this plain harassment.
Consumer complaint received 2015-11-06
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Continental Finance Company, LLC (PA)

Called my Human resources dept on XX/XX/XXXX, told them I needed to contact them and needed to serve me paperwork at work. My HR rep told them they are not allowed to serve me paperwork at my place of employment. I then called the number back and they told me, XXXX XXXX was name of person, that she was a Law firm, garnishing my wages and faxing paperwork to my employer to do so,. They said it was a " charged off " debt from XX/XX/XXXX with Continental Finance. I asked for their address of business, she refused, said she had to protect their employees, I asked for a copy of the paperwork she was referring to or a copy of the debt, she refused. She then began screaming at me, tells me she could force me to sell my house for the debt and I would loose my house. She said if I called her back she would sue me for harassment.
Consumer complaint received 2016-03-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

After exercising my right to legally terminate my lease, XXXX XXXX XXXX has put a collection against me for XXXX. They hired Fair Collections and Outsourcing who still has a collection against me that is effecting my credit score and almost cost me my chance to rent an apartment. They have also put this collection on my former roommates credit, as well as her co-signer 's. 

Clearly the allegation of debt is BOGUS, for not XXXX, but two reasons : ( 1 ) If apartment was re-rented in XXXX, the only rent we could possibly owe, if owed at all, would be for XXXX, which was {$1400.00}, NOT {$4400.00}. And ( 2 ) we legally terminated the lease, irrespective of re-rental, effective XXXX XXXX, 2013, as explained in full in your letter, dated XXXX XXXX, 2013. 

We 've sent them documentation in 2013 which contained the law that our former landlord broke that legally released us of this debt ( such as work work they refused to do to keep our building safe - like faulty lights and electrical outlets, plus the law they broke about rerenting our apartment once we left which then releases us of any debt. ) In XXXX of 2013 they wrote in the letter that we had 30 days from receipt to dispute the validity of the charges. We called their service department and was asked to e-mail documentation to them to support our cause. We never heard from them from that point. 

I request that you investigate these chargers and ask them to remove these faulty claims. We worked with the XXXX XXXX XXXX and they have all the documents that support our case. XXXX did not take us to court as they threatened but we will happily do so if these charges are not dropped.
Consumer complaint received 2016-03-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

My mortgage payment jumped {$420.00} from on month to another. When I reach our to PennyMac Mortgage they said it was due to an Escrow analysis to cause the jump in payment. My calucations for the reason for the increase did not add up. They claimed there were shortages due to them placing forced place insurance on my loan. However my policy with XXXX never expired that would require they place forced placed insurance on my loan. The only change was my insurance premiums did rise from {$1400.00} to {$2100.00} totalling a {$660.00} increase. When I asked why they would charge me and extra {$420.00} a month for the next 12 months, Pennymac response was we have to get back with you. This is unexceptable! I paided the extra {$420.00} to avoid any late fees and negative credit reporting. After 7 days PennyMac has not responded back to my request for a full investigation on why they tried to charge me for forced placed insurance.
Consumer complaint received 2015-07-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (FL)

Hi, my name is XXXX XXXX, l would like to file a complaint against wells fargo bank in XXXX XXXX, fl.XXXX for mishandling funds in my checking account. they close the account so l want have showing proof what l had in the account and have access to loginto my account to my knowledge l had {$5000.00} XXXX dollars at that time. the moneythat l had my account was for college, l, am a XXXX in college taking XXXX. lwould like to receive my funds back in a check or whatever. Thank You.
Consumer complaint received 2016-01-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC. (SC)

This company is by far the worst company ever, they are very rude, not helpful, and causing stress to my already stressful life. I called this morning and I spoke with a rep. by the name of XXXX, she was so nasty and rude to me it was unbearable to even finish the conversation, she called me a liar and stated that they are not removing anything off of my credit. I explained to her that the item is incorrect and that it 's been removed off of my XXXX report, so why is it so hard for it to be removed XXXX, she told me that she doesnt have anything to do with that and does n't care and that her company will not be removing anything. I 'm very upset about this issue. I will be hiring an attorney and we will be pursing in a lawsuit against this company. I do n't want any more harassing phone calls about this debt that is n't mine. They have caused great harm and embarrassment, contacting family members, non-family members and my job. I 've asked them several times to not contact anybody in my family, job, etc. and they continue to do so.
Consumer complaint received 2015-07-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (OH)

Wells Fargo Dealer Services is refusing to honor my SCRA Request to lower my APR of 11.49 % to 6 % while on XXXX. I have faxed my request, along with orders, to them XXXX times, as well as emailed them, and sent them via USPS Certified Mail with Return Receipt. Wells Fargo still says that they have not received anything from me and refuses to honor my SCRA Request. This is the XXXX year in a row that they have denied my request.
Consumer complaint received 2016-03-19
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (AZ)

I would like to lodge a formal complaint about the customer service I received from Wells Fargo Bank employee XXXX on XXXX XXXX 2016 and she is based in XXXX. 
Her employee ID is XXXX and she is based in XXXX AZ She was not helpful on the phone and I was called Madam several times, even when I told her I was a man. 
I would like an formal apology from Wells Fargo and she should be disciplined by management.
Consumer complaint received 2015-11-11
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Our California Home was Foreclosed on in 2008 after trying to get Mortgage reduction. There was a XXXX and XXXX, purchase money Loan originated by XXXX, subsequently taken over by Bank of America. 
Approximately two-years after the foreclosure, we began getting " Past Due '' statements from B of A, each month adding service charges. this has continued for every month, each time increasing the " Balance Due '' amount. 
Also during this time, we have recieved Warnings that they ( B of A ) are going to " Foreclose '' which already took place in 2008. 
California is a " No Recourse state '' and we received aknowledgement from the state. 
However, we have made numerous calls and spoken to numerous individuals at B of A who have apologized and said the matteer would be resolved, but it has n't been. 
B of A stopped reporting the deliquency to the credit bureaus a couple of years ago, and we have been told that the loand was " Charged Off '' but we continue to receiver the " past Due '' notices, each time with an increasing balance amount. 
Please helpT
Consumer complaint received 2016-03-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (ID)

On XXXX/XXXX/16, I ordered a billpay payment from XXXX XXXX XXXX to pay {$2300.00} for my XXXX house payment. It normally takes 2-4 days for the billpay payments to get to Seneca Servicing to be credited, and there is a 15 day grace period, and it is simple interest, so it does n't matter if I am early or late on my payment, the same interest is applied. I have used billpay for over 5 years, and they never miss payments. Seneca has not credited my payment, and I contacted them to find out why. They claim XXXX holds my money for a week or longer after they take the funds out of my account to make money from me, and then they send it off. THAT has never been my experience. Up until 3 months ago, even my Seneca payments were credited within 2-4 days. Now, it is XX/XX/XXXX, and nothing has been credited. 
I called Seneca who told me to call XXXX to see where the money is. XXXX mailed it to Seneca. They explained to me that they no longer have a relationship with Seneca, so they do n't do digital payments to them any longer, they have to mail paper checks, which they have the last XXXX checks - coincidentally, the last XXXX checks were credited, 9, 11, and 13 days after they were sent by XXXX. I called Seneca back and asked them to look for my check, the address sent to was verified, and there is no reason XXXX would hold my money - they have issued larger checks than this through bill pay, and never a problem. Just with Seneca - so the disconnect has to be with Seneca. 
They told me I now have a late charge of {$87.00} and that if I do n't send a new payment, then I will get reported to the credit bureaus for a 30 day late. I said I ca n't stop payment because you will charge me when you finally get around to depositing the billpay check, so now you want me to pay another {$2300.00} when I am not due yet, and I ca n't pay other bills because I wo n't get paid until next week. They said again, yes, we will charge a fee if the check does n't clear our bank - and yes, we will report you to the credit bureaus if you do n't pay within 30 days. I said, I paid on time, you have n't credited me. Do you look at the post mark on the envelope when you finally cash my check? We credit your account the minute we get your check, then if it does n't clear, we back it out. So we do n't look at post marks. 
I am at the mercy of Seneca 's mail room sorting my check. The check had all the same identifying information as all the prior payments.
Consumer complaint received 2016-01-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP (CO)

I called regarding a bill sent to me from a lawyers office. I gave my information when asked. I let the man who answered the phone know that I had already paid the bill and did not know why it was in collections. He told me to send proof and told me to have a good day.i said for him to wait and not hang up on me. He did any way. His name was XXXX. I called back to have XXXX answer the phone. I asked why he hung up on me when I was not finished talking to him. He told me the conversation was over. I told him that on his end but I asked him not to hang up on me. He asked what else he could do for me. I stated that I needed to know what they excepted for proof of payment. He stated he did n't know. I asked how he could not know if he wants me to prove it was paid? He continued to tell me he did n't know. He told me what ever I wanted to use. I asked to speak to his supervisor and agreed that the conversation was over with him. He told me the outcome was not going to be any different. I again informed him that our conversation was over and please give me his supervisor. He put me on hold and his supervisor came on the line. I did not catch his name. I asked the supervisor if he could tell me what forms of proof they excepted since XXXX as not trained right and could not tell me. The supervisor told me he too, did not know and it was up to me. I told him if they had no protocol and it was up to me, then how about a verbal statement. I then verbally told him I paid the bill and asked him if that was ok? The supervisor stated he was hanging up on me and did.
Consumer complaint received 2016-03-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (FL)

Wellsfargo Asc is a tax that I paid XXXX in interested when it was a deeds liun that that 's false find the document and it also says I 'm texting and driving to home I do not been home I agreed to the terms of the main and with the home and the date that I saw that they allowed me to pick so and I was n't home and tax so it 's first try a document scenario is a predatory lending but it 's also frustrating not to mention you use my utilities after I request them to be turned off the day after I moved
Consumer complaint received 2016-03-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

On XXXX/XXXX/16 I sent a check to my mortgage co. in the amount of XXXX once they got it they changed it into an electronic check and then submitted it to my bank for the amount of XXXX my check was clearly written out on the second line ... XXXX XXXX XXXX dollars and XXXX once this check reached my account I was charged O.D. fees and return check fees which the mortgage co. said they would return to my bank only if my bank sent them a statement promising they would cash them a check for XXXX I'am sure there is a law against check fraud and this is a scam if I ever saw one I'am tired of being walked on and companies getting away with it just because I'am a nobody, well not this time I almost ended up in the hospital over this and I want restitution, whatever damages I can sue for I want to fight to get also I refuse to make another mortgage payment until this matter is dealt with I can not afford to have them do the same fraudulent act I will be sure to put the payments in my own care until this matter is done then and only then will they get whats owed I also refuse to pay them late fees on future payments I do not have the money to keep paying for their fraud, please help me get restitution On XXXX/XXXX/16 I sent a check to my mortgage co. in the amount of XXXX once they got it they changed it into an electronic check and then submitted it to my bank for the amount of XXXX my check was clearly written out on the second line ... XXXX XXXX XXXX dollars and XXXX once this check reached my account I was charged O.D. fees and return check fees which the mortgage co. said they would return to my bank only if my bank sent them a statement promising they would cash them a check for XXXX I'am sure there is a law against check fraud and this is a scam if I ever saw one I'am tired of being walked on and companies getting away with it just because I'am a nobody, well not this time I almost ended up in the hospital over this and I want restitution, whatever damages I can sue for I want to fight to get also I refuse to make another mortgage payment until this matter is dealt with I can not afford to have them do the same fraudulent act I will be sure to put the payments in my own care until this matter is done then and only then will they get whats owed I also refuse to pay them late fees on future payments I do not have the money to keep paying for their fraud, please help me get restitution. Any proof you need I have up to and including my carbon copy of the check that I wrote them I have been making the same payment for 10 years plus no excuse for this fraud.
Consumer complaint received 2015-06-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (NV)

I am still in bankruptcy and they are harassing me saying I have not paid when I have been paying and so has my Trustee. They have money of mine and have not applied it to the loan. No one can tell me who my mortgage company is I think it is XXXX XXXX but Select Portfolio Servicing says that they can not tell me. They are scammers and I am XXXX years old and an Veteran I served my county and I do not deserve to be treated this way/Thank youXXXX XXXX
Consumer complaint received 2016-03-19
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CITIBANK, N.A. (CA)

This debt was more than 7 years old the company continues to contact and harass me. I do n't owe this company anything. The debt that I had was through another company, I have asked them several times to stop contacting me but they still continue.
Consumer complaint received 2016-03-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (GA)

This account falls under the 4 year statute of limitations and has been removed from my credit reports on XXXX XXXX, XXXX after the allotted time for the dispute. I see now as of XXXX XXXX, XXXX that this account has been replaced on my credit report. 
Dispute Results XXXX received your request on XXXX XXXX, XXXX and completed their investigation on XXXX XXXX, XXXX. 

****Result : Deleted - XXXX has deleted the account or record from your XXXX credit report. XXXX Account Name Original Creditor Open Date Status Balance {$1400.00} MIDLAND FUND XXXX XXXX XXXX XXXX, XXXX Open {$1900.00}