davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Cohen, Roberts & Associates, LLC (MD)

On XXXX XXXX 2016 at XXXX est I received a voice recording message from XXXX XXXX ( XXXX ) and employee of Cohen, Roberts & Associates, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ohio XXXX Phone : XXXX Fax XXXX. Asking me to call her back and threatening and informing me that she was planning to take a lien out on my property for a debt she had yet to identify. When I inquired what was this about she informed me of a service that was suppose to be handled under and Homeowners insurance claim. She then accused me of canceling that claim ( which I did not ) and then XXXX XXXX began to repeatedly threaten to have lien placed on my home ( again als stated in the voice message recording ), I was repeatedly threatened to be hung up on and to taken to court and sued, it was repeatedly insinuated that I was lying. I pleaded with her about her tone and she stated she was doing me a favor of calling me because she could just put the lien on my house. She purposely, provided misinformation regarding the customer satisfaction survey I filled out from the debt holder stating that I had " given them all XXXX '' and question why I made no mention of the electrical fire issue the company caused. When in fact I did on section XXXX of that customer satisfaction XXXX Form. I repeatedly tried to get her to reduce the threatening and aggressive language towards me yet she would not repeatedly threatening to place a lien on my home for the debt. At one point I was practically in tears due to the emotional trauma and stress she was inflicting. Which she replied, " maam i 'm just trying to collect debt, I 'm going to be paid regardless if you pay the debt or not and have a lien put on your house ''
Consumer complaint received 2016-05-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GATEWAY FIRST BANK (NV)

On XXXX XXXX, 2015, I emailed XXXXXXXXXXXX a copy of a delinquent notice I received for my XXXX bond. The payment was due XXXX XXXX. After receiving no response, I called and spoke with your customer service agent XXXX XXXX on XXXX XXXX. He was very helpful and asked me to resend the delinquent notice directly to him. Several days later I received a voicemail message on my home phone from another Gateway employee that they had corrected the problem and payment had been made. 

On XXXX XXXX, I received via Certified Mail a notice showing that the original amount due had been paid, but the late charges were not. This was sent via email to XXXXXXXXXXXX on XXXX XXXX. Another follow-up email was sent XXXX XXXX after I had not received a reply. 

On XXXX XXXX, I received a second certified letter, so I called Gateway again. I can not remember the name of the representative I spoke with that day. Rather than just trying to get payment made I asked for an explanation why your company has such a hard time with a simple escrow payment. I was assured after XXXX minutes on the phone that a computer error was corrected and payment would be made. 

Through indirect channels, I learned my home was being prepared for auction to pay the outstanding balance. The XXXX bond website still shows XXXX has not made payment at XXXX Since I have a vested interest in maintaining my home, and Gateway 's staff appears to be functionally incompetent, I paid the outstanding fees via personal check on XXXX XXXX. 

Because all late fees incurred were caused by the failure of Gateway, I demand immediate reimbursement for the {$290.00} I paid to satisfy the outstand amount due as set forth in 12 CFR 1024.34 of the RESPA. I also request Gateway make any necessary changes to ensure all future escrow payments are made in timely manner.
Consumer complaint received 2017-03-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (CA)

This is my second complaint about GMfinancial. I make extra payments each month and ask them to place the extra amount past my regular payment and they keep placing the extra money on the next months due and future payments. I specially am making extra payments to the principle so that I can pay my car off sooner because my income will drop. Please how can I get this resolves so that I do n't have to complain each month or call them each month and they still get it wrong. 
I need help. They just want to take the extra interest money from me monthly.
Consumer complaint received 2016-05-19
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank Slate Card : Handling of dispute between myself and an automobile repair facitlity was grossly mis-handled and after being assured that it would be investigated and I contacted if anything updated, the disputed {$150.00} charge was put back onto my card on XXXX/XXXX/16 without so much as a message to that effect.
Consumer complaint received 2017-03-19
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Numerous calls to my cell phone ( which number they should n't have. ) Debt is long past statute of limitations ( 2009 ) Company engages in caller ID " spoofing '' Unfortunately, I can not transfer call logs from my cell phone.
Consumer complaint received 2017-03-19
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was trying to file my 2016 taxes through XXXX and when I attempted to register for that, I could n't because they could n't match my information with the credit bureau. I checked my information that I submitted and I was correct and somehow it was n't matching up. I think this is because I do not have any credit history. Anyway, I then went to the credit bureau that they use ( TransUnion ) and tried to get it sorted out. I registered an account and in the process they asked something about monitoring and it did n't explicitly say that it cost anything and at that page there was no fine print to read about it so I went ahead with it. I went back to XXXX to see if maybe something had changed since I made an account with TransUnion and nothing happened. Eventually I used an alternative tax filing software. In the process of filing my taxes, however, I went to my online bank statement and noticed a hold from TransUnion and wondered why. Then I realized what it was when I remembered that they had asked for a payment and I gave my payment information ( debit ). I still cant access my credit information and they have taken my money. Now I want to cancel whatever I signed up for through their cancellation feature but in order to do that I need to have my credit information match their credit information and it still wont do that. Its a catch 22 and I have no clue what to do other than call them and cancel. They are making it very difficult to cancel what I unknowingly signed up for. Thanks for reading this and have a nice day.
Consumer complaint received 2016-06-15
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Card Receivables Fund Incorporated (FL)

I have asked Unifund to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2016-05-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TN)

Paper dated XXXX/XXXX/XXXX shows Chase did not pay my land taxes, although they took out the money, via my escrow account. The XXXX XXXX XXXX statement shows they paid the taxes the years they had the loan. I had to pay XXXX taxes myself, that 's when I found out Chase had not paid XXXX taxes either, this was about the time Chase sold my loan to XXXX XXXX. Now Chase will not reimburse the over XXXX dollars I wrote a check for on my XXXX taxes, or any money I paid to them on my XXXX taxes. Now XXXX XXXX has caught up my taxes to secure the loan resulting in my house payment increasing. I have included all paperwork to support this.
Consumer complaint received 2017-07-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On  XX/XX/XXXX  Bank of America, N.A., sent me a letter stating, after being offered a Trial Period Plan or modification, you notified us that you did n't wish to accept or complete the offer. Absolutely, because Bank of America, N.A., and   XXXX   XXXX   attempted to persuade me into signing 40 more years on to a condominium that is severely underwater, costing me over {$120000.00} onto an existing mortgage. Not limited to overcharging me more than what the State of Illinois require for the escrow of taxes. I have requested in writing for Bank of American, N.A. to stop inquiring concerning my credit worthiness. Bank of America, N.A., in not in compliance with the fair credit reporting act and has thus far violated my fair credit rights according to the FCRA. Bank of America, N.A., was discharged in bankruptcy in  XXXX . Bank of America, has pulled over   XXXX   XXXX   inquiries concerning my credit history. After I repeatedly stating verbally and in writing I was not interested in the   XXXX   XXXX   Standard Modification Program Trial Period Plan. Yet I continue to be harassed by Bank of America, N.A., employees. This is against the FCRA and needs to thoroughly investigated.   XXXX   XXXX    Home Loan Team of Bank of America, N.A. is the latest employee who inquired about my credit. I made it perfectly clear, to Bank of America, N.A, to stop looking into my credit. I never applied for a loan or a refinance with Bank of America. I made a decision that I was not going to work with Bank of America, sent this in writing in  XXXX  and in  XX/XX/XXXX . I continue to be harassed by Bank of America, N.A., Bank of America, N.A., continues to violate the FCRA and credit worthiness by continuing to inquiry about my credit worthiness. After making my decision to work with Bank of America, N.A. and to remove their inquiries. My request have been ignored and Bank of America, N.A., continues to harass me by consistently pulling inquiries. Please investigate this matter thoroughly
Consumer complaint received 2016-10-17
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I completed paperwork to finalize a deed in lieu with Select Portfolio Servicing XX/XX/2016. regarding the property located at XXXX XXXX XXXX , XXXX Georgia XXXX. I requested a copy of the deed in lieu documents I signed XX/XX/XXXX and was told by XXXX XXXX of XXXX ( the third party used by Select Portfolio ) that I could not have a copy but I could take a picture of the documents. I then requested a copy of my signed deed in lieu documents from S.P.S but never received them. Instead, I was told that I will receive a copy of them after everything is completed. I am still waiting on the final walk through of the property. Select Portfolio said an inspector came by the property and and deemed some one was living in it. In the past, I had people to oversee and watch out for the property to keep it from being vandalized. I have removed any and all security measures as having a parked car in the driveway and a sign on the fence to give the appearance that some one is living there. I will not be responsible for any damage to this property. I still had to have some one come around to maintain the yard etc. If not, I will receive a fine from the county. This puts me in a slight dilema because S.P.S said no one should be in or around the property. If the person is there to cut the grass, pick up trash or perform a safety check is that allowed? The final walk through needs to be done ASAP because the XXXX lien approval expires XX/XX/2016. This will be the 3rd time the XXXX lien approval has expired. I have requested the name of the 3rd party company who will contact me for the final walk through. Today I was told that I do not need to be contacted or present for the final walk through. ( by XXXX XXXX ext XXXX. Which one is correct? Will I or will I not be contacted regarding a final walk through?
Consumer complaint received 2017-01-30
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Utah System of Higher Education (NC)

The above options do not apply to my situation, so I just picked XXXX. Actually, they never call me! Which is part of the problem. In short, I try and make payments and they repeatedly send it back unpaid. I have successfully made XXXX payments since XX/XX/XXXX. They have now reported delinquent payments on my credit and are trying to force me into deferment. Making payments online does n't work and paying by phone does n't work now. I was told I need to call every month or sign up for automatic payment. I refuse to do automatic payments because I believe they are inept to handle it. I 'm never allowed to speak to a supervisor and they will not take care of the delinquency on my credit unless I agree to defer. Is there anything I can do?
Consumer complaint received 2016-06-15
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Convergent Resources, Inc. (AZ)

I 've received repeated calls from a company that my caller ID says is " XXXX XXXX. '' I answered and was told it was " Convergent Outsourcing. '' The person on the line said they were calling about my business with XXXX and asked me to confirm my address or the last XXXX digits of my social security number. I refused, saying I would not until they told me why they were calling. She refused, said they sent a letter ( I never received one ), and said she would send another one. I said ok and hung up. 

They never disclosed whether or not they were seeking a debt ( though Convergent Outsourcing is a collector ). Furthermore, I owe no debt to XXXX. I concluded my business with them some time ago.
Consumer complaint received 2016-10-16
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (IL)

A charge to my debit card for a XXXX in XXXX XXXX was made on XXXX/XXXX/16 ( I live in XXXX and have never been to XXXX ) for {$980.00} and {$41.00}. I immediately called Chase Bank to report the fraud, and they temporarily credited the money back to me. On XXXX XXXX, they reversed the temporary credit because " my card has a chip and the chip ca n't be duplicated ''. I spoke to a supervisor, opened up the investigation again, and received another temporary credit. Now Chase Bank decided to permanently give me back the {$41.00}, but is reversing the temporary credit of {$980.00}. I will call again and try to speak to someone regarding this, but right now " the system is updating ''. I 'm frustrated beyond belief, and I plan on closing my accounts with Chase Bank after I receive the money that was stolen from me.
Consumer complaint received 2017-01-30
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: ENCORE CAPITAL GROUP INC. (GA)

We made a dispute with our credit card agencies agains Midland Financial Services because we noticed a debt that either my husband or I even knew about. We were out of country when they put this on our credit report. 
After investigation, the so called debt from Midland was removed from both my husband and I credit reports -3 times!!! This took place first XX/XX/XXXX then XX/XX/XXXX. 

Today, XX/XX/XXXX, Midland Financial garnished my husbands wages for a debt we have no idea about and they could n't even prove it because the credit agencies removed the debt off our reports. This is Illegal and unacceptable. We feel helpless in this situation. 

Please Help.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit cards, loans, collections, bankruptcy.. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

Accounts that need to be blocked and removed from credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2017-03-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Nelnet, Inc. (KS)

As of today 's date, the amount on my Parent loans is approximately {$36000.00}. The original loans totaled {$21000.00} without interest. The interest accumulated is $ XXXX ... only {$6000.00} shy of the amount loaned! At the time I incurred this debt on behalf of my twin daughters, our household income was {$90000.00}. Now, due to an unforeseen layoff, I qualify for a {$0.00} payment due to my income level from work which is, and will remain {$0.00} since I am XXXX and can not secure work. However, rather than reapplying each year for ( IBR ) or pay as you earn or ( ICR ) until death, it was and is my desire to renegotiate the terms to settle this loan. I tried with the Dept. of Education through both XXXX and now Nelnet to settle my debt by either paying the interest or the original balance or a small portion of what 's due rather than nothing at all and then being forgiven through special circumstances or with President Trumps forgiveness of loans after paying {$0.00} on them after 15 years which would put me in my late XXXX. I know others have renegotiated terms but only after they 've defaulted on their loans ... something I will not do. I want to repay my debt and find it difficult to believe that they 'd rather have me take bankruptcy or be in default so that they 'd end up get nothing rather than renegotiating terms to settle and at least get a portion of what is owed to them. I am willing to pay the initial amount borrowed ; surely they are in a position to waive all the thousands of dollars of interest accumulated up to this point ... from the year XX/XX/2008. We have been at this for a couple of years trying to work with Ombudsmen who have no authority and other agents who have even less with no resolution. I hope you can help. Thank you.
Consumer complaint received 2016-10-15
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

XXXX closed my credit card account with no explanation as to why. They claimed it was due to past behavior, but they will not reveal the source of this alleged information. I seek to know where this information came from. I also seek to have my {$25.00} returned to me, as they made me close my IRA account and transfer the funds to another broker. If I did n't do that, they would have closed the account, and withheld XXXX % due to tax law - instead of just leaving it in there. 

They want to close the accounts - fine - but they should not charge me money for doing so. Also, I want to know the source of the negative information about my " past bad behavior ''. This source could be in error - but they wo n't tell me what it is or where they got it. I expected better from the CFPB in bringing this information to light.
Consumer complaint received 2016-05-19
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (GA)

I opened an American Express gold card last year when booking XXXX XXXX flights to XXXX. The card advertised XXXX free miles to Gold AMEX customers. The miles were to be credited within a certain time-frame. As the miles were never credited to my account, I called American Express and complained. I was told that I was not eligible because I previously had an AMEX gold card. After I complained that this was not disclosed, the agent promised to credit the miles to my account. Several months letter, I followed up with another phone call only to find out that AMEX had no intention of crediting my account. They claimed that this was disclosed when I opened the account but could not tell me or provide me with any back up information to substantiate their claim. I notified them that their practice was illegal and told them I would be filling an official claim. Sure enough, they are sticking to their story - they notified me that this was disclosed during the on-line application process. I was not aware of it and as far as I am concerned, this was not disclosed. They can not prove that this was disclosed and none of my disclosures that I received show this being disclosed. What prevents AMEX updating their disclosure a year later and claiming that I was subject to it? I think that this is a deceptive practice to lure people into products which they otherwise would have no interest in attaining. What are my rights here?