davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

In 2006 ( approx ) we refinanced our home with what we did not know at the time was a predatory broker ending in a predatory loan. The company which we were refinanced with was originally XXXX XXXX but then we were shortly sold off to Select Portfolio Servicing ( SPS ). At the time we refinanced our home we were not in any financial difficulty. We had, and still have " XXXX '' credit. We were refinanced for more than the home was worth at the time and given a adjustable rate that we were told we would be able to refinance out of before it adjusted. We also were unaware that the company and agent we started with, XXXX XXXX at XXXX XXXX XXXX did a comp on our home and not a true appraisal, which is why they were able to give us the amount of money they did. We were unaware of this as we were first time military home owners. They also gave us an 8.625 % interest rate ; we had a 5 % interest rate when we bought and had the same credit ( probably better, at the time of the refi ) We have been turned down for refinances because the mortgage is not XXXX or XXXX XXXX backed and because we were forced to XXXX they look at this as a second home and not our primary residence. SPS has turned us down for modifications telling us to sell property and continue to pay. We have now opted to short sale as we have been XXXX two additional times, and my spouse is now going out of the country. We have not been late but there is no help for those who have not been late. This year we started the short-sale process. SPS has taken over three weeks to approve the offer and in their documentation they state that once they get all mandatory paperwork it will take 10 days for a decision. The buyers have now backed out of the deal because SPS is not giving us any updates. SPS assigned us to a Relationship Manager who we are never able to speak to, and does not return calls and does not speak to our Broker who has been working the short-sale. Each time we call we have to talk to who ever answers the phone though they say they have a division in the company that handles Short-sales we are't allowed to speak with them. We have rented out our home for the majority of the time we have been unable to live in it but suffered damages due to renter. The home has been on the market since last year, we have adjusted the price several times and now that we had the luck of a contract SPS has stolen this from us.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NY)

In XX/XX/XXXX Credit Acceptance Corporation closed my account ( XXXX ) referring it to an outside lawyers office for handling. The account with Credit Acceptance was opened in XXXX of XXXX. After 5 years and 3 months of the account being reported as " Closed - Referred to Outside Collection Agency/Attorney '' - Credit Acceptance re-opened the account, along with falsely updating the payment status to reflect past due 120 days. During a time in our world where we are not promised tomorrow, I find it extremely disappointing this company would resort to these measures. Credit Acceptance is intentionally reporting these inaccuracies to further delay the statue of limitations of this account. As previously stated, with this account being reported as Closed since XXXX, it was scheduled to be removed from my credit report in XX/XX/XXXX. With the current reported information it has extended the time until XXXX. I never received any calls from Credit Acceptance requesting the account to be re-opened, neither the co-applicant or myself make any payments on this account nor were there any recent payment arrangements. In contacting the Credit Acceptance I spoke with a Supervisor by the name of XXXX - who stated the following : " I'm quite sure us reporting the account closed for five years benefited you but I have nothing to do with that ''.
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

I purchased a flight from XXXX XXXX on XX/XX/2020. The flight was XXXX fri XX/XX/2020 from XXXX to XXXX. Arriving at XXXX ; XXXX. returning XX/XX/2020 flight XXXX leaving XXXX arriving XXXX ; XXXX. With my Chase slate card. The airline changed my Friday flight to Sunday arriving XXXX cutting the time of my original trip by over half. I denied this flight and wasn't given an option of a refund. I therefore called my credit card company Chase. They were supportive and told me they understood and would take care of it no problem, as it was obviously a significant change. It was credited on XX/XX/2020 in the amount of XXXX. I was pleased and thought it was finished. On XX/XX/2020 I was re-billed for XXXX. I called the dispute customer service on XX/XX/2020 at XXXX. waited for 45min on hold. Spoke with XXXX who informed me that they were only offering a flight voucher. I told her that the Department of Transportation made it clear that any changes made by the airline were totally refundable. Still to no avail I asked for the supervisor, XXXX XXXX was the id she gave me. She said there was nothing she was going to do whether it was the law or not. Leaving me no choice but to file this complaint.
Consumer complaint received 2016-09-07
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Halsted Financial Services, LLC. (TN)

The have repeatedly called my home and work after I have asked that they stop. They are not the actual creditor, but a third party collector. They are rude and threatening. Even when I asked them to stop calling my job they said they would not stop. there are calling me from several different numbers, including blocked numbers. They are calling from thee numbers ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, & XXXX )
Consumer complaint received 2015-09-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Halsted Financial Services, LLC. (WI)

Person called my cell phone first and hung up, he then contacted my home number. I said to this person that you have contacted me without leaving a message or who you are. I told him that I will not give him any of my personal information until he told me what he was calling for. He then started threatening me and telling me to shut up and that he did not have to give me any information. I asked again and again he refused. I told him not to call my house anymore and harass me by cell or home. I also told him that I would report them XXXX. I asked for a supervisor and he once again refused. It then became a shouting match because he called me XXXX. I let him know that I do not talk to debt collectors that I may be reached by mail only. He still refused and said they did n't have to send anything
Consumer complaint received 2020-05-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (OH)

This company calls repeatedly and I never get to know why they are calling they ya g up on my all the time and Ive called them as well they just keep talking in circles or hang up on me again. 

I can never get the chance to tell them to stop calling me or family members phones they just call and hung up constantly. The XXXX says they are legit but I do not believe so at all.
Consumer complaint received 2020-05-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Summary : I purchased a patio set online for {$370.00} at Kohl 's on XX/XX/XXXX using Kohl 's credit card. The patio set was received damaged on XX/XX/XXXX, and returned to Kohls on XX/XX/XXXX. On XX/XX/XXXX, I received a credit on my Kohls card for {$300.00}. I called Kohls on XX/XX/XXXX to find out why I received an incomplete refund on the return. The representatives and finally XXXX, the manager, repeatedly stated that I would receive {$70.00} in Kohls XXXX instead on my full refund, since I already used the {$70.00} I received on the patio set purchase. But, I did not use the {$70.00} Kohls XXXX. Background details : Based on my XX/XX/XXXX purchase amount, I received {$70.00} in " Kohl 's XXXX '' that was valid XX/XX/XXXX - XX/XX/XXXX. I placed an order on XX/XX/XXXX using the {$70.00} Kohl 's XXXX ''. The next day the patio set was received damaged. When I spoke with Kohl 's on XX/XX/XXXX, to discuss the return of the damaged patio set, I also asked if they could cancel my XX/XX/XXXX order that I used the Kohl 's XXXX  on, since I knew Kohls policy would be to charge me {$70.00} cash ( because of the return ) if I didnt cancel the order. They said since the stores were closed, the only option is that the order would cancel automatically if I didn't pick-up the order curbside. I received notice on XX/XX/XXXX that Kohls cancelled this order which used the {$70.00} Kohls XXXX. Once this order was cancelled, the {$70.00} Kohls XXXX was in fact not used, and I did not in fact earn {$70.00} cash on the patio set after it was returned. I find it unethical, and may illegal, that Kohls is receiving my money and returning it as Kohls XXXX and will not provide me with a complete monetary refund on my returned purchase.
Consumer complaint received 2016-07-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (SC)

I am the XXXX for my XXXX year old Mother. In XXXX of 2015 I was XXXX and unable to take care of our finances. My sister-in-law took advantage of the situation and stole my checkbook and credit cards as well as my Mothers. She went so far as to divert my telephone calls to her cell phone and took all the mail from our mailboxes. XX/XX/2015 I was able to have my phone fixed and began to receive calls from a branch of BB & T in XXXX, SC and we discovered that she had stolen both of our identities and accessed our bank accounts and credit cards. I had never had an overdraft nor had my mother and that is when we discovered the extent of what had taken place. Credit cards were charged to the max and forged checks were paid off of my account as well as my Mothers. BB & T did not close my Mothers account at that time. Only when my sister, who is a banker in Texas, talked with BB & T did the account get closed. The bank did refund a portion of the fraudulent transactions that were committed by XXXX 's but not all. My sister-in-law was even allowed to make a draw off of my home equity line of credit by telephone that the bank refused to refund to me, leaving me with an additional {$9000.00} debt I am now forced to repay. When my sister in Texas came home for XXXX in XXXX 2015 she went to the bank to ask about the forged checks. The bank refused to honor the forgeries because it was past a 60 day window. My sister contends that when I first reported the identity theft it was the bank 's responsibility to close the accounts and to advise us to go thru our bank statements to look for forged checks. The forged checks on my Mothers account was in excess of {$27000.00}. 
I did press charges against my sister-in-law and provided copies of police reports to BB & T. I feel like not only did my sister-in-law take advantage of me but the bank did as well. They were not helpful at all and it appeared to me that they just wanted me to go away. I have since closed my checking account with BB & T and my Mother has also closed her accounts as well. I still have the home equity line of credit loan with BB & T but as soon as I can pay it off in full I will never do business with them again. They are in no ways " consumer '' friendly.
Consumer complaint received 2016-08-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

In XXXX, Countrywide sold my mortgage to your company. My payments were extremely high. I called the making home affordable hotline and we talked with a customer service representative with BOA. We discussed my options, and decided that a modification would be a solution. It was explained that documents would be sent to me to apply for permanent XXXX modification. The documents were sent to me via XXXX. The documents required me to get those documents notarized. I took those documents to my local bank XXXX XXXX XXXX and had those documents notarized by their notary. I then sealed those documents in front of the notary inside the return envelope that was sent to me by BOA. This documents was sent back via XXXX. 
Over the years, I have made several requests for BOA to send me the original contract of the first modification from XXXX. I was always told that you had those documents, and would send me a copy to look at the terms. I have never received a copy. I would like to see where the original contract stated that my modification would only be for five years. I was told that my modification was a permanent XXXX modification in the beginning, and that is what me and the XXXX counselor discussed with the customer service representative. 
On XXXX XXXX, XXXX, I received documents form BOA. Those documents did not include the modification loan contract from XXXX. BOA only sent an explanation of what the terms were. They also sent records of my payment history which show consistent payments throughout the life of my mortgage. My mortgage did not get in delinquent until the terms of my modification changed from a XXXX monthly payment to a {$1300.00} payment after a five year period. I applied for a another modification in XXXX XXXX and my payments went up even higher to {$1300.00}. I was told that it was based off my gross income and nothing else. However, back in XXXX ; I had basically the same gross income as I did in XXXX and in XXXX, and under the first modification my payments were {$720.00}. A modification can reduce your monthly payments and help you catch up with payments, because BOA was able to do that with my first modification loan. 
Lastly, I have been calling BOA to speak with the Home retention counselor who is assigned to me, and I have left messages and my call back number. I have not received any response at all. I was following the instructions in the letter that was sent to me from BOA that stated to call the home retention counselor because they had things in place to help ; such forbearance options etc. No one had gotten back with me even though I call daily.
Consumer complaint received 2019-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I am a victim of identity theft and have been trying to get these unauthorized inquires off of my credit. I called, I have sent in letters and I have tried reaching out to the credit bureaus to have these unauthorized items removed.
Consumer complaint received 2016-05-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (MD)

I purchased a car almost 6 years ago. I missed a few payments and extended the life of the loan. The car was and still is in very bad shape and properly should n't have been sold or bought. The transmission had to be replaced, the XXXX went up and had to be replaced, the body of the car is rusted and the paint on the hood is fading which appears that it is a different hood from the original car. It looks as if the car was in an accident. So, when I called because I wanted to sell the car - I was told that the car costs more now than when I bought it six years ago. It 's a 2006 Chrysler Town and Country minivan and Regional Acceptance Corporation says I owe over {$20000.00}. Which means I ca n't sell it because no one will touch me to buy another car with a balance like that.
Consumer complaint received 2020-07-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

When using the app XX/XX/2020 I was preparing to send a payment to an individual. They requested it from me for services. This was prior to the service starting. I was being nice in sending the money prior to the start. The person in question ran off with my money. Blocked my communication and refused to send the funds back. I tried to cancel the payment less than 30 minutes prior to sending the funds. But there was no option to cancel the payment. No option to do anything. ( except ask for a " refund '' of the payment ) I could not even find any useful documentation on contacting cashapp to resolve my issue. So I requested a refund from the individual, sent an email to the company, and have tried to do everything to get this resolved without any communication from either party. 

Beware when sending funds on cashapp because there is ZERO options to cancel the payment, freeze funds, or report an individual. This is a scammers haven and this person has knowingly stolen from at least 3 other individuals ( see attached ) If you make a mistake then that person that just got your funds is very lucky. Because there is nothing you can do, and customer service is a non-existent thing with this terrible company. 

CashAPP, Currently this is an easy way for scammers to take advantage of people online. BEWARE BEWARE BEWARE!!!!!!!!
Consumer complaint received 2020-07-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NC)

As of XX/XX/2020 on Tuesday morning at XXXX my Cashapp account was locked. It has the total amount off {$4500.00}. When I got this notice it told me the account will be unlocked within 24 hours, or to send them an email to dispute the reason why the account was locked. I sent them an email and there online services says they will respond with in 48 hours. Since Thursday morning was more than 48 hours later, I have sent them 3 other emails trying to receive my money that is locked in there account. They have not responded to any of my emails or even attempted to call me.
Consumer complaint received 2020-07-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

I sent two payments through cashapp to someone who was supposed to repair and upgrade a computer for me to start working. He never did any of the work or upgrade and refused to issue a refund on either payment. Both payments totaled {$500.00} and it put me far behind on bills and also made me lose a job opportunity. I have spoke with cashapp several times about it and was told there was nothing they could do or were going to Do to help me and I was basically going to have to take the loss. I tried disputing the charges with my bank with no luck their either. Cashapp let a man steal XXXX $ from me and get away with it.
Consumer complaint received 2015-11-25
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (TX)

In XXXX 2015 I received a letter from a collection company regarding a bill for ambulance service with the City of XXXX. I offered to set up monthly payment arrangements of {$30.00} a month and the balance was {$250.00}. I gave them my banking information to debt my account each month for {$30.00} until the balance was paid. The agreed that this payment arrangement would avoid the account from being reported to the Credit Bureau ( s ). I never heard anything else from the collection company. I received an email that I had a change in my credit report and discovered that, despite our agreement, they reported the account to XXXX. I called the company and they were not willing to remove the negative reporting on my credit report.
Consumer complaint received 2019-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST CITIZENS BANCSHARES, INC. (TX)

a relative stole my identity when i was out of the country, over 9 years ago. XXXX XXXX  has called a debt collector attempting to say they are suing me 9 years later.
Consumer complaint received 2015-06-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: McCarthy, Burgess & Wolff, Inc. (PA)

I have receiving a pre-recorded message of a women voice debt collection agency on from XXXX XXXX with a account that is not mine. I believe I still have an account with which I was making payments, but due to hardship in 2013, I did n't have the money to continue payments. Now, I 'm on a fixed income. They keep calling but do n't say for who it is for. Please can your agency help!
Consumer complaint received 2016-01-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: FIRST HORIZON BANK (PA)

My ex-spouse will be short selling the former marital residence where I hold a home equity line of credit. When contacting First Horizon/First Tennesse bank I was advised they would entertain a short sale and that I as the loan holder would still be able to pay them the full amount so it not damage my credit. I was told by their SVP and chief legal counsel that they are more than happy to accept payment in full and ontime however they still will put a negative mark on my credit report Bc of the word short sale. How on earth can someone be harmed by a negative credit mark if a loan is paid ontime and in full? It does not appear right.
Consumer complaint received 2020-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Collection Services, Inc. (FL)

I received a letter stating that I owe CBCS {$580.00} in which I have no knowledge of this debt. An original creditor was listed as XXXX XXXX XXXX XXXX in which I have never done business.