davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-07
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY (NH)

On XXXX XXXX, 2016 I signed a purchase and sales agreement with the seller of a house with a time line of XXXX calendar days until closing. Having already prequalified for a loan, I applied for a USDA guaranteed loan with TD Bank at their location at XXXX XXXX XXXX, XXXX, NH XXXX on XXXX XXXX, 2016. I conducted this business with assistant store manager, XXXX XXXX. This day of official application I, and XXXX XXXX, signed a rate lock agreement to confirm my loan would be at a rate of 3.00 % ( exhibit XXXX ). This rate lock was to be valid for 90 days. XXXX XXXX stated that the loan would take around or under 60 days to process, and that I would hear from my mortgage processing within 24 to 48 hours. 

On XXXX XXXX, 2016 TD Bank issued a loan disclosure for me to sign and return ( exhibit XXXX ). This disclosure indicated they were processing my application for a loan product other than the one that I applied for ( XXXX instead of USDA guaranteed ). This disclosure also included a new rate lock form, and indicated that my rate was currently " floating '' at approximately 3.8 %. Upon calling and speaking with the assigned processor I learned that they would have to reassign my loan to process the USDA guaranteed loan per my original application, and that my new processor would be in touch with me the following day. 

On XXXX XXXX, 2016 TD Bank issued a loan disclosure for me to sign and return ( exhibit XXXX ). This disclosure indicated the correct loan, but the wrong loan terms. The rate was indicated to be 3.5 %, and not locked in. On speaking with my new loan processor I learned that TD Bank had " no record '' of me having signed a rate lock form for a USDA loan. She also said they had no record of me submitting necessary documents to process the loan that were provided on XXXX XXXX, 2016. I provided my loan processor, XXXX XXXX, a copy of the signed rate lock form from XXXX XXXX, 2016 and asked if TD Bank would honor this document. 

On XXXX XXXX, 2016 TD bank issued a loan disclosure for me to sign and return ( exhibit XXXX ). This disclosure again had the wrong terms, stating that my rate was now locked in at 3.5 %. Also issued by TD Bank on this day was another rate lock form they requested I sign and return indicating that my rate would be locked in at 3.5 % ( exhibit XXXX ). 

On XXXX XXXX, 2016 I informed TD Bank that I was withdrawing my loan application due to their refusal to honor the terms of my original rate lock agreement. Due to the three week delay caused by TD Bank handling my loan in a negligent manner the new lender I applied with sought an agreement to extend the deadline for the purchase and sales agreement between myself and the sellers. Unfortunately, the sellers declined this and exercised their option to walk away from the deal due to our inability to meet the deadline for closing.
Consumer complaint received 2016-12-28
Product: Consumer Loan — Title loan
Issue: Can't contact lender — 
Company: TMX Finance LLC (GA)

This is the letter that was sent to Titlemax headquarters and the actual store on XXXX XXXX in XXXX, GA : TitleMax XXXX XXXX XXXX XXXX, GA XXXX Dear Title Lien Holder, This is in regards to your former customer. She filed Chapter XXXX bankruptcy on XX/XX/XXXX, case number XXXX which included the account with your company. The bankruptcy was discharged XX/XX/XXXX. The filing of the bankruptcy automatically stays certain collection and other actions against the debtor and the debtor 's property. The bankruptcy trustee chose to abandon this asset because it was not worthwhile to sell. This created a non-possessory lien which means that the borrower retains possession of the collateral. This was a non-purchase money lien, meaning the money she borrowed was not used to buy the item. The trustee in the above styled case has filed a report of no distribution and said Trustee has performed all other and further duties required in the administration of said estate. The said estate is closed. In the State of Georgia, there is an exemption up to {$5000.00} in equity in a car or other vehicle. The following test would apply : Is the car a tool of trade, not used primarily for personal, family or household use? The State of Georgia allows an exemption of the current market value of the car Under the title loan agreement, did she retain possession of the car? Did she already own the car when she got the loan ( that is, she did not obtain the loan in order to buy the car ) XXXX XXXX meets the means test ; therefore the title lien is nullified. Please process the lien release and return the title to her within 7 days, we are prepared to seek further legal action if necessary. I have requested the title for over a year now and Titlemax will not give me the title. The car is not running and I need to sell it and I advise Titlemax of this. 
They also refuse to come get the car even though it is too late. Please help! Thank you! 

Also stopping by my friends house on XX/XX/XXXX @ XX/XX/XXXX and stopping by my place of employment looking for me and divulging all my information to my references and my friend and employer.
Consumer complaint received 2016-01-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: North Shore Agency, LLC (NY)

I subscribed to XXXX online and was sent one issue of the magazine. I was never billed for a yearly subscription, and indeed no yearly subscription was ever sent. I decided that they were incompetent and that it was better not to have a subscription. A year or so goes by and I get a bill ( in XXXX 2015 ) from a collection agency. I send XXXX subscription service an email telling them that I am only theoretically responsible for paying for one issue of the magazine and that because they have already severely inconvenienced me, I felt my debt to them had been discharged and that I would be paying them nothing. They responded with an email apologizing and reassuring me that I did indeed owe them nothing. Now, more than a month later, I have received another notice from a collection agency. I owe no money, they have agreed that I owe them no money, and still they will not stop harassing me and damaging my credit rating. I want it to stop.
Consumer complaint received 2015-07-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SUNRISE CREDIT SERVICES, INC (NY)

A company in XXXX, NY continues to call my house every day. I called back XXXX times and spoke to reps and confirmed they have the wrong number and would remove my phone number from their call list. Well they never removed the number and continue to harass. I spoke to a supervisor, XXXX XXXX and was informed they would remove my number.
Consumer complaint received 2015-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NJ)

I am in pending foreclosure and I have been working with Chase since XXXX XX/XX/2013 to try to obtain a Modification Loan XXXX. I have submitted numberous paperwork over time to continue getting new XXXX to contact me to start the process all over again. Asking for similar to the same documents over and over again. I am so frustrated about the way they conduct business that I do n't know what else to do. I hope that I can get help. I do n't want to lose my house. I have steady income and the house needs some repairs which I want to fix but I do n't want to invest money if the house is going to be taken from me. Please help or direct my path. Thank you
Consumer complaint received 2017-02-04
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Bliksum, LLC (CA)

A legal representative from " loanme '' XXXX XXXX called an associate of mine XXXX XXXX on Thursday XX/XX/2017. The representative called in regards to case number XXXX. XXXX XXXX left a return number XXXX to be further contacted. After learning of this call I attempted to make contact with XXXX XXXX on Friday XX/XX/XXXX. After placing the call I was in direct contact with " XXXX '' a legal representative directly. I was informed that there is a small claims case against me in the amount of {$6000.00} and that the case was formed against me after negligence of payment on my account. I was told that unless I pay restitution or that I would be counter sued for the amount owed. The representative claimed their law offices have contacted my former employee, associates, and conducted a background check into my finances without my knowledge. The actions were justified as a means to establish " credit worthiness '' with the law office. I was then told that I received documentation and notice of the pending law suit against me. I informed the representative that they had no legal right to conduct a background check or any further actions against me without my knowledge, to that they replied they were legally covered and justified due to my contractual agreement. I have not received any documentation or notification of a legal case against me. Also Over the course of my line of credit with loan me they have called me numerous times daily attempting to collect payments. I would receive anywhere from 10-15 calls daily from random phone numbers nation wide until I would answer the call. I have requested numerous times to not be contacted excessivley and that their practices are a violation of my rights and privacy, but to no avail. The account from loan me has not been placed on my credit or placed for collections I discovered yesterday XX/XX/XXXX after checking my credit report.
Consumer complaint received 2016-04-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (FL)

Convergent Outsourcing Inc calls my office phone and leaves automated messages several times a week indicating that I call XXXX XXXX. I have called this number and their corporate number XXXX XXXX to request that they remove my number from their call list more than 10 times in the last 3 months. They always assure me that my number has been removed from their robot-dialer but I am still receiving calls. What 's more, they are not even trying to collect a debt from or reach me specifically.
Consumer complaint received 2016-10-20
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (CO)

I was recently contacted by who I thought was the IRS. Upon answering the phone, I was asked whether I was aware that there is a warrant out for my arrest - so of course I immediately panicked. I was then told that because I owed money to the IRS ( of which they knew the *exact* amount, so I thought it was legitimate ), I would be arrested within 45 minutes if I did not pay at least some of the balance due. Because I lived at my place of work, I panicked that a police car would come and arrest me at my place of business - a terrible thought. These scammers knew ALL of my personal information, including my address and the balance due, so again, I thought it was legitimate. As a result I sent them {$500.00} ( which may seem like a small amount to some, but to me is a huge amount of money ). Immediately afterwards I had a bad feeling, and looked up the phone number ( they told me that if I hung up, they would consider it a noncompliance, and that they would send the police ). I saw that I had been scammed. So I called Chase the minute I realized and asked them not to send the money. I begged, pleaded, and cried, but they would not reverse the charge no matter how much I asked them to. I do n't understand what the point of " fraud protection '' is if when I 'm a victim of fraud I am not assisted. I have called several times to no avail. Surely there is something they can do - the XXXX of Chase, XXXX XXXX, makes {$27.00} XXXX a YEAR! If nothing else, ca n't this meager ( to him ) {$500.00} come from his personal account? 4 days after this happened I was laid off - and now I am in dire straights - and simply can not continue to have an account with a bank if they can not treat their customers well when disaster strikes. Please, if you can do anything to help I would be eternally grateful! Thank you so much for the consideration.
Consumer complaint received 2023-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (CA)

RMP which is not clearly licensed in California and operates from Ohio is trying to collect a 2.7 % surcharge on a service at XXXX XXXX XXXX. I am assuming this debt is for my child since I personally have never been to XXXX XXXX XXXX and RMP has been unable to prove that I have been -- just a bill in my name with my insurance ( XXXX XXXX XXXX XXXX XXXX ). In their statements they note that they accept assignment and that they have been paid {$140000.00} but that they absolutely need another {$38.00} on top of that, or they will continue harassing me and ruin my credit. Huge claims for a debt that I did not incur and for which they have already been paid {$1400.00} which is 97.3 % of what they claim is " owed. ''
Consumer complaint received 2016-11-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (CA)

I have been contacted on my mobile phone four times by CMRE Financial Services. The first two times they left a message asking specifically for my child who is XXXX years old. I called the number that was left ( the contact number changes every time ) and was able to speak with a representative who told me that this was a financial matter regarding my child. When I informed the agent that my child was a minor, the representative then said that she needed to verify some information and asked for my child 's birthdate. I told the representative that I would not provide her with my child 's birthdate and she proceeded to ask for our home address. I did not provide that either. I requested that she forward any billing statement or printed materials regarding my child to the address that they have on file. The representative became belligerent and then disconnected me. This has happened twice. I do not know where this stems from and it has me concerned. Any assistance that you can provide would be greatly appreciated.
Consumer complaint received 2017-03-03
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CA)

I was scammed into giving XXXX to a man who stated he did investments He has since not kept his promises. 1 month ago he told me he was going to block my account and I will not get my money back. I posted XXXX with XXXX different banks and this XXXX bank refuses to help me because they said I gave my card number out. I used it as a credit card so I would have the protection but the bank is declining even looking into it. I do have a lot of documentation as well as the other bank processed the dispute.
Consumer complaint received 2015-03-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (CA)

I received services from a healthcare provider XXXX years ago. Recently I got a call from a Collection Agency who said the debt has not been paid. The healthcare provider and I were in agreement that they 'd take care of billing but somehow my name was thrown into the mix. The healthcare agency does not respond to my inquiries about the debt or to the collection agency 's inquiries about the debt. This has a possibility of ruining my credit.
Consumer complaint received 2016-01-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank has been making me to make my mortgage payment in CASH ... on loan number XXXX. I was told that I had to pay in CASH because I was XXXX, and had a previous check ( NSF ), which I tried to explain to them that my vehicle been broken into, and my check book was stolen, and that I had to close the checking account due to attempted fraud on the checking account. No where in my loan documents does it state at ANY time or regardless for ANY reason do I have to make my mortgage payment in CASH only!!!
Consumer complaint received 2016-09-27
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Platinum Holdings Group, LLC (OH)

Premium Asset Services LLC has violated multiple sections of the FDCPA Act, including threatening to pursue criminal charges due to " fraud implications attached to my file ''. Further the company and a very rude, threatening man going by the name of " XXXX XXXX '' has contacted several of my current and also former worker places, along with my father ( he also claims to be an attorney ; if he is, he should be disbarred ). He continues to do so, despite being told not to call. Additionally, I have requested documentation indicating that they own the debt and it has not been provided. Actually, I have a letter from another company indicating that they own the debt. I have been scammed by companies alleging to own debts that they do not.
Consumer complaint received 2016-09-06
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MA)

I received a home mortgage modification with Chase bank 6 years ago. Original mortgage was XXXX. Chase modified my mortgage as follows first 5 years 2 % interest year 6, 3 % year 7, 4 % year 8,4.35 % for life of loan which was a 30 year mortgage. They deferred XXXX till end of note and a balloon payment in the amount of XXXX at end of note. The value of my home is around XXXX right now I guess i owe around XXXX. Are you kidding me? Obama making home affordable act!! What a joke!! XXXX now has my mortgage and I was told there was nothing they can do, as far as i can see, this is criminal. The banks got bailed out, what the XXXX is going on???? I need help getting my mortgage back to where it was.
Consumer complaint received 2017-02-26
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO. (VA)

JPMorgan Chase XXXX is improperly calculating the " Balance Subject To Interest Rate '' value in the " Interest Charges '' section of my credit card statement. According to the customer service rep I just spoke to, the statement displays the " average '' balance I 've been carrying under each " Balance Type. '' That is not accurate since it is n't the " Balance Subject To Interest Rate, '' it is the " Average Balance. '' The practical impact of this is that I do n't know how much I actually owe for each " Balance Type. '' For example, I have a 0 % interest promotional rate for a portion of my balance. If I want to know how much I owe under that promotional rate I have to call in and ask since it is n't displayed anywhere on my statement.
Consumer complaint received 2015-10-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Quality Loan Service Corporation (CA)

Received a letter at my home, from Quality Loan Service Corporation dated XXXX/XXXX/2015, with the heading " Debt Validation Notice ". The pertinent sentences state, " The total amount of the debt currently owed is {$230.00}, XXXX. ", and " The current creditor to whom the debt/loan is owed is XXXX XXXX, XXXX. " I went today to the website of XXXX XXXX, and used the Look Up tool. The XXXX XXXX website states that XXXX XXXX owns my loan. This website also states that my loan ' s Note date is XXXX XXXX. 
Obviously, Quality Loan Service ' s statement is false - as to whom the current creditor is. 
I contest XXXX XXXX 's standing in any foreclosure proceedings, as it is not the owner of my loan. 
I contest Quality Loan Service 's standing as Foreclosure Trustee, in view of the false statement it made re whom owned my loan.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I realize I had damages on my report as I was trying to get a new car and a new house. According to the U.S.C. 1681 Law there should not be any damages on my report, it a defamation to my character. I tried to dispute all inaccurate information and fraudulent information, nothing has changed and its holding me back from doing the things I need to get done. I even tried to contact the all credit bureaus, that also didnt change anything. I have been sending disputes since XX/XX/2023 XXXX
Consumer complaint received 2017-01-15
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO. (MO)

Chase lowered my credit lines to within a couple hundred dollars of the balance claiming our other cards had rapid increase in balances, ruining my credit. That is because we were using 2 cards to do our major remodel, and were going to pay them off after. They have better rewards than you. This ended up showing THESE cards being maxed out. My other 2 cards you were referring to were still within a few thousand of the credit line. NOT MAXED. During our remodel, my husband had emergency XXXX. You are discriminating against people due to humanitarian reasons. You lured us into getting a XXXX card for 0 % when we went on our big XXXX vacation in XXXX, then wreck my score. This mendacious, deceitful business practice will not be tolerated. I have now PAID THESE CARDS IN FULL! But wait, you have now added a {$64.00} finance charge on the XXXX card because my payment posted the same day as the cycle date. I WANT THAT REMOVED IMMEDIATELY.
Consumer complaint received 2016-06-12
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: BARCLAYS BANK DELAWARE (IL)

I submitted an application to deposit {$4000.00} into a 12 month CD with Barclay 's bank. They requested XXXX # ; XXXX bill ; SS card. I sent all except SS card as I was unable to locate it ( I sent Medicare card as it showed SS # ) They then requested a copy of annual SS statement which I sent. They continued to stall for no reason I could understand, requesting SS card even after they asked for and received copy of SS letter. I have since deposited funds into XXXX other cds. I just thought someone should know there is obviously a reason for all the issues Barclay 's bank has been having with federal regulators, I assumed they would be more aware of new customers needs and be more customer conscious. I have emails supporting the above. Thank you for listening.
Consumer complaint received 2017-02-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: United Consumers Inc (MD)

This debt should n't have been sent to a collection company in the first place because I submitted my health insurance card when I received treatment in the XXXX ( XXXX ). I have been call ingredients this XXXX billing department and talking to supervisors who all acknowledge it was their error and they 're working on taking it off collection. Yet nothing has been done. This has continued to affect my credit score resulting in high interest rates on my mortgage and car loan.