davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-10
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO. (AL)

My son lives in XXXX.XXXX-he purchased a new car.I told him I would co-sign on a loan for a car, just let me know and so I can read and go over the loan application before I will co-sign on a loan.Time went by and he went to purchase a car ( we did not know he found a car yet ) The people told him he had 2 days to get a loan-he said I lived in XXXX, XXXX and had to look over loan-fearing he had no time to get me to look at loan, he took it home and signed my name to loan.The auto people new he signed my name and gave him loan anyway, Again I had no idea any of this was going on.I never received loan application-never spoke to auto dealership or chase bank at all about a loan-never new until my son callled and said he got the car.If I had seen it I would of never of signed a loan with a 7.85 % car loan.They told him it would be 4 %, but at the last moment changed it to 7.85 % .We have tried to get them to take me off loan-my son told chase verbally and in writing I did not sign for loan and they still will not take this off my credit report-which chase put me on all XXXX credit reporting agencies with a XXXX loan.my credit score has dropped.
Consumer complaint received 2017-01-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First Advantage LNS Inc. (TX)

I have repeatedly advised this company that this was a debt I did not incur, sign for and had no knowledge of until I pulled my credit bureau report and saw that there was a lease broken in my name. I have filed a police report, as I was asked to do and this has been XXXX. I have lived in XXXX texas since I moved to Texas XX/XX/2005. XXXX XXXX along with National Credit Audit Corporation have given me XXXX and they will not provide me with any info even though they advised me they have a copy of my driver 's license, social security card and " my signature. '' I have not ever lived in XXXX and have never signed for anyone. I had live at XXXX formerly XXXX XXXX for over 7 years. This process has been tedious and a nighmare.
Consumer complaint received 2015-04-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Innovative Debt Solutions (CO)

In XX/XX/XXXX-XX/XX/XXXX I held a bank account with XXXX. Unfortunately I was not fiscally responsible and my account ended up going back and sent to collections. In XXXX I was contacted by the law firm XXXX XXXX XXXX out of XXXX, XXXX with whom I entered a settlement agreement with. I completed my settlement agreement on XXXX XXXX, XXXX and received a Release of Liability from the law firm. Recently, a woman by the name of XXXX began calling me and stating that her company was attempting to collect a debt for XXXX. After supplying her with a copy of my Release of Liability, XXXX stated that they were different accounts and different amounts ( which should be obvious as I settled with XXXX XXXX XXXX ). This prompted me to research her company ( ID Solution out of XXXX ) and email address XXXX XXXXXXXXXXXX ) as well as her phone number ( XXXX ). No information came up for any of this. I contacted XXXX Collections directly and they confirmed the account number XXXX XXXX XXXX held as well as when my account was open and closed ( XXXX/XXXX/XXXX - XXXX/XXXX/XXXX ). They also cautioned me that this company may be a scam after I shared my concerns over the behavior of XXXX. I called XXXX back and supplied her with the information XXXX had given me. She became hostile and aggressive and informed me that her company had purchased the debt from XXXX XXXX and that the date of last activity was XX/XX/XXXX. I asked her for the name of her company, but she was evasive and stated that I " had her email address. '' I explained nothing came up when I was searching for it and that was when she stated they were out of XXXX. I asked for a website and she refused to supply one. When I told her that did not give her much credibility she became more hostile and downright rude. I informed her that I would contact XXXX XXXX directly and she retorted, " You do that! '' and hung up on me. XXXX XXXX had XXXX phone numbers on their website, XXXX of which was disconnected. The other was actually a different company and they indicated they did n't know what was going on with XXXX XXXX but that they may be closing down. They had absolutely no information about my alleged account that was sold to ID Solution and shared with me the same caution that I should be wary of ID Solution as there are a lot of scams going on out there. XXXX has continued to call and harass me, threatening me with legal action if I do not pay this false debt of {$1600.00}. I have blocked her number on my phone, but it frequently rings in as " private '' and I can not avoid those calls.
Consumer complaint received 2015-06-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I was with XXXX prior to my mortgage being sold amost at the end of their modification and they sold my account to Select Portfolio Servicing. In doing so the modification had to start over from scratch. I did have a problem paying my mortgage ( due to loss of income through divorce with XXXX ), and received assistance from the XXXX program ( a third party ), but was never late. XXXX informed me by them being involved sending part of my payment I would not be accountable for any lateness on my payments, because I was always current with the part I paid ; they did recieve the full mortage payment. This would apply also through XXXX and until the modification was completed. By XXXX selling the mortgage just before the modification was completed, and me being at the end of the program starting over ; I had to go into an agreement with Select Portfolo to avoid foreclosure while their modification was in process. I was to pay an amount agreed upon, until it was completed. It was n't the full amount, but it was accepted and an agreement was in place, and that amount was never late. Now I am sited with 120days late on my mortgage, after all that was agreed upon. My modification is now in place and I have been current with my payments since the modification XXXX of 2015. I think this is unfair and if there is someone that can possible help me with this, it will truly be appreciated. Originally the loan was a ( ARM ) mortgage.
Consumer complaint received 2016-07-01
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (AE)

I have two credit cards through Chase. Chase recently redesigned their website and now I am experiencing difficulty in making payments. I was able to schedule a payment for one credit card, but for the other card the website will not let me make any entries for method of payment, date of payment, or payment amount. I have sent several messages to Chase about this problem but each time they respond by saying they appreciate my concern but I am still required to make at least a minimum payment or I will be penalized with a late fee. I have asked them, again, several times how I am supposed to do that since their online payment portal does not work. I am stationed overseas so sending a check ( which I ca n't since I do not have a checkbook here ) by mail will get there very late. I have been a Chase customer for over 15 years and have never missed or been late on a payment.
Consumer complaint received 2016-06-08
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Credit Central Holdings, LLC (SC)

Well I asked the manager could I renew my loan. She stated her Company policy is that since I sent her Company a cease and desist letter not to call my job ( because I ca n't accept calls on my job ) but they are welcome to call me on my home, cell, or any references if they could not contact me she would not renew my loan. I advised her that I had never heard that before and I felt like it was a personal vendetta that she had against me. I feel that I was biasly discriminated against based on the way I looked, And because I was not a certain color and did n't look a certain way. I feel that I am a law abiding citizen that deserves to be treated fairly and her predatory lending ways should not be prohibited just because she does not like me because of her own I 'll gotten reasons. I did try to call her supervisor whom she has a personal partnership with and nothing never gets resolve because of this conflict of interest. Her Supervisor never return the call. I plan to consult a lawyer because bias predatory lending discrimination is not prohibited by consumer law and this matter needs to be addressed and resolve, so another fellow XXXX wo n't have to go through what I did.
Consumer complaint received 2016-10-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Balance of loan payment and credit use is incorrect and inaccurately reported. Auto loan balance listed as mortgage from XXXX XXXX XXXX is now {$1500.00} as at XX/XX/2016 but to date all XXXX credit reporting institutions report it to be {$13000.00}. I disputed that by writing to them all enclosing proof of payments as furnished to me by XXXX XXXX XXXX. Nothing has been done and thus I have totally failed to get a financier for my leased car hence returned the car. Likewise, I can not get any loan whatsoever the amount due to that misreported outstanding balance. Humbly seek assistance to have record corrected as per attached documents provided by XXXX. Thank you so much for your kind cooperation.
Consumer complaint received 2015-09-21
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I have an auto loan through credit acceptance, I have monthly payment due for the XXXX of each month. I did have auto-pay set up for this monthly payment however, I canceled the auto pay because payment was being taken from my account but not documented, I ended up being behind 2 monthly payments as they stated. I received nothing in the mail about this or any phone calls. I actually called them to take auto payment off, at this time they informed me i was 2 months behind even though my bank statements showed differently. They then informed me that they do n't contact their customers with these issues. I informed them that I would make the required payments as soon as possible. The next day they repossessed my vehicle, I have to pay the required fees and payment to get my car return, they completely trashed my car, kept personal items including my title and all personal documents in the glove compartment and have yet to return them. This company will not allow me to set-up payments according to my pay periods and because, of this I am always paying late payments. They will call me over XXXX times a day from unknown numbers, from block numbers, numbers from different states and leave automatic voicemails everyday. Everytime I speak to someone to set-up a payment, the next day they continue, no XXXX documents any of the calls or payment arrangements I have made. I have been hung up on, threats to have my car repossessed even though I have never been a month or more behind. I have been asked personal information about my banking accounts and working situation that they should n't be asked, and when I inform them of the harassment I am hung up on. I have asked them to no longer contact me by phone but by mail and they refuse to do so, they stated that they do n't have a mailing system set-up to do so. All my payments are made through XXXX XXXX and till this date I have yet to receive any documentation in mail from this company regrading my loan, balance, or any issues relating to my account. Instead I get these never ending calls. My account has never been over a month late if anything 2 weeks late and I still get these threats.This is the worst auto loan company ever, I am currently trying to get it refinanced through a bank or credit union.
Consumer complaint received 2015-05-21
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: DriveTime (FL)

I bougth a car from Drivetime on XXXX. Drivetime was reporting to the credit bereaus faithfully until summer of XXXX. The automobile I have from them already have XXXX miles so I decide to trade the car for a better one. I visit Toyota Delearship on XXXX XXXX on XXXX XXXX and when they pull my credit quest what Drivetime stop reporting to the credit bereaus. 
The manager from the delearship told me that unfortunally they can not extend any credit at that time becuase no credit history. I make a report to you ... [ Case number : XXXX ) I was promise by Drivetime that this situation will be resolved, and has not until today. I attach the letter from them. I been paying my car with none 30 days past due what so ever. I deserved from them to report my credit history. The letter has been attach to you guys for further info and action please!
Consumer complaint received 2016-11-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (NC)

I am repasting my original complaint that was disputed and never resolved. The CFPB claims to be following up on this but it has never produced a response to my dispute. 

Describe what happened so we can understand the issue ... 
In XX/XX/2014, a series of unfortunate banking events led to my mortgage payment being deducted form my checking account twice. The servicer ( PHH Mortgage Services ) was not willing to help recsend a payment and the Bank suggested that my only course of option was to stop payment on one of the duplicates. I did so as my family would not have had enough money to survive. In XXXX, I made a payment to PHH by phone and using this same checking account. The representative assured me that the payment had gone through just fine as usual. In XXXX, I was informed that I was now behind on my mortgage as this payment did not show up. This is when the trouble began. Through various demands for payment and forced " re-payment plans '', I have given PHH almost {$22000.00} in the past year and am still being sent past due notices. I 've now been sent a " right to cure notice '' demanding another {$5000.00} plus before XX/XX/XXXX. Since my normal mortgage payment is around XXXX monthly, a years worth of payments would only be {$15000.00}. I have no idea how I am still behind in my payments and can not seem to get out of this cycle. This has caused a great deal of distress in my family and has caused me to get dangerously behind on other bills ( student loans, car payments ) as well. Most recently, I responded to a late notice by paying the amount asked for ( {$3400.00} ) by the date it was asked for ( XX/XX/XXXX ). PHH took the payment. The payment came out of my bank account. Two weeks later I received a notice that my account had been referred to an attorney for foreclosure. This was an awful thing to read. PHH initially claimed that they had no record of the notice demanding the {$3400.00} and that I had not paid enough so they had returned my payment (? ). After two days of arguing my case, the notice was found and I repaid the {$3400.00} and was taken out of foreclosure. This was a large mistake made on their end and I ca n't help wondering what other large mistakes are being made at PHH Mortgage Services. I 've gotten nowhere in my attempts to talk this through with them. 
Consent to publish the description of what happened? Consent provided Which part of the mortgage process is your issue related to? 
Problems when you are unable to pay This is about Conventional fixed mortgage
Consumer complaint received 2020-12-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (MO)

I would love for someone to contact me personally since I have recorded phone calls with this company lying to me on multiple occasions. They randomly decided they were going to review my account. Gave me 5 different excuses as to why. Told me my funds would not be given to me. Then said they would be. Back and forth all day. They STILL have not issued my money to me. I run my own business, this is how I pay bills. They knowingly and intentionally wouldnt not give me my funds and asked for documents. What documents can I possibly provide? A customer runs their card to pay for their services, the end. There literally is no other documents I can provide other than the receipt, which SQUARE SENT TO MY CUSTOMER. Im facing homelessness because of square. I needed to use MY HARD EARNED MONEY to pay my bills. If you look online, Im not the only one! Except instead of withholding 30 % -50 % theyre withholding ALL OF IT. I cant touch a DIME. Im going to have to refund it, Ive already started the process, because its taking square up to 4 months or more to give it back to others for the typically one business day review so Ive issued it back to the customer to keep my freaking utilities on, and be paid a different way and they still havent got it either! This company is taking advantage of small business during a pandemic close to the holidays and the end of a federal moratorium. It has to be stopped. This has to be illegal. On top of all the lies ... this cant be legal.
Consumer complaint received 2015-09-11
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: UNITED SECURITY FINANCIAL (NC)

We asked the bank for a minimum net proceeds amount to determine if we could find a buyer. The bank told us on XXXX that acceptable net proceeds of {$230000.00} were required. We provided an offer to avoid the foreclosure. the investor then, after reivew for one week change their mind and now want an additional {$7500.00} above the offer and to reduce commission to 3 % for XXXX agents to split. The short sale national protocol is 6 % between XXXX agents. We reduced the commission to 5 % split between XXXX agents to try to make this offer work. This was the highest offer received in 2 years on market, they turned it down the day of the foreclosure, then 5 minutes before the foreclosure they postponed the foreclosure for offer review again. That was on XXXX XXXX, 2015. Now they have returned today XXXX XXXX XXXX, 2015 ) at the same terms as prior to their review XXXX {$260000.00} and reduce commission to 3 %, split between XXXX agents. So in essence, they are now again more intent on foreclosing on an XXXX service member and his veteran exwife who is suffering XXXX. Therefore we feel that the investor XXXX United Security Financial XXXX is force placing this foreclure by offering terms that no one could oblige.
Consumer complaint received 2016-07-25
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: COAST PROFESSIONAL INC (CA)

My student loans are in default and require rehab. I contacted my creditor, Coast Professional, in hopes to make arrangement to start the rehab process. Over the phone I was originally quoted a payment amount of {$80.00}. This conversation included everything about my financial situation. After submitting my paperwork the payment amount I was later quoted was {$250.00} which was waaaaay out of my ability to pay. I offered to make the max payment amount I could of {$100.00} and they would not accept it under the rehab program. Told me that I could make the payment but it would not change how they reported to the credit bureau and I would still be at risk for treasury offset. I explained to them that I live in XXXX XXXX and the cost of living is VERY high, plus I am a single mother of XXXX with no additional financial help and have some children in daycare. They patiently listened but offered not additional options. I am fully aware that I have created this situation for myself but I want to make it right and I want to be given the opportunity to do so. I do n't know where else to turn. Please Help
Consumer complaint received 2016-01-06
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (IL)

I have reached out to PNC on XXXX separate occasions, over a 1 year period to attempt to obtain a modification. The HELOC is the only loan on the property. When the HELOC was obtained PNC incorrectly assessed the value of the property to obtain a larger line of credit. The property value is currently XXXX and the HELOC due is XXXX. Our income has greatly reduced and PNC has been unfairly charging us our monthly payment. They have been charging more than required, in an effort to force default on the HELOC. When we have contacted PNC I have been told a modification is not an option and if I do n't agree I can submit a request in writing and receive a response in 120 days.
Consumer complaint received 2017-03-13
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (OH)

Chase Bank will not accept my payment on my safe deposit box in their XXXX Branch in XXXX XXXX, which I have submitted twice through Chase online bill pay and now are charging a late fee for nonpayment. 
The box is located in XXXX XXXX but as I now live two hours away in XXXX I have paid online twice. 

1st I sent the payment through chase online bill pay to the same address I 'd used before and where it had been accepted previously. That check was returned as they claimed they had no account. 

I next talked to customer service who directed me to send it to a 2d address and assured I would not be charged a late fee. So paid again through the chase online bill payer but to the address given by customer service but the check was again credited back to my account as not accepted. 

I called customer service again and was told to pay directly to my XXXX branch where the account was located. I Received a bill with a late fee so called that branch and was told they could not accept the payment either mailed or online as would have no way to credit it properly. 

So again I called customer service and spoke to a representative who knew nothing and then a supervisor who told me the only way to pay it was to either drive to the XXXX Branch ( which already said they would not accept the payment and would have no way to credit it ) or to an XXXX Branch in XXXX, an hour away from me. Based on my conversations with the branch this information is incorrect also and it will be a wasted trip. 

So, I now have an overdue bill and late fee and no way to pay this.
Consumer complaint received 2015-04-23
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Platinum Holdings Group, LLC (TX)

XXXX XXXX with Premium Receivables LLC continues to call my job after I 've asked him not to, he also calls my family members stating he 's trying to locate me to have me served with papers regarding a civil case. He is very rude and unprofessional, I can not get a word in because he talks over me. I get stressed every time he calls especially when he calls my job, I 've worried I may get fired because he continues to call.