davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: The Phoenix Recovery Group (TX)

Contacted my mother serval times about my debt and gave her every single detail to the debt. Also told her she needed to pay the debt when she was not listed on the lease. She was listed as a emergency contact. Advised the company several times that she was n't on the lease. They continued argue with me about it. Saying she signed the lease. I spoke with the original creditor who also advised me that my mother was only listed as emergency contact as well. She said she would talk to them.
Consumer complaint received 2016-06-17
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Perennial Funding LLC (VA)

Greetings, Recently I decided to refinance my VA Loan. The agreed upon terms were a 20 yr fixed VA mortgage@3.125 %. Provided necessary documents to get the process started to XXXX XXXX ( Senior Loan Consultant ). 

Received application/documents from XXXX XXXX requesting signature. My response to her was, " Before documents can be signed, please make all correction to all handwritten changes. '' Of the requested changes, Check the box to lock interest rate was XXXX of many discrepancies ( see attached ). XXXX XXXX refused to check the box to lock interest rate. 

And as we are nearing closing, approximately $ XXXX is being requested to extend the rate lock to process the loan. Only XXXX Loan Estimate dated XX/XX/XXXX was provide with the box checked indicating the rate was locked reflecting an increase in the interest rate from 3.125 % to 3.250 % and total loan amount of {$360000.00}, XXXX of XXXX scenarios to cover the cost of a rate lock extension as stated by XXXX XXXX. ScenarioXXXX : On the loan estimate, Increased total loan amount to {$370.00}, XXXX with interest rateXXXXXXXX. 

The Loan Estimate I signed on XX/XX/XXXX was with total loan amount of $ XXXXXXXX3.125 % with a request to correct the total loan amount. As you can see, total loan amount was corrected {$360000.00} but rate was changed to 3.250 %. Documents and Loan Estimate was provided by Home Point Financial, XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX. Rate lock extension is not needed being that rate was lock on XX/XX/2016 as indicated on Loan Estimate dated XX/XX/2016. I 'm requesting to have the loan to reflect the correct total loan amount ( {$360000.00} ) and correct terms of ( 3.125 % XXXX ). Time is very important. Loan Estimate indicates rate lock is until XX/XX/2016. I 've attached various copies of e-mails, Loan Estimates and application forms. 
Thank you, XXXX
Consumer complaint received 2016-11-27
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY (NY)

I was double charged by a vendor. American Express has only investigated superficially and will not thoroughly investigate what is clearly a double charge. We have provided proof clearly indicating the charge was unwarranted as well as proof that the vendor has repeatedly lied to American Express but they wo n't take my claims seriously at all. The vendor has created a false narrative along with false papers to assert that the charge was owed. I understand that Amex can not be expected to see through the lies, however, my claim is simple. I am asking to see signed authorization for XXXX charges. American Express has only XXXX signed authorization and can not provide any further proof towards the second charge and yet they wo n't refund my money.
Consumer complaint received 2015-09-30
Product: Other financial service — Traveler’s/Cashier’s checks
Issue: Fraud or scam — 
Company: Stewart Information Services (CA)

On XX/XX/XXXX 2006, I entered into a contract to buy a condo development which was under construction at The Residences XXXX. I gave a down payment of {$140000.00} which was 50 % of the purchase price. I made XXXX payments XX/XX/XXXX, 2006. All checks were made payable to Stewart Title Escrow. They were cashier 's checks XXXX. About 5 years ago I went to Stewart Title to try and get my down payment back but they would not give it to me. I am hoping that you can help me get me money back from Stewart Title.
Consumer complaint received 2016-02-01
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY (NY)

I recently signed up for a American Express Blue Cash Everyday card. Upon signing up a scheduled an automatic payment so that the required payment would be paid in a timely manner. I received a confirmation XXXX/XXXX/2016 that my automatic payments were set up. My first payment date was n't until XXXX/XXXX/2016 ; however, I recently received a late payment fee of {$27.00} since the automated payment was not processed. I called the customer support number and learned that even though I configured my automatic payment over two weeks in advance that it would not start until XXXX/XXXX/2016. This resulted in the company charging me a late fee even though I had actively tried to set up payment.I had to contact the company and they made it seem like it was my fault for not paying the first payment on time and that they were doing me a courtesy in refunding my late fee. I think there are probably many people that are in the same situation as me but may not been as vigilant with their statement.
Consumer complaint received 2015-03-24
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (TX)

I have requested on several occasions on all XXXX credit reports for XXXX XXXX account to be removed off XXXX, Experian, and XXXX. Last deliquency date was XX/XX/XXXX and this company is still reporting charge off and also has sold account as of XX/XX/XXXX to XXXX and now this company is showing collections account and date opened in XX/XX/XXXX. I have also requested on several occasions to a XXXX agencies to correct this information as well. This should also reflect actual date but instead they are using a more recent date to effect my credit for a longer period. Please remove XXXX XXXX account and correct dates on XXXX XXXX. This should not remain on my report longer than 7 year period. Thank you.
Consumer complaint received 2016-10-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc. (LA)

I purchased a vehicle, after a while it started giving me many issues, some of which I was able to repair which caused me to fall behind on my payments. The car became inoperable so I continued to try to repair it while paying partially. I had to purchase a new vehicle and continued to try to work with the lender on payment. The company 's representative became very rude and seemed to be annoyed by my situation and demand that I make payments via XXXX XXXX. After informing him that I could mail money orders he told me that was n't an option and blocked me from online payments. I understood the payments had to be made although the car was n't operable. I mailed in a money order along with details about the vehicle 's whereabouts along with itemized statement of all costs and yet I have no help. The abuse I have had from this company has been exhausting. I requested a cease and desist and I am still receiving mail from them. I understand they also may be able to pull my credit as well but they 've charged the debt off and continue to pull my credit almost monthly. I recently contacted them and still no one is able to help with this matter. I 'm asking that they remove inquiries and any negative reporting in this matter before I obtain legal counsel as well as take this matter to the media.
Consumer complaint received 2015-07-15
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company (AZ)

I was contacted by my current Mortgage lender Freedom Mortgage Lender NMLS ID : XXXX to do a refiance to lower my rate. I proceeded with the transaction and closed on XXXX/XXXX/2015. After the XXXX day right to recind period on XXXX XXXX 2015 the new loan was signed and funded. As of today XXXX XXXX 2015 Freedom Mortgage has not paid off my old loan with them and have now requested I pay them money to do so!
Consumer complaint received 2015-10-27
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: GreenSky, LLC (CA)

GreenSky Financial is trying to collect a debt that I never agreed to, and that I cancelled within three days, and is ruining my credit. 

A salesman from XXXX XXXX XXXX came to my door to sell me solar panels. He told me a bunch of information that turned out to be false, including about whether the solar panels would save me money. The salesman told me the panels would power my house, but XXXX XXXX XXXX told me later the panels were not sufficient to power my house. 

I never signed a loan agreement, but in XXXX 2013 I received loan documents from Greensky Financial claiming I owed {$17000.00}. They sent a loan agreement without my signature, and I never signed any agreement. 

I sent a notice of cancellation on XXXX XXXX, 2013 to XXXX XXXX within three days of signing the application ( I never signed a loan agreement, only an application and paid an application fee ). But then I received a statement claiming I owed GreenSky {$17000.00}. Later I found XXXX XXXX installing solar panels on my house. I immediately asked that they stop, I asked the VP of the company for them to stop, and even reported them to the county, but they did n't stop. 

GreenSky is now reporting on my credit report and it has ruined my credit. I have been denied for refinancing my house as a result of the GreenSky reporting. I have asked them multiple times to remove the reporting and waive the debt since I never signed any agreement and they have refused. I disputed with the credit reporting agencies but they claimed GreenSky verified the debt. 

I found help from a legal services attorney, and GreenSky will not provide him with any agreement that they claim I signed. They are completely non-responsive but are still ruining my credit. 

I did n't agree to borrow {$17000.00} and I submitted a notice of cancellation as soon as I saw they were confused. Now my credit is ruined. The stress of this situation has caused my health to deteriorate. My XXXX has XXXX and my XXXX has gotten worse. I always took pride in my credit and GreenSky has ruined it.
Consumer complaint received 2016-08-03
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc. (CA)

I fell behind on auto loan able to make first payment as requested by a representative I for saw that I would have trouble making the next three months payment. He stated to me he would be able to discuss and give me other options once this payment was made. I made the payment and have had no success in discussing any options. I have since called several times for three months I get the same representative or voice mail, with no call back. The customer service reps are rude, over talk you have no knowledge of services available, start shouting matches, arguments and refuse to discuss any thing on your account available to you. I am threatened several times over a conversation that my car will be repossessed. Several attempts have been made to contact any supervisor or anyone for that matter who can handle my situation, the phone is rigged to a phone number that will not transfer to any other extension.
Consumer complaint received 2016-07-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

Claim Number # XXXX I am very pleased to receive a check after CFPB reached an agreement with Equity Accelerator Program which is associated with HSBC Bank. I have a mortgage loan with HSBC in XXXX along with other accounts, but the bank seems just ca n't offer me an easy access to my loan account online like the other accounts I have with them. then, three years ago, i filed complaint to my financial manger in XXXX XXXX and demand a more transparent loan account information showing how much i have paid and the balance of my loan account in daily basis ONLINE like the other accounts. as you see from the attached, the mortgage information is always un-accessible online. to get my mortgage info, i had to made a call and then was transferred to a remote unknown country to get my mortgage information!!! Even so, they are not helpful and have no concept what they are doing. To make a story short, finally i receive my loan info monthly through mail, but online information has never existed. it always experiencing an " ERROR ''. Last week, I made a call to mortgage center ( this time within the U.S ) to find out the exactly amount to pay off my mortgage. I was given a number, but after we did some calculations the numbers were off what we owe. I bought a house for {$200000.00} in XXXX in XXXX with 20 % down. then, in XXXX, i signed up a speedy seven years payoff program by paying bi-weekly with Equity Accelerator. I am not an expert of figuring out how much i have paid to the loan and the balance, but I was given the number of {$87000.00} to pay off the loan as XXXX/XXXX/XXXX. we are skeptical about the numbers and hoping CFPB as our watch dog to help us to fight and deal with giant bank like HSBC. thank you so much for listening.
Consumer complaint received 2015-09-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Monarch Recovery Holdings, Inc. (MN)

Ive never done any business with this company so I do n't owe them a dime. If they are in the business of buying " dept ''. that is there problem not mine I only do business with any original debtors. Just like if someone owes me money I ca n't go to the local debt store and say " hey you wan na buy some debt so and so owes me ''? Its ridiculous I wo n't do it I wont deal with it and I will not have anyone harassing me.
Consumer complaint received 2017-03-03
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (NV)

American Express cancelled my card with them after being a member since XXXX. The representative I spoke to because of a return payment ( 2 ) times stated I needed a review and had to send documents in to prove my income. I had fraud on my personal checking account and it caused two payments to be returned I was in contact with American Express, but due to the fact that I am a XXXX elderly man, this representative abused his authority and took this review to levels not necessary, he was rude, and had his mind made up about closing the account before I even sent the required information, I feel discriminated against and I lost a very important card valuable to my business operation. Now since canceling the card I receive collection calls a week before the due date everyday automatic call telling me my card is past due, I made a payment today the due date and had to speak to a representative because my payment could not be done automatically because they placed the account in collections even though the due date was XXXX/XXXX/XXXX and not past due. For the past 6 days I have received calls in the early am and late at night outside the collection law boundaries and the account is not late. I feel that American Express has egregiously treated me and discriminated against me because I am a XXXX elderly male.
Consumer complaint received 2016-08-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I XXXX XXXX was a tenant at XXXX XXXX apartments. I am a veteran of the armed forces. I qualified for housing assistance under XXXX, I had taled to the landlord about my transferring over to the XXXX to began to make my monthly payments. at the time I was behind on my account with park towers so I was instructed by the landlord that I would have to clear up any and all delinquency on my current account. I agreed and then proceeded to sign up the housing assistant at the XXXX branch of XXXX. I also received assistance from another veterans assistance organization, this organization proceeded to pay the balance in full on my account at XXXX XXXX Apartments. then the following month when the next months payment for rent was due the landlord refused to accept the section XXXX volcher. XXXX XXXX the owner and landlord after we had previous discussed this matter just up and refused to accept the section XXXX voucher this put me in a bind. XXXX XXXX had also discussed this issue with XXXX XXXX the represenitive at XXXX of XXXX Texas. I had no notice of there being a revision in our verbal agreement that included then acceptance of the section XXXX voucher for housing assistance for XXXX XXXX XXXX XXXX the tenant in question. there were or was no eviction process at all. I never went to court for an eviction in regards to my being evicted. I did not volunteer to terminate my lease at XXXX XXXX XXXX, at XXXX XXXX XXXX apartment number XXXX, XXXX XXXX breached a verbal agreement to void the current rental lease agreement and enter into a new rental contact that would include the acceptance of the section XXXX voucher from XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX the tenant. XXXX XXXX reported this adverse information to the credit reporting agencies with prior knowledge that it was fabricated and untrue. I have been advised that the information reported by XXXX XXXX has/is/ and will cause there to be continuous rejection and denial of requested terms of credit.
Consumer complaint received 2023-07-05
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Six months ago, Bank of America opened a savings account associated with my existing account without my permission. I immediately called and had the account deactivated. My BoA username and password were changed, and two-factor authentication was added. This week, BoA opened ANOTHER savings account without my permission. I have not called on this account because it seems like it is someone with BoA, not an outside scammer, that is opening the accounts.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
Consumer complaint received 2015-04-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

for a while i was being billed monthly charges from Bank of america. I addressed these charges and they were waived as i was told that i needed a direct deposit totaling a minimum of $ 250/month. So i started directly depositing {$120.00} from each payroll check that totaled $ 250/month. I received another charge last month and called in to BOA. I was told that i was misinformed and that it is supposed to be $ 25/pay period/deposit. So, again, i revised my contributions to $ 250/pay period to meet their requirements even thought i was misinformed. I called in today about the charge and was informed that i am out of luck and that they have already refunded charges before. That was not at my request but at a branch managers decision to retain me as a customer as i was there to close out my account. Regardless, i was told XXXX thing to avoid the monthly fees and i did exactly what the representative stated. Then i was charged again, so i switched again and was informed that i may get another charge and to just call in. I spoke with XXXX at BOA in their California call center who was polite but refused to assists. I cant help but have concern for myself and others in regard to receiving incorrect information from BOA and then turning around and charging customers for their under-advised reps. I would like for my account to be credited the monthly maint fee as i did what they asked every time. I would be open to a class action suit to see if others were experiencing this bad business practice.
Consumer complaint received 2023-08-05
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe (GA)

I have sent numerous requests for account transactions because the home was sold and the account was not closed out for extended time incurring interest in error. Have sent Disputes to the USDA servicing center, US Dept of Treasury, and 2 different collection agencies with no response or resolve. Additional administrative fees were then added with no communication. Federal tax refunds have been offset for 3 years and no balance changes are reflected on collections or my credit report. I have sent a dispute and documentation 3 times this year to the collection agency and the fiscal treasury office and have not received any correspondence other than the auto receipt email. I have proposed a payoff in each dispute. My credit continues to suffer because I can't get anyone to listen to my concern, my calculations, or payoff offer. I have contacted attorneys, state politicians, consumer credit counseling, and the creditor and the only response from the third parties is that I have no option or support when it comes to communicating with the federal government. I just have to sit back and allow them to do what they are going to do because my voice doesn't matter.
Consumer complaint received 2024-08-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (AZ)

CREDENCE RESOURCE MANAGEMENT has been been notified multiple times to prove validation of this debt. Subsequently this has been removed as a collections account from this same collections company and has since reappeared. CREDENCE RESOURCE MANAGEMENT has never proven I in fact owe this debt nor have they provided and documentation showing any financial obligation of this debt. Their offices have or continue to report invalidated information to the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action has negatively impacted my credit immensely. The continuously claim I owe {$99.00} on behalf of XXXX XXXX XXXX. I have not had such services at my residence under my name since around XXXX. They have since reported this debt at least three times and even under another collections agency within the last three years. The most recent status as of XX/XX/XXXX is in collections and and the date assigned is XX/XX/XXXX. The date of the supposed delinquency being XX/XX/XXXX. As mentioned previously I have not has services at my residence which I have lived for the past 10 years since XXXX.