davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: AMERISAVE MORTGAGE CORPORATION (GA)

I tried contacting mortgage company about mortgage payments assistance and it took weeks before I finally was given the correct number to call. I call a XXXX XXXX  representative and completed a counseling session. Finally I got in touch with AmeriSave Loss Mitigation Services and I requested forebearance as was suggested by XXXX XXXX. The representative with AmeriSave told me she would update my file for review and I needed to call back every Friday to check status. I ask if I needed to fill out any paperwork and she said no. I called the next Friday and was told it was denied and AmeriSave was starting process for loan modification for me. I asked why I didnt receive an application or any paperwork to fill out and she said I should have received an application with information on the process. She told me she would email me the application and information and I should also be receiving in the mail with 7 days. It has been two weeks and nothing. I am XXXXwo payments behind at this point. AmeriSave is doing nothing to provide me information or options. What am I supposed to do if the mortgage company will not give me any information?
Consumer complaint received 2024-08-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I opened my BOA credit card in XXXX. I always paid my bill on time. After receiving a notice from XXXX XXXX that something had changed, I checked my credit report and discovered my BOA account had been closed. My credit score had also plummeted XXXX points. 

On XX/XX/XXXX, I spoke with 2 representatives. The first representative was completely unapologetic and informed me that I had been sent 3 emails : one in XXXX, XXXX, and XXXX. When I looked I found 2 emails in my spam folder. She said there was no one else I could speak with. 

That same day, I called a different number and spoke to a representative. She said there was no one else I could speak with but that she would send my complaint to someone and I would receive an email response withing 24 to 48 hours. 

In this digital age, it is totally unrealistic for a company to think that emails are sufficient when systems can tag those emails as spam. I receive credit card offers from BOA every week, but they couldn't take the time to notify me by mail that they were closing my account due to inactivity. My account was XXXX XXXX XXXX and the closing of that account reduced my credit history and caused my score to XXXX When I looked on my credit report at the reason my account was closed, my credit report said it was closed at my request. This reason they closed it as reported is a lie. Plain and simple. I NEVER requested they close it. 

This business practice is no longer being practiced by other credit card companies. I have received other letters over the years and those accounts were not closed because they effectively contacted me by mail. 

This is an unfair business practice that needs to be stopped. My credit report is now damaged and I have no recourse but to report my experience.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Thaxton Investment Corporation (GA)

I contacted heights finance and told them I was a victim of identity theft they disregarded this. I submitted police report which was filed way before this loan was opened they still disregarded I sent them ftc report they still disregarded. I even offered to pay XXXX to remove this from my report they still refused. This company needs to be held accountable for disregarding the FCRA and consumer protection laws
Consumer complaint received 2024-08-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (OH)

I called Jefferson Capital and asked them to send me a settlement offer so I could pay the debt. They sent me to XXXX XXXX which offered me a settlement. I paid the amount that was given to me. The payment was received and an email was sent saying that my debt to Jefferson Capital was resolved. I asked transunion to remove the mark on my credit report and when they sent the dispute to ask them to remove it they stated it was still active as it was.
Consumer complaint received 2023-10-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC (GA)

On XX/XX/XXXX my vehicle was illegally repossessed by Westlake Portfolio Management. Allegedly they say I owe them money for a XXXX XXXX XXXX XXXX  which I have no standing contract with them nor has one ever existed. The company I originally got the car from was XXXX XXXX XXXX which was permanently shut down in XXXX of XXXX. Im not sure what happened to the company I believe they went bankrupt but I am not 100 % sure the case that caused their abrupt closing indefinitely. Now Westlake Portfolio Management has taken it upon themselves to repossess the vehicle because they claim that I am behind on paying them. I do not know who these people are nor have I ever entered into a verbal or written contract agreement with them. According to title 15 USC 1692f they are in violation of my rights as well as 15 USC 16802 and 15 USC 1692. Also the vehicle was taken without a court order from a judge. So this was a non judicial repossession committed by this company which is an illegal act. It is against the LAW. Since the repossession I have lost my job, I have been behind in my bills, I can not see my son as I use too for he lives two hours away and I do not have transportation to see him or let alone pick him up. This companies disregard for the law has turned my life upside down making the livelihoods of me and my family almost incorrigible. I have tried calling to speak with a supervisor but they always leave me on hold or say some one is going to call back. Its been almost two weeks since I last spoken to one of their scamming representatives and yet have I gotten a phone call in order to try and reach a peaceful and lawful resolution.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (IL)

On XX/XX/year>, I received a letter from XXXX XXXX XXXX, XXXX, a debt collector, trying to collect {$750.00} they claimed I owed to PayPal , Inc . 

I DO NOT owe PayPal, Inc any such amount. 

I called PayPal Credit support and they confirmed that I have a XXXX balance. 

I also checked my credit report and there is no report of this collection or supposed debt.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (FL)

I am XXXX this FTC adavit to report several separate fraudulent accounts appearing on my consumer XXXX credit report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD Bank NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TD BANK NA Acct # XXXX opened on XX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDPCA laws. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: CENTRAL BANCOMPANY, INC (WI)

I obtained an appraisal for my home through my mortgage company Central Bank. I paid {$550.00} for this appraisal on XX/XX/XXXX. Our loan needs to be refinanced by XX/XX/XXXX. 

The XXXX, XXXX XXXX of XXXX XXXX XXXX, took several days to set something up and finally reached out on XX/XX/XXXX to view the home ( a week after payment and requesting the appraisal. He came and saw the home that afternoon. He requested blueprints so he didn't have to measure anything on the home. He did not even step foot on our {$36000.00} deck, nor did he measure it. These measurements were not included in the blueprints I provided him. He also did not walk around the full home and missed many key landscaping components. 

He then did not get the appraisal back to us until XX/XX/XXXX ( over XXXX weeks after the on site visit ). The appraisal came in at {$770000.00}. 

There were comparisons missing and there was no support material behind the credits and deductions he made with each comp. 

I completed a reconsideration form promptly on XX/XX/XXXX with great detail and was met with details that did not make sense or address any of our concerns with the initial appraisal. This was sent back on XX/XX/XXXX with scant amounts of detail regarding to excluded properties, none of which addressed our biggest concerns. 

A few examples of the discrepancies include - a {$2500.00} credit for having a deck versus the comps without decks. Our large XXXX composite deck as mentioned above cost {$36000.00}. I am not sure what type of deck you could build with {$2500.00}, you probably could not build one. He also took over {$18000.00} off of our home just because we have lived in it since XX/XX/XXXX. In addition to this, there were XXXX credits for the upgraded features in our home versus the comps - tongue & groove entrance way, beams, ship lap kitchen hood, custom wet bar in basement, built in entertainment center, much larger concrete patio than comps, custom beams in living room, heated tile floors and jacuzzi jet tub in master bathroom, large custom closet with island and quartz countertop, large natural stone retention wall in backyard. These are all the features that were completely disregarded in our appraisal versus the comp homes. 

Prior to the addition of all of these features, we were appraised at {$750000.00}. With over {$120000.00} in upgrades and additions and a year to appreciate, we were extremely disappointed when the appraisal came back at {$770000.00} with no support behind the numbers. This will negatively effect us because despite having over 20 % in capital into the home, it is only pricing out at 15 % down. This will require us to escrow our taxes and insurance and also pay a Private mortgage insurance monthly payment. The cost of these has added significant stress to our family now as well with a single household income and a newborn at home.
Consumer complaint received 2024-08-13
Product: Credit 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: U.S. BANCORP (CO)

I ordered XXXX  large outdoor solar lights to put around my barn on XX/XX/XXXX from a company called XXXX XXXX  XXXX. The charge in the amount of {$290.00} showed up on my credit card statement on XX/XX/XXXX. The number that showed up appeared to be a Nevada number, but I thought the lights were coming out of Utah. A month went by and I hadn't received the lights, so I called the company several times to inquire on a delivery date but could never get through. I finally was able to talk to a human in about XXXX and they said they wouldn't deliver the lights until I gave them a drivers license number or a green card number. No vendor had ever asked me for that information before and it raised a lot of red flags. I didn't give them my drivers license number and they refused to send the lights in spite of the fact I'd already paid for them. I alerted Elan Financial Services of this issue and on XX/XX/XXXX, XXXX reversed the charge and requested a dispute form, which I faxed to them on XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX saying they had talked to XXXX XXXX  XXXX and were provided with a tracking number for the package that proved there was a delivery on XX/XX/XXXX, so the charge was reapplied to my card. Yes indeed, we did get a package from XXXX XXXX  XXXX from a Michigan address, but it was a XXXX '' X XXXX '' box. Not only was it empty, but there's no way ( XXXX ) XXXX long outdoor solar lights would have fit into that box. I contacted XXXX again and they asked me to file another dispute with photos of the box and tracking number, which I did and faxed to them on XX/XX/XXXX. Months go by and I never heard back from XXXX. I call them and they say they've been trying to call me, but they were calling a land line that had been disconnected over XXXX  years ago. Then they tell me that the deadline to resolve the dispute was XX/XX/XXXX, even though they requested more info from me on XX/XX/XXXX. I've been a loyal customer in good standing with this credit card company for over XXXX  years so I thought they might make an exception, but they wouldn't budge. They wouldn't take the charge off even though I proved my case with the evidence they requested. They closed the case and I'm still stuck with the charge for lights I never received.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC. (TX)

The negative rating on my account is a source of considerable anxiety. I'm extremely apprehensive about its potential effects on my credit standing. This unfavorable mark has already led to a rejected loan application and higher interest rates on my current credit accounts. I can not overstate the financial hardship and emotional toll this adverse rating has inflicted and will continue to inflict until it's addressed.
Consumer complaint received 2024-08-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP (CA)

There are two collections reports on my credit for XXXX by both XXXX XXXX XXXX XXXX XXXX, and XXXX by XXXX XXXX XXXX. 

This amount was negotiated by XXXX in an email and set to pay. When I called to pay, they said they could not accept the negotiation ( which was already agreed upon in writing, in an email ) and that the debt was already sold. This was the same day I negotiated the debt with an XXXX agent on the phone. Attached is the email of negotiated proof Both agencies have reported this debt to my credit report and BOTH are correct. Neither company is answering my calls and are not providing information in regards to the debt. 

There is also a class action suit against XXXX for unfair collections practices and deposit handling
Consumer complaint received 2024-08-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I refinanced my car with Capital One Auto Finance ( COAF ) for one reason, it was to remove my ex-boyfriend from the title, relying on the " or '' clause and affirmations from both the XXXX and COAF. Despite this, he remained listed on the subsequent registration renewal. Efforts to rectify this led to a series of incorrect paperwork from COAF and threats from my ex to sell the car. Despite assurances from COAF that he couldn't sell the car as he wasn't on the loan, he managed to do so after stealing the vehicle. COAF 's response was contradictory ; they acknowledged the payoff from him and processed the sale, directly contravening their assurances and my instructions.This debacle has led to the loss of my car, financial damages approximating {$20000.00}, and significant emotional stress. My complaints to COAF were initially dismissed without explanation, though they later admitted fault which I have on a recorder voice call as proof, they still failed to follow through on promises of resolution. It was upon the first complaint to consumer protection bureau that actually turned their willingness to take care of me financially for their misrepresentations causing my financial loss to inaccurate and dismissive responses.This situation has not only resulted in substantial financial loss but also contributed to personal upheaval, including the end of my relationship and severe health issues as a result of stress related to such a financial loss. It appears that Capital One 's processes and their offshore customer service have grossly failed to prevent such an occurrence, unlike other institutions I've consulted. 

I replied to the latest reapince from them on XXXX occasions without any response back. So I again request follow up through placing a complaint here. Id like to add that my car was sold and the XXXX was mailed to new owner on a date prior To their letter where I was given XXXX date to fill out a dmv form. So their excuses are inaccurate as they accepted payoff and send title not Paying attention to the title departments efforts to perfect the title With my correct name spelling which should have been done form day one that the loan was active. Moreover they didnt need any paperwork timowrfect the title without the other co owner becouse we had an or between our Names which gave the other owner automatic permission to released the other upon refinance or sell Yet even thought they swore on a recorded line that it was The dmv who had that policy they were wrong, Very wrong It cost me $ XXXX plus snd now they ignore me
Consumer complaint received 2024-08-14
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

We have had a situation that led to the bank informing us that because we chose to use the app, that in XXXX  we were sent documentation in an account change that recommitted to removing our consumer protections if we continued using the available banking platform. This banking institution is nation wide with no physical presence in our region but did not provide options to opt out of the consumer protection revoking. We have been having issues with bank withholding our income after 37 deposits from the same institution due specifically to the unlawful revoking of protections.
Consumer complaint received 2024-08-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (PA)

Hello- I am the successor in interest for a mortgage with Freedom Mortgage. We had to file a claim with the insurance company and the insurance company included Freedom Mortgage as additional payee on the check. The roof on our detached garage is severely compromised due to a wind storm. Freedom Mortgage contracts XXXX XXXX in XXXX, MI to handle their loss/claims drafts payments. It has been extremely difficult working with XXXX XXXX to get the funds to start these repairs. I have been assigned a " processor '' with XXXX XXXX who is supposed review the insurance estimate and monitor/proctor the amount being released. The total amount of the loss is approximately {$10000.00}. I have emailed the processor several times via email and also via their portal and I have received no response. I spoke to a supervisor last week at XXXX XXXX and she advised she would get with the processor and ensure they reach out and that hasn't happened. She also advised to send in a materials list to show what the costs of the materials would be so they could at least get that amount sent out to me. The materials are over $ XXXX. I checked the portal today and it shows they are only sending {$860.00} to start. This is absolutely ridiculous. What repair contractor is going to start the repairs for a $ XXXX job with less than {$1000.00}. I explained this in advanced to this company and the supervisor assured me they would review materials list and at least send that out to start and then once the work is done, they would have a 3rd party company come out to inspect and then release the final payment. None of this has happened. They are refusing to release enough to get garage back to a pre-loss condition. Freedom Mortgage and XXXX XXXX is refusing to offer any true solutions!
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DriveTime (PA)

Its been over 30 days and the creditor has not updated the information nor have they provided proof or documentation in regards to late payments they have not supplied this information and they must delete alleged late payment from credit report under federal law they had 30 days to complete investigation and by failing to do so the item must be deleted as soon as possible