davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (NY)

On XX/XX/2019 I applied for a refinance on my current mortgage with Nationstar d/b/a Mr. Cooper, I wanted to take out {$100000.00} cash. 

After several months of back and forth e-mails submitting all the requested documents in a timely manner, with the loan processor, XXXX XXXX, it was like pulling teeth to get the status of my loan. Every time I went into the Mr. Cooper site, all I would see was " In review, '' and the closing date kept being pushed back about six times, maybe more. I would call Ms. XXXX or send an e-mail and she didn't know what the hold up was, and that she would send them a message. 

Three month 's later, I finally get the message that my loan has been approved, but I still had to submit more documents, namely my insurance information. The whole process has been a nightmare dealing with Mr. Cooper, but still I submitted what was asked for. 

After yet another e-mail, in which I initiated, I finally get an e-mail that she was going to try to set up the closing on Wednesday, XX/XX/XXXX or Thursday the XX/XX/XXXX. 

I was super excited, the long-awaited day is finally here. The notary public arrived at XXXX with documents ready to be signed. Much to my surprise the amount on the document was about half of the {$100000.00} I requested! The Notary calls the attorney who told me that I can sign for the {$58000.00} and Mr. Cooper can submit the corrected documents, or not sign ... I said I am not signing anything, because that's not the amount I requested. Nobody told me that the loan amount was going to be significantly reduced. 

I contacted Ms. XXXX, and she acted surprised and didn't have a clue on what happened. She went back into my account and said " Oh I see that in XXXX they reduced it '' ... a long pregnant pause ... but that she did not know why it was reduced. She would have XXXX XXXX, the person who initiated the loan call me. 

Mr. XXXX called me and informed me that Ms. XXXX should have disclosed the fact that I could not borrow more than 70 % of what I owe on the loan ... that If I still wanted the XXXX it would be at a much higher rate, which was never given to me as an option. I told him she never did and she acted surprised. I told him I was furious as I've wasted months trying to secure this loan and provided everything asked of me and for it to conclude like this was disheartening. I told him that Mr. Cooper did not act in good faith and that I was going to file a complaint. He said he would have his supervisor " XXXX '' call me the next day. I have not heard from anyone to try to resolve this very unfortunate situation. And now I'm left in a terrible bind, as I needed that money to do some home repairs, buy a new vehicle and pay my son 's tuition.
Consumer complaint received 2019-09-28
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 — Investigation took more than 30 days
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

ARS ACCOUNT RESOLUTIONS are still reporting information on credit without doing their due diligence. Per the FCRA a debt collector must notify you in writing allowing you the opportunity to dispute or at least investigate prior to placing any items on your credit report. 
I Was never notified that ARS was attempting to collect on a medical debt from XX/XX/XXXX by a third party. Per statute of limitations in the state of Texas there is a four year time limit with regard to this in the court of law. 
Recently I checked my consumer reports and disputed this on XX/XX/XXXX and ARS was  supposed to investigate this. It has been over 30 days and I never received a response or any documentation regarding my dispute. 
If this is not removed I am prepared to take legal action against this company.
Consumer complaint received 2019-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Caller identified himself as XXXX support team regarding a virus protection plan I had in the past and had cancelled over a year ago Told me I would be charged a renewal fee of several hundred dollars if I did not cancel over the computer. He advised me to go into my computer ( he aready had my code which they assigned when I purchased the plan ). I did so and he was able to view all my banking accounts. He told me XXXX was going to reimburse me about {$600.00} in two amounts {$420.00} and I think {$170.00} not sure. Anyway he then told me for some reason he had made an error in the amounts and it could only be corrected it i went into the bank. I live in FL and we were having a possible Categroy 5 hurrican in XXXX. XXXX and I was busy packing for a possible evacuation so I was very unnerved and distracted by that situation and the phone call. I kept him on he other line and called Bank ofAmerica to verify this info, but I couldn't get through so I hung up. He then told me I had to go into the bank, withdraw the money he had put in my account and go to XXXX  and purchase a gift card. That's when I realized something was very wrong. I hung up on him. I rushed to the bank only 10 minutes from my house and reported the fraud and they closed all my accounts and reopened new ones. They had already taken {$2000.00} advance from my credit card and something out of my bank account. BAnk rep assured me everything was straightened out and I did not lose any money. Now I keep getting letters from Bank ofAmerica stating my fraud claim is denied and I am reponsible for the {$20000.00} on my credit card. They had denied it 2 times. I also called the police, but they told me there really wasn't anything they could do. Am I liable for that {$2000.00}? Please help. Thank you
Consumer complaint received 2019-09-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: National Credit Adjusters, LLC (DE)

I have documentation that national credit adjusters, account number XXXX, reduced total do from XXXX to XXXX and I put XXXX towards the XXXX and have been paying XXXX by weekly without a missed payment, therefore my total should be approximately XXXX left on my balance, just need it to be corrected on my credit report, and I will be contacting national credit adjusters as well to get this corrected. I can send you the documentation that I have, if needed.
Consumer complaint received 2023-07-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (AZ)

XXXX XXXX XXXX XXXX XXXX ( XXXX )  erroneously sent my account to collections without attempting to bill my insurance. The account was cleared after I contacted the company ( XXXX  ) but did not close the collections account with one of the two collection agencies they used to collect the erroneous debt and will not close the account with Ability Recovery Services who is refusing to close the account until they are contacted by XXXX. XXXX refused to give me any documents related to my account showing the account was closed.
Consumer complaint received 2019-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MN)

CCS COLLECTIONS AT XXXX XXXX XXXX, XXXX, MA XXXX, AND XXXX CREDIT BUREAU ALONG WITH XXXX CREDIT BUREAU REFUSES TO PROPERLY REINVESTIGATE MY DISPUTES AND CCS COLLECTIONS, XXXX XXXX XXXX, XXXX, MA XXXX REFUSES TO RESPOND TO MY DEBT VALIDATION LETTER. I AM NOT RESPONSIBLE FOR THE DEBT. THE ORIGINAL CREDITOR IS : XXXX, XXXX XXXX, MN. ACCOUNT : XXXX. THE ALLEGED AMOUNT {$170.00}. I LIVED WITH MY SON IN XXXX, MN FOR 1 MONTH AT THE ADDRESS THE ACCOUNT IS BEING BILLED FOR FROM XXXX XXXX XXXX XXXX. MY SON ORDERED THE XXXX SERVICES AND IS RESPONSIBLE FOR THE DEBT. HE IS REPORTED XXXX IN CALIFORNIA. I HAVENT HEARD FROM HIM SINCE XX/XX/XXXX. MY SON WAS THE LEASE HOLDER. I HAVE SPOKE TO CCS COLLECTIONS ABOUT THIS, AND EVEN OFFERED TO PAY IT IN FULL FOR MY XXXX XXXX SON, BUT CCS COLLECTIONS REFUSED TO REMOVE THE NEGATIVE REMARK WITH THE CREDIT BUREAUS, EVEN IF I PAYED IT IN FULL. I PLAN TO SUE THEM, XXXX   AND XXXX FOR CHARACTER DEFAMATION. XXXX DID DELETE THIS FRAUDULENT DEBT. XXXX, XXXX AND CCS COLLECTIONS CONTINUE REPORTING IT IN MY NAME MONTHLY. CCS HAS REFUSED TO OFFER ANY VALIDATION OF THE DEBT.
Consumer complaint received 2018-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I called capital one on serveral occasions telling them im a victim of indentity theft & my Info was used fraudulently to opened an capital one account and its showing a remark of bankruptcy which I have never filed.
Consumer complaint received 2019-09-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BARCLAYS BANK DELAWARE (IL)

XXXX XXXX  not only contacted associates that had nothing to do with my account, they disclosed information to the third party in regards to the debt. It was embarrassing, deceptive, intimidating. I asked XXXX XXXX to cease all calls, and I also informed them I want only written communication. They still call me! Even after I informed no more calls. This company should not be in business disclosing an individuals personal business matters to third parties and repeated calls after DNC
Consumer complaint received 2019-09-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Protfolio recovery not only contacted associates that had nothing to do with my account, they disclosed information to the third party in regards to the debt. It was embarrassing, deceptive, intimidating. I asked Portfolio Recovery to cease all calls, and I also informed them I want only written communication. They still call me! Even after I informed no more calls. This company should not be in business disclosing an individuals personal business matters to third parties and repeated calls after DNC
Consumer complaint received 2019-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Management Systems Inc. (FL)

This company is fraud, i have never opened an account with yet they are reporting inaccurate information on my CR. XXXX on XXXX and XXXX on XXXX. i never signed a lease with the company they are representing and i never lived at the other company either. i have told them numerous times to remove this information, yet they keep it their expecting me to pay for something that is not mine. You all need to remove this stuff from my report now
Consumer complaint received 2019-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Just looked on my credit report today. Found XXXX XXXX, XXXX XXXX/ XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX. This is untrue. I am part of numerous data breaches. I had identity theft. I reported this already. I never ever! Asked for credit never made these inquiries. These need to come off. Experian and XXXX   credit reports. At this time XXXX XXXX is not showing these inquiries. These inquiries was not made or done by me. This was unknown with out my knowledge.
Consumer complaint received 2019-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (AZ)

I received a letter from the mortgage company stating that I could cancel my PMI insurance once my loan reached 80 % loan to value, or they would cancel it for me without me having to submit any paperwork or appraisals once the loan to value reached 78 %. i called and spoke with multiple people who confirmed this. They did not cancel my PMI when they were supposed to, and i called them a few months after it should have been cancelled and asked them to cancel it and provide me a refund for the months that i paid it and shouldnt have. they promptly cancelled it as of XXXX, but i still have not received my refund. i have called them multiple times and i am told they would have someone review it but they never do. in XXXX, they told me to email payment inquiry, and i did that and received an automated response that they would respond to me in 2 days and i never did so i emailed it again and still have not heard back as of XX/XX/XXXX. i called again on XX/XX/XXXX and spoke with XXXX, a supervisor and he told me that they would not have cancelled the PMI on their own because my loan was not 5 years old. nowhere on the letter or any of my mortgage documents does it say this so i told him that is unfair business practices and that i would still like a refund. he said to email them on their website and direct it to the PMI department and i did. it has been over 5 business days and i have not received a response from them even though the automatic reply says they will respond in 5. i called again today to check the status and i was told that nobody even works in that department. so who was going to issue my refund or respond to my emails?
Consumer complaint received 2019-09-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

Hello, my name is XXXX XXXX. I have a situation that I can not do by myself anymore and I need help. I have been trying to receive a loan modification for a very long time now. I was transferred not too long ago to a new servicer RUSHMORE LOAN MANAGEMENT SERVICES , LLC. There is a foreclosure sale scheduled for my home on XX/XX/XXXX. 
From my first bank, XXXX  XXXX XXXX and they have denied me multiple times for a loan modification until XXXX XXXX XXXX transferred my loan to XXXX. I told XXXX I want to apply for a loan modification. They have told me to pay {$2000.00} for a Trial Period Payment of 3 payments. I told them I can not afford that and I asked them to apply me for a loan modification. XXXX sent me an application for a loan modification. I have filled it out and faxed the full packet to them. After 3 months they then have told me that I do not meet the qualifications for the XXXX loan modification and the representative told me to apply for the Keep Your Home California program. So I did. But the Keep Your Home California program has denied me. At this point I applied for the Making Home Affordable Program and faxed over a full packet to XXXX. After some time I yet again get transferred to another servicer which is now my current servicer RUSHMORE LOAN MANAGEMENT SERVICES , LLC. 
I sent over the a full packet to RUSHMORE LOAN MANAGEMENT SERVICES , LLC again in hopes for a loan modification review. I and my family are in a very tight spot with RUSHMORE LOAN MANAGEMENT SERVICES , LLC and we do not know what else to do. I can make monthly payments for this loan of around {$1300.00} for the loan, insurance and taxes. That is an amount I can afford. Please review this company as to why its taking so long to review and approve the loan modification process. Seems as though every company is prolonging the process as much as possible. 
RUSHMORE LOAN MANAGEMENT SERVICES , LLC are in Violation of my CALIFORNIA HOMEOWNERS BILL OF RIGHTS
Consumer complaint received 2019-05-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Eagle Accounts Group, Inc. (NY)

I shared my info that im facing hardship plus my income was below 25k for the years of XXXX up to XXXX. I also have been taking care of a sick parent that been in & out of the hospital plus helping financially as much as possible. I shown all my copys w2s proof of payments insurances and support payments daycare payment housing but at this time i need help real assistance because my credit is taken a mayor hit for some time now. As a young adult at the age of XXXX teen im now XXXX of age having a bad credit history has effected me because im unable to get a high paying job plus my license as a XXXX XXXX XXXX or driven license to work in the industry i once did were i was making close to $ 80k a year i really need this company that reporting to be remove. When i shown all my info with my lawyer they were suppose to make changes to my account and never did by there lack of work in adjusting my account properly it has put my life financially in a downward spiral because of a high support amount that doesn't reflect the law nor does it reflect my current wages nor does it reflect my current agreement. Past amount was XXXX  a month now it increase to 800 plus bring me to XXXX which i cant pay and may need to file for bankruptcy.
Consumer complaint received 2018-04-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (SC)

I applied for mortgage assistance in XX/XX/XXXX with Chase. I am now in the 9th month with no resolution. I have answered the same questions over and over. I have sent all requested paperwork in duplicate and triplicate. I have spoken with them weekly to resolve any issues. 

When I called to check on my loan status in XX/XX/XXXX, I was informed that I had already called in on XX/XX/XXXX to cancel all activity on my loan and that I was no longer interested in a loan modification. I did not talk with anyone at Chase at all on that date. Since all calls are recorded, I have requested to hear the recording of this call. My case was closed. After escalation of my complaint and transfer to another department, the account was supposedly reopened, however all documentation would need to be resent. So we effectively started from the beginning. 

Chase can not be this accidently inefficient. My application is clearly being treated in a delaying and fraudulent manner. Each time I call I speak with a different representative. I have been assigned at least 4 Relationship Managers ( Ive spoken with one ). I received 2 copies of my appraisal in XX/XX/XXXX one day apart, and another copy in XX/XX/XXXX. Letters are erratic, stating that information is complete and then it is not.

In summary, I have been shuffled around from department to department, talked to multiple people making duplicative requests, sent and resent income documentation multiple times, been driven into default due to inability to finalize refinance request, been told that my refinance request was closed, claiming I called and requested they do so, been denied recording evidence of my call that the refinance request be closed, been offered reinstatement of the refinance request ( in XX/XX/XXXX ) with a non-committal expectation to have a final response on approval within the next 30-45 days ( the same time frame provided at the time I opened my initial request 9 months ago ), been offered no further apology or admission of fault. 

I would not be in this position at all if I had not been advised by Chase back in XX/XX/XXXX that a home equity loan would be better for me than my requested conventional mortgage. ( It would then not be qualified for the automatic loan modifications that followed the XX/XX/XXXX recession. ) Recent Chase advice specified that if I did not qualify for modification under this current application, I would need to be at least 4 months in arrears before looking at other options. Since the loan process would be completed within a 45 day period ( per Chase ), I stopped making payments on the property to cover this possibility. Now 270 days later, my credit score has dropped and affected my relationships with other financial institutions. 

The treatment I have received from Chase has had a huge negative impact on my life. I need this situation resolved.
Consumer complaint received 2019-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

XXXX XXXX person call me from there office asking me about an account back in 2002 with XXXX XXXX XXXX in regards to my credit card running late. First I still have XXXX XXXX XXXX  card in which I spoke to them and told them that the person called me from XXXX  XXXX telling me about my credit and going down my credit report one creditor after another one and asking me why I disputed this and that. Was asking me questions about my credit cards and how one of my XXXX credit cards had a high limit. XXXX XXXX obtain information that is false as I was told by XXXX  XXXX bank back in 2002. XXXX  XXXX also ran my credit in places I did not give them permission for some one to go down my file. XXXX XXXX is not a credit bureau nor a Financial place of business to be calling me going over my credit file asking me about things finance and why I disputed who I disputed and why. I see fraud done to how they obtain my information and want the credit bureaus to mail me a copy out regarding any credit pull by a company named XXXX XXXX. I have had fraud done.
Consumer complaint received 2019-09-28
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/XXXX a very detailed letter was sent to this original creditor Capital One Bank, asking them to fix the misleading, erroneously reporting, slanderous credit reporting, The letter expressed, that I was looking for this Information to be updated and corrected as it is hindering my credit score. 

The letter sent that was sent was AFTER Capital One Bank had verified their alleged reporting to be accurate and TRUE. 

The response from Capital One Bank dated XX/XX/XXXX did not only address anything I had stated in such detail but they completely ignored the mis reporting ( s ) and proceeded to say " the late payments that were reported in XX/XX/XXXX and XX/XX/XXXX were accurate. 
What about all the other months that were reported as onetime to one CRA but not the other three? As the original creditor, as a financial institution, I would expect their reporting to the CRA 's to be accurate and the notified of misreporting for it to be addressed as such. Also, they would've retained impeccable records and provided them upon request. 

Copies of statements DOES NOT services as ANY form of validation.