davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (CO)

I initiated a balance transfer from my XXXX  credit card, specifically a Double Cash Card, to my Chase credit card, specifically United Airlines card, which registered on my statement on XX/XX/XXXX. I was charged a balance transfer fee on the XXXX  on XXXX when it was completed. However, the payment of {$1400.00} was never applied to my Chase United card. I contacted Chase regarding the issue and was told that a temporary credit would be applied on XXXX as they did an investigation. On XX/XX/XXXX, I received notice that they had completed their investigation and found no evidence of payment so my temporary credit was removed. At this time, I have charges for the same amount on two credit cards but both credit cards have been notified of the issue and neither has resolved the issue. I have the most concern and grievance with Chase for depositing a check that they did not properly apply a credit or investigate any questions or concerns for a check despite it being months that they should have noticed and resolved this issue. Additionally, it is frustrating that online customer service can provide little support and that the credit card company is wasting my time by not solving a problem that is their fault. They deposited a check without properly applying the credit and then did a poor investigation without contacting the issuer of the balance transfer despite being provided the contact details. There should be a standard for handling balance transfer issues that is industry-wide that does not place blame on the consumer. Credit card companies should work together and have a better system to handle these issues. Checks should also not be deposited if the details do not match up or if there is any question about where it should be applied. I demand another investigation and the removal of the credit on one of the accounts, preferably the Chase, as well as any fees incurred.
Consumer complaint received 2020-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently I submitted a dispute with Transunion about two separate items. The first item was for an account with XXXX XXXX. The account came back as verified as accurate when it should have come back as included in bankruptcy. I had also recently filed chapter XXXX bankruptcy and this was an included item. When I disputed this item with XXXX, they managed to do it correctly because the bank verified with them that it was indeed included in my bankruptcy, but for some reason or another Transunion did not. DO you want to tell me that this bank is giving out two separate verification 's to two separate credit reporting bureaus? I seriously doubt that. I think that you did not do your due diligence and properly investigate this item and it is killing my credit score. Furthermore, you guys are notorious for reporting incorrect information and refusing to have it removed when brought to your attention. The next step from here if this doesn't get resolved to show that it was included in my Bankruptcy is to take you to court on it. Please don't let it get that far, but I will if I have to. Just because the bank has reported the incorrect dates for this account does not mean that it wasn't included in my bankruptcy filing. Again, they managed to report it accurately with Equifax, but for some reason with you it wasn't and I want it fixed asap. I will attach proof of this. 

The second item is your reporting of my The XXXX  XXXX XXXX  account ending in XXXX. This account was also recently disputed, and as usual with you guys, it came back with incorrect and even worse information than you had before the dispute. This account was also disputed with the other bureaus and they managed to verify it the correct way. Once again with you, it was not and it is seriously damaging my credit score with you guys. I feel like you guys want people to have bad scores because you make more money when they do. Again if this doesn't get properly fixed, I will file a court case on you for this as well. The balance as of the close of the very last statement with this account should be at {$200.00}. I will attach the statement for your review. Somehow you managed to come back with an amount that is much higher than my credit limit with this bank of {$340.00} You can clearly see why this would damage my score. The other two bureaus have it at {$200.00}, but not you once again. This needs to be rectified asap, and I don't mean in another 30 days since you already took 30 days on both of these accounts just to come back with wrong and damaging information thus hurting my score and my credit and making it near impossible to obtain any other credit with anybody else.
Consumer complaint received 2020-02-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (PA)

I defaulted on a judgment order with Midland for {$4400.00}. Midland sent me an official notice on XX/XX/XXXX that a lien had been placed on my property, by the county, until the debt is paid. Midland is not allowed to garnish my wages in PA. On XX/XX/XXXX, over {$7500.00} was removed from my bank account. I never received notice from Midland or the bank that this was going to happen. I have also been told that I will not have access to my account until I pay the balance due. I contacted Midland to ask them to have the bank release the money directly to them. They said no, I need to come up with the money from somewhere else. The banker and I tried to contact the Midland lawyer, but all of their phone numbers are directed to someone to take a payment. I was told that you can not talk to the lawyers. I can try to email them. The writ of execution that they signed has frozen my bank account. I have no access to any of my money ( the money in there was actually my daughters federal loan for college that was just deposited ), and Midland will not offer any help and kept asking me for my debit or credit card to pay the balance. Extortion?
Consumer complaint received 2020-02-15
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. (NY)

Looking into my XXXX. I see that I have over 18 reporting within 2 weeks period. A lot from car dealers and XXXX. However I myself personally have not applied for a new car or XXXX. And trying to contact all of them at once its hard to do.
Consumer complaint received 2020-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

XXXX - failed to process income based repayment application loan interest capitalized XX/XX/XXXX - updated income for income based repayment plan. incorrect calculation. 
XX/XX/XXXX, corrected income calculation. Counted as lapse in payment plan - capitalized interest XXXX in interest. restarted clock on time payment forgiveness. 
XX/XX/XXXX, XXXX submitted income based repayment plan renewal form and income information. XX/XX/XXXX, income based repayment plan expired, interest capitalized {$12000.00}. restarted clock on payment forgiveness.
Consumer complaint received 2023-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (TX)

SSN was used to open a gas bill in my name. Bill was unpaid and put onto my credit report. I was not of age when this gas bill was opened. Tried disputing through XXXX but they will not drop it from my report.
Consumer complaint received 2020-02-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (TN)

So I am working with bridge crest financial to get my loan back up to speed, I have XXXX XXXX XXXX  XXXX and have a hard time talking.So on XX/XX/2020 XXXX i set up a payment agreement with XXXX a supv. at bridge crest and may sure I would not receive anymore calls till XXXX sure enough on at XXXX XXXX  on the same day, received a call harassing me.so i called back at XXXX XXXX   and talked to XXXX and she said she would look into it. so this morning sat XX/XX/2020 at XXXX XXXX  i get a call back saying that were sorry about call and that that would educate csr and manager. i am under doctors  orders to talk as little as possible, last year they compensated me XXXX for calling at XXXX XXXX  for my agreeing not to file complaint. now the wont or refuse to compensate me for harassing calls after admitted fault and violating laws regarding harassing calls. i have all recordings of calls since XXXX is a one party consent, and screen shot of call made to me.Attached is number of XXXX that was called at XXXX XXXX  that was in violation
Consumer complaint received 2020-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

Since XX/XX/XXXX I've sent more than enough docum2 to prove my identification was stolen twice, and I'm stranded from my homw state of XXXX. 

In XXXX I sent proof of established credit from XXXX before my life was threaten by this identification theft that change my name to " XXXX '' instead of XXXX which made my social security card & XXXX  id not match. 

I'm the victim of an federal offense, why do I need to fix my : Not having a fico svore from XXXX. 

My XXXX  credit file has my statment for creditors to review, not allowing my credi card to be approved after sending documents for months in an disgrace. 

I'm XXXX, because the XXXX  XXXX made an clerical error on XXXX  name & XXXX  data breach has nothing to do with me. Approve my credit before I file an federal lawsuit under the fair credit act.
Consumer complaint received 2021-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (VT)

Over the past one and a half year, Capital One has charged me abusive interest 3 different times. One 's understanding of their terms, which is similar to many other credit card companies, is that, as long as you don't carry a balance, or pay the full statement balance, you shouldn't get charged interest. Capital One has charged me interest for 3 billing cycles because of one residual balance I carried until the next month. In the other two instances, I was charged interest for months for zero reasons. I tried to ask them to clarify these situations to me over the phone.

For the most recent incident, ( Interest charged from XXXX - XXXX in the total amount of {$64.00} XXXX they went over it and had the nerve to tell me that yes, it can take three billing periods until they stop charging me interest for a balance not paid in full. Wow!

I asked them to clarify the other two incidents and they refused to.

These were : 1 ) XXXX - XX/XX/XXXX three months ' worth of interest in the total amount of {$77.00}. This came from nowhere, because from XX/XX/XXXX until XX/XX/XXXX everything was paid in full each month. 
2 ) XX/XX/XXXX - XX/XX/XXXX I got charged interest for FOUR consecutive months in the total amount of {$98.00} because I carried a balance from XXXX until XX/XX/XXXX ( a month!! ). 

This should be ILLEGAL. This predatory, back-stabbing company has charged me interest up to my neck, for rare occasions when I'm not able to pay the statement balance in full. They take advantage of the customer by punishing with abusive interest charges for 3-4 months for a balance that is no longer there, but was at one point. It's enough I have to pay for their annual fee which gets charged every single XXXX, then I'm hit with abusive interest. I've never done cash advance and I don't think I've been late on my payments in over 5 years.
Consumer complaint received 2020-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Since XX/XX/XXXX I've sent more than enough docum2 to prove my identification was stolen twice, and I'm stranded from my homw state of XXXX. 

In XXXX I sent proof of established credit from XXXX before my life was threaten by this identification theft that change my name to " XXXX '' instead of XXXX which made my social security card & XXXX  id not match. 

I'm the victim of an federal offense, why do I need to fix my : Not having a fico svore from XXXX. 

My XXXX  credit file has my statment for creditors to review, not allowing my credi card to be approved after sending documents for months in an disgrace. 

I'm XXXX, because the XXXX  XXXX made an clerical error on XXXX name & XXXX data breach has nothing to do with me. Approve my credit before I file an federal lawsuit under the fair credit act.
Consumer complaint received 2021-11-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NETWORK CAPITAL FUNDING CORP (MD)

I am in the process of refinancing the mortgage & HELOC with XXXX XXXX. 
Network Capitol is the new lender. The locked in rate is 3.75 % 30 year fixed. We were supposed to close yesterday. Today XXXX XXXX of that company called & increased the rate to 4.125 % with additional closing costs of around {$700.00}. If I am willing to stop the refinancing he promised to pay back the appraisal fee of {$640.00}. 
First he increased the points & now he has increased the interest rates & costs. 
Please investigate this matter & order them to close or compensate me for financial losses.
Consumer complaint received 2021-11-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMA Advisors, LLC. (FL)

In XX/XX/2021, we were pursuing an extended lock rate with Homebridge Financial Services ( HFS ) for a FHA loan with an expected closing in XX/XX/2021. At that time, HFS was the only mortgage company that could offer us an extended lock rate for which a deposit of {$1800.00} was officialized under the impression that it was a refundable deposit. 

In early XX/XX/2021, after receiving our closing letter, we also received other lending options which had lower interest rates and closing costs. We decided to pursue the lender with the best offer and asked HFS to refund our lock fee deposit. HFS denied our refund stating that the lock fee was forfeited when we decided to pursue our financing with another institution. 

Below the arguments we have already presented Homebridge Financial Services in our lock fee refund request and respectfully request CFPB to evaluate in this claim : 1. Deposit for an extended lock rate was made on XX/XX/2021, under the representation by XXXXomebridge Financial Services that it was a refundable deposit that could be used as cash to close in the future. We were never made aware that this condition was exclusively with HFS or that this deposit will be forfeited if we choose a different lender. In fact, no additional terms or conditions were disclosed at that time.

2. The Extended Lock Rate Agreement, with the terms and conditions that HFS is now holding as reference, was uploaded to the portal on XX/XX/2021, fifty ( 50 ) days after HFS requested our deposit money. Terms and conditions for the Extended Lock Rate Agreement were never disclosed at the time of our decision making.

3. The first page, last paragraph of the Extended Lock Rate Agreement states : " This Extended Rate Lock Agreement shall become binding when signed by you and the lender, and upon payment of the Lock Fee ''. 

The agreement continues in capital letters and portions in bold : " A LOAN IS NOT LOCKED UNTIL AN AGREEMENT HAS BEEN ACHIEVED WITH YOUR LENDER, AND YOU HAVE ENTERED INTO A SIGNED RATE LOCK AGREEMENT. YOU MUST SIGN THIS EXTENDED RATE LOCK AGREEMENT AND RETURN IT TO THE LENDER ALONG WITH ANY LOCK FEE WITHIN 2 BUSINESS DAYS. '' Since this agreement was never divulged back in XXXX, it has never been signed by us. According to the above, the loan was never locked and the lock fee never used. 

4. Homebridge Financial Services, after failing to properly disclose the terms of the Extended Lock Rate Agreement and lacking a binding arrangement, is unreasonably withholding our {$1800.00} deposit.
Consumer complaint received 2020-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO. (TX)

Since XX/XX/XXXX I've sent more than enough docum2 to prove my identification was stolen twice, and I'm stranded from my homw state of XXXX. 

In XXXX I sent proof of established credit from XXXX before my life was threaten by this identification theft that change my name to " XXXX '' instead of XXXX which made my social security card & XXXX  id not match. 

I'm the victim of an federal offense, why do I need to fix my : Not having a fico svore from XXXX. 

My XXXX  credit file has my statment for creditors to review, not allowing my credi card to be approved after sending documents for months in an disgrace. 

I'm XXXX, because the XXXX  XXXX made an clerical error on XXXX  name & XXXX  data breach has nothing to do with me. Approve my credit before I file an federal lawsuit under the fair credit act.
Consumer complaint received 2020-02-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I registered a complaint on XX/XX/XXXX, XXXXReferencing complaint # XXXX. A representative from CFPB, XXXX, XXXX, XXXX, contacted me to clarify my points. This complaint was filed against Bank of America and my recent mortgage refinance. 
I am not sure if this is the correct avenue to take at this point, but I reached out to XXXX, and not knowing the correct procedure for update or additional concerns, I am writing this appeal. 
As noted in my complaint there were several closing dates assigned to this settlement. The one dated XX/XX/2020 was held at a BoA branch. My husband and I signed documents, which noted the closing date and the disbursement date as the same, XX/XX/2020. As we discovered the mortgage had not been disbursed until XX/XX/2020. It appears this delay by BoA increased our Total Payoffs and Payments ( line item K in the Closing Documents ) to increase by {$3000.00} in our new adjusted mortgage. My complaint is that if BoA had closed and disbursed as documented and signed at our XXXX closing personally attended appointment with a XXXX XXXX XXXX representative, the {$3000.00} would not now be included in our 15-year mortgage total payoff but submitted through our escrow.I was not aware of this change in Total Payoff amount until we received the XX/XX/2020 Closing Documents in the mail. No explanations were offered or given by BoA. 
Overall, this adds to the concern for procedures, delays, and outcomes caused throughout this refinancing process.
Consumer complaint received 2020-02-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (PA)

Mortgage is delinquent by {$14000.00}, working with Loss Mitigation department for months with no resolve. Mortgage collection sold to Shellpoint Mortgage Company 15 days ago. Spoke with them and was told the Mitigation was in process with them now and was being handled by our representative. I could call to make payments on automated systems XX/XX/20 Called to make a monthly payment, automatically routed to an alleged representative that is never there and will not return calls. 

Called back without identifying self and got an agent who refused to take a payment, only will take payment in full, otherwise must talk with assigned representative who is not available. 

I noted to agent that this is a recorded line and is therefore discoverable. Asked to escalate to a supervisor was left on hold for A representative took the call since past due account they can not take a single payment must be 4 of those payments. I am not able to accept one payment at this time I can not pay one months payment in any way, shape or form. They can not take anything but 4 payments, this has never been said or sent in writing this is the first I am hearing this. I was welcomed to mail in a check but it could be refused and returned or held with no action. 

Note that previous company, XXXX, took monthly payments while working on a payment arrangement. Fees continue to escalate during this time. 

I asked for a manager and was placed on hold once more. 

With the manager, we advised each other we were both recording, I simply repeated everything I was told for confirmation and again asked for a process to send in a monthly payment. Given same story with no option to make a payment other than an amount I can not pay. Because the payment arrangement was not in place, they will not take any monthly payments until this is reviewed and will take up to 60 days 2 months of additional and forced delinquency to complete this review. Any payments sent in will be returned. I questioned the legality and was told this was their policy.
Consumer complaint received 2020-02-15
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EMG ACQUISITION GROUP, LLC (PA)

I am represented by an attorney XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX Ph # XXXX. I filed for Chapter XXXX bankruptcy through this attorney. 

I notified Minute Loan Center located at XXXX XXXX XXXX, XXXX, DE XXXX, Ph # ( XXXX ) XXXX, Ph # ( XXXX ) XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX ; Ph # ( XXXX ) XXXX of the attorney 's representation and the bankruptcy filing. 

I received text messages and voice messages from Minute Loan Center daily requesting me to contact " XXXX '' or XXXX regarding the loan. I replied several times stating Do Not Contact Me and contact Attorney XXXX XXXX. Minute Loan Center continues to text and call daily. 

On XX/XX/2020, I contacted XXXX and spoke to XXXX. After informing XXXX of the same, XXXX stated XXXX will continue collection activities regardless until they receive a letter from the court.