davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (NJ)

The lender continues to attempt to collect on the debt without validating the debt after I sent a formal request. They continue to violate the Fair Debt Collecting Practices Act. The are also continuing to charge interest without substantiating the debt.
Consumer complaint received 2016-03-02
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I was contacted today by " XXXX '' from Portfolio Recovery Associates. " XXXX '' failed to provide a last name ; which is illegal. Without proper verification ( there was no request for personally identifying information other than the fact I verified my name ) I was advised that I had an outstanding balance on an XXXX XXXX credit card and was requested to settle the balance in full or establish payment arrangements. 

I politely requested that the company no longer contact me at this number, at it is a work number and also advised that I wished for the company to cease and desist. " XXXX '' advised me that I would need to put the request in writing, which is understandable, as this is per the FDCPA. However, when I requested an e-mail address, XXXX advised me that the company would not accept my cease and desist request in this manner, as it had to be in " writing ''. 

After all of this, XXXX provided me with a previous address which I had lived and requested that I update this address. I advised XXXX that I would not update my address and I would contact them when I wanted to resolve the debt. 

XXXX advised me that the debt would remain in collections and that they would continue following up with me until it was resolved ; despite my request for them to cease calls to my number and to cease and desist completely. 

There were several violations of the FDCPA here. More than I care to waste time going into.
Consumer complaint received 2016-09-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Our mortgage company Select Portfolio Servicing is horrible at helping their clients save their homes. We have been fighting with them since XX/XX/XXXX to save our home. We have tried everything from modification requests, bankruptcy, repayment plans and we have been turned down on everyone request. XX/XX/XXXX we had {$20000.00} to put towards our arrearages and SPS denied us any kind of modification. We have talked to so many different agents and got different answers to the same questions. One agent would say yes you can and the next would say it 's too late after all the paperwork was done. They need to be retrained so the left hand knows what the right hand is doing. We are now working with an HUD counseling agent who gave us this website because she agrees that we have been given the run around and with our income and the money we HAD to put towards our arrearages that we should have been given a modification plan. We would like an investigation done on their practices because we are not the only ones that have been denied or are having the same problem.
Consumer complaint received 2016-06-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Southwest Credit Systems, L.P. (NC)

I had an outstanding balance with XXXX XXXX XXXX that I paid XX/XX/2016. In XX/XX/XXXX, a collection agency named SW Credit Systems reported on my credit report with XXXX and XXXX XXXX, that I had a collection account with XXXX XXXX XXXX. At the time, I was under contract to purchase a house, and the appearance of this collection account dropped my scores and prevented me from doing so. I have contacted SW Credit System multiple times informing them that I never received a collection notice prior to this account showing up on my credit report. Furthermore, I have explained that this balance was paid, prior to their agency reporting it. Nevertheless, they have told me numerous times that they refuse to delete this account from my credit report. Meanwhile, its existence continues to prevent me from moving forward with mortgage financing options. Their actions are in direct violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2017-05-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (DC)

This is an original account fro m Chase en ding in  XXXX .   The debtor,  XXXX   XXXX , is in  a skilled    XXXX   XXXX   receiving  XXXX  and thus is not able to make payments or pay the debt at all.
Consumer complaint received 2016-06-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CT)

JP Morgan acquired our mortgage after the hostile take over of Washington Mutual about 10 years ago : something is foul and we believe we are victims of very sloppy work at best and or intentional fraudulent activities by the bank. 
These are harsh words for an institution that should have the public trust but Chase has earned a legendary reputation of deceit whether among misdeeds including the XXXX rate-rigging scheme in XXXX, and the XXXX repaid for their active role in the real-estate meltdown. Again, this is the same company that " housed '' the financial activities in the XXXX scandal and we were warned by one of their representatives about the dangers we faced with our mortgage modification. We all relived it and have persuasive evidence of fraud and lack of good faith. Two years+ of sending requested information to their mortgage department, and they would 'manage ' to never ever receiving the requested info in its entirety. 
To cut to the chase, what should have been a normal mortgage modification turned into a nightmare with Chase 's purported verbal mortgage -- yes, verbal mortgage -- that resulted in an additional cost to us ( added to mortgage load ) of approximately {$300000.00} - due to no fault of our own -- for which after a year of discussions ( mostly delays ), Chase offered a paltry settlement payment to us of {$15000.00}. 
JP Morgan Chase was the judge and jury as it relates to the VERBAL mortgage that was given to us. First payment was okay..second payment declined and the next two years talking to over 24 of their representatives - none of which could ever find any paperwork in the files as it relates to our mortgage. Now their newly assigned " Vice President and Assistant General Counsel '' can somehow manage to manufacture some sort of statement and come up with the paltry sum of {$15000.00} as settlement. An insult at best. Of course both he and XXXX XXXX refuses to answer the question of " Was it a general practice in your mortgage department where a commission was paid to staff members on every foreclosure? '' Since their answer is silence, and having worked in the business XXXX for all of my career, I was reluctant to make this disagreement with JP Morgan Chase public. No longer. I have no doubt there are others who have lost their homes or are saddled with huge incremental additions to their mortgage. Perhaps they do not know, as Chase is keeping two books. One for the everyday mortgage and the other for the 'hidden incremental whopper '. Now that I am working with a XXXX on this, I am sure others will want to join in. Always a reminder that the XXXX was started with the removal of a lowly scale from a worker.
Consumer complaint received 2016-03-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC. (NY)

About 3 years ago, I started receiving credit card statements for a credit card from First Niagara Bank, XXXX. To be clear, I have never opened an account with, or done business with First Niagara Bank. They took over the former XXXX branches in our area. I used to have accounts with XXXX, but closed all of them out before First Niagara took over. When I tried to call about this mysterious credit card in my name, I could n't get information because my credit card # on the account is all " X 's '' except the last XXXX numbers ( XXXX XXXX XXXX XXXX ). I do n't even know if this is a XXXX or XXXX - but I was charged an annual fee & interest. I finally spoke to a local branch about this. Nobody could tell me how I came to have this credit card acct with no actual number or application attached to it. I told them to close it immediately. They said they would - and they did ... EXCEPT ... I then ended up with a XXXX cent credit, which kept the account alive. I have tried several times to get them to close this account and send me a check for the XXXX cents, or keep the XXXX cents. I do n't care which. That has never happened & it has been a few years now. I 'm still receiving the statements. More importantly, I recently noticed that this " account '' is showing up as a negative on my credit report. It is actually the ONLY negative on my credit report - and it says " pays as agreed '' next to it ( as if I have made some kind of payment agreement with First Niagara ) - when actually they owe ME XXXX cents - not to mention the fraud they have been committing against me.
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

In XXXX of XXXX I had to leave California because of a XXXX XXXXXXXX situation and stalker that continued to harass me. For the next year and a half I continued to try and cancel a XXXX XXXX membership in XXXX XXXX, CA and was always told I'd have to wait for a manager or I'd have to continue to pay monthly in order to cancel. Once the court settlements were done, I continued to try every two months or so to cancel this membership as I could not go back to California to do so because of the dangerous situation that posed. 

I asked my bank, Capital One, to stop payments for that merchant and to do an investigation to prove that I had not been there since XXXX of XXXX I stopped paying the membership and blocked the merchant and Capital One did an investigation and came back with a rejection because of the contract. I appealed and got confirmation from the merchant and the financial institution that my membership was canceled and that I had not been there since XXXX of XXXX 

I have had to call back consistently to Capital One for status updates and, despite promises that I'd be gotten back to, I continue to have to advocate for myself. I am now being told that because I had previous charges from the merchant I will not be able to reopen my claim. 

I am being preyed upon by the financial institution that I reached out to for help. I was told another answer by another representative that I could provide more information, but I am so confused as to why this is the case. I have provided the cancellation, the XXXX XXXX, the financial company for the merchant confirmed that I haven't been there since XXXX of XXXX  ... I have no idea what else to do.
Consumer complaint received 2020-10-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

To whom it May concern I have contacted " Portfolio Recovery Associates '' Several times over the past few months of this year asking for them to validate this debt belongs to me. It started with 3 accounts they were claiming were mine. After disputing with them several times I contacted the 3 better business bureau 's to do a dispute. After my dispute one of the accounts were removed last month. The removal of one of the accounts are further proof that the other accounts do not belong to me. I have asked in my letters for proof that this debt belongs to me with my ink signature bonding me to this account in my 609 letters that i have sent several times. Portfolio has only sent me letters claiming this debt is mine by using old addresses. I have asked besides using old addresses they can not say this is my debt without a ink contract or any contract. It was never sent. The accounts : XXXX and XXXX should be removed immediately from their data base and should be stopped from reporting to all credit bureau 's. This is greatly impacting my credit and I have not been given accurate proof that this debt belongs to me.
Consumer complaint received 2015-07-28
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have an issue with payments being issued to the account properly. On occasions representatives have keyed in incorrect account numbers as well as payment being made to Capital One directly to the branch offices and incorrect credited to the account. During several occasions I have asked for the payment investigation dept and was sent to the incorrect dept 's with rep 's out of my country while I was specifically as for someone in my own country as I have experienced issues with rep 's from outside USA have contributed to alot of these errors. On XXXX XXXX, 2015 I was to have a call scheduled to contact the institutions that were the issuer of the payments, XXXX came and passed and no one contacted so approx at XXXX I reached out to the credit card company Capital One only to be placed on an extensive hold with gaining no resolution ; I was sent to foreign countries with hold 's and disconnected. At approx XXXX I reached out to Capital One to try and get someone within the dept ; whom the day prior stated she would note and have a call back at XXXX on XXXX XXXX, 2015 which never happened at XXXX when I reached out to the executive office and spoke with XXXX whom did n't see notes of a scheduled and was very rude thus getting no help from anyone at Capital One to reach out to the branch within their own institutions or the outside bank that was involved, at this time the account remains inactive. Also I not being the primary but retains POA which is noted on the account but at times the reps state they can not find and to make matters more detailed at this time the creditor is requesting documents of the primary such as ID Social Security as well as utility, documents will be provided and I stated to the rep during the last call that documents will be provided but payments will be ceased and none will be continued until resolution is made. Please note that on a separate occasion when there was an issue with the remitting institution and I permitted and allowed a 3-way call with myself validating the account and allowing Capital One fraud department to ask any necessary questions they had.
Consumer complaint received 2024-05-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC (AL)

I sent my mortgage payment for XXXX, XXXX and XXXX ( {$970.00} ) on the first of each month. Loandepot returned my payment and demanding that I pay the {$1200.00} in question. This is not fair or legal. They need to check their records. Now they have sent me foreclosure papers. This company is a greedy for more and more money ignoring the rights of the consumer. I want this case resolved the correct way. Have Loandepot to submit the mortgage history of my mortgage loan and you will discover they paid the annual insurance twice in one year. This denial is costing me undue stress and mental anguish. I will not accept their version of what the payments should, because they are incorrect and fraudulent in this practices. Ask for the Mortgage history of my account and the escrow transaction.
Consumer complaint received 2016-09-18
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I am writing on the behalf of my Grandmother 's trust account with the Bank of America. I have watched over the past 6 plus years as this account has continued to climb during the good markets times, yet continually declines in interest payments. There have been absolutely no gains or increases in the payments, yet they have made significant gains. I have saved all letters and statements and have never seen such. 
I have been an RN case manager in the Medicare arena for over 8 years. Unfortunately, my father has since passed. I ca n't help but think about the fact that if he were still with us, he would now be living on less than $ 600/month from a $ XXXX trust fund. I question how many others are now struggling to survive on the trust that was set up to take care of them for life! It seems to me that the Bank of America is acting in the interest of themselves, rather than the beneficiary. 
Thank you in advance for any guidance with this concern. 
XXXX XXXX
Consumer complaint received 2015-09-21
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (AP)

Been receiving late fees from CITI due to no fault of my own. 
CITI has refused to settle this issue and/or repair their web page, never replied to the online messages i sent and/or responded to me from their service reps submitting trouble tickets for me.
Consumer complaint received 2016-06-10
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I am currently trying to get a title release on my mobile home. My mother deeded this property to me early XXXX. While trying to get a mortgage loan to consolidate, I ran across a lien being held on the doublewide I currently live in. This lien is thru the XXXX as being held by XXXX Bank of America XXXX. I have contacted the bank almost every day for the past two months. Bank of America is telling me that they have no records of title numbers, VIN numbers or of the loan number. After involving the XXXX office I was required to get authorization information. Since my mother has passed I had to wait until 60 days had past from her date of death to get heirship papers and Virginia XXXX XXXX XXXX XXXX documents. I have included those. 

To give a background and an explanation of the information I have sent I will start from when the property was first bought : My father XXXX XXXX XXXX and mother XXXX XXXX XXXX purchased this mobile home in XXXX and the first loan was at NationsBank paid in full XXXX. A certificate and Affidavit of Satisfaction was completed and recorded. ( I think this is where the title was not released and where the problems are rooting from. ) In XXXX of XXXX my parents divorced, attached in their settlement agreement XXXX ( mother ) was to receive as her sole property the double wide and the land. In XXXX XXXX my mother only went through NationsBank for her mortgage loan after the divorce. NationsBank sold out to Bank of America and took the loan over at some point. The loan was paid in full in XXXX. A Certificate of Satisfaction was completed and recorded. I also had the XXXX a record of what bank is holding the lien.
Consumer complaint received 2016-10-03
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Predatory lending complaint against Bank of America.The bank has refused to refinance my loan stating I do not make enough income for this loan. 
The bank has refused to offer any program of assistance on this loan stating I make too much money and can afford this loan. 
The bank 's current loan has a monthly payment with will increase by approximately XXXX per year. The bank will apply extra fees and charges due to my inability to stay current on this new and unmanageable payment.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 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