davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMERINATIONAL COMMUNITY SERVICES, INC. (CA)

I am a XXXX XXXX XXXX homeowner whose loan was sold to Amerinational Community Services sometime during the XXXX. At the time the loan was sold, my balance was behind. I had asked XXXX to move that balance to the end of my loan. They neither responded or acted on this request. In XXXX XXXX, I wrote to Amerinational asking how they 'd calculated my balance. I also asked for a copy of the transfer info. I never received it. A few months ago, Amerinational sent me a letter asking me to pay them $ XXXX for XXXX to XXXX XXXX. My mortgage payment is {$920.00} per month. I responded by sending in my payment receipts for those months and noting the error. From there, I was deluged with random letters that expressed no purpose. At one point, I spoke to a rep who neither acknowledged or offered to straighten out this mess. He was concerned with confirming my cell number. I sent back an account of this in writing. He offered to send me a loan modification app and said it was their goal to help me keep my home. I completed it and sent it back. For close to a month, I went back and forth with a woman who kept asking for tax returns after I informed her that I did not file XXXX taxes. To offset this, I sent all salary and wage information as a required attachment to the application but she could not understand this. I received four letters in 10 business days. Not one letter had a real purpose. They did nothing about the loan modification they promised to help me obtain. It never evolved into anything .... Last week, after a month of quiet, I received a voice msg on my cell from a woman telling me they 're attempting to collect a debt. To date, all monthly mortgage payments have been applied as appropriate but it has been several months since I began asking them ( via letter ) to move any unpaid balance to the end of my loan. They 've consistently ignored this request. Back in XXXX, I informed Habitat via email that I 'd made this request. They thanked me for the info but offered no assistance in making it happen. At this point, I need to speak to what is happening to me. I am being bullied and harassed by Americnational. From their activities, it is apparant that they have the opinion that I am a " cash cow '' and by submitting threats, I will somehow respond with a sum of money. I want them to stop harassing me. This company is trying to scam me trough scare tactics when the resolve has been put before them on multiple occasions. I believe can be described as illegal. It is not unusual for a lienholder to move back payments to the end of a mortgage loan. Since they did not honor their word to provide modification they should move the payments. I pay them each month. I have no reason to believe that I am going into foreclosure unless they push me into it and then I question the legality of that. I just want to pay my mortgage to an upstanding company and live in peace.
Consumer complaint received 2017-02-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (UT)

Prior to XX/XX/XXXX, I had a {$200000.00} line of credit with Key Bank. In addition to my line of credit, I also had a checking account with Key. On XX/XX/XXXX, I paid off my line of credit and closed my checking account. I did this in person, and received the cash from the closure of my checking account. In XX/XX/XXXX, I received a notice from Key Bank indicating that I owed them {$150.00}, and that my failure to pay them resulted in them " charging off '' my account. I immediately went into a Key branch to discuss the matter with a bank XXXX. During this meeting, the XXXX told me that my account had been " automatically reopened '' and in doing so, several fees were charged to my account in the amount of {$150.00}. I expressed my anger at how an account could automatically be reopened without my authorization, and the XXXX assured me this would not be reported to anyone, and would not impact my credit. I requested a letter from the XXXX indicating that my account was reopened without my authorization, and that this was an invalid debt. The XXXX said he would send me a letter over email. I did not receive an email, so I was forced to reach out to the XXXX several more times. I finally received an email from the branch XXXX stating that I had an account, it was reopened, had incurred fees, and that Key would send a check " on [ my ] behalf '' to satisfy the account. I wrote back indicating that was insufficient since his email was written in a manner that refused to accept responsibility, and also refused to state that my account was reopened without my consent. I emailed again requesting specific information, and would not get a response. I finally did receive a response from the XXXX indicating that he would not provide me with a letter stating that Key did anything wrong, and then provided me with the phone number to Key Bank 's legal department. 
Upon receiving this, I contacted the regional XXXX via email and explained my situation. He wrote back saying that he would look into it, and get back to me at the beginning of the week ( XX/XX/XXXX ). I have not heard from the regional XXXX, and he has not responded to my emails. 
My account has now been reported to XXXX, and I am spending an extreme amount of personal time trying to find resolve. Key Bank refuses to assist.
Consumer complaint received 2016-10-04
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Reference Bureau of Consumer Financial Protection # XXXX : XXXX Bank ALSO INCLUDED BANK OF AMERICA ; I was assured by Bank Of America my credit card would be Credited back to my account : On XXXX XXXX, 2016, I received a form letter from Bank of America that was not the case ; my account would not be credited ... there is no signed recipe ... I NEVER used the card..the letter stated because it was used the chip was read ... no credit issued???? 
XXXX I HAD NO KNOWLEDGE OF MY BANK OF AMERICA CREDIT CARD WAS USED OR WHY.??? UNTIL I PULLED DOCUMENTS TO SEND COPIES TO CONSUMER FINANCIAL PROTECTION BUREAU.
Consumer complaint received 2016-04-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP (CO)

XX/XX/XXXX, I received a mail from a debt collecting agency " Linebarger Goggan Blair & Sampson , LLP " ( LGBS ) stating that I owe them a debt of {$150.00} from XXXX XXXX ( XXXX ). After investigating, I realized that it was a toll charging company. I was skeptical about {$150.00} for a toll. After confirming that I had paid my toll bills, I called LGBS call center stating that I never received a bill from XXXX, and I 'd like some proof that this was n't a scam. After a harassing conversation, the LGBS representative stated that they ca n't give me any info on behalf of XXXX, but said that debt was real and had to be paid. She said if I needed any more info, other than the split for the amount, LGBS was n't the agency responsible to give. So, I called XXXX thereafter. After a polite conversation with the customer representative, I told them that all my toll bills were paid in full. However, XXXX representative insisted that they had sent me four separate mails. Since I had requested for paperless bills, I informed them that this had to be a mistake. The XXXX representative later confirmed my charges and informed that since I had changed my vehicle registration ( Moving from XXXX to XXXX ), a new account had been created, and the bill was automatically sent to the residence due to the lack of email id. Being an international student, and visiting home country for months, I do lose mail. So, with the XXXX representative 's help, I tracked the mail from the post office and confirmed that it was indeed my toll bill dating back to XXXX XXXX. There were XXXX toll charges each with regular toll fee, process fee, late fee and mailing fee totaling to {$35.00} sent on XXXX/XXXX/XXXX due on XXXX/XXXX/XXXX. I informed the XXXX representative that this is only one fourth of the amount I am being asked to pay. She informed that she has no control over the amount once it goes to the collection agency. 
I called back LGBS and informed them how can the fee be so high. As before the representative was very rude, and informed me that this is the fee and I have to pay it. I asked the representative the procedure to obtain a split for the fee. I asked her if I delay my payments any further would they charge me additional fee. The representative stated and I quote- " How would I know. If XXXX asks more, you pay more, if they say the same you pay the same. I am not responsible for your payment, I am here to collect it. '' I paid the full amount and am faxing a request to provide me a copy of the charges. I also reviewed online that I am not the only one harassed by LGBS. XXXX and LGBS together have done this to several people. A simple google search provides examples.
Consumer complaint received 2017-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (PA)

I have sent out multiple letters to NAVIENT for validation of student loan accounts that are showing up on my credit report. I never heard back from them within 30 days by law. I sent the second round of letters asking yet again for validation of this account. NAVIENT has cost me more money in interest fees over the years since i graduated back in 2012. I requested the " income driven base payment '' plan and instead they demanded i go into " forbearance '' instead. This company has become so expensive and has over charged me thousands of dollars in debt due to their scams. I demanding that NAVIENT remove all XXXX accounts off of each credit bureau ( XXXX ). I would like a written letter in the mail stating these accounts have been removed or i will have no choice but to take legal action due to non-compliance of federal laws under the Fair Debt Collection Practices Act. Navient may be liable for their willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ]
Consumer complaint received 2017-04-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (GA)

We submitted for a loan modification and every day we asked if there was a sale date. Just last week we were told that there was a foreclosure sale date on on XX/XX/XXXX 2017. We have to work with an assigned loss mitigation representative at Shellpoint mortgage and her name is XXXX XXXX which is never in the office. We have been submitting the same document ( Annual HOA bill ) for weeks and now she says it does n't state if it annual but clearly at the bottom of the page it does. Everyone we talked to said it met the requirement and were very helpful with what they thought we should do so we did all of it. All the paper work has been sitting in the office and XXXX XXXX is fully aware of the sale date and we are going to lose our home because she is n't in the office. There is a complete loss mitigation package everything and more in the office and she is n't in to review the package. We have offered to do a repayment plan or even a forbearance plan but were told it would take too long to get the figures from the attorney, however we have been saying we would go that route for two weeks. We are willing to do what ever it takes to save our home. We have not received any documents from Shellpoint mortgage in regards to missing documents what 's require we were even told to XXXX the HMDA paperwork to find it online. No ten day letters, no incomplete package letters, absolutely nothing. We just want a chance to save our home we are employed and can afford our mortgage we just got behind because of circumstances we could not control. We have resolved everything and are more than willing to do what ever we need to do. Please we need help to save our home or someone to listen and do what it is that needs to be done.
Consumer complaint received 2017-02-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (IL)

XXXX broke their " contract '' with me. They would not give me a copy of their contract. I made an audio recording of our agreement and when I played it back, it did not agree with their recent comments. 
They would not send me a copy of the " contract ''. Their installer came to my home and installed a new modem. Under the " in place '' agreement, till the end of agreement, I was under free modem, till the contract ran out. They broke contract. Also, their installer stole one of my personal units. Value+ {$160.00}. XXXX did NOT want to hear any of my complaints, only wanted money.
Consumer complaint received 2017-03-07
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (OH)

I made a payment early XXXX via the Walmart Credit Card portal, powered by synchrony bank. I received a confirmation and it appeared that the payment went through. Later that month I received a late notice and called. I was advised that I did not make a payment. I then made XXXX payments XXXX for XXXX and XXXX for XXXX On XX/XX/XXXX I wnet to the website and had to update my password, it makes me do this every time. I then made my payment for XXXX and received a confirmation. I checked my account and the payment did not come out of my account. I called the call center and was advised that they have been having difficulties with the website but this is the second time this has happed and one of which I was advised that I would be credit reported and later I was advised that I would not be. I do n't feel comfortable making a payment online and I do n't know if I have been credit reported or not.
Consumer complaint received 2017-02-06
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IN)

Since my repayment started almost 1 year ago the payment has been too high for me to afford. I called them as soon as I knew what the amount would be per Month but they told me there was nothing I could do and that I made enough to make the payment, which I did not. After losing my job 3 months ago I started to get behind on payments but still they told me I had no other options for repayment all I could do was put them in forbearance which would cost {$150.00} per loan or default on the loan. I started receiving calls multiple times a day when I was behind and when I would answer they continued to tell me I had no options. Finally after being 4 months behind on my payments, racking up a lot of late fees and them raising my interest rate on each loan by almost 1 % they said I could do a different repayment plan. That took my payment down a lot but I had to make 3 months payments on time before I was actually enrolled in the plan and the plan only lasts for 12 months. I enrolled in the plan, made the payment on time this month and they continue to charge me late fees on all of my loans. They also reported to the credit bureaus again that I was still late even though I made the payment on time. They told me nothing would change in their system until I made those first XXXX payments on time so it still shows I 'm now almost 5 months behind even though I made a payment and that means they will still report to the credit bureaus that I am missing payments plus charging me those late fees.
Consumer complaint received 2015-08-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

As of XXXX/XXXX/XXXX I XXXX XXXX have a mortgage with Bank of America XXXX , CO XXXX that I reaffirmed loan in XX/XX/XXXX after bankruptcy in XX/XX/XXXX, with good standing, since. Bank of America has failed to report to all XXXX credit reporting agencies with updates. They 've just removed whole mortgage account from all credit bureaus, is this my punishment! So, that I can not buy another home. 

XXXX/XXXX/XXXX, Bank of America, called me to extend / delay response for XXXX more days. 
XXXX XXXX
Consumer complaint received 2016-10-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I pulled my credit report from XXXX XXXX and Trans Union and an unauthorized entry from XXXX XXXX XXXX. I have contacted the company via certified mail for validation of this account that was signed and delivered on XXXX XXXX, 2016. XXXX XXXX XXXX has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XXXX XXXX, 2016 ; no response. Due to the lack of communication, I then contacting XXXX and Trans Union regarding this account and they have yet to provide any validation regarding this unauthorized account nor has this company contacted the credit bureau marked this account as disputed which is a direction violation Fair Debt Collection Practices Act. This entry must be DELETED from my credit file.
Consumer complaint received 2016-10-04
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

After moving, we got behind on paying credit card. XX/XX/2016, contacted Capital One regarding past due debt XXXX ; we wanted to make payment. They transferred my call to a " lawyer '', who was far from professional. Name was XXXX XXXX XXXX. He stated that he would accept {$1900.00} settlement if I gave him our account information immediately. I told him that I would not be giving anyone access to my account. He said he could not help me without account info. On XX/XX/2016, we made an appointment with our attorney. He contacted Capital One & was also transferred to a " lawyer ''. The situation was explained to her & she stated that the first lawyer was incorrect in his information ... that they could not take any payment from us because we had moved to another state. She said she would have to send us information. Our attorney said to wait for information. We never got any information ... its now XX/XX/XXXX. We want to pay this credit card balance & have it reflect as paid on our credit report. At this point, we have no idea what to do to get a settlement in writing so we can take care of this situation.
Consumer complaint received 2016-10-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (NC)

XX/XX/XXXX, I had a cable account with XXXX. My brother moved in and switched everything over to his name. On XX/XX/XXXX, I paid the outstanding balance left in my name. I remember this clearly because the cable man had to come out to fix a problem and my mother was leaving for Hawaii the next day. At any rate, There was an altercation on XX/XX/XXXX and I was forced to move out quickly. XXXX did put a collection account on my credit but solely for the equipment. I called them and explained the equipment stayed in the home when I left. They made note of this and deleted this item from my credit. As I have experience identity theft and major fraud between XX/XX/XXXX-XX/XX/XXXX, I did not utilize credit at all. I checked my credit on XX/XX/XXXX only to find that a debt collector had attached a XXXX debt to my credit report. I called them and spoke to a representative that I could barely understand but he was so rude I was beside myself. I attempted to explain to him the situation and that XXXX had removed this item from my report. At first, naturally going through the identity theft and the account stating it was opened XX/XX/XXXX, I was under the impression it was another fraudulent account. As the representative explained to me what it was I immediately told him oh yes it is in deed me. However, that was removed years ago. He argued with me telling me I owe some outrageous amount and it simply is not true. I believe this is an intentional act just as a means to keep my credit from improving and me regaining a life. I do not owe this debt. It is just a debt collector trying to get money out of innocent people. They lie and make up stories claiming you owe. This debt was already removed, how could it be back on my credit report 6 years after the fact? Debt collectors should be against the law as they lie and cheat people of their money. If you want to improve your credit they simply assume you will pay it even though they are lying.
Consumer complaint received 2016-09-17
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (CA)

XX/XX/2016 I rented a car from XXXX. I declinded their insurance because I spoke to an agent from my Citibank Credit Card and he assured me I was covered if I used my credit card for the rental insurance. I asked if I was fully covered because I had limited insurance on my older model car. " Yes, '' the agent said, " do n't use XXXX 's insurance you 're covered. '' I asked if there was a deductable. " NO deductable, you do n't have to worry. '' On my way home a Semi-Truck spit up a rock which made a XXXX. crack in the windsheild. I paid XXXX upfront and filed a claim. Now the nightmare begins. Called to file a claim and was told to sumit the information to XXXX fax number with a claim number. Did that. Waited, waited and finally messaged them asking what is goin on with the claim and was told they did n't have enought information. Sent it again, to a different address I was provided. Waited, waited. Citibank decided the repairs were unneccesary, claim denied. What? Messaged them that was not exceptable. Waited, now its XX/XX/XXXX, XX/XX/XXXX Citibank messaged me that my claim was something my insurance would have to handle, claim denied and if I 'm late with my payment they will turn me into the XXXX credit bureau. I 've never been late and my credit score is XXXX. Sounded like a threat. So which is it, the repair were unnecessary or they do n't cover windsheilds??? If I had known I was going to get the royal run aound I would have gotten the {$20.00} XXXX insurance and saved myself {$150.00} and a huge headache. Apparently I 'm not the only one with this kind of complaint with Citibank as I 'm looking on the internet.
Consumer complaint received 2016-06-02
Product: Debt collection — Mortgage
Issue: False statements or representation — Impersonated an attorney or official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

This Affidavit and Notice Complaint is being filed on behalf of the consumer with the Consumer Financial Protection Bureau for a more transparent investigation. The debt collector XXXX XXXX XXXX has used the consumer 's promissory note in a fraudulent manner in association with the disputed CFPB [ Case No. XXXX ] and this has become an issue where the debt collector has independently provided as verification false statements and representation ( please disregard the option used impersonating attorney etc., as this was the best option ) of a fraudulently endorsed promissory note during an investigation with the Consumer Financial Protection Bureau which has completely condemned and denied the consumer to complete and accurate information.