davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ADP Inc. (TX)

On XX/XX/2024, I used ATM XXXX Terminal Number XXXX located inside a XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, TX XXXX at XXXX pm. I went to get a withdraw of {$120.00} from my debit card ( Wise by ADP ) everything seemed smooth until the ATM never dispensed the money requested. The money never came out of the machine but the transaction receipt did and it said that the transaction was successful and my current balance showed now it was {$0.00} XXXX notified the gas station clerk and she said I was the 2nd person with the same issue on the same day, she also mentioned that the ATM was refilled that day. She provided the number of the ATM customer service number located at the bottom of the machine. I contacted customer service until they told me to contact my cardholder financial institute and tell them to apply REGULATION E. I contacted my financial institution and reported REGULATION E as I was told to do so by the ATM Customer Service. My financial institution informed me that it takes from 45 to 90 days to resolve this issue and get the money back. Please understand that this was an cash advance from my paycheck for urgent medical purposes.
Consumer complaint received 2017-03-16
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

We have XXXX past due home equity loans with Bank of America that we have been trying to resolve either through a repayment or modification program since XXXX 2016. Bank of America has not been working with us in good faith since they found out that the primary lien with XXXX had been paid off. In turn, Bank of America has now moved the defaulted first home equity loan to the primary position. The second equity loan balance is less than {$600.00}. We sent a check to pay off this second equity loan and Bank of America returned our check and suggested we submit a loan modification application. 
We submitted a loan modification package in XXXX 2016 to try and modify the equity loan and our dealing with Bank of America has been nothing but nightmare. We contact lender at least 2 or 3 times a month for status updates. 
We have been working with XXXX who is our assigned account manager and she has given us several status updates that turned out to be untrue. For example, several times she had told us our file was in review and pending decision only to find out our file was not even active in loss mitigation or being reviewed by anyone. 
Recently, we were told that lender needed updated insurance certification prior to making a final decision on our request. Few days later we called and was told by another Account Manager, that our file was not active and she said she was going to escalate the file. That was the second time we had been told that our file was going to be escalated. 
We spoke XXXX who seemed very knowledgeable about our situation, he suggested the reason our file was being rejected is that the file was being submitted as a combination of both liens and since lender can not combine both liens, file would be rejected. He suggested we pay off the balance on the second equity loan which we had tried previous but the payment was returned. 
Bank of America would not accept a check to pay off the second equity loan and they are giving us the run around on the first equity loan. 
We requested to be assigned another Account manager who understands how to handle this type of situation. Since then, each time we call Bank of America, we are told we got the wrong department and they say they are transferring us to the right department and most of the time when they transfer us, it either goes back to the general automated phone system or the phone systems tells us that our call could not be completed and to please hang up. 
All we are trying to do is resolve our past due obligation and prevent further collection and late payment fees which have continued to pile on. 
Please help us. We are very frustrated and do n't know what else to do. 
Thank you
Consumer complaint received 2016-06-14
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (PA)

XXXX, XXXX and Experian have altered my financial records without providing to me any explanation for doing so. As such, I have no idea why XXXX especially, altered my credit records, and as such, I have no way to dispute, if I desired to dispute it, that alteration. On XXXX XXXX, 2016, my credit score with XXXX was XXXX and contained ( 1 ) hard inquiry. On XXXX XXXX, 2016, for whatever reason ( s ), XXXX lowered my score by ( XXXX XXXX points? and added ( XXXX ) hard inquiries to my file? XXXX and Experian did the identical thing. In XXXX, 2016, I filed a complaint against XXXX for the identical conduct and they corrected my record. Sadly, XXXX did not learn much from that complaint, because on XXXX XXXX, 2016, they did the identical thing. This secret altering of my financial records at these XXXX bureaus is adversely affecting my financial security and ability to engage in financial transactions. It has become clear to me that these agencies arbitrarily ( add or delete information to a person 's private records ) without the consumer ever knowing it is being done nor the reason ( s ) why it is being done. You ought to put a STOP to their shenanigans.
Consumer complaint received 2016-06-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Bass & Associates, P.C., Attorneys at Law (LA)

I continue receiving threating mail from a debit collector, Bass and Associates, XXXX XXXX XXXX XXXX, XXXX, Arizona, Phone # XXXX, on a bill they say I owe a company that they are representing, in the amount of {$1100.00}.
Consumer complaint received 2016-06-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CO)

If I had XXXX word to describe the experience so far, it would be 'horrible. ' While poor customer service is unpleasant, it is not criminal and it is not the reason I am writing you. XXXX XXXX sold our mortgage to Rushmore with the payments to Rushmore starting XXXX XXXX. We received the letter that this was happening on XXXX XXXX. I tried to go online to Rushmore 's website to pay the balance, which was {$97.00} higher than our old payment for some reason, but the website kept erroring out. I then called all the numbers on the document that was sent to us. Each number took me into the same prerecorded loop, which once I got to the payment section would n't tell me how much was due and just wanted my routing and account numbers. I have n't thrown my banking info around willy nilly before, and I am not going to throw it into some poorly automated voice system with exactly XXXX detail as to how much it was going to charge me now. It is a huge frustration to not be able to pay a bill because the company receiving payment has made it nearly impossible to pay them. Finally, I got a hold of someone at the local number for the company, which I found hunting around on the internet ( this number was not listed on the documents they sent us ), and they confirmed that the payment had made it through on the website even though I was never able to make it to the end of the payment pages because of the site crashing. I 'm just thankful it did n't charge me repeatedly for each time it appeared not to work. When I asked why my payment was {$97.00} higher, they had no idea. I, after having read the many reviews on this company, found that the company often creates fraudulent negative net escrow balances. I checked my loan, and there it was, a {$180.00} negative net escrow balance. I have never had a negative net escrow balance on a mortgage until it was sold to Rushmore - and I mean NEVER. Seeing as it is a common problem for loans transferred to Rushmore, there must be something going on there. I 'm asking for your help, not just for myself, but for all the other people being abused by this company. The government allowing companies like this to exist detracts from the trust we all have that you are looking out for your fellow countrymen. Thank you for taking the time to help us.
Consumer complaint received 2016-06-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

HUD statement and Deposits into Escrow seem to match and accurately estimate/account for all required disbursements. Lender however is explaining that the disbursements on the account put escrow in negative balance of over {$5000.00}. No mathematical model I have been able to devise gets myself, the title company, or the loan originator to the same figures Penny Mac is billing me for. The HUD statement accounts for disbursal expenses and the only increases in insurances not on the HUD Total roughly {$540.00}. If paid XXXX months up-front, the HUD total accumulated amount covers expenses less the increase in insurances how could the balance possibly go into the negative past the amount of insurances increase? I believe I am being billed XXXX for XX/XX/XXXX MUD taxes that were collected since loan origination, although clearly included in the HUD the MUD tax was not paid in XX/XX/XXXX but in XX/XX/XXXX. I have repeatedly asked representatives to share the mathematics that equate to the negative balance and they can not and have blamed increases in insurances and taxes that do not exist. I have worked with all parties involved to attempt to resolve and after working with the title company and agent who wrote up the loan originally was instructed to submit this complaint.
Consumer complaint received 2016-06-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After reporting a XXXX score increase to XXXX on XXXX/XXXX/2016, TransUnion has used erroneous information to lower my credit score from XXXX to XXXX as per XXXX XXXX and XXXX XXXX. Claims that XXXX XXXX reported that I exceeded my account by {$1.00} or more dollars on XXXX/XXXX/2016 and subsequently XXXX XXXX under the same circumstances on XXXX/XXXX/2016 ( screen prints attached ). Both accounts have been closed and charged off for nearly 7 years.
Consumer complaint received 2016-06-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (LA)

I have a mortgage with US Bank that has insurance escrow attached. The bank erroneously estimated that insurance would be higher next year and overcharged my autopay. I spoke with the insurance company in late XXXX or early XXXX and sent to US Bank paperwork indicating what the actual rate should be. US Bank said that my payment would be adjusted for the next bill. They did not adjust it for the next bill and overcharged my account again. I am on a fixed income, and had adjusted my spending to accommodate only the lower amount they said they would charge me, which created a large financial hardship when they overcharged the account again. I was required to put my auto insurance and food for this month on a credit card which will bear interest as a result of this error which they said they had fixed, but was actually not fixed. I have also suffered from extreme stress as a result of this situation and attempting to get it to a reasonable resolution. 

I then contacted them again, and they claimed again to fix the problem and said they were sending me a check for the overage on the escrow account. My next bill reflected that they had made the appropriate changes. However, they refused to send an updated escrow analysis to me or me attorney so we could review their work and make sure the problem was handled correctly.
Consumer complaint received 2016-06-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Account Control Technology, Inc. (MD)

On several occasions Account Control Technology have contacted me in reference to students loans. I send them a letter indicating I did not want to be continually harass, and do not contact me unless they intend to take additional steps. They have continue to called me. On yesterday, I received a call from phone number XXXX XXXX. The caller stated that I was being sued for criminal charges, and I needed to call that number and extension number. I believe that this caller was from Account Control Technology. I believe that their practice is a violation of the FDCR
Consumer complaint received 2016-06-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I Have disputed a fraudulent account which went into collections with Trans union over XXXX times. Each time they claim they verified status and they keep saying they have not received the documents I uploaded via their own websites and also that i faxed to them. I have letters from both the collection agency : XXXX XXXX XXXX and the original creditor XXXX. XXXX XXXX has also submitted a XXXX and it is not getting updated. I would like this removed from my credit report however I am tired of disputing it with trans union. Fortunately I provided the same proof for XXXX and XXXX and they removed it also immediately.
Consumer complaint received 2016-06-14
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Argon Credit (AL)

This account is paid in full and verified by XXXX as paid in full on XXXX XXXX, 2016 ; however, the creditor a month later reported inaccurate, bogus balance information and late payments on my XXXX credit report. I disputed, again, with XXXX a month ago, and just today, XXXX XXXX, 2016, XXXX deleted the bogus item from my credit report, but Argon Credit reported this bogus item to XXXX, today, in retaliation.
Consumer complaint received 2016-06-14
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Mutual Management Services LLC (LA)

Have received multiple phone calls to my cellular phone from a debt collector at XXXX asking for a person that I do not know ( XXXX XXXX? ). I have told them on multiple occasions that they have the wrong number and that I do n't know the individual they are looking for, however, they keep calling back. I received a voice mail from them again today and I returned the call to notify them that they have the wrong number for this person and that I do not know anyone by that name. Each time I started to explain to him that they have the wrong number, he hung up on me. So I called back twice more. The second time he hung up again and the third time I called he started saying obscene things like " maybe you keep calling back because you want to give me a XXXX or you want XXXX '' and " can I look you up on XXXX. '' I told him I was going to report them for harassment and he continued to say obscene things until I hung up. He never agreed to remove my phone number from their records. I asked him repeatedly for the name of the business he worked for and what his name was and he would n't give me either, just kept repeating obscenities. He had a thick accent, so I could n't understand what the name of the business was when he answered the phone. I did a reverse lookup for this phone number and the XXXX XXXX shows it as a " suspected spam '' debt collections company in XXXX, FL with multiple spam reports.
Consumer complaint received 2016-06-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Medical Data Systems, Inc. (TX)

They keep calling me from XXXX and they say it is about a personal matter. I ask them what it is in reference to and they say after they verify that this is the correct person they will tell me what it is about. They are a debt collector but do not identify themselves as such. According to federal law if they are a debt collector they must identify themselves as such. Please see attached documents to show that this number is flagged as spam and telemarketer and debt collector.
Consumer complaint received 2016-06-14
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom it may concern, I have contacted the following to remove inaccurate information from my credit report. On the first XXXX the debt was paid in full to XXXX XXXX XXXX, these are duplicate accounts and should be removed no monies is owed on this account. 
XXXX XXXX XXXX {$220.00} NEEDS TO BE REMOVED ACCOUNT IS PAID XXXX {$220.00}. NEEDS TO BE REMOVED ACCOUNT IS PAID The second issue is the XXXX account that on my credit report. The account is over 10 years old and has been sold, resold removed and put back onto my report. These are third party collectors that are reporting inaccurate occurrences on my credit report. Such as past 30 days past 60 days ect. XXXX XXXX accounts are the same. 
The " {$780.00} '' was removed from my report and popped back on. This account is over XXXX old. I do n't understand how THIRD PART COLLECTION Agencies are taking on the roll as a creditor. The XXXX one is XXXX XXXX XXXX it 's the same account $ XXXX+ their fees= {$2000.00} XXXX {$780.00} REMOVE FROM CREDIT OLDER THAN TEN YEARS XXXX XXXX XXXX {$2000.00} ROMOVE FROM CREDIT OLDER THAN TEN YEARS THANK YOU FOR YOUR HELP IN THIS MATTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX
Consumer complaint received 2016-06-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

The reason I am submitting a complaint is due to the fact that I have requested my servicer Wells Fargo to review my docuements for a loan modification. I could not get underwriting @ Wells to review my case due to the process that Wells has which is unethical and goes agains CFPB guidlines. Well has whats called reentry team and they dictate which files go to a underwriter and which files dont. After doing my research Well is the only servicer that does that not giving me a opportunity to revie my casse with a underwriter. I asked to speak to Wells Reentry team manger and he goes by the name of XXXX XXXX stating he is a manager and he can not help me out due to the fact that Wells has a new guidline that states if I am 36 or more months behind I will not qualify for loan modification even if they are Hamp elgible or FHA loans Wells will not review any case. I have searched around I have found out that that policy is Wells and not FHA or hamp guilines. Wells Fargo is not obiding by CFPB guidlines or hamp. Please look into this matter. The Consumer Finance Protection Bureau ( CFPB ), under the Real Estate Settlement Procedures Act ( Regulation X ) at 12 CFR 1024.41, requires an appeals process for loan modification denials when a complete loss mitigation application has been received under the requirements of the regulation. 
Accordingly, HUD now provides an automatic 90-day extension to the initiation of foreclosure timeline for those cases in which the mortgagee needs additional time to comply with the appeals process required by the CFPB. 
The 90-day extension begins on the date the mortgagee denies loss mitigation and sends the borrower the notice required under CFPB regulations.
Consumer complaint received 2016-06-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CO)

I have DiTech as a mortgage company. I sent an XX/XX/XXXX payment that they are not posting to my account. In the meantime they are sending me Default letters and ruining my credit. I have called Ditech, and they admit they know I have sent the payment, and they are working to correct the problem. They call harassing me for payment and then say oh we will work on getting it corrected but never do. I have faxed proof of payment and followed all their instructions, but they have already destroyed my credit. We were just reaching grade A credit after a long struggle with bankruptcy. We had planned to refinance away from DiTech, now we are stuck with their rude, insensitive, and awful customer service for years to come.
Consumer complaint received 2016-06-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Plus Inc (DC)

I have written the companies as well as all XXXX bureaus to remove these inquiries off of my report. I did not give the companies that pulled my credit any type of permissions to do so. XXXX and Credit Plus have abused my report by pulling XXXX3 times in one week. Please see the attached document. I would like all of these hard inquiries taken off of my credit report. I have written letters to them to provide proof of my signing or requesting for their services and they have provided no information.
Consumer complaint received 2016-06-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (TX)

Our Mortgage company Roundpoint has been over charging us on Mortgage insurance last year and now they are charging us more this year. My husband has been talking with them since XX/XX/XXXX and each time they say they will fix the problem and it is not fixed. We asked to speak to someone higher then the person on the phone and they state management will not talk to customers. We are very frustrated with this not being resolved. We do not know if this is an honest mistake and the phone people can not figure it out but if sounds very fishy that management will not talk to their customers. I do not know if this is an honest company but after speaking to XXXX people an not getting it resolved I think this company is doing this on purpose.
Consumer complaint received 2016-06-14
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE (TX)

It has been a difficult task trying to liquidate my mother 's accounts at the XXXX XXXX, PA Huntington Bank location. The personal banker and branch manager were not helpful. It took the financial advisor to arrange a meeting between himself, the branch manager, and myself. The branch manager was not prepared for the meeting and offered excuses for the behavior and lack of attention the personal banker offered. I was able to liquidate a portion of the accounts while in PA, but was faced with additional obstacles once I returned home in Texas. The financial advisor who was assigned to the accounts no longer worked for the bank and his replacement was not knowledgeable to assist and failed to forward me to his superior. Calling the corporate offices did not make a difference. It was when I reached out to the institution 's XXXX account for anyone to take action. Though I have received several calls from various people in the investment department I still have the feeling that the bank is attempting to hold the funds hostage because they would prefer to keep the funds invested in their products. It has been two months since the passing of my mother and we are still attempting to finalize the liquidation process.