davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Global Lending Services LLC (MD)

Sent a letter and got no response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Global Lending '' on XXXX via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Consumer complaint received 2015-04-07
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NC)

My loan was transferred from XXXX XXXX Home Mortgage to Bayview Loan Servicing LLC on XXXX XXXX, 2013. When the loan was transferred I was working on a repayment agreement with XXXX XXXX. The repayment agreement was really XXXX that was not affordable, but I agreed to it in order to keep my home. After the loan went to Bayview Loan Servicing I 'd asked about a repayment plan that was a little more affordable and submitted letters explaining why the plan that I was on with XXXX XXXX was so difficult to make. Bayview offered a different plan, but it was still not affordable and the payments were not calculated correctly. I tried to explain this to my asset manager time and time again. I 'd made a payment of {$1500.00} back in XXXX 2013 and the payment was not posted correctly and caused my loan to appear as though it was further past due then it really was at the time. Bayview had force placed insurance on my loan and I provided necessary documents which proved there was no lapse in coverage. As a matter of fact, my mortgage included escrow for taxes and insurance, so I do n't know why this was ever a question. My balance on my loan has increased and I do n't really understand what happened. There was money in a suspense account that went toward late fees etc.. I told the asset manager that the money in suspense should have went toward my mortgage or at least ask me if I could put money with it to make a payment. I am showing XXXX payments past due on my mortgage, but not in foreclosure yet. I have paperwork to complete a loan modification and I will be submitting it to Bayview within the next week. I would like for you to investigate my payment history, force placed insurance and review terms for a loan modification.
Consumer complaint received 2015-05-14
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Selip & Stylianou, LLP (NY)

On Friday XXXX XXXX I signed on to the online banking to check my account when I noticed that my savings balance and available balance were XXXX different figures. I called the bank immediately and was told there was a court restraint on my account. I asked what this meant and I was given a collection agency to call ( Selip and Stylianoup ) to get assistance. I called the collection agency and was told they had a judgment against me from XX/XX/XXXX in my maiden name. I asked for some kind of information about this so I could check into it. The name is my maiden name and my address was wrong. All I was provided was the account was opened in XX/XX/XXXX and that the court awarded them a judgement in XX/XX/XXXX. This was the first time I heard of this, I even asked if she was sure it was me and not my ex husband. She asked if I had an attorney to speak to which I did n't. They had put a hold on my savings account in the amount of {$1900.00} but the judgment I finally got a copy of shows the amount of {$1700.00} and there is actually due {$1300.00} but I was n't given anything to back up this claim. The agent explained that she will send a form to the bank for me to sign which will allow the bank to send them the money and release the hold on my account. She insisted I do this quickly because the hold will stay on my account and I wo n't be able to use my bank. I was so scared I went ahead and went to the bank to sign this form. I am curious though why the judgment had XXXX amounts on it and they took even more money. I have enclosed all the forms I have. 
Thank you
Consumer complaint received 2015-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: DISCOVER BANK (LA)

I requested that a Discover Credit Account be removed from my XXXX credit file. The account lists me as an authorized user. I am not an authorized user on this account. I never gave my permission to be listed on this account. XXXX and XXXX removed this account from my file, but XXXX has not after multiple requests.
Consumer complaint received 2015-04-07
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Rocket Mortgage, LLC (CA)

The Underwriter purposely gave me a non-payable and detrimental repayment option in-lieu of a Loan Modification after my XXXX loan completed a Making Home Affordable Loan Modification. Quicken Loans attempted to take the needed savings from the Making Home Affordable Loan Modification for themselves, even though I am already in a repayment plan with Quicken Loans. They offered me to pay them back at {$1500.00} per mo. 

I presented this option to my HUD Counselor and Financial Adviser and they both agreed that it would put me in immediate default if I sign the repayment agreement. I let Quicken Loans know this council and the said sorry, this is our option. I then asked how this is a benefit and a help? They said you get us paid off in 12 months instead of 48. 

So I told Quicken Loans : My professional counselors have determined that by Quicken Loan 's proposed repayment plan is a guaranteed default and extremely risky to me and my family. I will decline this repayment plan by the professional counsel given to me and I ask you to consider a real and helpful loan modification and not repayment plan that is worse than I already have. 

They then said we are closing you file because you declined our proposal.
Consumer complaint received 2015-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (PA)

Sherriff Sale was on XXXX/XXXX/2015. Financial package requesting loan modification was submitted on XXXX 2015, Sherriff Sale was postponed to XXXX/XXXX/2015. Document requested on XXXX 2015 were submitted, contact with the special contact person on XXXX confirmed they had everything needed and case was on review. No mail or phone call since then, now its XXXX/XXXX/2015, after several ph calls, to no avail, requested to speak to customer service. This Department explains that the special contact person is the only one that can discuss this case. That the last Notes on the case were when docs were received on XXXX and case was sent to review. Sherriff sale still schedule for XXXX/XXXX/2015.
Consumer complaint received 2015-10-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

I contacted Wells Fargo today and they advised that I was 51 days delinquent. I was a little confused as to why. I spoke with XXXX who first advised that he was a supervisor ( I later found out that he was a lead ) and he advised me that if a partial payment is made on the account, then it is not applied towards the account and that interest accrues daily on the full amount due. I have made larger payments towards my account for some time. I want to make sure that the company is calculating the interest correctly. If they are not, I would like for them to adjust my account accordingly. Also, the person on the phone advised that he was a supervisor, when he was not. He was a lead. This is misleading.
Consumer complaint received 2015-03-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (CA)

I received 2 phone calls today from a Robo-dialer and returned the call to a company called Dynamic Recovery Solutions. They claimed I owed a debt of {$130.00} from account XXXX which was opened in XX/XX/XXXX and payments were made until XX/XX/XXXX. 
Firstly, I never had an account with XXXX or the wireless companies they acquired. Secondly, this debt is far outside the statute of limitations.
Consumer complaint received 2015-06-20
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: TD BANK US HOLDING COMPANY (NE)

I have been using a Target Red card for over XXXX years. When I XXXX obtained the card I was given a {$700.00} credit line due to new credit and limited income as I was in school. In 2012 I reported to target my income had increased well into the XXXX figures and I have established credit and had a FICO credit score above XXXX. They refused to increase my credit line at that time. They have refused to increase my credit line from then and still continue to refuse to increase the limit despite a credit score of above XXXX and an income of {$140000.00}. I believe this is due to my name being XXXX.
Consumer complaint received 2015-06-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

I had a credit card for XXXX years and paid my balance each month. The card was with HSBC. For some unknown reason, they closed my account. I called them when my card did n't work and they stated they had no idea why but the account was closed and I 'd be informed in writing of this within XXXX days. They told me they could n't do anything. I would like to know why they are allowed to close accounts on people who pay their bill each month.
Consumer complaint received 2015-06-22
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE ()

I used the Western Union website on XXXX/XXXX/15 to send {$2900.00} from my bank account to me while I am in XXXX. An email from Western Union on XXXX instructed me to send the money via WUPay, which I did. My bank account was debited on XXXX and my account statement shows the payment to WUPay. Since I had another email from Western Union on XX/XX/XXXX that they had not yet received the money, I called them on XXXX. The agent told me that she had to have someone investigate this and I would get a response by XX/XX/XXXX. Nothing. On XX/XX/XXXX I received an email from Western Union stating that they were cancelling the transfer at my request. I never made this request. As I was travelling when this email came in, I called them on XX/XX/XXXX and spoke to XXXX in Agent Support. Eventually she told me that this needed to be referred to an offline compliance department to investigate and they would get back to me in an hour or XXXX. It has now been almost XXXX hours since we spoke and I have received neither a telephone call ( I gave her my current number in XXXX ) nor an email. I have tried calling again but the lines are going into a hold pattern with no indication of how long my wait might be. I ca n't afford to do this on an international call. It 's now been two weeks since my bank delivered the money to Western Union. Where is it? Why ca n't Western Union confirm they do or do not have it. I need that before having my bank go chasing the funds from their end. I need a response. I should have received my funds at least ten days ago!
Consumer complaint received 2015-10-27
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (NY)

We have been going through the process of getting a mortgage through Chase and have suffered from incredibly poor service and the bank being unable to answer our questions in a timely manner. Our original loan officer seems to have been suspended and his boss is supposed to be handling our case, but he clearly does not have the time or the interest in our loan so we are left with the loan processor who is at a major disadvantage due to our loan officer 's royally screwing up our information that has been repeatedly sent to underwriting ( incorrectly ) and her own inability to keep straight what we have sent to her. Compounding this is her lack of knowledge of the paperwork we need and the dates on which this paperwork will either expire or the loan commitment will expire without the paperwork. Nobody at Chase seems to be able to act in a timely and professional manner in answering questions or returning calls ( if they get returned ; which is not often ). In order to get a call back we always have to resort to escalation where somebody outside of the reporting line checks in on what is happening. Then we get calls back with the rather obviously false claims that they did call back several times and chose not to leave a message. I checked my own phone records ( on my phone ) and contacted my phone provider and there are no calls other than the ones we have answered or where they did leave a message. In 2015 it is a little insulting to be lied to on something so easy to validate. We need somebody to take responsibility for our loan at Chase and Chase seems unable to do that on their own.
Consumer complaint received 2015-04-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (NJ)

I recently had a reoccurring transaction put my bank account in the negative by {$4.00}. I was going to attempt to deposit cash in an ATM after work to rectify this. However, by the end of the evening, XXXX transactions from the two days prior had cleared and I was charged overdraft fees for both. Now I was at negative {$74.00}. My bank then cleared the rest of my transactions by the following morning, for a total of {$280.00} in fees. I called and explained that there was funds when those previous transactions went through but my bank claims I had been negative for several days. This would not have been the case if it were n't for their fees.
Consumer complaint received 2015-06-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

For over 6 months we were trying to get answers as to why so much money {$1500.00} was going into our escrow account. It exceeded our yearly payments by {$5800.00}. At XXXX point our escrow balance was over {$12000.00}, with XXXX continuing to be added each month, our yearly payments from escrow are {$13000.00}. We asked for an escrow analysis and never received XXXX, never received calls back and would never get any answers to any questions when we called etc.. We also believe we were over charged a number of times with PMI , it was taken out XXXX in XXXX of 2015 at {$240.00} each when PMI is supposed to be paid XXXX a month. We do n't have much paperwork because any time we requested it, it is not sent or is sent missing information. Our mortgage was raised to a large amount a month {$3100.00} and no one could explain why. We believe Ocwen Loan Servicing , LLC broke laws in regards to escrow and has stolen money from us by overcharging PMI and taking our money within the escrow account. Once we really started calling daily we were sold to a new company, XXXX. However when we received our escrow closing statement it only included two months in it, not all 12 months like it should have. On the closing statement it shows the PMI being taken out XXXX in XXXX month ( XXXX ), who knows how many other months this has occurred.
Consumer complaint received 2015-12-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: VW Credit, Inc (MA)

HAVING AN ISSUE WITH XXXX CREDIT, MY ISSUE IS THAT MY CAR IS A LEMOM EVER SINCE I BOUHGT IT XXXX 2014 ALL IVE HAD WAS ISSUES I HAVE NUMEROUS SERVICE RECORDS AND MY COMPLAINTS AND ISSUES COMPLY WITH THE LEMON LAW. IVE CONTACTED BOTH COMPANIES AND NEITHER HAVE BEEN WILLING TO HELP ME. IVE HAD TO RESORT TO BUYING AN OLDER VEHICLE TO GET ME AROUND. IM IVE BEEN FALLING INTO FINANCIAL ISSUES NOW BECAUSE OF ALL THIS AND NEITHER COMPANY SEEMS TO CARE. IM HONESTLY RUNNING OUT OF OPTIONS AND IM ON THE BRINK OF HAVING THE CAR REPOSSESSED AND IM NOT SURE WHAT TO DO. I DO NOT WANT THE CAR BUT AT THE SAME TIME I DO NOT WANT MY CREDIT RUINED. I WAS IN THE PROCESS OF TRYING TO BUY A HOME AND I CAN NO LONGER BUY IT BECAUSE OF THE NEGATIVE INQUIRES BY VOLKSWAGEN CREDIT.PLEASE HELP IM NOT SURE WHAT ELSE TO DO.
Consumer complaint received 2015-10-27
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (IL)

These people ( XXXX ) call almost every hour from XXXX - XXXX. When I answer the phone, they hangup. They have called repeatedly for two weeks. I looked their number up on google and found out that it is a collection agency for Sam 's Club XXXX
Consumer complaint received 2015-10-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I recently had a check I sent to my long distance company stolen along with other check sent to that company according to a company spokesman I talked to.The check was then rewritten and cashed for {$2400.00}. The person used a fake name, no identification nor account number was on the cashed check. No stamping was on the check from a bank. I reported this to Bank of America on XXXX XXXX, 2015 and was told the matter should be resolved in 2 weeks. I started calling XXXX XXXX, and was told a analyst would respond within 24 hours.I still have not been contacted by the bank. In the meantime BoA is bombarding me with returned check fees. Again I was told the analyst would call me and take care of it. It is now 22 days since reporting this theft and still no phone call, e-mail or mail response from BoA.
Consumer complaint received 2015-06-22
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Capital Management Services, LP (LA)

I received a phone call from Capital Management Services on XXXX XXXX and the representative stated I had an account with XXXX and the balance is {$1000.00}. The representative stated the original balance was {$350.00}, but with court cost and fees the balance is now {$1000.00}. The representative stated I would need to pay settlement balance in full of {$300.00} in 10 days or I will be subject to arrest or property seized. I immediately hung the phone up on the representative. Capital Management Services called my phone back to back, but I did not answer.
Consumer complaint received 2015-03-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (PA)

I signed up for a PNC account on XXXX XXXX 2014. The promotion was for {$200.00} if I had a direct deposit of at least 700 dollars and XXXX bill pays per month. I signed up for the bill pay and the direct deposit. Prior to signing up i called customer service a few time to confirm the promotion. I was told that I should be set up and the promotion should pay in XXXX. I followed up at the begining of this month only to learn from an associate that the account is set up on a promotion to receive a 200 dollar credit for a 2,000 dollar monthly direct deposit. That is not the information that I received on the promotion. Nor is it what i was it the information that I received from the customer service representatives that I talked to. I did everything that was asked of me, and they changed the rules. I spoke to a supervisor and she told me that she cant pull the phone calls because the conversation was too long ago, she asked that I provide the link that I received the promo offer for. Unfortunatly, I no longer have the link ... 5 months later it is hardly likely that I still have the link that I went to to sign up. Its unfair to trick me into getting an account that charges me 15 dollars per month and not receive what was promised to me. I just want the credit that was promised to me.
Consumer complaint received 2015-06-23
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I had previously submitted a complaint against USAA with regards to my auto loan. I was promised a lower rate over than what I am being charged. In addition, the term should have been XXXX months with XXXX payments rather than XXXX months. As a result of that complaint, USAA offered to essentially refinance the loan with the correct terms since they could not fix the original loan. However, I paid for a gap insurance product on the current loan which is tied to the loan, not the vehicle ... so refinancing would have voided the gap insurance and since the new loan would have been a refinance rather than a purchase, I would not have been eligible for repurchasing the gap insurance. The USAA person who was responding to my complaint was supposed to look into this but she stopped responding and none of the issues were ever addressed. I am still paying the higher interest and the amortization period is still wrong.
Consumer complaint received 2015-06-21
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (VA)

Reverse mortgage tv advertising offers a free kit that explains options. Free, just call this number. I called and it was Quicken Loans. The person called me back from a non-toll-free number and continued to ask more and more probing questions " need to know this before I can send you the kit '' that included request for next of kin contact and for my social security number. This is verging on criminal. I never did get the promised " free kit '' and now someone I do n't know has a lot of information about my credit and the value of my current residence.
Consumer complaint received 2015-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc. (MO)

I have a loan with Tower Loan Company, due to a recent accident I have fallen behind however I am making the minimum payments, I just have n't caught up the past due. The company calls me repeatedly throughout the day. Sometimes XXXX or XXXX times daily. They also contact my family and friends as well as my place of employment to the same degree even though I have asked them to stop and I am making every attempt to pay the debt. They have threatened legal action as well as gone as far as to say if I do n't want to be embarrassed by their constant calls then I should try harder to get caught up. I have tried contacting them back, I am making my payments again but the calls continue.