davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

Servicing of my mortgage was transferred from XXXX ( XXXX ) to SLS ( Specialized Loan Servicing ) as of XX/XX/2016. Before the transfer of servicing, XXXX paid my first half county property taxes from my escrow account. On XX/XX/2016, SLS paid my second half county taxes, which should not have been paid until XX/XX/XXXX, from my escrow account. This resulted in an insufficient escrow balance from which to pay my homeowner 's insurance bill ( due XX/XX/XXXX ). After calling SLS and discussing my options, I felt it was easiest to simply add additional moneys to my XXXX payment to bring my escrow account balance up to cover my homeowner 's insurance premium. However, SLS neglected to apply the additional funds to my escrow account and proceeded to apply them to my outstanding principal balance. I phoned SLS on XX/XX/XXXX and pointed out the error. I was assured that the error would be corrected and the funds would be correctly applied within 2 business days. On XX/XX/XXXX, the error had not been corrected and my monthly escrow payment had been increased by 50 % due to the 'shortage '. I repeatedly tried the customer service numbers available to me on the SLS website and every attempt to speak to a representative resulted in being disconnected. After finally managing to speak to an individual ( XXXX ) via the number for the SLS insurance department, I was transferred to XXXX in 'Executive Services '. XXXX simply told me he saw that someone had made a request to correct the error, but he was unable to actually do anything to correct the problem because it had to be done by the 'Cashiering ' department. He was unable to provide a number for said department or contact them directly and expressed no regret or inclination to help me beyond repeating what the previous representative had told me a week earlier that the funds SHOULD be correctly applied in 2 business days that and I would receive a new escrow analysis within a month.
Consumer complaint received 2016-06-25
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NV)

I applied for a XXXX XXXX XXXX XXXX in XXXX, with an offer of XXXX rewards points after spending {$3000.00} in three months. I met this requirement in XXXX and the points posted to my account almost immediately.When I tried to transfer points to XXXX of my frequent flyer accounts, I was given an error that prompted me to call their fraud department. I 've been informed they are " reviewing '' award accounts for 6-8 weeks. Not only are my XXXX points from this promotion being held, but so are the XXXX points from another XXXX XXXX XXXX I 've had for almost a year, which had nothing to do with this promotion.
Consumer complaint received 2016-11-26
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: DISCOVER BANK (NC)

Discover Bank has restricted access to funds on in my account through my debit card. I am unable now to use my debit card for any credit transaction. All credit transaction are being run as " high risk ''. Discover has given very vague explanations as to what they qualify as high risk and why companies are flagged. They have enacted a security system on their card that they state vendors are behing on that requires additional information to be pulled from the card including the pin number. Yet they can not explain what vendors follow these " rules '' I have tried multiple vendors and it was rejected at all of them including XXXX which has some of the highest encryption levels. They are stating that as long as you type in the CVC code number on the back of the card it will work and this is incorrect. Each merchant has requested the CVC code and each time the card is blocked. The only solution they can offer is to call them every time I want to use my card to get a 15 minute window. They reject companies that have my full account number and do ACH transactions but those same companies as flagged as high risk when used with my debit card as a credit card
Consumer complaint received 2024-10-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monarch Recovery Holdings, Inc. (OH)

i receivedd a notice in the mail concerning debt. The notice gave no address, and no details. I have never put a bill in my name. my informaton was stolen and frauded. i would like to dispute these charges. i know who frauded my name. please call me at XXXX or email. XXXX XXXX
Consumer complaint received 2016-11-27
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened a checking and savings account with Bank of America. At the time of opening the account I was told that I simply needed to transfer {$25.00} a month from my checking account to my savings account to avoid any fees. Later Bank of America converted m my savings account to a checking account ; -apparently due to the amount of transfers or withdrawals from my savings account over a rolling period. Since the.n I have been charged a monthly maintenance fee of roughly {$12.00} a month since XXXX of 2015. I was unaware that I was being charged this fee until two days ago and when I contacted Bank of America I spoke with XXXX individuals who placed blame on me, questioned my lack of balancing this account monthly and was told they could only refund {$12.00}. I explained to both representatives that I was unaware that I was being charged and did not notice until the day that I called. I explained to them that I originally opened this account as a savings account and was told that when it was converted that they provided ample opportunities for me to be made aware of these changes regardless if I recall them or not. I proceeded to explain that I still have the $ 25 monthly transfer set up and if I was aware that I was being charged I would have just closed the second checking account because I did not need it, I do not have checks or even a debit card linked to that account. I was again told a cookie cutter answer and ina politically correct way was told it was my fault for not noticing this sooner and that there was nothing either representative or their managers could do for me except refund one of the 18 monthly charges that have occurred,
Consumer complaint received 2016-09-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Regarding : XXXX XXXX Consumer Line of Credit ( Acct. No. XXXX ) Transunion is incorrectly and inconsistently reporting the XXXX XXXX payment for the above-mentioned account. 
The payment for XXXX XXXX is reported as follows : Paid and Late XXXX 30 days and Current and Opened in XXXX XXXX and Opened in XXXX XXXX. 
An investigation was initiated in XXXX XXXX, by me, to correct this information ; however, Transunion did not update and correct the report. 
The account should be reported as paid in XXXX XXXX, opened in XXXX XXXX and current. 
I have requested that Transunion delete the XXXX XXXX payment information, altogether, in a written requested dated today, XXXX XXXX, XXXX.
Consumer complaint received 2016-11-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I had around XXXX inquiries on my credit report because of XXXX XXXX XXXX XXXX, the dealership submitted my information to multiple lenders without my permission and around XXXX lenders pulled my credit report lending to an abundant amount of inquiries. I reached out to Transunion and was told that I needed to contact all creditors in order to get the inquiries removed. I received a letter from XXXX XXXX admitting they made a mistake in error but trying to contact XXXX lenders and having to explain the nature of the situation over and over again is ridiculous, I have had some luck with some lenders and no luck with others, I would like the credit union help me find a less strenuous way to get all these inquiries removed from my credit report.
Consumer complaint received 2016-11-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

opened XXXX online account in XXXX I believe ends in XXXX made deposit XXXX 2 hours later account in lock down. told to call a number that no one answers finally after almost XXXX minutes on XXXX someone answers tells me the signature does not match the check issued before. and for that reason rep called without my knowledge or permission the entity that issued it. put me on hold again with no respect for my time told me on XXXX it would be on hold til XXXX because of the lack of verificiation no good. also on XXXX I noticed the XXXX in there already BEFORE deposit of XXXX was on hold and not transferrable. Lots of waiting lots of inconvenience. meanwhile I am a XXXX credit card holder for years no problems. this really is not right. I opened this to save money and avoid hassles not bring more on. I need to know why this happened be comped for my trouble have the money released asap so I can use it and be sure it does not happen again. Do something about the hold time on security line. HELP like my tiume does not matter IT DOES
Consumer complaint received 2016-09-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Tri-State Adjustments, Inc. (NC)

I was sent a notice to pay a {$60.00} debt to XXXX after my insurance company paid the remainder for a XXXX that I received. I went to the company 's website and immediately paid the debt on XXXX XXXX, 2016. I then received XXXX notices from XXXX expecting me pay the debt that had already been paid. I called the XXXX and they stated to me that they had not inputted the payment correctly and that it was taken care of. I then received a notice from a collections company stating that I owed them {$60.00} plus various late fees. I then called the company, and they stated that I had no balance. On XXXX XXXX, 2016, I received a notice from Tri-state Adjustments that I now owe them XXXX for a debt that was paid in XXXX. I was told to email them the digital receipt that I received from XXXX. I have done so on 3 occasions, but they have claimed each time that either they did not receive the email, or it was blank. I called XXXX to see if they would be able to resolve the issue, and they said that they were unable to because the company that they work with had already sold the debt. This appears to have happened before I even received notice of the debt in the mail as I called the day that I received the notice.
Consumer complaint received 2016-11-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I received an unsolicited XXXX from CpaitalOne few days ago. I called and asked that the card be cancelled. I was informed that I have been the subject of identity theft. IO was told that someone opened a checking account at CapitalOne ( online bank ) using my identity and hence a debit card was issued to me. I was advised to check all my accounts to make sure that there has n't been any un-authorized activity, call and write to the XXXX XXXX rating services and file a police report. I am in process of doing all that. 

Given the recent news about XXXX Bank, I would like the CFPB to investigate that CapitalOne ( online XXXX bank is also not opening up unsolicited bank accounts and issuing unsolicited debit cards. perhaps many if not all the large banks are doing the same but only XXXX got caught.
Consumer complaint received 2016-05-22
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I had a Capitalone auto loan back in XXXX. During some rough personal issues i had to make several payments late. However after i recovered loan was closed and satisfied in XXXX. 
Capital one has been reporting to all XXXX credit bureaus the history of my payments. 
I have reached out to them several times as well as disputed with the credit bureas. Capital one states they can report my history up to XXXX yrs and ill not remove. 
I need help. This has hurt my credit report for yrs. I pay my bills on time. Because they wont remove my credit score is down XXXX points and shows i have more than 1 car loan. 
Please help
Consumer complaint received 2017-02-01
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I signed up with XXXX XXXX XXXX about 3 years ago to pay off my Bank America credit card. They took {$210.00} a month out of my checking a/c for 30 months - which is what they told me would satisfy my account. I have paid all of that six months or so ago. Bank America has given my {$12000.00} balance to a debt collection agency. They have sent me a notice to go to court XXXX. I have been trying for several months to speak with someone at XXXX. I have not been able to speak with a real person. I do n't know what their plans are for my {$6500.00}.
Consumer complaint received 2016-05-10
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

On XXXX 2015 I signed a deed in lieu, the bank ( Rush Loan Management ) took possession of the property to satisfy loan XXXX. After many inquires to the mortgage bank they refused to provide a document stating the status of the mortgage loan and they keep reporting the account as " on past due '' affecting my credit and my possibilities to get credit.
Consumer complaint received 2016-11-26
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

ON XX/XX/2016 AT XXXX I BROUGHT THIS TO THE ATTENTION OF BOA MARYLAND 'S XXXX XXXX. HER AND HER BOSS STATED THAT THE ERRONEOUS LATE FEES AND PAST DUE LABEL/HOLD WOULD BE REMOVED, AS I HAVE BEEN MAKING MY PAYMENT BEFORE THE DUE DATE. 

XXXX XXXX : THE PROBLEM IS THAT THE BOA SYSTEM OR SOME EVIL, IDLE XXXX AT BOA HAS THE PAYMENT I MADE ON XX/XX/2016 COUNTING AS IF IT POSTED ON XX/XX/2016! 

XXXX XXXX XXXX : I do see where a late fee adjustment of XXXX and minimum interest charge adjustment of XXXX were credited to the statement balance on XXXX/XXXX/2016. 

XXXX XXXX : I ALLOWED 48 HOURS FOR XXXX CHANGE TO TAKE EFFECT, BUT THE PAST DUE LABEL HAS NOT BE RECTIFIED! 

XXXX XXXX XXXX : Thank you for waiting. I 'll be with you in just a moment. 

XXXX XXXX XXXX : Upon reviewing your account, I see we issued a refund request have you received your refund? 

XXXX XXXX : HER SUPERVISORS XXXX XXXX AND XXXX XXXX ADVISED HER OF THE BOA ERROR AND THEY SAID IT WOULD BE CREDITED!!!!!! 

XXXX XXXX XXXX : XXXX XXXX, upon review, I identified the issue. On XXXX/XXXX/2016, a payment of XXXX post that was applied to your XXXX/XXXX/2016 due date. On XXXX/XXXX/2016, a payment of XXXX was applied to the same billing of XXXX/XXXX/2016 because your account cycles on XXXX of every month. I completely understand your intent were to apply XXXX/XXXX/2016 XXXX payment to the XXXX/XXXX/2016 due date. I can easily correct this by issuing you the refund of XXXX that you made on XXXX/XXXX/2016. At you will, you can easily resubmit that payment. Keep in mind : Refunds can take up to 5-7 business days. 

XXXX XXXX : On XX/XX/2016 AT XXXX EST, I spoke with BOA XXXX , WV XXXX XXXX . He stated, on the purported record call, that " all fees would be removed and that the payment which posted on the XXXX will be counted for the XXXX, and the " past due '' label will be removed as there is no such thing as paying too early and it is evident that you have been paying at least 1 % of your current total balance due every month, and that the rectification would take 48 hours to be completed. '' Well it is twelve ( 12 ) days later, XX/XX/2016, and the same " past due '' label and inaccurate amount due claim is still erroneously on my account. As such this will be presented to the Attorney General, XXXX, Consumer Financial Protection Bureau, because Bank of America is no different than XXXX XXXX. You all are only trying to get rich any way you can ... past due label still appears when I login in ... I can not make my next payment before XXXX until this accounting error is removed and rectified first, because it will make everything going forward confusing and that 's what they want confusion.
Consumer complaint received 2016-06-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I opened a bank account with Citibank and was promised XXXX XXXX XXXX miles after meeting criteria. I have e-mail confirmation that I met my criteria but they have still not credited me the miles. I have e-mailed them and spoken to them at least 5 times about this issue and have not received what I was promised or an actual response.
Consumer complaint received 2016-11-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (FL)

I was served with a foreclosure complaint on XXXX XXXX, 2014. The alleged plaintiff is XXXX as Trustee for XXXX Master Participation Trust. However, the actual entity is XXXX TRUSTEE. This entity was created in XXXX, XXXX with an address of XXXX XXXX XXXX XXXX, XXXX. This is the same address for CALIBER HOME LOANS, XXXX MASTER PARTICIPATION TRUST, VERICREST FINANCIAL. Caliber Home Loans, the alleged mortgage servicer, is the real party who is executing this foreclosure. It appears that CALIBER has been foreclosing on many properties over the last few years using their bogus entity XXXX TRUSTEE. They alter the name to XXXX as Trustee. I contacted XXXX and they readily admit they have nothing to do with the foreclosure. XXXX says CALIBER Home loans is doing the foreclosing. I am sharing my research with all agencies, DOJ/FBI, XXXX Atty general, US ATTY GENERAL, XXXX ATTY GENERAL, and more.
Consumer complaint received 2016-05-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Byrider Franchising, LLC (FL)

I was in XXXX and was in the market to get a vehicle. JD Byrider/CNAC sold me a Scion XB I fully disclosed that I live in XXXX and would like to have it title there. They told me that they could not get me a XXXX title but I can get it transferred once in XXXX. I agree to the transfer the title. In XXXX title are electric I went to the DMV before the XXXX tags expired I was told that I could not transfer because CNAC was not a registered lien holder with XXXX. Over a month of calls, I have also told them this issue need fixed no later then 2 months if not fixed the car would no longer be licensed. I was told that everything was fine again the DMV to find out they did not put a address for there business so the DMV still Could not title the vehicle. Called CNAC they called us a liar and informed them that this need fixed in 2 week. I drove the vehicle to JD Byrider in XXXX they could not take the vehicle because they are the same company but different branches and could not take the car. Called CNAC to inform then that I will no longer pay for a vehicle that ca n't be titled and that they can come and get it. Vehicle is still in my yard, CNAC breached contract and due to not having a vehicle as agreed I had to stop payment. Now they are falsely report to the credit reporting companies, I would make payment if I had a vehicle that they was not stopping me from driving
Consumer complaint received 2016-05-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have had a mortgage through Bank of America for my home for more than 5 years. Originally the address of the property was incorrect ( XXXX " my road '' ) in XXXX of XXXX I corrected the physical and mailing address to XXXX " my road '' through XXXX XXXX real property office and my post office. My insurance company along with everyone else made the appropriate changes. When contacted, Bank of America made the changes but only to my mailing address. In the fall of XXXX Bank of America requested a copy of my homeowners policy. When sent, they declined it and said I needed a policy covering XXXX " my road ''. I have made several attempts to get BOA to change my physical address since fall of XXXX. They are delaying the process and I have sent them all requested documents via email and/or fax. Now starting XXXX of XXXX BOA has provided an additional homeowners policy through escrow thus significantly increasing my monthly payments. My homeowners policy is current and is the original XXXX from the start of my mortgage. BOA is making me pay for another policy covering XXXX " my road '' which is no such number and does not exist.
Consumer complaint received 2016-11-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (TX)

My house in Arizona was foreclosed on with XXXX and was supposedly sold and foreclosed on back in XXXX 2016 of this year per XXXX and the gentlemen that purchased it came over and said he bought it- now I am getting a bill from a place call Shell point Mortgage Servicing with the full balance owed like I owe money to them now for the mortgage. How can I owe money to another mortgage place when it was purchased by someone else at an auction foreclosure and I no longer own the home? XXXX and this Shellpoint has been playing games with me and telling me that I know longer own the home and the person that bought it will be the one that is on Shellpoint mortgage but instead they have put my name on a house I no longer own
Consumer complaint received 2016-06-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (NJ)

I am being doubly charged for tuition. This was paid by my Student Loans. I attended XXXX University and took out XXXX XXXX loans to pay for the costs of tuition. I only attended the school for 3 months but am being charged XXXX from the school as well as XXXX for repayment on the loans. My student loans were applied to all tuition charges. I am paying off the student loans ( now Navient ) and am current on my payments. I disputed this debt several times including through the original creditor and have gotten no responses, additionally collection attempts on this erroneous debt were continued to be made after dispute and even during a deferment with XXXX XXXX while I was attending a different school. I do not and never did owe this debt as my student loans were applied to all of my tuition costs and I am paying those timely. This needs to come off of my credit report immediately as I never owed this bill. This is plain and simple an accounting error from XXXX. Therefore XXXX sold incorrect information to Caine & Weiner. I have attached proof of the loans that were applied to the tuition.