davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (SC)

I have a paid XXXX account reporting on all XXXX of the credit report agencies.  The original creditor has requested that this account be remove from my credit profile on the XXXX credit reports but XXXX refuses to do so.  They also never updated my account as paid with XXXX.  This is a very shady company as I am sure you get several complaints about them.  I would like the account removed from my credit profile.
Consumer complaint received 2015-05-14
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

Portfolio recovery has contacted me several times a day on phone lines I 've told them there is no permission to contact me on for months. Each time I 've told them to submit everything in writing so i can verify who they are and possibly dispute the debt and each time in told they do n't need to. I 've told them to stop calling and I 'll receive another call right after on another line. There was a time they called every hour..
Consumer complaint received 2015-09-09
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (FL)

I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Chase Mtg. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within XXXX 10 XXXX ten business days, via certified mail Number : XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction XXXX s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
Consumer complaint received 2015-05-14
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (OH)

Opened an XXXX.com rewards VISA account with CHASE bank in XX/XX/XXXX. Never received statements either electronic or via mail. Called multiple times to arrange payment and have statements updated after receiving calls from debt collectors. This happened XXXX, where the only notice I received was from a debt collector within a few days of being past due. Even after paying the balance, CHASE still reported negative XXXX days past due to all XXXX credit reporting agencies. This happened XXXX for XX/XX/XXXX and XX/XX/XXXX. Have since gone to XXXX.com and setup accounts to send paper statements via XXXX and have not received them. Just noticed on XX/XX/XXXX that once again a payment was XXXX days past due ( no statements or alerts were sent ). Payed the balance and have now cancelled all cards with CHASE bank.
Consumer complaint received 2015-10-28
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (VA)

I went to XXXX in XXXX of this year for few days and rented a car XXXX. Allegedly, XXXX billed my credit card few months alter for reason still unclear to me. Chase mailed me documentation XXXX which I ca n't read nor understand. I 've been working with Chase diligently to resolve this but apparently they are NOT listening nor seem to care. I 've left with a charge of {$640.00}. Please help in this XXXX scenario!!!
Consumer complaint received 2015-10-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (ME)

Ocwen Loan Servicing illegally reported me as deliquent or has lied to you about reporting me deliquent to hold hostage my insurance, they have violated my privacy under Gramm-Leach-Bliley by not safeguarding my private information, based under GLB Under the Safeguards Rule, financial institutions must protect the consumer information they collect. They are in clear violation and I intent to file a lawsuit and request a fine be imposed on them to the fullest extent of the law. They are also actively practicing unfair Deceptive and Abusive Acts in violation of 940 CMR 8.0
Consumer complaint received 2015-10-27
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: LMS Services, Inc. (AL)

My office has been contacted repeatedly by LMS Mediation. It appears that someone having a debt gave them my office number. Today, rather than letting them leave another voicemail, I answered the call. I politely informed the caller, who said his name was XXXX, that he had the wrong number and that I had never met or heard of the person he was trying to contact. XXXX insisted he had used my phone number to contact his debtor on at least XXXX occasions in as many weeks. Once again I politely told him he had bad information. He then told me I did n't need to be an " XXXX '' and ended the call with a hearty " XXXX ''. 

I called the number left on the previous voice mails and spoke to a receptionist who told me my number would not be called again. The name of the company is LMS Mediation, the number is XXXX, and it is supposedly based in Michigan and owned by an attorney named XXXX XXXX. 

Like many, I XXXX for a company that has a large part of its business in XXXX. We have a large staff responsible for collecting this money and they do it by treating our customers with the respect and professionalism they deserve. I can tell you that companies like LMS Mediation make collecting debts the proper way much more difficult and just helps to solidify the smarmy, shady reputation the receivables industry has today.
Consumer complaint received 2015-12-02
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Frederick J. Hanna & Associates, P.C. (closed) ()

XXXX XXXX XXXX claim that notification was sent to an address that was and address that was a temporary that I had n't use for 3 years, even though they had my correct address. XXXX XXXX XXXX XXXX XXXX went in front of XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with out notifying me and lied to the Judge that he was suiting me for XXXX XXXX Bank alleging I owed XXXX XXXX Bank {$17000.00}, XXXX XXXX believed XXXX XXXX XXXX lie and awarded his a judgement, I was not made aware of this until I went to sale my home on XX/XX/XXXX, I hired and attorney XXXX XXXX of XXXX, GA who arrested on or about XX/XX/XXXX for doing the same thing that XXXX XXXX XXXX does collect checks supposedly for some XXXX else but depositing in he account. Attorney supposedly sent a letter to XXXX XXXX XXXX informing him that instead of me paying him {$17000.00}, I agreed to pay him {$5000.00}, after approx 4 days XXXX XXXX got back with me and informed me that XXXX claimed that XXXX XXXX Bank authorized him to settle for {$11000.00}, because I was leaving to live in the XXXX in I short while I went for it. Then later on I requested a copy of the check ( copy attached ) and noted that it had been deposited in XXXX 's account, I emailed a copy of the check and a letter ( copy attached ) to XXXX requesting a receipt from XXXX XXXX Bank and the statues of and balance of the account. He sent an email to XXXX XXXX but he did not reply to me I emailed XXXX XXXX and got no reply, I requested a friend stop by XXXX XXXX office to see why he did not reply, this friend informed my of XXXX XXXX 's arrest. I am a XXXX service connected Veteran that was unexpected terminated from my Federal employment because this condition that I could not get the VA to address, this caused me to have to go to private doctors for treatment, now I still have medical bills that I expected to use the proceeds from the sale of my home to pay them down. I can not understand how some one can lie to a judge take my proceeds and still lie about it and not give me a receipt from XXXX XXXX Bank because he states he can not talk to me because XXXX XXXX is my representative I do n't think I need to talk to to him to get what I requested.
Consumer complaint received 2015-06-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX XXXX of this year, I was informed by the Bank of America that it was terminating my checking and savings accounts I had held with the Bank for about 5 years. I filed a complaint with the CFPB at the time, alleging that they were using a fraudulent method, the FIS Qualifile deposit account system marketed XXXX to determine who among their deposit account holders was likely to default on their accounts, and that I was being unfairly targeted in their use of that system. Nevertheless, in spite of my vociferous demands to see my Qualifile score and the other material BOA used to determine that I was not a good credit risk -- or, stated alternatively, that I was more likely than average to default on my savings and checking accounts -- BOA closed my accounts on XXXX XXXX. I have since received XXXX checks from them for the small amounts of money I had left in these accounts. 

However, there is a much larger check that I have not received from BOA, in the amount of approximately {$800.00}, that is the balance in a savings program in which I enrolled during 2011 that BOA calls " Keep the Change ''. Like automatic savings programs at other banks, " Keep the Change '' rounds up the dollar value of transactions and places these small amounts -- XXXX cents here, XXXX cents there, XXXX cents, etc., and so on -- in a non-interest bearing " Keep the Change '' account. 

By the time the Bank decided to close my accounts, I had accumulated {$800.00} cents in that special savings account. Let me make it plain that this was MY money, deducted from my checking account over a period of XXXX years by the Bank, but I have yet to receive a check for that amount, and it seems that my wait may be in vain. The person at the Bank, XXXX XXXX XXXX ( reachable at XXXX, ext. XXXX ), who was in charge of terminating my accounts, denies any knowledge of this account or this program, and refuses to acknowledge that I am owed this money. 

Plain and simple, I want my money back. Who knows how many accounts are being closed using the Qualifile credit scoring system, and " Keep the Change '' accounts being seized along with those closures? I think there is something brewing that constitutes another fraudulent and illegal pattern of behavior by a big bank. Please help me get my money back, and the money of others who are being ensnared in these little schemes. Thank you.
Consumer complaint received 2015-09-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (SC)

My daughter died on XXXX XXXX, 2009. She had a private loan through what was then XXXX XXXX which is now Navient. Her loan was switched to my name without me being contacted. Every month, {$96.00} is being deducted from my back account. Upon co-signing for the loan, it was my understanding that I would only be held responsible for repayment of the loan in the event that my daughter defaulted on the loan. My daughter never defaulted on the loan prior to her death. Due to the fact that she died and never defaulted on her loan, I should not be held responsible for the repayment of this loan and this loan should be forgiven because of the death of my daughter. I have made several attempts to contact Navient regarding this matter and I have never gotten a response. I would like to be contacted by Navient to discuss the reimbursement of my funds and the possibility of loan forgiveness.
Consumer complaint received 2015-06-23
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX, 2015, my wife and I met with a Bank of America mortgage loan officer to apply for a refinance our house. We were told that would not be a problem. The following day I brought all documents requested. After placing several phone call to find out the status I called the branch 's general manager, she called the loan officer 's manager and the following day the mortgage loan officer called me XXXX XXXX XXXX ) to tell me that I was XXXX or XXXX payments late in the last 24 months. When we met with him to formalized the application that should not be a problem to obtain the refinance, he asked us if we have been late in our mortgage one month in the last 12 months, the answer was no, then a day latter he requested banks statements for the last 24 months and the he said that in our credit report shows that we were late XXXX or XXXX payments late that would be very difficult to obtain the refinance but that he has someone else who can help us. Also the mortgage officer mentioned that he met with the underwriter and now via e-mail his manager is saying that the my application has not been submitted and if I want them to do so, i need to come up with {$450.00} for the appraisal of the house. I have request in multiple occasions to be provided with a letter stating the reason ( s ) of the denied, all my documents back and a copy of the application and also a copy of our credit report and to this day I have nothing. Thanks
Consumer complaint received 2015-06-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The location of Bank of America at XXXX XXXX XXXX XXXX XXXX Fl has employees that are giving out my financial information including account numbers and an actual printout of my mortgage status to a person pretending to be co-owner of my house and who is actually the tenant. He was able to secure my account number and financial status on my mortgage loan from employees at this bank who he claims are his friends. He also claims to have bank friends at the XXXX XXXX in XXXX XXXX FL and has secured additional information on my loan from them. Both of these branches need to be investigated immediately and held accountable for disclosing my personal financial information to a stranger that walks into the bank claiming he is friends with the bank employees.
Consumer complaint received 2015-04-07
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: AFNI INC. (MI)

AFNI Collection agency has been calling me everyday XXXX times a day. I am currently paying them a set amount each month through a debt consolidation company. They are calling me after XXXX. They have threatened me by saying, " If you are unable to pay we have your employment/salary information and we may take further legal action ''. I explained that I am only able to pay what I am paying each month no more, no less. They did not start calling me until I started paying off of my debt.
Consumer complaint received 2015-06-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement. 
I attended XXXX XXXX XXXX at address XXXX XXXX XXXX XXXX, CA XXXX.
Consumer complaint received 2015-10-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lazarus Financial Group, Inc.(Closed) (FL)

I have written and written this firm many many times with no response. they are reporting on my credit report and will not send me any information about the debt they are reporting. This firm keeps verifying with the credit bureaus without having validated it with me which is a violation of the law. They just ignore consumer mail i guess. this is causing me financial hardship and the continued reporting of an unvalidated unverifiable debt is illegal.
Consumer complaint received 2015-03-19
Product: Money transfers — International money transfer
Issue: Incorrect/missing disclosures or info — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (PA)

I used money gram to send my mother in XXXX XXXX XXXX $ she never recieved the money. Someone else got the money the day b4 she went to get it she had waited because she did not have any transportation at the time when she went to pick up the money she was advised someone had takin the money already and that it was n't in her name which I have the receipt showing its was sent to my mother. So I called money gram they advised me someone had gotten the money witch I already new someone did a couple days later they called back and provided me a name of someone 's name who I have no idea who it is but told me that 's the name that it was sent to I have the receipt showing it was not in that other persons name and they keep fighting with me not trying to figure out if it was error in there system I even offered to send a copy of the receipt to the and they just ignore the fact I have proof who it was supposed to be sent to.
Consumer complaint received 2015-04-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Trust of XXXX XXXX XXXX XXXX XXXX , Ca . XXXX ( XXXX ) XXXXRE : Capital One Bank, N.A. 
XXXX, Texas XXXX XXXX - Bank Relationship ( XXXX ) XXXX Option XXXX Acct. # XXXX Opened : XXXX XXXX XXXX Trust to XXXX XXXX XXXX - COMPTROLLER of THE CURRENCYDear XXXX am XXXX XXXX , the G-Grand-Daughter of the Late-XXXX., my g-grand-father XXXX XXXX XXXX opened this bank account in about XXXX - XXXX with wife XXXX XXXX XXXX XXXX XXXX XXXX made a DEED of TRUST with his XXXX ( XXXX ) children. His XXXX son XXXX XXXX is my grand-father, XXXX XXXX had XXXX ( XXXX ) child with wife XXXX XXXX my father XXXX XXXX XXXX, married my mother XXXX XXXX XXXX they had XXXX as follows ; XXXX XXXX XXXX, XXXX XXXX XXXX ( deceased XXXX/XXXX/XXXX ), XXXX XXXX and XXXX XXXX. There are no other grandchildren for XXXX XXXX XXXX or XXXX XXXX and no other children for XXXX XXXX XXXX. 
Please help me get to the truth about this Trust. I walked in Capital One Bank on XXXX/XXXX/XXXX, I gave an XXXX lady my name and she says we have been waiting on you for a long time. Takes my brother XXXX and I into an office, asked for my social security card and driver 's license. XXXX XXXX waited on us. XXXX XXXX said she had to leave now. XXXX XXXX proceeded to transfer XXXX XXXX XXXX the original bank account into a new Trust Account in my name under my social security number with bank # XXXX. XXXX gave me a lot of paperwork. I, XXXX XXXX signed a UNIFORM XXXX-PARTY OR MULTIPLE PARTY ACCOUNT SELECTION FORM NOTICE, to open this account. I put {$500.00} of my own money into the Capital One Bank on XXXX, XXXX, I made a wire transfer from my bank XXXX into acct. # XXXX of Capital One. The transfer went through but before Capital One closed for business that day they rejected the {$500.00} and closed the bank account. I was told by XXXX XXXX that I can not put money into this account. Why? It 's a High Yield Checking Acct. I put money into the account after I read the Banks paperwork which stated there has to be {$1000.00} in the account at all times. Capital One is funneling all of the monies from this account into another Capital One Account. My XXXX XXXX XXXX XXXX told me before he died that the bank was stealing all of the money from the Oil, Gas, Timber, Minerals and other materials and rare minerals from our land, and he wanted me to go there and get it. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and my daddy told me that the bank has my name, XXXX XXXX. My daddy took me to the XXXX before they merged with Capital One Bank when I was XXXX years olds, that was in XXXX. 
This bank account has been opened for over a XXXX ( XXXX ) years with multiple leases for land, gas, oil, minerals, and allowing people to build homes on our property. I have many deeds that I received from the County Records in XXXX County, Texas. 
Please audit this account at Capital One Bank so that my family can find peace of mind from all of this money thief. 
Sincerely, XXXX XXXX
Consumer complaint received 2015-04-07
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a XXXX lien of my primary residence with an Equity line of credit with Bank Of America that is more than my primary residence mortgage with XXXX. I have asked Bank of America to please help us do a XXXX lien modification on the Equity Line because we are retired and on a fixed income and they have denied us for ANY help with reducing the payment to something we can afford. We have been paying the interest every month Which is about {$220.00}, but they charge us that much in interest every month. The payments are over {$800.00} per month but we have only been paying the interest, we are not behind. We do n't qualify for HARP to refinance XXXX mortgages into XXXX because our XXXX Mortgage with XXXX was originated after XX/XX/XXXX. Bank of America claims there is nothing they can do an our only options are short sale, deed in lieu or Foreclosure but we have lived in our home since XX/XX/XXXX.
Consumer complaint received 2015-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo approved me for a mortgage in XXXX. In XXXX XXXX I could no longer work nor pay my mortgage. At that time and for a subsequent year, I kept the property up while offering to give the bank a deed in lieu of foreclosure. Over that year, I talked to no less than XXXX individuals at the bank ( never the same ones XXXX and got conflicting information. In XXXX the bank started a foreclosure action. Over all this time I had offered the bank a deed in lieu of foreclosure with the understanding that it would not seek a deficiency judgment. In XXXX the lawyer for the bank finally agreed to this proposal ( the same XXXX I offered the month XXXX ). However it still took the bank 's lawyer, court and the appointed referee more than XXXX months to have the Judgment of Foreclosure and Sale occur. It is scheduled for XXXX XXXX, XXXX, exactly XXXX years after I offered the property to the bank. 
In the meantime, I had a XXXX and after spending more than XXXX months XXXX over a XXXX year period, I am starting to get my health back. My complaints are : Why would the bank not take a deed in lieu of as soon as it became obvious that I did not have the resources to pay the mortgage ; Why did the bank not take steps to protect the property ( e.g., leave the power and heat on minimal heat settings to avoid what finally happened : frozen pipes and overwhelming mildew and black mold )? When the house finally sells, the bank will get pennies on a dollar because it failed to protect the property. 
I am XXXX years and trying to get my credit back so that I can buy a car on reasonable terms. I fault the bank and the law firms handling the foreclosure action. I get a strong sense that the bank has and had a mechanism in place to assure that it will not loose any money in the long run. That mechanism may be as simple as stating to the regulators " look at the losses we were forced to take ''. Please note, neither I or anyone else has lived in the premises for this 6 year period. In my current physical condition, I would be unable to live there.