davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-10
Product: Credit card — 
Issue: Balance transfer — 
Company: U.S. BANCORP (MA)

Dear Consumer Financial Protection Bureau, I am respectfully requesting some assistance with a very frustrating consumer issue. Within the last two years I had my credit card with my local credit union, XXXX XXXX XXXX XXXX in XXXX, purchased by another financial institution, ELAN Financial Services. The communication by my credit union, as well as the new institution was poor, and the transfer took place quickly with the XXXX XXXX Credit Card bill immediately changing to an ELAN Bill, XXXX that looked much like junk mail, not a credit card bill at all. As a result, I missed several payments ( up to 120 days ) to ELAN. During this period, payments were made to XXXX XXXX, but the payments were not registered or acknowledged by XXXX XXXX or by ELAN. 

The result of all of this is that I experienced several months of late payment fees, which ELAN declined to refund. In addition, and more severly, ELAN negatively affected my credit report by issuing several late payment reports. Since this time, and after I realized that this transfer was made and that I needed to send my payments to a different address/company, I have been paying this bill consistently each month. Since the incident ELAN posted a few months of on time payments, and for the last XXXX or seven months have been posting the account closed on my credit report, even though I continue to make monthly payments to this account and according to ELAN the account is active. 

For a consumer who has never had any major credit issues on my report, this is a glaring and alarming rating, which is negatively affecting my ability to obtain a credit, a mortgage or to refinance my house. I do not believe that this is fair, nor do I feel that XXXX XXXX or ELAN handled this situation well. Especially ELAN, who, even after realizing that I was not aware of the transfer, and that I had made payments to XXXX XXXX post transfer, they refused to work with me to correct their negative reporting and acknowledge my payments. It even took several MONTHS for XXXX XXXX to acknowledge the money came in and have it transferred over to ELAN. 

In the future I would never use ELAN Financial Services again, nor would I recommend them to any of my family or friends. Doing a simple google search on them, there is a long history of other consumers complaining about their practices so I know that I am not a unique case. 

Any help here that you can provide would be most appreciated. I believe that ELAN owes it to me to review and rebuke they negative reporting that they have been sending the credit reporting bureaus. 

Thank you for your cooperation and your support. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2016-04-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MN)

I have received a NOTICE OF DEFAULT AND INTENT TO ACCELERATE from the mortgage servicer Bayview Loan Servicing , LLC . 
The letter claims I have a mortgage that is behind {$13000.00} I submit I have no mortgage for the following reasons : 1. I received on XXXX XXXX a CHANGE OF CREDITOR letter from Bayview ; it states the new creditor is XXXX, with an address of XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX - See Exhibit A. 
2. This address and phone number belong to XXXX BANK. See Exhibit B 3. I visited said address and XXXX BANK disavows any knowledge of " XXXX '' and of XXXX XXXX in any of their records. 
4. A search of the SECURITIES AND EXCHANGE COMMISION database reveals that the true address of " XXXX '' is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FLORIDA XXXX ( XXXX ) XXXX. This is the address of " Bayview Loan Servicing '' and " Bayview Asset Management ''. * See Exhibit C. 
5. A search of the XXXX system shows that mortgage MIN XXXX ; its present status is INACTIVE. This means this loan was " written off/ discharged '' and " transferred out of the XXXX system ''. See Exhibit D. 
6. The XXXX system lists XXXX BANK as " Trustee ''. A TRUSTEE is NOT a BENEFICIARY, which would be the true owner. 
7. Cleared checks show that all monies went into Bayview 's accounts and some checks have the statement " Bayview for Deposit Only '' crossed off. See Exhibit F. 
8. By their own boilerplate text, Bayview Loan Servicing is a debt collector, NOT A LENDER, NOT A CREDITOR, NOT A FINANCIAL INSTITUTION. See Exhibit K XXXX. XXXX XXXX records show irregularities : See Exhibit XXXX -The original note with Decision XXXX has been recorded but all following assignments are missing ; the note was transferred to XXXX XXXX See Exhibit G. 
-After XXXX XXXX the loan was transferred to XXXX who modified it to a fixed rate, See Exhibit H. 
-The County representative interpreted the records for me and indicated Bayview Loan Servicing , LLC . Had bought the Decision XXXX document XXXX - I can not see how since Decision XXXX shutdown in XXXX. XXXX XXXX XXXX & XXXX. 
10. As it stands, I HAVE NO MORTGAGE with any LENDER IN THE XXXX XXXX or POLITICAL TERRITORIES. 
XXXX The above facts could be construed to demonstrate mortgage fraud by Bayview Loan Servicing XXXX at a minimum they clearly demonstrate that at no time did we owe Bayview any money. Therefore, since the alleged mortgage was written off and Bayview never had any rights to demand money from me, I demand Bayview Loan Servicing should immediately reimburse me {$7900.00}, which are the monies they unlawfully extracted from me after XXXX XXXX, XXXX. * *Exhibit XXXX
Consumer complaint received 2016-01-26
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (OR)

I have been dealing with Bayview Loan Servicing on a mortgage modification because my husband passed away. From the very beginning I have had nothing but problems. They lost my paperwork including all my bank records 3 times, even though I sent them back to them in their prepaid envelopes. They then decided to report I made more money a month than I do. I told them about that mistake and they told me they just had to do that and it did n't matter, even though it 's still hard for me to make the payment. At the end of XXXX I got a letter from Bayview stating that there had been an audit resulting in a credit to my account of XXXX. On XXXX XXXX 2016 I spoke to the gentleman ( XXXX XXXX ) that has handled my modification and was told that the credit could be used to cover my XXXX, XXXX and part of XXXX payments. A couple days later I got an email saying my account was over due so I contacted Bayview again and was told by another person that yes I have a credit and that she would take the money, which had been put directly on the principle, out and apply them as payments for XXXX XXXX and XXXX. A couple days later another woman from Bayview called saying my payment was past due. I once again explained what was happening and told her she needed to speak with the gentleman handling my modification because he was the XXXX telling me it could or be used to cover my payments. I left multiple messages for him via voicemail and emailed him three times and did n't get a response. Finally about a week later he emailed saying he was looking into it. All in all XXXX people from Bayview have told me the money is mine and could be used to cover my payments. XXXX person said the money was n't mine, that it had to do with a modification through XXXX XXXX XXXX ( who held my loan previously ) to which I explained I never did a modification with them. I have been passed on from person to person, XXXX saying yes it 's covering my payments and XXXX saying it ca n't be used to cover my payments. I have had nothing but problems. I feel they have done nothing but lie to me. This was not my mistake. Clearly they do not know what they are doing and trying to take advantage of me. The only reason I needed the modification is because my husband died and I 'm now a single mother. I explained I used the extra money to pay down other bills because I was assured by XXXX different people that my XXXX, XXXX and part of XXXX 's payments would be covered by this credit. I documented the calls I made which went to voicemail, I have a copy of the email I sent ( 3 times ) and documentation with names and dates of the people who assured me my payments were covered.
Consumer complaint received 2015-06-29
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had a Capitol One credit card that I opened in XXXX. In late XXXX, I lost my job. My credit card was maxed out and I could n't make payments on it. I spoke with Capitol One and a collections company representing them, and we came to a settlement. The account would be closed and I would make a payment of {$50.00} a month toward the balance of the charged off amount. I have held up my end of the agreement every single month. The payment was not late one time, as it was taken out automatically every single month. When I checked my credit report in XXXX of XXXX I noticed that not only was the account reporting as open, it was showing that I had XXXX ( roughly- at that time ) late payments at XXXX days. I was shocked. The account was only open for XXXX months and I only had XXXX late payments, so how could I have that many late payments? It was both impossible and inaccurate. I had called, written, and disputed several times. I called all three credit bureaus and capitol one every single month since I noticed this in XXXX of XXXX. Each and every time I was told that this is correct. If anyone would take just 5 minutes, they would see it is not possible for this to be correct. I just do not know what to do at this point, as no one at Capitol OneXXXX is willing to help me. Please just take some time to review the information provided and help me adjust the information to be correct. It should state XXXX late payments ( as shown ) and not XXXX as displayed on my credit report. I sincerely appreciate all of your time and assistance. It not only means so very much to me, but it improves my life and living situation. 
Thank you again.
Consumer complaint received 2016-01-24
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (CA)

It has taken 9 months ( and counting ) to resolve a simple fraudulent charge dispute, which is not an acceptable business practice from my perspective. 

Upon discovering a fraudulent charge on my credit card ending in XXXX on XXXX XXXX, 2015 in the amount of {$350.00}, I submitted a dispute ( case XXXX ) and replaced my card. 

Although I was told that the disputes and security departments would follow up, I did not hear back from Barclaycard and had to call back on XXXX XXXX, 2015, I spoke with a phone agent ( XXXX or XXXX ), who informed me that my account ending in XXXX would be credited within XXXX hours. 

I have neither received a credit, nor have I used my Barclay credit cards until this dispute is fully resolved. 

I am looking for immediate resolution of this issue and disbursement of {$350.00} plus interest accrued during the 9 months of this dispute.
Consumer complaint received 2015-06-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (MD)

Today it was brought to my attention that a mortgage company has been reporting to all XXXX credit companies. I 've never had a relationship with the company called Caliber Home Loans, but they have been reporting as if I do for the last year. I did previously own a property with XXXX XXXX XXXX, but as of XXXX XXXX I was discharged and cleared in the United States bankruptcy court in XXXX NC. I was discharged from XXXX XXXX XXXX and all other debts. At the time of XXXX XXXX, I gave up all rights to the property and debt and had not lived in the property since XX/XX/XXXX. So it crazy to me how a Rep at Caliber Home Loans by the name of XXXX XXXX number XXXX, told me that they acquired the loan from XXXX XXXX XXXX as of XXXX XXXX, A whole year and a half later after my BK was discharged. XXXX XXXX stated that my BK did n't discharge me from the property, all it means that they ca n't collect the monies on the property that was owed before my BK, but that they can continue to report this loan to the credit companies, and that they can collect funds on the property since the discharge of BK, but If I want to go on a payment plan, modification she could help me cause If I called another department no one can speak to me because her department is the only one that can handle my calls. I told her, I did n't need her help because I gave up the property and that the property was discharged in BK. After I stated that XXXX XXXX, became disrespectful, rude, and used foul language to me and placed me on hold without asking and never came back to the phone. I just ca n't believe that this is possible.
Consumer complaint received 2015-05-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (PA)

I am unable to pay more mortgage for financial hardship. I have been in close contact with my lender since XX/XX/XXXX and filled out paperwork for a deed in Lieu of Foreclosure. A month after submitting this paperwork, we received notification from our lender that our XXXX loan on the property was transferred to another lender ( prior to this Ocwen, our lender, held XXXX loans ). The Deed in Lieu was rejected on account of this XXXX lien on the property, Ocwen had created. The lender told me if the lien was cleared I could avoid foreclosure with a deed in lieu. Friends helped me pay off the XXXX lien in XX/XX/XXXX. I then resubmitted the Deed in XXXX paperwork ( in XX/XX/XXXX ). I also sent a letter from the XXXX lender which stated that my loan was paid in full, and in XX/XX/XXXX I sent a copy of the " Certificate of Discharge '' from my county courthouse. I have keep my relationship manager at Ocwen abreast of all of this and she acknowledge receiving all these documents. Then the months following this, my regularly scheduled phone appoints with my Ocwen relationship manager consists of them telling me there 's nothing to report yet as they are doing " just XXXX final check. '' But after receiving a Pre-foreclosure certified letter from Ocwen, I called to find out what 's wrong. My relationship manager was unavailable so I spoke to an alternate, who told me they had no record in my file of my re-submitted Deed in Lieu paperwork or the XXXX lender letter release or Certificate of Discharge mentioned above. She told me to fax her the Certificate of Discharge and she would expedite it to the Deed in Lieu Dept. This I did XX/XX/XXXX Still almost two months later Ocwen has nothing to report but tells me the Deed in Lieu Dept. is behind. Meanwhile, while the property is not yet in foreclosure the time surely nears. Further though Ocwen has told me all through XX/XX/XXXX that my Deed in Lieu is still open and active, I received a mailing XX/XX/XXXX stating they did n't have the XXXX ( Deed in Lieu ) paperwork. So XX/XX/XXXX I re-mailed a copy of this document that I had sent them back in XX/XX/XXXX. I feel Ocwen and my relationship manager are doing nothing but waiting for my property to foreclose.
Consumer complaint received 2015-12-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (AZ)

National Credit Systems reports on my credit report that I owe a balance of {$4100.00}. This was a debt that they took over in XXXX from an apartment complex named XXXX XXXX. National Credit Systems and XXXX XXXX placed a judgement against me for the amount of {$1600.00} in the XXXX of Arizona. This judgement was satisfied through wage garnishment in XXXX. National credit systems refuses to file a satisfaction of judgement or to reflect the collections account as paid, because they believe they are entitled to more money than the judgement was granted for. In communications with them they acknowledge the judgement has been paid but that they want the remaining balance on the collection account paid before they will take any action. This is not right. They already took their case to a judge and received an amount that the judge authorized them to collect. They have collected that amount and are not entitled to anymore.
Consumer complaint received 2015-06-29
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BMO Bank, N.A. (AZ)

Back in XXXX I stayed with the XXXX Hotel in XXXX, Az for XXXX nights. XXXX of the nights was paid for with my debit card and the other XXXX nights I paid cash which was {$340.00}. I did not pay cash until I checked out of the hotel so my debit card was pending authorization for my stay. After waiting a few days for the money to go back on my debit card it was to my surprise that the hotel was still authorizing my debit card after I was no longer staying there. I realized this when I had tried to make an ATM cash withdraw and my debit card was declined. I immediately got online to see what was going on and at this point I went straight to the hotel to inform them and to get my money back. After an hour in a half standing at the front desk of the hotel XXXX of the employees and the manager released my funds. It took XXXX days for the money to go back into my bank account and once it did it was immediately taken out. I called customer service with my bank and was wanting to put a block on my debit card for the XXXX Hotel, but per BMO Harris I was advised to close my debit card which is exactly what I did. XXXX days after closing my debit card and already having a new debit card and using it my bank account went into the negative for over {$1100.00} and it was because my bank authorized the charge with the XXXX Hotel. This time I immediately went into my bank to handle this. Not only was the banker at the branch not understanding why this had happened, but the XXXX people he had spoken to on the phone were also baffled with what had happened. I ended up filing a dispute which I was complaining about having to do since this was clearly something that was XXXX 's problem, but I filed the dispute anyways. Within XXXX days my account was back in positive standings and that was that. XXXX months later my account is back in the negative due to XXXX denying my claim which is why I am filing this complaint today. I have spent hours on the phone with BMO and I can never speak to anyone who works directly with the claims department. Instead, I am always having to speak with a CSR who has me on hold for XXXX minutes so they can read the notes and then on hold again so they can speak with someone directly in the claims department and the conversation ends up being me on hold while they talk and come back to tell me what they said. Last week after XXXX XXXX hour phone calls and still my bank account is in the negative I feel as if I have no other choice than this.
Consumer complaint received 2015-05-29
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BMO Bank, N.A. (NY)

I have been a member of Diner Club for XXXX years. During that time I accumulated XXXX points. I cancelled the card on XXXX XXXX 2015. I tried to reclaim my points and was told by Diners that I had lost the points after XXXX days. My claim to the points was made XXXX days after closing. My claim is that this is fraudulent practice by Diners Club. Those points were earned based on card usage and have a redemption value of {$2600.00}, Diners have no right to cancel those points which were earned by me. I have written to Diners Executive Complaints and have had no response. Diners did not inform me in writing that I would loose my own points.
Consumer complaint received 2016-02-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (VA)

Freedom Mortgage purchased my loan from XXXX XXXX in XXXX 2015. I made the first payment to Freedom on XXXX XXXX, 2015. Freedom is now saying I did not make the payment but I have a receipt indicating they cashed the check and have the money. I have talked with them every month since and they tell me they will research the issue and call me back - they never do but have sent collection notices, foreclosure paperwork, and have tried to assess late fees. It is now up to me to produce a copy of the deposited check for them to review. They have been anything but helpful unless it involves them sending me late notices and collection notices.
Consumer complaint received 2015-05-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: MRS BPO, LLC (TX)

The disputed charges stem from disconnecting my service with XXXX because I was moving when I resided in New Jersey in XX/XX/XXXX I received a bill and I have made numerous attempts to receive clarification as to what I 'm being charged for. On XX/XX/XXXX, I spoke with XXXX from XXXX and she did not know what it was. I received XXXX notices from debt collection agencies and I demanded a verification of the debts, which no one has responded to. On XX/XX/XXXX, I spent over XXXX hours on the phone with XXXX agents, including XXXX, XXXX, XXXX, XXXX and XXXX with no resolution. I have copies of all of the letters and notes regarding my communications with XXXX and its agents. I have spoken with XXXX from XXXX and he explained that the debt was for my failure to return a card and an early termination fee. I then sent XXXX proof that that I have sent them the equipment that they claim that this debt is related to. This debt has been reported to the credit bureaus in clear violation of the FDCPA. XXXX and its debt collectors have erroneously reported this debt on my credit and I demand its immediate removal.
Consumer complaint received 2016-01-25
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: DISCOVER BANK (NY)

I got my check stolen on XX/XX/2016.it belongs to my discover saving account ( XXXX ), the check no is XXXX.i talked with discover fraud department.they said if I donot file police report, I would not get my money back.Then when I file police report, the police said they need my check info.however, discover bank shut down my former account, I could n't see all of former information of my account.i contacted with them more than 20 times. 
First, discover bank said XXXX fraud liability ... why I could not get my money back? 
Second, some of my coworker has the same issue, they all get their money back? why I could not? 
Third, if they donot give me my former account info, how can I file police report?
Consumer complaint received 2015-12-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: U.S. Auto Credit Corporation (NC)

I am currently in default of my vehicle. I have provided the company with all documentation that has caused my default. I called today to make arrangements to pay the full balance on XXXX/XXXX/15 and they are refusing to accept my payment. But are making statements that I will have to pay fees to retrieve the vehicle from repossession. In addition, I feel the contract was forged because the car was initially only work {$5000.00} and now the loan is up to $ XXXX because apparently they gave me the full amount that I qualify for even though the vehicle was not that amount.