davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-21
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Business & Professional Collection Service Inc (NV)

XXXX XXXX XXXX sent my account for {$240.00} to collection without notifying me they would do so. In fact, I paid {$310.00} of an initial {$550.00} balance that I negotiated down from the original {$780.00} which proves I communicated with them. I had sent a total of five payments and had the sixth check written to go out in the mail when they sent this to Hospital Collection Services whom I also contacted to say I would fight this and their response was to simply send it to collection. XXXX XXXX XXXX have failed to show proof I requested by letter and by telephone that they sent me XXXX consecutive statements of any sort of warning that I would be sent to collection. I had an array of hospital bills for this visit in 2013 and paid them all off ... .some of which were much larger. These included XXXX, XXXX XXXX, XXXX 's hospital, etc. Why would I ignore such a small bill when I paid all the other 's? Neither company was willing to work with me when I telephoned, sent letters, and after repeated phone calls explained they would leave this in collection and not accept payments.
Consumer complaint received 2015-11-05
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

Every time I deposit money in Scottrade, there is no telling when it will available. Sometimes it 's 3 days or XXXX maybe XXXX or XXXX ; they hold deposits for ransom. On the website it shows 2 or 3 days - bait and switch. I am going to close all accounts with Scottrade. The branch manager, XXXX XXXX, told me I should just use my other bank account that I transferred money from. Any bank I 've ever dealt with has a 3-day hold. This deposit was an ACH deposit from my other outside bank account. It 's not even a personal check ; it 's from one bank to Scottrade. I talked to XXXX different people at Scottrade and all XXXX had different answers from 3 days to 7 days. I called at XXXX in morning and I 'm still waiting for an answer XXXX hours later ; I 'm still waiting - maybe tomorrow, the money will be available. I made this deposit on XXXX/XXXX/13. On XXXX/XXXX/13, XXXX XXXX said that it should be available. This is a joke. Look on website ; it will show 2 or 3 days.
Consumer complaint received 2015-12-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My mortgage lender, Bank of America, issued a trial modification plan for my home, but then they refused to make the modification permanent!! 
Bank of America told us that we qualify for modification and we meet all the requirements, but there is an issue from 4 years ago that has caused a red flag on my file!!! 

They claim that we failed to give them correct tax returns during the previous modification request which was 4 years ago. The fact of the matter is that 4 years ago we applied for modification which was denied. That process was done through a " third party '' that represented us during the modification request 4 years ago. Everything that was requested at that time we provided -- including tax returns -- to that representative who should have forwarded them to Bank of America. If that third party failed to forward the requested items to Bank of America, it was not our fault. 
Furthermore, 3 months ago I sent the tax returns for those missing years to Bank of America. 

Now Bank of America claims that 4 years ago they did not receive the tax returns in a timely manner and this is a sign of a legal tax violation!!! Their excuses are just absolute none sense! I have provided all tax documents for 2014 and I even provided the tax returns that they claim were missing from 4 years ago, even though it has no relevance to my current modification request. Bank of America 's response is very unreasonable and unfair. They claim that I qualify for all requirements of the modification plan but because of some vague and unclear excuses, from a previous 4-year old closed file, they can not finalize my current modification file!!! 
They also refuse to explain the problem clearly and in writing!! 

It is very absurd, unfair, and unreasonable for a lender to deny " permanent '' modification after they approved the trial modification, Based on the status of a 4 year old previous file which was closed a long time ago!!! 
This is very unreasonable and unfair.
Consumer complaint received 2016-03-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (FL)

XXXX XXXX XXXX divided bill to companies with identical names & same unique blue/yellow bills " XXXX XXXX '' and " XXXX XXXX. '' I paid XXXX off. Did n't ' realize XXXX entities. Once realized, offered to, and started paying monthly XXXX. ( Payments via money order not attached. ) XXXX submitted to credit bureau XXXX/XXXX/15 claiming " no payments. '' Disputed. XXXX responded with misleading info regarding my intake, refused discussion, and refused to remove. Continued dispute. XXXX removed. XXXX did not. I continued monthly payments. Accepted. Now, XXXX sent to new collections agency, that reported on XXXX and XXXX. I did nothing wrong. Costing me higher premiums, interest loan rates, etc. Not fair.
Consumer complaint received 2015-07-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Unfortunately I am upside down on my home by {$100000.00}. I just received a Mortgage Statement showing {$200000.00} due by XXXX XXXX, 2015. I am self-employed and my business/income has dropped considerably. I contacted " Keep your home California '' which stated that I qualified for a Principal Reduction however the company that is carrying my note, HSBC, will not allow me to participate. I asked if I could at least get help with their other program that helps with relocation and moving expenses. I was again told that HSBC would not give permission for me to receive help there either. This is wrong! I originally had my loan with XXXX, which I was told went bankrupt which left me stuck with HSBC handling the loan. " Keep Your Home '' stated XXXX was n't even on their list, but my notices show XXXX for payoffs.The only programs they will allow is to catch my payments up then I 'm stuck with the same payment which put me into this trouble to begin with, along with I have to pay those payments on time, ca n't sell or refinance for 5 years. If I default with this program for any reason, then I owe all of that money on top of the original amount. I really need a program which can lower my loan payments permanently, not keep adding to my problems .Without any help, at my age, I can potentially end up in the streets. If there is any way of helping, please. I would be eternally grateful.
Consumer complaint received 2015-12-31
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Westlake Services, LLC (PA)

On XXXX, I filed an dispute with Westlake Financial Service via certified mail return receipt requested. Westlake Returned the certified mail receipt with a stamped signature by XXXX XXXX. In my dispute, I advised Westlake Financial Service to provide copy of contract with my authentic signature that started the alleged debt for an auto loan. More importantly, I advised Westlake Financial Service to provide the above-mentioned document within 15 days of receipt of my dispute. As Westlake Financial Service are aware, if the document requested is not available, the disputed item must be removed from my credit report. Otherwise, their company will be in violation of the FCRA. I did not received the rquested document within the time frame alloted by the FCRA, which is fifteen days. I subsequently, filed another dispute on XXXX with certified mail return receipt requested. Westlake mailed back to me the certified mail receipt to me with their representative signature dated XXXX/XXXX/2015. In this dispute I advised Westlake Financial Service that they received my dispute through the XXXX. Postal Service with me requesting Cerfified Mail receipt which was signed by a representative of their company. I advised Westlake Financial that they have failed to respond to my dispute with the allotted time of 10 days of receiving my dispute. Next, I advised them that they are FCRA violations that have been perpetrated by their company. More Importantly, I advised them that XXXX XXXX XXXX. XXXX, " Responsibility of furnishers of information to consumer reporting agencies '' prohibits their continue reporting of this purported item which can not and have not provided copy of contract with my authentic signature. 
I advised them that notwithstanding their flagrant violation of the law, that I am offering to settle their FCRA violations prior to legal actions with the following terms : 1. They delete this account from all my credit reports and mail evidence of their bureau notification 2. They agree to close this account and sell it to any other collector. 
3.They arrange to pay {$1000.00} for my damages. 

I advised Westllake Financial Service to respond 15 days from XXXX, it is now XXXX, and I have not heard from them.
Consumer complaint received 2015-07-21
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

1 ) At the XXXX time home buyer class, I was told that the One-mortgage ( Also known as the XXXX loan ) is the program that helps people who can not buy home due to the down payment burden. 
2 ) During the home loan application process with Citizens bank, several times, I was advised that my wife would need to consolidate her education loan with Citizens bank. On XXXX, I found that my wife could get education loan ( income based ) refinance ( payment adjustment ) through the department of education and she applied it instantly. Frankly, In my mind, this words came up to me, " Why they ( Citizens bank ) did not reveal that my wife could adjust the federal education loan payment through the department of education? '' This must be clarified and there must not be any person who loses the chance to lower the monthly payment through the department of education before getting student loan refinance from Citizens bank. 
3 ) When it comes to the maximum amount for the home mortgage ( XXXX mortgage ) at Citizens bank, I was told many different maximum amount that I can borrow. At the last conversation ( last week ) over E-mail with Citizens bank, it was around {$200000.00} ( without downpay ) with my own credit application ( not including my wife ). After I mentioned that my wife applied for the refinance of her student loan from the department of education, the mortgage officer ( NMLS # XXXX ) kept changing my income standard and finally I was not able to have any tangible pre-approval certificate as of now ( XXXX ). The supervisor ( NMLS # XXXX ) introduced by the mortgage officer keep replying " Thank you '' over the E-mail without any responsible reaction. 
Thank you. 
XXXX XXXX
Consumer complaint received 2015-09-19
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (VA)

I did not authorize an inquiry from this particular company, nor have I signed and/or endorsed any contract, application ( s ), etc., that created any inquiries with the listed corporation, agency, and or company .Someone has unlawfully used my name, unambiguous information and endorsements that attempted to established the herein accounts without my, knowledge, authorization, consent and or signature. Possible endorsements were used on commercial applications without my consent, permission and or knowledge. There being no permissible purpose to obtain my Consumer Credit file, I request the unauthorized inquiry into my file be removed from all the Consumer Reporting Agencies immediately and a copy of such deletion mailed to me.
Consumer complaint received 2015-07-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: United Recovery Solutions (GA)

URS Collections called him left a voice mail looking for me. I called & asked to speak with a XXXX XXXX XXXX. The rep informed me that XXXX was busy but then proceeded to tell me that I owed a balance from a check I wrote in 2008. He asked me when am I going to pay it & I told him that I 'm not. The debt is old & would be falling off my credit in a couple of years. His voice & demeanor changed & he said, " Oh, so you 're just not going to pay it. That 's a moral issue. Where are you 're morals? '' At that point I lost it & told him, " You do n't know anything about me nor my morals! Do n't sit up on this phone & try to tell me about myself! '' All the while he is steadily saying some defaming things so I told him that I know about collections. I 've worked in collections before & you 're not even the creditor. Your company bought my record for pennies on the dollar. '' He said, " No we did not! ... '' I told him he was in the wrong because he did n't even say the fdcpa verbiage that he was suppose to say before he went into disclosing my file. He told me he did. If I 'd shut my mouth for a while I would 've heard it. 
Now, I do n't do this but I believe that this company should be violated for this person speaking ill to me. Please make sure that a violation is placed on this company. Thank you.
Consumer complaint received 2015-11-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My husband and I have had a BoA account together for over 10 years. A few years ago I noticed an automatic debit from our account of {$150.00} that was not associated with any company and I feared a fraudulent transaction so I called the fraud line and the associate was as surprised as I was because there were no transactions details. She agreed to investigate. A day later we were informed that it was a BoA charge and they indicated that this charge was for a safety deposit box that my husband and his former spouse had together 20 years ago in another state. We were also informed that the debt would continue to accrue unless we flew back to XXXX ( we now live in XXXX ) and paid to have the box drilled to the tune of {$170.00} and emptied ( former spouse had both keys and had agreed verbally to empty and close the box which was not done ). 
BoA was unable to collect from his former spouse because she was now with another bank. Apparently during an audit BoA discovered that my husband now again held a BoA account so they debited our joint account - without any notice, identification or information re : the reason for the charge that was actually owned by my husband and his former spouse. After all even the bank technician was mystified by the debit and to investigate. All total we were changed {$320.00}. I can actually understand the drilling fee. But I can not understand the legality of charging our joint account-under the cloak of darkness- especially when this charge is ultimately shared by me, an innocent party. My question : was this legal? Was it proper? Is my husband jointly and severally liable for that prior debt and by default so am I because I share a new account with him at BoA? If so, can a bank just randomly charge our jointly held account for debt owed by my husband and his former spouse just because they have access to our account and can do so without notice at all? Thank you for your assistance.
Consumer complaint received 2015-04-28
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Bank of America gave me an incorrect payoff amount. Then, after I missed payments, they are refusing to amend my credit report, even with the amount paid. Then, they sent me a refund notice stating that I was overbilled XXXX, so that amount showing on my credit report is incorrect.
Consumer complaint received 2015-04-15
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I changed accounts from which my driect debt was to be processed. XXXX processed the payment from my old account which caused an overdraft fee and a hit against me through XXXX. When I called them to rectify the problem I had to do the leg work to fix the issue. When asked to fix the problem with XXXX they did not believe me when I said that it would affect my credit.
Consumer complaint received 2016-01-14
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (NY)

THE DECEPTION OF TD BANK I submitted an application for a collateral loan with my passbook savings account as the support. The loan amount was {$5000.00} over 36 months. The payoff was completed in 15 months and to my surprise, my collateral was not in existence any longer. Why is a collateral in place when there is no intent on the lenders part to reinstate the original property?
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXXXXXX Balance Owed : {$XXXX} XXXX XXXXXXXX Balance Owed : {$XXXX}
Consumer complaint received 2015-07-04
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (MT)

Chase Freedom credit card advertised 5 % cash back rewards for restaurant purchases made from XXXX/XXXX/2015 through XXXX/XXXX/2015. They did not honor the 5 % cash back rewards for several restaurants including XXXX XXXX in XXXX, XXXX, and XXXX in XXXX, XXXX. These establishments are solely restaurants and do not sell anything else so there is absolutely no reason that they could be called anything other than a restaurant. When I saw on my statement that I was not given the 5 % cash back rewards I asked them to honor their promotion as advertised, and they denied my request claiming they categorize these restaurants as 'grocery stores ' or 'convenient stores. ' This is clearly false advertising and tricking the consumer to use their credit card with the promise of receiving rewards, which are then not given.
Consumer complaint received 2015-11-17
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (SC)

I have been a victim of fraud and I have contacted the companies involved in this and they are removing the affected accounts from my credit. however I have contacted chase bank usa na they have listed XXXX credit card accounts with different numbers and amounts same time frame I had XXXX card with them that was closed during the divorce in 2007. I have tried to contact them both by phone and by mail and I received XXXX response by mail saying that the accounts will stay. I have placed a extended fraud alert on all XXXX reporting agencies and have disputed this account as fraud with the reporting agencies as well
Consumer complaint received 2015-04-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I graduated from XXXX XXXX XXXX XXXX in XXXX, MA. My issue with Navient continues. Today I discovered that Navient XXXX charged me on my monthly payment leaving me -900.00 in my bank account and costing me {$50.00} in overdraft and cancelation fees. When I called to inquire about this I spoke with a very rude representative who offered nothing but blame and accused me of erroneously paying XXXX. 

What in fact happened was the automatic payment plan I am in was charging my account on the scheduled date every month. When XXXX XXXX 2015 came, no payment was taken out. When I noticed no payment had been applied to my account I went online to make a payment manually on XXXX XXXX. I did this and thought everything was taken care of. I checked back in a few days to discover that still, no payment had been applied to my account. I called Navient to get to the solve the issue and I was told that the account information I used when I paid manually was from an old account, which explains why my manual payment did n't go through. I was assured I could pay over the phone with the correct account information and it would be instantaneously applied to my account. I gave her my debit card information and the woman I was speaking with charged my account right away. However what the woman at Navient failed to mention to me was that they were still going to charge me using the automatic, reoccurring payment system. Today I woke up to find my bank account severely overdrawn. 

I called Navient and they refused to do anything for me other than recommend that I call my bank and put a stop payment. This cost me 30.00 on top of the 25.00 over draft fee. Navient seems to continuously keep unorganized records and has a severely scattered work flow and lack of communication with their customers. None of the departments talk to each other and they make it very difficult for me and my cosigners to set up an affordable payment system. This company needs regulations as I constantly question their operation. I ca n't have trust issues with a company whom I give over half my income to. Had I known that my reoccurring payment would go through automatically when the account information was updated, I would not have taken her up on the offer of charging me instantaneously on the phone. I feel as though I was tricked into giving them more money than I had to. I have attached a few screen shots of what my transaction history looks like in my account. Only XXXX payment was applied on XXXX XXXX, not XXXX like they are claiming.
Consumer complaint received 2015-11-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (MO)

Midland Credit Management continues to harass me multiple times a day over a debt that is not mine. I have told the company multiple times this debt is not mine. Have told them another person in Missouri has my same name. Told them to take it off my credit and off of their call lost. The company in the beginning almost had me tricked into thinking this was my debt. I have verified with my files this is not my debt. Company says I need to have a police report to start the process of removing from their list. Company is a scam and trying to get money by using harassment tactics and they ca n't even send verification of the charges to make up this so called debt owed by me.