davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (ID)

The problem with M & T bank and my mortgage is simple : They wo n't take payments and have gone out of their way to increase the difficulty I have in making certain payments arrive on time. This problem started in XXXX 2014, when I admittedly was late with a payment. I did, however, schedule to have my XXXX payment take place at the same time as my XXXX payment. The M & T website indicated the payment was scheduled and no prompt from their website indicated there was a problem. When it came time to make my XXXX payment, I found out only then that I had been locked out of my account and forced to deal with another loan service : XXXX XXXX. Here, I was instructed to speak with a specific loan officer who was never in her office. Finally, after XXXX weeks, I was able to make contact. I made XXXX months worth of payments with her in XXXX day. She instructed me the loan was back to normal and should be operating in M & T 's hands. For the XXXX payment, this was n't the case as I remained locked out of M & T 's website. This time, when I attempted to make contact with the same loan officer, I came to find out she has been dismissed and I must deal with a new loan officer by the name of XXXX. I again make the payment with XXXX and he tells me the loan is back with M & T. For XXXX 's payment, I log in on XXXX XXXX to make my payment only to discover I am still locked out. I contact M & T, who only tell my I must deal with XXXX, in spite of being told otherwise by XXXX themselves. I attempted to secure more information, only to be told they would not help me at M & T. I have attempted to contact XXXX several times, leaving a message with him XXXX with no return calls. I have to make myself available to contact XXXX outside of work, school, and XXXX during their leisurely hours. As of this writing, my XXXX payment is outstanding and M & T refuses to accept any payment. This seems odd, during a potential foreclosure and asset management process that their technique would be to make the process more difficult for the person making the payments. It further seems odd as M & T Bank took XXXX XXXX in bailout funds with no intention on paying that money back. I do n't see where their lending practice could possibly fall within legal boundaries, it seems predatory in nature. They also recently increased the payments by over {$200.00} a month claiming it was for the escrow, which closed in XXXX. Not sure hot that works, but I feel it is worth looking into by somebody.
Consumer complaint received 2015-06-09
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Brent D. Stamps, Attorney at Law (MD)

I completed admission paperwork at XXXX Hospital and was pre-authorized for XXXX by my insurance company. At this time, I was told specifically by the admission representative at the hospital after asking several times that I had to pay a {$100.00} co-payment per my insurance company. This amount was paid and I got the impression that I could not have XXXX unless it was satisfied. I wrote on the admission paperwork paid in full that the hospital kept. 

Months later, I was contacted by an attorney, Brent Stamps demanding that I pay {$640.00} to the XXXX hospital. It was somewhat confusing to me because I had been told during the time of admission that I was only responsible for {$100.00}. Later, I was contacted by another debt collector requesting {$610.00} with a bill from XXXX Hospital with {$610.00} on it, but not indicating what specifically it was for and why I owed it. 
It is extrememly annoying to be told to pay additional money to the hospital when the preauthorization from the insurance company indicated what I owed according to the hospital admission/billing representiatve. When I asked how she came up with the {$100.00}, I was told that is what the insurance company indicated that I would owe XXXX. 

So to come back months later and indicate that I owe additional money when I questioned it earlier is very annoying. The bill sent to me also indicated a XXXX XXXX credit card payment of {$100.00} on it when I do not bank with them. So that too is inaccurate. 

The hospital stressed that XXXX could not be done unless there is prior authorization from the insurance company but then they misrepresent what is due at the time of admission.
Consumer complaint received 2015-05-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (OH)

The issue at hand is my servicer Shellpoint. I have been trying to resolve the issue of my past due payments with Shellpoint. Over the past few years and months I have received correspondences from Shellpoint with different past due amounts. I would like to know : Why the amounts past due keep changingHow did the past due amounts jump from only {$190.00} in XXXX XXXX to {$800.00} in XXXX XXXX. 
I have received my payment history from Shellpoint, but there seems to be fees that were told to me verbally that do not appear to be in the payment history, or, I may be misunderstanding my printout. It was told to me that there was a " Third Party Recovery fee '' of {$250.00}. What was the fee for? 
In XXXX XXXX, there was an insufficient funds charge for a check that bounced, I mailed in a money order for {$140.00} to cover the insufficient funds ( {$20.00} ) and my payment of {$120.00}. I feel I do not owe the {$20.00} insufficient fee because I paid it along with my mortgage payment. 
Can Shellpoint please explain to me how my payments are applied, to principal and interest, escrows or fees which is applied XXXX? 
Last year in XXXX XXXX, I spoke with a Rep at Shellpoint, do believe her name was XXXX, I called XXXX and we set up a payment of {$110.00} in addition to my regular payment that comes out of my account electronically. I sent in the additional payment of XXXX and it was returned stating that I did not have send in a full payment. Please help me get this straightened out once and for all. 
I would like to know what do I actually owe that is past due? XXXX amount, not several different amounts. I have attached documentation to support my complaint. 
Thank you kindly for attention to this matter.
Consumer complaint received 2015-03-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I received a deletion letter from a creditor to remove an account from my credit file and inform Transunion about the information. Transunion told me if i can fax them the deletion letter they will remove the account from credit file within XXXX business days. Therefore, I fax Transuinion the deletion letter but Transunion told me they are not going to accept the deletion letter. I asked Transunion to send me a letter in writing why they are not accepting the deletion but they are refusing to send me any correspondence in writing and also refuse to delete the account as per request by the creditor.
Consumer complaint received 2015-05-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (AZ)

US Bank changed my billing address for my mortgage without notice and without my consent to an address that is NOT and never has been my address. Consequently I received no billings or statements of delinquency until I discovered the error and pointed it out to US Bank in XXXX 2015 while doing my taxes. I want all interest and penalties assessed as a result of their error refunded. Please note the property address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( an address which does NOT receive mail ). The correct mailing address is and always has been XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX. 
The incorrect address the bank started using for me in XXXX was XXXX XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2015-09-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Bureau Collection Services, Inc. (NJ)

I signed up with XXXX XXXX XXXX to handle my electric bill. They Canceled my service I do not know why?. I did not cancel it. Now they have XXXX collection agency after me. The first XXXX is XXXX XXXX XXXX XXXX XXXX XXXX. Account # XXXX XXXX # XXXX and the other company is CBCS ( XXXX XXXX XXXX. Account # XXXX And The CBCS account # XXXX. I paid all my bills and I do not know Why they canceled me. I will not pay for something this.
Consumer complaint received 2015-06-09
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (FL)

I signed up with Experian in order to receive a XXXX time credit report in the amount of {$1.00}. Upon signing up I box prompted if I would like a XXXX bureau report along with my FICO credit score. I checked that I did, but was not made aware that an additional charge of {$39.00} was going to be added. I received my credit report and moved on. Today I checked my bank account and there is a charge in the amount of {$21.00}. I checked with Experian who advised me that the charge was for a monthly monitoring service that I did not cancel within the trial period. I did not authorize the monthly monitoring nor was I made aware of the trial period that I needed to cancel this unwanted service in.
Consumer complaint received 2015-06-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (FL)

My house was foreclosed even after the lender submitted a Cease foreclosure request to the Court Judge. 
This has been a battle since XXXX, I have done back flips to keep my house, made payments that were sent back, tried for loan modification and denied XXXX. Then enlisted a group called XXXX who stated there was a loan modifcation completed and the lender stated to me to hold a bit until the paperwork is complete. Instead the foreclosure was done and then reversed by a Judge in XXXX. Then I paid mortgage payments to the court for one year on time every time until it was loan modified again. The loan modification arrived with the payment amount changed {$200.00} higher thatn what was agreed. Then we set up a mediation hearing that cost me {$250.00} each time. I cancelled the XXXX XXXX due to XXXX XXXX XXXX ) and I also was short of funds to pay {$250.00} again to go in complete XXXX circles and getting absolutely no where. Then here come a foreclose action again. and the the judge gave another opportunity to get the loan modified. I worked extremeley hard to get XXXX plus papers to the lender and I had a verbal pre-approval. They waited the last 2 days before the Foreclosure XXXX/XXXX/XXXX to send Cease Foreclosure and stated they would complete the loan modfication by XXXX/XXXX/XXXX, Letter can be provided. Now, supposedly since it is foreclosed and is owned by XXXX for {$85000.00}, XXXX I paid {$170000.00} XXXX I am waiting for the lender to give me word on an Investor and they will in turn place it back in my name with a loan modification. This has been going on for 3 weeks. I call every week and often XXXX per week. The 30 day window is upon me to get an order to vacate the court order which occured XXXX/XXXX/XXXX. 
Other issues include from XXXX, Breaking and Entering and Theft : changing the locks and entering my house, taking items more than once, going thru my personal dresser drawers as things were shuffled around, leaving deadbolt unlocked, leaving garage light on, cutting off my water, cutting the grass, all in an occupied house. I was living alone and had to be gone 1-2 days due to elder parents illness but when I return to my home, these things were noticed. 
XXXX
Consumer complaint received 2015-10-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (VA)

My wife and I applied to Equifax for our free annual credit report, the last XXXX received was on XXXX XXXX, 2014. In both cases, we were told ( online ) that we could not receive the report online but would have to submit voluminous information by mail to receive the reports. This has happened many time in prior years, only from Equifax , never from XXXX. I have not tried to contact Equifax by phone because, from prior experience, it 's is very difficult to get anyone at their organization to expedite a correction to their policies.
Consumer complaint received 2015-11-20
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I redeemed my credit card points XXXX of them and the agreement was that I was to receive full value for the points {$55.00}. The organization after the fact closed my account and is preventing me from receiving full value for the points that I have earned by using my credit card.
Consumer complaint received 2015-03-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX, my mortgage serviced by CitiMortgage Account Number XXXX was paid off in full. I refinanced with a new 15 year fixed rate FNMA mortgage which was funded on the same date. I had a remaining escrow account balance at CitiMortgage of {$2200.00} as of XX/XX/XXXX. On XX/XX/XXXX, CitiMortgage withdrew {$15.00} from the escrow account. After contacting them via email on their website, they told me via email that the deduction was for a " wire payoff fee. '' The Note I signed on XX/XX/XXXX and the Federal Truth In Lending disclosure I received on the same date clearly state that the loan had NO PREPAYMENT PENALTY. I view this {$15.00} as theft from my escrow account, as it is a de facto prepayment penalty. Despite the small amount, I want this investigated and I want the money refunded to me, as CitiMortgage has refused to do so, despite my repeated contact with them since that date. Additionally, CitiMortgage has been holding onto my escrow balance instead of refunding it to me promptly. They have stated that they do not intend to issue a check until XX/XX/XXXX, which would be 16 days after the loan was paid off. I want a full escrow account refund, including the {$15.00} they deducted for the payoff penalty, IMMEDIATELY. They have had long enough, and I have waited long enough. Thank you.
Consumer complaint received 2015-11-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (DE)

I moved from my apartment XXXX in XXXX of 2013. I received the itemized statement of amount due ( attached ) totaling {$980.00}. 

Just 24 months later, IQ Data is attempting to collect {$5500.00} on this debt. An increase of over 500 % of the amount I owed. This is blatant manipulation of debt to collect much more money than is owed.
Consumer complaint received 2015-10-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (DE)

I have submitted a Declaratory Judgment, & Slander of Title complaint with the Superior XXXX Office. I have written several letters to the M & T BANK requesting specific information related to my mortgage/security. I have requested they answer specific detail facts that I am entitled to know.
Consumer complaint received 2015-05-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

Ocwen Loan Servicing : pass company name 's Option one, Homeward Residential, American Home Mortgage Servicing , Inc. ( AHMSI ). They stopped taking the mortgage payments because they forced placed insurance and I never had a previous laps in insurance I just changed companies. 
After they realized this, they dismissed the foreclosure and continued to not take any payments for over one year. They never had the correct Social Security number so I could not talk with any one. 
After this time period they proceeded with foreclosure a XXXX time Also I learned that the mortgage company did n't have a license, the documents from the mortgage company stated that the note was lost and destroyed. 
The mortgage company 's attorney asked for a 45 day extension and it was granted and they took a whole year before they came back with an answer and then they tried to go straight to trial There was a trial date set and they did n't contact me or my Lawyer so the date was changed by the judge They never had the correct Social Security number so it was always a problem to speak to them on the phone and this is from the beginning of the loan XXXX XXXX XXXX is a company that they always asked me to direct my mail to and the company was/is non-existent ... all mail was returned The service provider, company name " AHMSI, '' kept changing their name XXXX times because they had a class action law suite placed on them for forced placing insurance on their mortgage holders and then filing foreclosure on them. I have not done a modification today XXXX/XXXX/2015 I received a payment plan and I 'm still in foreclosure. We just got pass Ocwen lawyer trying to go to trial contact me or my Lawyer so the date was changed by the judge, now a payment. I just do n't understand how can this company get away with this.
Consumer complaint received 2015-06-09
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My Credit Report issued by any and all credit agencies included a list of all businesses who have check my credit and ordered a copy of my Credit Report. There were a total of XXXX businesses in the list during the year 2014 alone. None of the businesses had my permission to obtain my Credit Report. They acted illegally in obtaining my Credit Report. 
During said time, I was shopping for better insurance on my home and car on the internet. 
I was also shopping for a refinancing of my home mortgage with a small amount of " cash out '' of my equity to pay enormous medical bills not covered by my health Insurance. 
Neither of these reasons should affect my Credit Rating, but they do, for reasons I am not aware of. 
All of the companies in the list should and must be eliminated from my Credit Report. Their need for information on my Credit Report is purely speculative in nature, and prejudicial as any negative statement on my Credit Report. They have usurped their need to my demand for privacy.
Consumer complaint received 2015-05-07
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

XXXX XXXX XXXX are collecting an alleged debt for Capital One Bank and continue to contact me at my place of employment ( also a law office ), leaving recorded messages, voice mails on my employer 's phone and it is an automated call. I have written, faxed and e-mailed XXXX XXXX, provided them videos of the recorded calls and voice mails, and photographs of the caller I.D . at the law office where I work together with an Exhibit listing the dates and times of the ongoing calls and they still will not discontinue the calls. I have been verbally warned by my employer not to continue receiving " personal '' calls at the office and am in fear of losing my job!! 

Because I can not seem to get anywhere with XXXX XXXX directly, this is my next line of action. 

I have also provided XXXX XXXX with an Affidavit showing that the Capital One card for which they are trying to collect was never in my possession and was likely stolen along with my vehicle a couple of years ago as that was around the same time that whoever stole the car also started using the credit card. I have disputed owing the debt but doing so is like talking to a brick wall. They do not seem to " follow the rules '' when it comes to debt collection practices.
Consumer complaint received 2015-10-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Simon's Agency, Inc. (NY)

A few weeks ago I got a credit report alert stating that a negative item was reported on my credit report. After I log in to check it out I found out that a collection agency name XXXX agency on behalf of XXXX and XXXX was reporting information to the XXXX credit bureau without validation of the alleged debt. I called the agency and spoke to the first rep and I informed him that why was negative item being reported to the credit bureau and this allege debt is not validated and I requested that the debt be validated. He refuse to hear what I have to say and I requested to speak to a supervisor and one came on the phone with the same attitude stating that they requested a bill from the original creditor and as soon as they get it they will forward it to me. I told them that this is not satisfactory because the alleged debt should have been verified before they put a negative mark on my credit report. Up to this date I have never received any correspondence from XXXX agency or XXXX and XXXX who they are supposed to be represented. I have never received any validation on this allege debt. Reporting negative information to the credit bureau without validation is a violation of both federal and state law.
Consumer complaint received 2015-09-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

They closed my account after I sent a payment and thought I had the funds. They honored the payment before they honored the deposit I made to cover the deposit. When they closed it they said I must put in the amount to cover the overdraft line of credit and I did that. After that I accidentally put an extra {$300.00} in the account. I 've asked them XXXX time to return the funds and they have n't. They keep claiming that they are going to review the account tomorrow and then return my funds. They have said this twice now.