davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (IL)

On XXXX XXXX, XXXX, a representative from XXXX XXXX issued a Scope of Loss that provided itemized details of how the claim funds provided were to be dispersed ( see attached ). On lines # XXXX and # XXXX of the Scope of Loss, XXXX was the named party and were to be paid {$4900.00} and {$7000.00}. On line # XXXX, XXXX XXXX also provided claim funds in the amount of {$100.00} to " stain and finish wood window ''. Per the Scope of Loss, XXXX should have been paid a total amount of {$12000.00}. 
On XXXX XXXX, XXXX, a representative from M & T Bank sent a letter confirming that the signed contracts they received from XXXX was for the amount of {$11000.00}. ( See paragraph # XXXX ). This letter also provided a breakdown of how they issued the claim funds that were received. 
According to the breakdown that was provided, M & T Bank issued funds to " XXXX '' on XXXX XXXX, XXXX in the amount of {$5900.00} and XXXX XXXX, XXXX in the amount of {$3500.00}. Between XXXX XXXX, XXXX and XXXX XXXX, XXXX, a total amount of {$9500.00} was issued to XXXX by M & T Bank. 
When XXXX XXXX sent claim funds to M & T Bank, it was accompanied by the aforementioned Scope of Loss. M & T Bank also received a copy of the signed contract from XXXX. M & T Bank has admitted, in writing, that they have only issued claim funds in the amount of {$9500.00} for XXXX. If M & T Bank received a contract from XXXX for the amount of {$11000.00} and a Scope of Loss from XXXX XXXX indicating that XXXX was to be paid {$12000.00}, then there is no less than {$2400.00} due to XXXX. Unfortunately, M & T Bank has refused to pay this amount. 
M & T Bank had a fiduciary duty to ensure that the funds provided by XXXX XXXX were issued appropriately. Unfortunately, as of XXXX XXXX, XXXX, M & T Bank has failed to fulfill their obligation to responsibly care for and protect the asset located at XXXX, Illinois XXXX. This misappropriation of funds is illegal and is a felony. 
I have been getting the runaround about these funds for over a year. This is my final attempt to resolve this issue with M & T Bank before I begin to file complaints with other authorities who take this very seriously.
Consumer complaint received 2016-05-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NV)

On XXXX XXXX XXXX, I spoke with XXXX XXXX with Deutsche Bank regarding XXXX XXXX. He stated to me, to send an email to him at XXXXXXXXXXXX regarding my issue. On XXXX XXXX XXXX at XXXX, I sent an email to XXXX. As of today, XXXX or Deutsche Bank has failed to respond to my inquiry! Please review the email that is enclosed that was sent to Deutsche Bank. Now ; I filed a complaint against XXXX XXXX with the CFPB, case # XXXX. XXXX uploaded a Deutsche Bank loan schedule onto this complaint. This loan schedule reflects that Deutsche Bank loaned XXXX XXXX millions of dollars on XXXX XXXX XXXX. Please review the enclosed document! On XXXX of the pages shows our residence located at XXXX XXXX XXXX XXXX XXXX Nevada XXXX, loan # XXXX for {$460000.00}. NOTE : XXXX XXXX failed to provide assignments and a certificate from the trustee going all the way back to our original lender, XXXX XXXX Mortgage. An assignment ( s ) are used when an investor or bank sells or transfers the asset. A certificate is also issued when an asset is placed into a pool of trusts by the trustee ( XXXX Bank as trustee for XXXX XXXX XXXX XXXX ) to reflect who the current investor is. The trustee will know who to send funds too for this asset being in the pool of trust! As of today, XXXX XXXX failed to provide the documentation that we requested. Now ; since XXXX XXXX provided a loan schedule from Deutsche Bank, we must confirm with Deutsche Bank weather or not XXXX XXXX had this loan for our property! Anyone with computer skills can create a letter head from a previous loan, then remove information and then add the information that you want in order to reflect that XXXX XXXX had a loan for our property. This loan Schedule does not by any means reflect that XXXX XXXX is the current investor. XXXX XXXX could have sold or transferred our note as the evidence that I have in my possession will reflect! XXXX XXXX possibly, failed to create legal documents to show legal ownership of the asset! We request to know if XXXX XXXX had a loan for our property in the amount of {$460000.00} dated XXXX XXXX XXXX, loan # XXXX. We request this information in writing!
Consumer complaint received 2016-09-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FIRST HAWAIIAN, INC. (HI)

This regards a car loan financed by First Hawaiian Bank. My girlfriend and I have been making over the amount of payments to pay down the debts. We made inquiries about why their records do not reflect the payments. They have not gotten back to me as why. On XXXX/XXXX/2015 the loan was for XXXX. I have applied at least XXXX or more not sure it could be more because my girlfriend made payments from her FHB first line in which the bank had ceased her account, without good reason. She has never been late for any of her personal line payments. But, XXXX from the car loan department was supplied with her first line account information requesting her to please cross reference payments that were applied to my car loan. This is almost a year and FHB car loan does not reflect all the payments made towards the vehicle.
Consumer complaint received 2016-06-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MN)

My husband and I live in XXXX mn our current mortgage is with HSBC and we just received a letter from them stating our mortgage is being transferred to XXXX XXXX XXXX. Our mortgage is current and up to date. Why is this happening?
Consumer complaint received 2016-06-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: United Shore Financial Services, LLC (GA)

I have a mortgage payment with UWM and in XXXX XXXX paid the required XXXX into their escrow a account, I have paid faithfully every month. My property taxes and hazard insurance has been the same. FOR some reason I just received a statement saying I am short on on the amount in my escrow account and need to send them them {$140.00} because I do not have the required escrow of XXXX dollars. For XXXX and in the past it was the same nd it was never short. What happened this year? I have talked to them, but they do not give me an answer as to why it happened to be short this year. UWM is a division of United Shore Financial services.
Consumer complaint received 2016-06-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

After making on time monthly payments, DiTech has decided to report me XXXX payments late to the credit bureaus. In addition, they continue to state i owe monies that i do not know. they claim it is due to escrow shortage however, my escrow statement from XXXX/XXXX/16 shows an overage.
Consumer complaint received 2016-06-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AZ)

My loan was sold by Greentree to Ditech approximately 6 months ago. Since that time, my loan payments ( which have always been submitted on time ) have been applied to my escrow rather than my mortgage, thus making my mortgage payments late. We have contacted them each month letting them know that the payment has cleared our bank and they will reapply the payments to our mortgage, which does happen eventually. In the meantime until that payment is applied ( which can take up to 10 days ), we receive calls on our cell phones and our business phone stating our payments are late. Many of these calls come on the weekend and the evenings when we can not address the issue with a live person. This happens EVERY MONTH. My XX/XX/XXXX payment was not applied to my account until XXXX XXXX, therefore accruing for an additional month and making me over 30 days late when my payment was actually received by Ditech on XXXX XXXX. Additionally, my XXXX payment that was sent on XXXX XXXX is still showing delinquent. I talked to a supervisor today that said it is a known error and this is affecting XXXX Ditech clients. The collections calls are borderline harassment since there is no immediate recourse I can take, my mortgage payments are being held hostage due to a computer error, my credit has the potential to be affected and I am being charged unnecessary accrued interest!
Consumer complaint received 2016-07-22
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Prosperity Connection (MO)

I purchased a loan from Reddough Money Center, originating on XXXX XXXX, 2016, with scheduled biweekly payments of {$42.00}. On XXXX XXXX, 2016, Reddough debited my account in the amount of {$210.00}, without notice. I contacted XXXX XXXX at Reddough about the situation, showed up in person, and after several exchanges about the situation, I was told my account would be credited {$170.00}. I asked for explanations for this gross error, and the answers were very vague. I stated I suspected possible embezzlement, which was dismissed as being ridiculous by XXXX . XXXX, which made me even more suspicious. I then noticed a " Maintenance Fee '' of {$23.00}, charged to my account on XXXX XXXX, 2016, which I had no way of knowing it was charged, if not from the printout for this situation. After providing my personal banking statements from XXXX and XXXX 2016, and providing a printout of my transaction history for XXXX, it was proven that all debits previous to XXXX XXXX had been debited, but XXXX 's records did not reflect the same. 

After reviewing MY personal records, XXXX XXXX verbally promised to reverse the ACH for {$170.00} AND vouched that funds would be available in my account on XXXX/XXXX/2016. That did not happen, of course.
Consumer complaint received 2016-08-04
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: AMERICAN EXPRESS COMPANY (NJ)

On XXXX XXXX, 2016, there is a charge of {$780.00} taken out of my account, paid to XXXX. I figured out that my boyfriend at the time had taken my debit card number and paid his past due cable bill with it. So I called up bluebird AmEx and told them what happened and disputed the charge. I was issued a conditional credit for {$680.00}, {$100.00} less the total charge, in XXXX 2016. I was received an email and uploaded forms they asked for. Then I never heard anything from them, until on XXXX XXXX, 2016 when I noticed they reversed the provisional credit and sucked out all the money I had in the account and then some. I called them and they said the reason they reversed it is because they needed me to send them a copy of the receipt from the disputed transaction. How could I send them a receipt I do n't have, and why would I have a receipt for a transaction that I never authorized. They did n't even try contacting the merchant to my knowledge and I have tried numerous times resubmitting the dispute and it has been like banging my head against the wall. The last time I called in they resubmitted a new dispute but I was told that I needed to send in s copy of his bill to prove it was not in my name nor service to my address. I said I did n't have access to that and they told me to call or have a male friend call XXXX pretending to be my ex boyfriend and get a copy. I was not doing that for obvious reasons but also that would n't make a difference because I am sure they would just send the copy to his address on file which I do not live there or get his mail. In any event they are just giving me the run around now and the account is negative months now and checks have bounced etc. Because they never informed me of the credit reversal or any information the entire time and also on their website I was reading the dispute terms and conditions and it says that they will contact, merchant and fight your dispute as any other major credit card etc. and clearly they have done no such thing. I hope this agency will be able to assist me in getting my {$780.00} back that I have been out for the past few month. Thank you for your time and anticipated cooperation regarding this matter.
Consumer complaint received 2016-06-21
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (FL)

CMRE financial took over a medical bill from last XX/XX/XXXX. They have not credited any of the payments I have made, nor do they enable me to see the status of my payments made on their website. 

They just send me letters about owing money. I feel uncomfortable making blind payments with no end in sight.
Consumer complaint received 2016-09-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

I am submitting this complaint about experian credit reporting agency as I submitted additional substantial proof that an account that is reporting on my credit report is incorrect. My XXXX charge card/XXXX is reporting with a 30 day late remark and listed under accounts that are potentially negative. This is wrong information. I contacted XXXX XXXX and received a letter from them stating that this account was never paid late and should be reporting as accounts that are in good standing. I sent in a copy of this letter to experian as additional substantial proof. Yesterday I received a letter from experian XXXX/XXXX/2016 that the information I sent in they will not accept and change the incorrect information on my report. Experian did not do a full investigation. The letter I sent in to them that came directly from the bank should be valid proof that my report needs to be changed. I had also contacted experian numerous times in regards to my credit report and was told they will not investigate this information again as it has been disputed a few times before. I was told only if I have additional proof will they do a re-investigation. Well I submitted the additional substantial information and it should have been corrected. Having this wrong information reporting on my credit report is causing a hardship on my credit score.
Consumer complaint received 2016-06-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Loan # XXXX XXXX XXXX XXXX XXXX Ct, XXXX XXXX CA XXXX Wells Fargo has countered the buyer on this property without having done an interior appraisal. When we confronted the negotiator regarding a lack interior access and we requested a copy of the appraisal they have on file, the negotiator discussed the request with her manager. Her manager stated Wells Fargo does not have to provide a copy of their appraisal, and therefore does not have to comply with the XXXX Valuations Rule. 

We believe, in fact, there is no appraisal on file at all. We believe Wells Fargo has either an automated value or a drive-by BPO on file. To label either of these as an appraisal is Fraud. 

The homeowner has stated they have not given interior access to anyone from the bank. We believe their reluctance to do so is because it does n't actually exist and they simply made XXXX up. 

This is very odd. Unfortunately this is not the first time management at WF stated they are not do not have to comply with State, Federal or CFPB guidelines. They think it is a joke.
Consumer complaint received 2016-07-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have had an account with bank of america since XXXX they have closed all of the local branches in my area and the closest bank is half hour away from me which has been difficult as a customer but I just dealt with the inconvenience. I worked very hard to pay off my credit card with Bank of america with a {$5000.00} credit limit. XXXX day I go into my online banking to check my accounts and my credit card was not showing. I called the bank and they said they had closed my account no notice just closed. I had never been late and never had an issue with this card had the card since XXXX they had just sent me checks in the mail where I was going to use XXXX at XXXX for 0 % interset until XXXX. I am so glad i did not having no idea they closed my account I would of been mortified. It has sbeen nothing but difficult to keep a relationship with bank of america they do not care about there customers or having a long relationship with them. After years of having a perfect relationship with them they close my account with a zero balance because they say my utilzation is high on my cards. I am done with them closing branches everywhere and not having relationships with there customers there is so many other banks that do n't treat good customers like this
Consumer complaint received 2016-06-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: World Omni Financial Corp. (FL)

In XXXX XXXX World Omni Repossessed my car on the 30th day of it being late. I called the company explained that I was making the payment the same day and they still took the car. I went through the necessary steps and paid an outrageous amount of money to get my car back that same exact day. World Omni reported from that day forward to all three credit bureaus that the vehicle was " redeemed or repossession '' in the remarks. The account is showning closed with a high balance. The issue is I have been paying on this car on time every month with NO repossessions since the XXXX XXXX incident. I called the company, customer service told me the issue would be rectified FIVE times. Every month my credit score is suffering due to this closed account with a high balance. I have been disputing the account every month as well asking the company to please update the information to reflect true. The company has refused to do so. Every time I speak with a representative I ask for an amortization schedule as well as my payoff amount. I am being told by numerous reps they do not have an amortization schedule but will send a principal and interest breakdown for my last payment. I have yet to receive this information and I 've been asking for it since the loan opened in XXXX. The payoff that I am being quoted is with interest. When I explain that the payoff amount should not include any interest as it is being paid in full I am never given the correct amount.
Consumer complaint received 2016-09-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

i was pre approved for a discount program designed to save money on my loan by midland collection agency.given a certain date of expiration which was XX/XX/2016..midland collection agency has given me XXXX options. 
1. 40 % off from balance of {$3100.00} which was {$1900.00} 2. 20 % 6 month payments of only {$420.00} 3. monthly payment as low as {$50.00} per month. you have to discuss with them for this. 

I took option 1 .paid them {$1900.00} by check at XX/XX/2016 which was posted or deducted from my bank account posted on XX/XX/2016 way ahead of their due date. 
Yesterday XX/XX/2016 i got a letter from them thanking me for my recent payment, however they tell me that i still owe them {$1200.00} this is the amount that i was suppose to save on my XXXX % option 1 discount.i 'm so mad that i am looking straight for help ... thats why im here ..i need your help.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2016-06-19
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been a victim of identity theft, Police report has been submitted it to the Creditor that includes their account Bank Of America they said that the account was verified, How? just by assuming that my name is the same and the address match their records. Therefore is mine, I am not denying that the account is mine, Identity Theft Victims when accounts are hacked the perpetrator uses the person identity to identify that they are the actual account holders. when they are not, this is what Identity Theft is all about. ON XXXX XXXX, XXXX I wrote a letter to the Bank Of America requesting the information you will see in my attach letter asking for copies of the charges slips with my signature on it, their investigation report to verify if in fact the signature match my own signature. I mean what is wrong to ask for, a very important information However Bank Of America have denied such right, but YES they can verify me by only saying that the name and the address match their records of course it will match their records does the thieve will say I used this account on XXXX XXXX behalf. That is why I need to verify my Signatures on every transaction it was done on this Credit Card. if they do n't have that information them the account is NOT verifiable. in my letter I am stating dated XX/XX/XXXX that the Law directs to provide with the documents requested at no charge without requiring subpoena within 30 days if in 30 days they fail to respond the account should be Remove/Deleted from the XXXX major Credit Bureaus Company 's because, they fail to Provide me with documents requested I have never received only a letter from Bank Of America stating that the account is mine, therefore now I am asking you to use the Provisions and Regulations under the Fair Credit Act to request Bank Of America to Remove/Delete this account, because it 's being reported it every month to the Credit Bureaus that the account it is Closed but is over the limit when the account is closed, also being reported it as being Late when is closed, on top there is a violation of statute of limitations because according to their records the last payment they received was in XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX is about 6 years old. In the State of California states that either Verbal or written Contracts if they are over 4 years are not collectable.
Consumer complaint received 2016-06-20
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: Select Management Resources, LLC (PA)

I contacted Loan Max XX/XX/2016 to ask about a title loan. I was only looking for {$1200.00} and I asked the lady on the phone what the interest rate was and she proceeded to tell me it was 24 %. So I drove 45 minutes to get this loan and after I signed everything was then told that it is only a 60 day loan at an interest rate of 324 % APR. This is predatory lending at its best, this is a classic bait and switch get you in the store and tell you everything is great and easy and then proceed to " XXXX '' you of all your hard earned money. Even though I only make about {$1200.00} a month they still did n't care and went ahead with everything anyways.