davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-29
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a mailing in XX/XX/XXXX, 2015 from Bank or America ( my mortgage holder ) stating I owed them approximately {$1500.00}. My mortgage bill for that month had given me XXXX options ( 1. interest only, 2. prinicipal + interest, 3. prinicipal + interest for 15 year payoff ). I chose the interest only payment and paid that amount in full at the beginning of the month. 

I do not understand how they can then ask for more money mid- month. 

In XXXX, I paid the amount that includes prinicpal and interest. 

I received a bill for this coming month 's payment ( XXXX, 2015 ). It states that I owe {$12000.00} for my payment. This amount includes principal + interest for XXXX ( {$5400.00} ), as well as {$930.00} for current period fees and charges AND {$5600.00} for overdue payments, fees and charges. 

The payment I made in XXXX ( {$4100.00} ) is being held separately as " unapplied funds ''. 

I have spoken to BofA on multiple occasions, had my loan " escalated '' XXXX different times. I 've also been told once that the billing mistake in XXXX was to be taken care of and that they would accept my interest only payment in XXXX as payment in full for that month. 

However, I have still been receiving collections calls and billing statements that do not show that the corrections have been implemented. 

The last time I spoke with someone from BofA, was the third time it was being " escalated '' since late XXXX. I was told I would be called back the following day with a resolution. I have not been called back since. That was over a week ago now. 

I have spoken to numerous different people at BofA and have yet to receive any resolution or explanation of what is going on.
Consumer complaint received 2015-04-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (CA)

Dynamic Recovery Solutions XXXX XXXX XXXX SC XXXX attempting to collect paid pff debt from XXXX. This is not legal! FCRA states no collections of any kind may be made after XXXX years! The letters from them are false claims from XXXX years ago. These scumbags need to be put in prison.
Consumer complaint received 2015-07-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

I have had repeated issues with my loan servicing company/escrow account. They have, on multiple occasions, paid, duplicate or incorrect amounts and even after requesting a XXXX speaking representative, I get people who do n't understand me when I work for resolution. 
They wanted {$500.00} to cancel my escrow and I refused to pay it. After fighting with them for over a year, they finally cancelled my escrow account. Now they are claiming to have paid my taxes, after the closure, and want me to reimburse them. I paid my taxes. My local tax authority refunded OCWEN ; and believes they may have incorrectly applied the funds to another account. Every time they send one of these demand letters, I request an audit. They do an audit and request more money for something else. Only ever giving me their printout of what they claim they did/did n't receive, did/did n't pay. I believe that when I become exhausted and write them a check, it encourages them to do it again. 
Now, they are demanding my tax receipt. I 'm looking for it ... had it for income taxes and have misplaced it when re-filing them. They also did n't send me any statement for taxes paid when they sent my interest statment. Anyway, I asked them for their receipt, they just send me a printout of their accounting. I can make a printout on the computer the same as them. 
I have gone through grief for several years between my tax persons prosecution for embezzlement and OCWEN 's incompetent servicing of my mortgage. I need to know how to compel them to get an objective third party to go through my mortgage history and do a legitmate audit. I do n't trust them.
Consumer complaint received 2015-09-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (OK)

I made all XXXX payments to Santander plus XXXX, because I deferred my payment four times during the six year course of the loan. With the deferments my contract paid out XX/XX/XXXX. They tell me I owe over eight thousand dollars in fees. I have been continuing to make monthlyl payments waiting to get enough money to talk to an attorney. I still do n't have money to hire an attorney. Even though I have never missed a payment that I did n't make up, all through my loan and even now they have been and still are reporting me 30,60, & 90 days past due. I called today to get the payment dates they say I missed, because each time they tell me I 'm behind and each of the representatives would give me different dates. Today which is a first, the representative says I have n't missed any payments. I ask then why are you reporting me late every month. In essense she say XXXX my payment is due on the XXXX and if it is not received by the XXXX I am 30 days past due or more depending upon how many days are in the month. Even though my payment is due on the XXXX of XXXX for XXXX and I do n't owe for any other months, If the payment is not received by the XXXX of XXXX I will be reported over 30 days past due. Because I wo n't be making my payment until the XXXX. Because that 's the way my pay period falls. I get paid every two weeks and sometimes it 's on, before, or a few days after. They say I have XXXX day grace period but I always pay in the same month to avoid them repossessing my car. And yes except for this time which the first they did n't say that I was behind or that I am in danger of my car being repossessed. My it 's because of all of the lawsuit they are quilty of. But yet the are still reporting me late. I have not missed a payment since they illegally repossed my car XX/XX/XXXX. And I always pay in the same month, it XXXX the last day of the month, but it 's in the same month. This has and still is causing me a financial hardship financially and they have ruined my credit illegally. It great the XXXX Department suied Santander on behalf of our service individuals for the same things they are still doing to me, but what about the rest of us. Does being a citizen of the United States account for anything, knowing they are doing to other citizens what XXXX Department sued them for doing to service members. Should n't we be recompensed, should n't they be made to take their lies from our credit reports, should n't I received back the money they are embezzling from me. Oh, I have to pay if I want a way to get to work. Do you not count, I 'm too old to join the service but my father, now deceased XXXX. He 's buried XXXX just outside of XXXX, my home town. Do n't you think every citizen deserves justice from this and any other predator. I 'm not the only one who has had or have a loved XXXX or someone they care about who has served this country. All of us should have your help we are the offspring or parent or sibling of someone who has served our country. What about us????????
Consumer complaint received 2016-01-27
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX has been reporting to Experian through XXXX for over 10 years. Recently we realized that XXXX had gone out of business and none of the information we were reporting was appearing on Experian. Furthermore Experian deleted all the information we had ever reported through XXXX without either company informing us. We have been dealing with the manager at Experian, XXXX XXXX, and the supervisor, XXXX XXXX for two and a half months now without any solution. We were denied being able to report to them directly yet we are still being charged to be able to purchase credit reports from them even though at this time we know they are not accurate because valuable information from our company has been deleted. Over ten years worth of information is missing for our customers. Experian refuses to reinstate the information.
Consumer complaint received 2016-01-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

There was a workers comp medical bill submitted to the XXXX ( workers comp insurance company ) back in XXXX. They somehow managed to mishandle that payment and I then received a collection notice in XXXX. I finally got ahold of XXXX and they apologized and promised to take care of it. After an entire year of trying to get this resolved XXXX swears the check is in the bank to the department of treasury as of monday. I submitted a dispute to Equifax showing that this was a workers comp bill and i was not responsible for this bill XXXX was. I also submitted copies of the emails back and forth from the military hospital and XXXX from XXXX, stating from XXXX they would handle the bill. I also sent Equifax copies of the emails from the last year showing XXXX apologizing for the mistake and promising to fix immediatley to prevent credit report damage. 
equifax then did thier investigation and said that department of the treasury verified the collection and they would not remove the negative information. Even though they have and acknowledged that this is a workers comp debt and they have the documentation showing the insurance was responsible. Equifax , after an hour on the phone even said that even though i sent them proof that i was not responsible for the debt, they will not remove the negative information because the " creditor says it is valid ''.
Consumer complaint received 2016-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (CA)

We have a mortgage with M & T Bank for our property located on XXXX XXXX XXXX in XXXX XXXX, California. I send monthly mortgage payments thru online banking with XXXX XXXX XXXX. The XXXX remits payments within the first 3 days of every month. However, M & T Bank keeps sending statements with late charges. I called M & T Bank in XXXX XXXX, and asked about late charge. According to the customer service person, the payment for XXXX, XXXX was late. They give only 10 days grace period. So I sent them the complete payments record for the last 6 months. Non of those payments were late. 
So they remove penalty in XXXX payment, but then added new penalty in XXXX XXXX statement. My wife called M & T Bank and the person on phone XXXX XXXX XXXX said he needs records for the XXXX XXXX and XXXX XXXX payments. Attached you will find copies of those records from the XXXX XXXX XXXX. I already sent these records to M & T Bank by fax, but they have n't removed the penalty yet!
Consumer complaint received 2015-04-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XXXX XXXX, XX/XX/2015, I refinanced my home loan with Bank of America. The proceeds for the refinance were wired and the payoff was processed. On the payoff statement, Bank of America advised they would refund any applicable escrow proceeds within 30 days. When I received my overage, it was far less than I anticipated by roughly {$400.00}. Over the span of 3 weeks, I spoke with XXXX people at Bank of America who assured me my proceeds would be refunded to me. The explanations varied from my loan being packaged to be sold which required B of A to over-pay my escrow to a timing of my payoff. It makes no sense why the explanation varied but at the end of the day, I 'm owed a refund. As of today, Bank of America has not only failed to send me my money but waited until XXXX/XXXXXX/XX/2015 to advise that my loan was paid in full. According to HUD, they advised I 'm not entitled to a refund due to the timing of the loan termination paper work. I wish to fill a complaint due to Bank of America 's willful intentions to withhold my money.
Consumer complaint received 2016-01-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Consumers Inc (IL)

I never answered the call, but I 've recieved an automated message saying " We have an important message from a United Consumers. This is a call from a debt collector. Please call us back at XXXX XXXX XXXX or at XXXX XXXX XXXX. I do not pay any bills as I do not have my own house or any bills addressed to me, therefore I do not have any debt.
Consumer complaint received 2016-01-27
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I am a victim of identity theft. Had a crazy ex that stole my personal information. She took the information and opened XXXX different credit cards. She then set up a XXXX XXXX and had the information sent to the XXXX XXXX so I never saw bills or statements. I was working XXXX during this period and she would go and cook dinner and clean up the house which gave her access to my checkbook where she simply took my checkbook and called and made payments. I stupidly did n't open my statements each month. I instead filed them away unopened until the end of the year and then I would pull them out and organize them for taxes. This is when I found out what she had been doing with the cards and checking account. I immediately called her and then I called the police department and filed charges against her. I also found out that she was MARRIED to someone XXXX. XXXX I contacted him and learned she had done the same to him and the one before him. She fled XXXX when I told her I took out warrants for her arrest XXXX.
Consumer complaint received 2015-04-27
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America changed my credit card number. XXXX issued a credit under my old number but never posted to my account. BOA tells me that they can see the credit under the old account number but because of recent changes to their software platform it has not posted under my new account. This credit was issued over a XXXX ago. I have talked to their Customize Service and Electronic Transactions departments several times without any success.
Consumer complaint received 2016-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPS has insisted XXXX in their response to my last complaint and in correspondence that XXXX XXXX does not allow loan modifications. However, when SPS sends me forms to fill out, they use forms that are copies of the government forms used to evaluate individuals for loan modifications. Secondly, SPS states very clearly that they participate in XXXX and XXXX programs. This contradicts their prior statement directly and means that they have been wasting my time. XXXX and I qualify for Loan Modification based upon her XXXX and our subsequent loss of income. I have supplied paperwork to illustrate this fact. I will submit a complaint against XXXX XXXX separately.
Consumer complaint received 2016-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NE)

I recently got my credit report which showed my credit scores. XXXX and Experian 's have gone down XXXX points. I have been trying desperately to reestablish credit since a medical bk and foreclosure as I know how important good credit is. I have over the past 3 yrs purchased a home & opened up credit cards, paying them off immediately. I recently refinanced my home & bought a new car. I shopped around & it is my understanding that I could shop around for 30 days & those inquiries which were for the same thing & done within 30 days of each would only count ONLY as XXXX. Apparently this is not happened according to XXXX. I have several refi inquiries & also auto inquiries which I do not believe has been fed properly to XXXX who is determining my credit score. I need to get this straightened out so that my score can improve. The credit reporting agencies say I can not dispute a Inquiry. They say I must contact the company on the report ; find out who made the inquiry ; contact them and either ask them to remove it if it were in error or if it was not authorized by me. I have done this with several. Please note XXXX had pulled my credit on XXXX & XXXX /out my permission They say they will remove same. Others say they ca n't do it..So I am at a loss at what do do as each XXXX is XXXX points and is adversely affecting my credit Note : 1 ) XXXX pulled for XXXX Mortgage XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX for refi within 30 days 2 ) XXXX pulled for XXXX Mtg XXXX/XXXX/XXXX & XXXX/XXXX/XXXX within 30 days 3 ) XXXX pulled for XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX Store XXXX/XXXX/XXXX for auto loan -- XXXX XXXX had pulled it as well on XXXX/XXXX/XXXX all within 30 days ; XXXX Bank which is NOW XXXX Bank had several different inquiries : XXXX Bank had XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX pull it XXXX on XXXX/XXXX/XXXX which seems crazy to have it pulled twice on the same day!!! I just spoke to them They are writing a letter to credit bureaus to have them removed as they did NOT have my authorization to do so after checking their records. 
I am frustrated because I ca n't dispute these with credit reporting agencies, many of the companies I call do n't want to remove them ; I ca n't get help from XXXX who is the ones that report the scores ; and I ca n't get help from the reporting agencies who feed the info to XXXX -- YET my credit is getting damaged and there is no one to turn to. Please research this let me know how to best proceed and if in fact some of these can be deleted.
Consumer complaint received 2016-01-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: State Collection Service, Inc. (GA)

On XXXX XXXX, 2015 my husband was treated by XXXX XXXX, this provider is a PPO provider with our insurance and they paid everything except for {$120.00} which I paid by check to XXXX XXXX and clearly stated the payment was for services rendered to XXXX on XXXX/XXXX/15. My check cleared XXXX on XXXX/XXXX/15. On XXXX/XXXX/15 I received notice from XXXX that we owed {$61.00} & {$26.00} for these same services and when I tried numerous times to talk to XXXX XXXX with XXXX to explain this had been paid and send a copy of the cleared check, he advised they sometimes take the money and place it in different accounts but could not tell me why or where the money went. He then referred the matter to State Collection and they continue to write me repeatedly for the same services I have already paid to the XXXX and neither the collection agent or XXXX will provide a complete itemized bill showing where the funds went and what if any other charges we owe. I have spent hours on this and have incurred severe emotion upset because of this. I feel they have fraudulently taken my money and continue to ask me to pay the same charges. XXXX also stated they may have taken some of the XXXX money and put it on my charges, however, XXXX and I both have deductibles and I met my out of pocket this year so I have no way of knowing what was paid or where my money went. All I know is that I paid the full amount to the ENT that they are repeatedly requesting and they refuse to resubmit it for review to my insurance carrier which is required by their PPO contract with my insurance company if we owe additional money that the insurance company has not reviewed. At this point I have invested hours in emails, letters, research and discovery and have advised them I am charging them {$45.00} an hour for all the time I spend on this as well as mail, copying, research etc. Today just in my time alone they owe me over {$630.00}. Please help, I cant continue this. I have XXXX XXXX XXXX and we pay our bills I can not have this continue. 
Thank you so much XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX
Consumer complaint received 2016-01-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC (OH)

ALLIED INTERSTATE LLC COLLECTION AGENCY REPORTING INACCURATE INFORMATION TO MAJIOR CREDIT REPORTING AGENCY HOW ARE THEY VALDATING THIS INFORMATION? THIS IS NOT MINE THANK YOU
Consumer complaint received 2016-01-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (WA)

Loan is with Ocwen and seller is in pre-foreclosure, has NEVER asked for a postponement of the sale until recently once seller understood how a short sale would help them avoid foreclosure. Seller was told by Option One, back in XXXX that there was " Nothing they could do for them and to GET OUT '' of the house. They were told it would foreclose in XXXX XXXX. The house has sat vacant for years now, and seller never knew the bank did n't foreclose on them, until I reached out to let them know. After learning their story, i believe they deserve a break and would love to see them get a short sale approved. Today, Ocwen basically confirmed foreclosure is XXXX and that they did not have enough time to review the option and closed out the short sale review. We sent the proposal to Ocwen on XXXX/XXXX/XXXX, and are asking for postponement of the sale in order to get short sale reviewed. There is a cash offer on the table. Again, the seller has never asked for a postponement, this is the first time and Ocwen is saying no.