davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

My husband and I paid off our personal line of credit with B 0f A in XX/XX/XXXX, and were told that a formal release, giving us clear title to our property would be issued in 30-90 days. The pay-off date was XX/XX/2015. Today I called regarding the document and was first told that I had to contact my County for that document. When I said I had already queried them, I was then told the paperwork had not bee processed until XX/XX/2015 and it would be another 30-90 days until B 0f A sent the paperwork to my County. When I pointed out that it had already been 30 days since their processing, I was told it could be up to another 90 days before we received the release and clear title to our property. This is not acceptable business practice, I know that B 0f A would not wait 120 days for any documents or money that was due to them.
Consumer complaint received 2016-01-05
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have tried NUMEROUS times to modify my home mortgage loan with Bank of America. After my home loan conception with Countywide, BOA did in fact start my home loan modification and it took it over 3 years and now they are CONSISTENTLY requesting documents I 've sent them MULTIPLE X MULTIPLE TIMES!!! They continue to say I 've filled them out incorrectly, specifically my XXXX ... but I know I 've filled it out CORRECTLY. They finally sent out a Representative many times to collect and notarize the document that " they filled out, I signed and they took with them to turn in '', each time I was promised it was correct. To turn around ... BOA says it 's incorrect!!! What do I do?? BOA is about to foreclose on my home come XXXX, XXXX, 2016 and wo n't work with me, offer help or clarify what they need. When they tell me what they need, I submit, then " my case worker '' calls me rudely every time and asks me for them same thing again every time!! I FEEL THEY ARE PROCRASTINATING WAITING FOR ME TO FAIL AND FORECLOSE! What do I do to help me and save my home? Something 's WRONG HERE. Please, Please, Please HELP!!!!
Consumer complaint received 2015-11-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I bank with Capital One 360. I reported bank fraud XX/XX/XXXX for something that happened XX/XX/XXXX It was still pending and the bank said they could not do anything until it went through. On the next day I did the dispute. They will not refund the money until after the investigation and they get more information proving that I did not authorize the transaction. It could take some 90 days. I have to provide proof of fraud. I do not understand how a bank that is FDIC insured is making we wait to receive my money back. The day I reported the fraud should have counted as day one no matter what. Banks refund customers and not wait until a full investigation that could take 90 days to complete and 2 days to tell you they are investigating.
Consumer complaint received 2015-12-14
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (AZ)

I purchased a a car from XXXX XXXX. in XXXX. I have had several problems with it the first 3 months. I went to the salesman in XXXX 2015 and told him I wanted to look into a different car he asked how much I still owed and I roughly told him. He tried to call the bank but no answer, so he ran a credit check again I did n't sign anything and now I have XXXX marks on my credit report from the same company. On top of all that he could n't get me into a different car. He should have done a soft inquiry not a hard one that will effect me for 2 years.
Consumer complaint received 2015-12-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Source Receivables Management LLC (AZ)

I moved out of an apartment but the gas bill was not transferred correctly to the new tenant. As I had moved out of state, I received no bill for the months that the service was being billed incorrectly to me. I had no idea that the mistake had occurred for over a year, when I received a call from Source Receivables credit agency notifying me that they were attempting to collect a debt. I initially spoke with XXXX ( employee ID unknown ), who told me that if I paid in full that day the issue would not impact my credit, but that if I chose to wait and dispute the claim with the gas company it might negatively impact my credit. I chose to pay the claim in full to avoid potential consequences to my credit. I left the call feeling as though this was a positive encounter. 

A few months later, I came to learn that the claim was still showing up on my credit report despite my having paid it in full, and that it was negatively impacting my middle credit score. This was surprising to me, as I had been told by Source Receivables staff that the claim would have no impact on my credit if paid in full that day. At the urging of a financial adviser, I called company and asked them to remove the record as the account had been paid in full. The original person I spoke with, XXXX, transferred me to her supervisor, XXXX ( Employee ID # XXXX ). XXXX was extremely rude and aggressive on the phone and told me that he would not remove the claim under any circumstances. When I asked for more information about what would be needed to have this record removed, he would not provide me with more information. When I asked to speak with his supervisor, XXXX refused. When I inquired about the company 's grievance process, XXXX refused to provide information about this process. 

I feel as though was lied to by Source Receivables staff about how this information would impact my credit, and then was denied access to critical information about how to file a grievance against lying, rude, and aggressive employees.
Consumer complaint received 2016-01-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this complaint because Transunion has ignored my request to provide me with documents that their company has on file that was used to verify the accounts i disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " Promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank You
Consumer complaint received 2015-12-15
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (PA)

I had a XXXX XXXX XXXX on lease with GM Financial ( GMF ). I traded in the car on XXXX XXXX, XXXX. The new car dealer bought out the lease from GMF. However, between the time we negotiated the deal ( XXXX ) and the date the deal was completed ( XXXX ), I made another lease payment ( XXXX ) of {$250.00} which was automatically deducted from my checking account. The dealer told me that the leasing company would refund the over-payment. The lease was fully resolved by GMF on XXXX, as the dealer paid off the remaining balance. It is now XXXX, and after XXXX phone calls and XXXX e-mails, my over-payment is still unresolved.
Consumer complaint received 2016-02-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Meridian Financial Services, Inc. (AZ)

meridian financial is trying to collect a debt for maintenance fees they are saying are from XXXX XXXX XXXX club which was discharged in chapter XXXX no asset bankruptcy XXXX/XXXX/13. Because thus was a no asset Chapter XXXX, I was released of all debts and obligations under the " XXXX XXXX '' ruling by the supreme court. they are saying they are for maintenance fees after the backruptcy however I was relieved of the obligation of the membership with the discharge of chapter XXXX.
Consumer complaint received 2016-02-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Siwell Inc (FL)

Since we began receiving mortgage statements our servicer had our account listed as convention, though we in fact have an FHA loan. We have called many times in the last three years to remind them that we have an FHA loan and to be sure that they ahve been making our FHA MIP payments. 

At the end of XXXX I spoke with XXXX at ext. XXXX who stated that their system was not updating FHA MIP due dates as the payments were being made and first analysis ( XXXX/XXXX/XXXX ) reflected an escrow negative over {$900.00}. She double checked payments and dates, found the error and re-ran analysis which then reflected a surplus. I asked her to re-analyze the account because I did not want her to refund escrow money that was for MIP payments. We were assured that the FHA premiums were being paid and in XXXX XXXX we received an escrow refund check. 

When we recently received our XXXX statement for XXXX it showed no FHA premium payments. We contacted our servicer who researched the account and stated that they had made the payments to FHA for our account for the last three years. I explained that a year earlier I was assured that the payments were made and even received an escrow refund. I was told that the escrow refund would not have anything to do with our FHA MIP because the payments were being taking by the lender but that they had failed to remit those payments and that this error would not affect our escrow balance. The servicer said that we would receive a revised XXXX statement that would reflect three years of premium payments because they had not reported those payments on the prior years ' statements. Today I received XXXX substitute XXXX statements. The first showed MIP {$2500.00} and XXXX XXXX escrow balance of & XXXX. I called to find out why the amount was low and was told that they may only be able to show one years worth of premiums on the statement and that they would get back to me. I then received by email another revised XXXX showing MIP {$7300.00} and XXXX XXXX escrow balance of {$71.00}. I emailed back concerned with the fact that now, in XXXX XXXX, they have changed my 2015 year end escrow balance and now I am missing {$4700.00}. 

I had been assured on more than one occasion that our account was correct. I was told that their error would not affect our escrow account. Now I can not trust their accounting and am concerned that I have no way of ensuring proper application of our funds. FHA has confirmed that our account was not past due yet my servicer says that as of today they still had not paid all of the premiums due. I can not believe what they tell me.
Consumer complaint received 2015-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I had a XXXX credit card that I was unable to make payments on, and it was charged off back in 2008. In XXXX of this year, I started receiving phone calls from XXXX XXXX, a debt purchaser. I contacted a lawyer, who informed me that the statute of limitations had expired and that I could no longer be sued or pursued for the outstanding balance. The phone calls continued, and they became more and more threatening ; and calls were also made to some of my family members. I again contacted the lawyer, and he decided to take my case and initiate an FDCPA suit against this company. During his research, however, he found that there had been numerous judgements against XXXX XXXX, but that they had never made restitution to the plaintiffs. And though he felt that he could win the case, he doubted that he could make any money off of the case and therefore decided not to pursue it any further. Around this time, XXXX XXXX reported a collection activity to TransUnion ; and my credit score was immediately affected. I disputed the item with TransUnion, but all they did was ask XXXX XXXX if it was valid and uphold the charge. I contacted the XXXX XXXX XXXX, but XXXX XXXX failed to respond to the query, so it was closed. ( I did receive a mocking voicemail from XXXX XXXX in response to the XXXX query, however. ) I am now filing a complaint with the CFPB in the hopes that you will recognize that this charge is outdated and that adding it to my credit report is nothing short of criminal. Transunion needs to be held accountable and pay closer attention to who they are accepting credit information from. Please look into and advise.
Consumer complaint received 2016-02-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

In XXXX of 2014 I received a collection letter claiming I owed money for a debt to XXXX. I never banked with XXXX nor did I ever carry a loan of any kind with them. The collection agency and collection account is labeled below. 

Portfolio Recovery - Open Collections - {$6300.00} - XXXX I disputed this debt with Portfolio Recovery on XXXX/XXXX/14 as I have never carried a debt with XXXX. They failed to validate the debt with me according to what is required in the FDCPA. They also failed to report at anytime this debt having been disputed by me. Enclosed you will find copies of my correspondence with them. 

Dated XXXX/XXXX/2014 - This is the request for Validation I sent to Portfolio Recovery Dated XXXX/XXXX/2014 - Having received no response after 30 days this is my letter stating they are in violation of the FDCPA section 809 ( b ) and to immediately remove the listing. 

Dated XXXX/XXXX/2014 - I received this letter from Portfolio Recovery in response to my Validation request. Notice this is Verification Information and not Validation according to the FDCPA section 809 ( b ). They have not proved they are the owners of the debt now and are legally allowed to collect said debt. They have provided none of what was requested in my XXXX/XXXX/14 letter and have not even provided an address ( as required by the FDCPA once again ) of the original creditor. 

Dated XXXX/XXXX/2014 - I sent them a final letter informing them that they were still in violation and I would be filing against them in court to have this removed. This is the last correspondence we have had and the record still appears on my credit report. 

I sent all these correspondences in a detailed dispute letter to each credit bureau and to this day received no response from the credit bureaus and the record still shows on my credit. 

I have all detailed correspondence and mail receipts all saved and just seem to have run into a brick wall.
Consumer complaint received 2015-11-06
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I purchased a XXXX XXXX motorcycle 0n XXXX/XXXX/XXXX. Bank of America provided the financing as before on a previous XXXX purchase which was paid in full after only two years. The scheduled monthly payment was around {$320.00}. I paid however numerous payments of $ XXXX/month and by XXXX of XXXX, my loan was paid down to {$6800.00} from $ XXXX. I was sent overseas but received monthly statements which were forwarded to my neighbor for him to watch over my home and mail. Each B of A statement showed an Amount Due : {$00.00} because I was paid so far in advance. On the XXXX month, I returned home and found a nasty letter from B of A claiming that because I missed XXXX ( XXXX ) payments, They are calling in the loan and my interest rate went from 7.9 % to 29.88 % which tacked on close to {$10000.00} bringing my note to over {$16000.00}. I tried to rectify the problem but when they attempted to repossess the bike from my garage one evening, I was standing there with a shotgun. Needless to say, they failed and I alerted the police to their illegal activities. The collection agency took off and I found out when the XXXX officer came by my home that they had not received a call letting XXXX know they were collecting a debt. B of A is claiming on my XXXX credit reports, different payment dates and number of payments made. XXXX repost shows XXXX payment in XXXX. The other shows all payments made in XXXX. FALSE! The fact is the Charge Off is older than 7 years but B of A is falsifying my credit history and committing Consumer FRAUD! I am going to attach the dispute review so you can see the fraud first hand. 
Please ask B of A to verify ( showing payment proof ) that I made any payment after XXXX of XXXX. There will be a cancelled check as that is the way I paid my bills then. Thank you. 
XXXX XXXX
Consumer complaint received 2015-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (IN)

XXXX XXXX XXXX tried to collect a debt I DO NOT OWE-letter sent to them it is XXXX XXXX tried to collect a debt I DO NOT OWE-letter sent to them is XXXX & XXXX The Collection Firm tried to collect a debt I DO NOT OWE-Letters attached that was sent to themXX/XX/XXXX XXXX is trying to collect a debt I DO NOT OWE-The Debt shows from XXXX has violated the policies established to protect sonsumers!!!!
Consumer complaint received 2016-02-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (IL)

I was a customer of the XXXX XXXX program where they submitted payments to the mortgage company on your behalf in an effort to pay off your mortgage earlier. The program worked great until they were sued. XXXX sent me an email letting me know they had been shut down but they already had my funds and they would make my payment. XXXX never made the payment and before I realized they did n't I was reported 30 days late with Caliber Home Loans. I have tried to dispute the charge but they refuse to remove it from my credit report. They said it is my fault I used a XXXX party company. I have filed XXXX disputes with Caliber home Loans and XXXX disputes with all three credit bureaus. Caliber refuses to remove it despite my good payment history in the past.
Consumer complaint received 2015-11-05
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Bronstein & Weiss Arbitration (IL)

For the past two days I have gotten a call from XXXX from a woman who claims to be named XXXX XXXX who says she is calling from the litigation department XXXX ( maybe Weiss ) Law Offices who says I am under investigation for finances and that they intend to prosecute me in court for damages and compensation. They said they have already filed a citation in court, but that if I call, we can resolve this matter without going any further to avoid any criminal charges. They identify me by name and the county I live in but offer no other information about me nor any information about what this matter is about. I have received this call twice in the past two days, XXXX via voice mail. I have no idea who this is nor can I get any information on the phone number or am I sure this is a real law firm.
Consumer complaint received 2015-09-14
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

The company has been calling me everyday at work and home. All of my debts have been cleared ( paid off ) but this company ca n't seem to get it together. My credit report is free of any collection accounts because I have paid off the accounts I owed. This company is harassing me and when I tell them not to call, they say they will call anyways.
Consumer complaint received 2015-11-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (FL)

We had a mortgage with XXXX and had difficulty paying due to daughters accident, and they offered us to apply for a modification from a phone representative, and said we pre qualified and we sent in all required documentation. And we were advised not to make payments on the file. Around XX/XX/XXXX we called to check status and they advised we were denied, but never got written confirmation, so we contacted an attorney, since they started the foreclosure process. We set up a mediation and attended and come to find out our loan was sold to Caliber, at this point me and the wife were in a separation of marriage, so she wanted to keep the house, we asked them if she could qualify on her own for a modification. She sent in all the required documentation again. This was around XX/XX/XXXX. Up to this point today our attorney still has n't received any written confirmation from the bank, and per law we should have received an acknowledgement letter within a few days confirming such. All she wants to do is keep the house under a modified payment that could be reasonable to her budget. I know some banks even process or approve a Principal Reduction type of modification as well to assist homeowners keep their house. Failing to acknowledge in writing is a direct violation of CFPB regulations. I am writing for assistance for her to keep this home with an affordable monthly payment
Consumer complaint received 2015-12-17
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (IL)

I received a letter XXXX/XXXX/XXXX from the Law Offices of XXXX, XXXX, XXXX, XXXX XXXX stating they represent Midland Funding in a debt I supposedly owe. I responded to their letter within 30 days requesting proof of debt by certified letter. I never heard anything. I sent a second certified letter requesting proof of debt. I still have n't heard anything back from them or received the proof of debt as requested. XX/XX/XXXX, I started the process of refinancing my house. I was informed that I would have a higher interest rate because this debit is on my account and listed as disputed. I have tried contacting Midland Funding. On XX/XX/XXXX I spoke with XXXX. XXXX informed me that no one would be able to comment on my account. I tried to get this issue resolved with no help from Midland Funding LLC or the Law Offices of XXXX, XXXX, XXXX, XXXX XXXX XXXX.
Consumer complaint received 2016-01-26
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CNG FINANCIAL CORPORATION (IA)

The creditor stated there would be no further contact as stated from Case XXXX ; however, I received an email stating they tried taking money out of my account again. I have blocked the company from making charges but I 'm furious they are still wanting to take money out of my account. 
My bank is XXXX in XXXX, IA.