davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-07
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

First let me mention we have been using Bank of America credit cards for ten years and have never missed or been late with a payment. Recently we were offered new cash back cards. I cards in the mail arrived promptly as well as an email telling me that the was a {$6500.00} made to the XXXX in Arizonan, I contacted the fraud department, they investigated and canceled the new cards, When I new I was getting new cards I paid off the original old card {$2600.00}. I checked my statement online and found they had taken the payment out of my checking account twice, They said the would reverse the double payment and return the amount off {$2600.00} ASAP. This left us with {$410.00} in checking to pay our monthly bills. Note were on Social Security with small pensions. 
We contacted BOA several time going for teller to manager to department heads. We were told over and over again that it would take 5 to 7 business days to return the money to our account. I asked the managers at BOA if they were going to be responsible for any late charges because they had drained my checking account by withdrawing, they said no. 
I am very disappointed with BOA, they made the mistake and we have to suffer for it. 
What can I do to get my money back before it effects my other financial commitments?
Consumer complaint received 2016-01-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amity Associates LLC (NJ)

To whom it may concern, My name is XXXX XXXX, it seems that I have an open debt collection with Amity Associates in New Jersey. This seems to be due to an amount of money that I owe to a former dentist of mine from 6 years ago. I have just checked what the status of this debt is, and it is open currently. I would like to know why they have this account open and have not made any effort to contact me regarding this issue these past years. My goal is to have a reliable credit score, however this debt collector has a negative impact on my credit score. I would like to settle this situation. Thank you.
Consumer complaint received 2016-03-24
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have disputed a XXXX XXXX account and requested validation but only a statement which I can not used to validate. Please help assist with obtaining the initial signed contract and more details on the charges on this account so I can research this claim.
Consumer complaint received 2016-02-23
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (GA)

I have had a line of credit with specialized loan servicing for many years and have never had any issues and have always paid on time. I was offered a modification with them several years ago after the XXXX shock and agreed to it. The mod is fixed 4 % interest only for the remainder of life of the line of credit. Two months ago I noticed that the payment increased and discovered their system of record reflects 4.25 % instead of the 4 %. Several calls in the last six weeks while waiting on a research ticket to be resolved to remedy this situation has gone ignored. Their executive office halted the continued montly ACH from my savings account and now I am having to call in payments due to non-corrective action on their part. According to the executive office, they do not know why their computer is not correcting the rate back to 4 %. We are making ( estimated ) payments now based on previous years payments based on the respective month. The fact that a mortgage servicing company can not explain, nor correct something as critical as the interest rate is egregious. Please help me!
Consumer complaint received 2016-03-23
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (IN)

I scheduled a payment of {$1000.00} dollars using my XXXX XXXX Account, to Pay my Citi Credit Card. I scheduled the payment on XXXX XXXX, 2016, and my XXXX XXXX Account shows the payment was processed on XXXX XXXX, 2016. My Citi Credit Card has not ever shown the credit to the account. I have filed disputes with both XXXX and Citi. XXXX keeps telling me to provide their Confirmation #, Citi says that number is not correct, and that they need a XXXX digit Tracer number, XXXX says that they do not have a XXXX digit tracer number.
Consumer complaint received 2024-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (KS)

Mr Cooper manages our escrow account for paying home owners insurance. The payment was due XX/XX/XXXX, and it is now XX/XX/XXXX and the payment is still not received. Our insurance company says they have not received the payment, and Mr Cooper says the payment was mailed in a lump sum check for multiple policies through the XXXXXXXX XXXX XXXX. Our insurance company gave us a courtesy extension which expires on XX/XX/XXXX. If the payment is not received by then, we either have to pay the full premium out of pocket and then wait for the payment Mr Cooper has said they have mailed twice to show up and then get refunded from the insurance company. Mr Cooper is not keeping their end of the bargain by ensuring payments are received on time. XXXX ) if mr Cooper is snailmailing payments, then there would be no tracking number. XXXX ) Insurance companies, who are quite eager to drop consumers at every possible opportunity, could just say " we didn't get the check '' and hope that people can't afford to pay the full premium out of pocket while the mortgage company and the insurance company haggle over of when or how a payment was made. Meanwhile, the consumer is left LITERALLY holding the bag. XXXX ) if Mortgage companies can opt to send lump sum payments covering multiple policies, then they should be required by CFPB to send such payments with a tracking number. This then ensures that neither the insurance company nor the mortgage company can claim to have sent a check or claim to have not received a check. This is all unacceptable, and consumers are being gouged at every possible turn from interest rates, insurace droppages and so much more. I for XXXX am XXXX XXXX XXXX of the large corporations XXXX  over consumers. This has got to stop. Mr Cooper should not be allowed to do these practices. I am filing a formal complaint because I have no proof thay they sent the payment.
Consumer complaint received 2015-04-23
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I obtained an automobile loan from USAA. During the telephone conversation to apply for the loan I was offered an extended vehicle protection plan which I purchased with non-loan funds held in a DDA account at USAA. The funds for the EVP were deducted from my DDA account on XXXX/XXXX/2015 the day I picked up the car. I had changed from one dealership to another, and from one car model to another and as such I called USAA to notify them of the new information and seek a new price on the EVP as I selected a different model vehicle than I had described during my first telephone call to obtain the loan. 

The EVP proved unacceptable for many reasons and I rejected it for a refund during the preview period during which the customer may review the documents. 

The vehicle loan was established using a check-like form presented to the vehicle dealer. The bank accepted the form from the dealer and funded the loan. The bank added as second ( with a different policy number ) EVP to the loan principal and obtained state doc stamps for the entire proceeds of the loan including this unwanted second EVP. 

Telephone conversations with USAA have proved fruitless. I have asked them to remove the second EVP they added ( they may contact the vendor of the EVP to rectify their error ), correct the loan amount and correct the doc stamps. They have failed to do so putting the onus on my to reach out to the vendor of the XXXX EVP and cancel it on their behalf. This would leave the doc stamp difference unresolved. 

USAA as an agent for the EVP has made misrepresentations to induce me to purchase the EVP. USAA failed to assist in obtaining a refund for the initial EVP. As it was purchased based on the EVP 's agent 's ( USAA ) incorrect plan description I felt it incumbent on USAA bank to assist in recouping the funds debited from my account at USAA. 

USAA improperly and without authorization added an unwanted product to a consumer loan in violation of the law. When notified USAA took no timely or definitive steps to remedy their error. Rather they insist the customer untangle the mess they have made. The number of errors, misrepresentations and the stonewalling by USAA customer service lead me to hold the opinion that this is not simple errors but a pattern of incompetence, a breach of fiduciary duty, and perhaps even fraud and I encourage the CPFB to investigate and take enforcement action.
Consumer complaint received 2016-03-23
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rushmore Service Center, LLC (SD)

I set up re-occuring payments, the debt collector agreed to the amount I could pay. I previously had payments set up on hold with them, my debt with them increased in amount so I called back and set up a larger amount bi-weekly. The debt collector said they canceled my old payments on hold, Instead they ran XXXX payments thru my checking account. The old amount & the new amount, resulting in double payments being drafted thru my checking account without my consent.
Consumer complaint received 2024-10-01
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

Starting XX/XX/year> ; I charged a line of credit to my Synchrony Bank Care Credit Account. As Synchrony Bank was experiencing difficulties accepting payments using a XXXX directly to my Synchrony account ; I was making payments using my bank to Synchrony Bank via bank checks with my account number listed on the checks, to post to my Synchrony Bank account. Each month from XX/XX/XXXX through XX/XX/XXXX ; I would submit my payments by bank check to Synchrony Bank ; and each month I would get a notice or call from Synchrony Bank stating that I had not made a payment to my account. This is causing late fees to my Synchrony account ; and it is damaging my personal credit. As of XX/XX/XXXX ; I received a phone call stating that they had not received my last XXXX payments to my Synchrony Account. On or about XX/XX/XXXX ; while speaking to a Customer Service Representative ; I had stated that it would be good if Synchrony Bank would accept a bank XXXX for payment ; which the representative said they could. I then attempted to use my bank XXXX to process a payment to my Synchrony account ; and Synchrony Bank declined the payment, even though more than sufficient funds were available for the payment. Since XX/XX/year> through XX/XX/year> ; I have had to file financial disputes with Synchrony Bank inquiring as to why my payments are not being posted to my account. However, I have never received a response from Synchrony Bank stating where my payments are being applied to ; or what steps Synchrony Bank is doing to resolve this problem. As of today ; I was informed that my Synchrony Bank account is still delinquent, XXXX weeks after I submitted my last dispute with their company. I have yet to get a response from Synchrony Bank as to any resolution.
Consumer complaint received 2015-11-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (VA)

We sold our home and closed out our mortgage with US Bank. There was an overlap in autopayment and a balance left, which US Bank says to have sent via check. The check was not received. US Bank stated we had to wait 30 days until they would reissue the check. They then charged me {$15.00} to reissue a check which i never received. Even after discussing this with XXXX levels of management, and promised an overnight deliver with signature, i have yet to receive the check. I 've been on hold for XXXX minutes so far, as I wait and fill out this form.
Consumer complaint received 2015-07-24
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (FL)

We had a lease with Ally Bank on a XX/XX/XXXX car. Beginning XX/XX/XXXX ended XXXX. The buy out on the contract was {$19000.00}. Per the bank the car XXXX is valued at {$28000.00}. When we tried to use the equity in the car for trade in on a new car. Ally told the dealer for them to take the car for trade they would have to pay $ XXXX..Becouse of that we could not use our equity in the purchase of a new car. Causing us financial damages.
Consumer complaint received 2016-03-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (NJ)

PNC XXXX XXXX branch is billing me for a safe deposit box owned by my deceased mother. 
I am not the executor of the account and I was not one of the cosigners when she passed. 
They added my name to a document they sent to my local branch. Next to my name is the address of my brother, XXXX XXXX, who was the executor, POA, and cosigner for the XXXX. 
My signature is not anywhere on the documents they sent., nor is my address. 
They added my name to documents without my consent. 
XXXX XXXX is bank manager whom I consider negligent and did not perform due diligence with this account, Initially told me I needed to provide a death certificate, even though they had on their files that she was deceased
Consumer complaint received 2016-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have items on my credit report that are NOT mine and I would like them taken off! One of them is a Vet for a animal that is not mine! I do NOT own a dog but this XXXX vet says I owe them over {$2000.00} for something that is n't mine. Also there are medical bills on my credit for places I have not been or even went to a doctor for these issues! I just want them removed off my credit so I can be done with this misinformation!
Consumer complaint received 2016-01-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (GA)

Owen took my mortgage from GMAC when they did they took all the supposed late payments from them and and added it to the new transaction. I went through the Unemployment while that went on for 5 to 6 months. In at this point I went through a Loan Modification and that is when XXXX took over and I was never late with GMAC not XXXX time. I did n't know it would affect my mortgage history. I was never late with my payments. Not to GMAC or XXXX.How can they do this saying I was late? I had XXXX before and had trouble with them before and thank the good guy GMAC to it over. Being that late do n't you thing I would have lost my house I am still at the same address. XXXX I was diagnose with XXXX XXXX and went through many surgery 's and that is why I got help from GMAC.
Consumer complaint received 2016-03-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (LA)

An old civil judgment has been satisfied. I sent the " Removal of Recording '' to the bureau to have the posting removed. Equifax declined stating they need an " Expunction '' statement from a local judge to remove. In Louisiana, expunctions are completed for XXXX Judgments. I explained there is no civil expunction process in place ; furthermore, I was told by the courts that the Removal of Recording statement from the attorney/client was sufficient to have it removed. The Equifax still refuses and is asking for something that can not be produced. Basically, there is nothing they will do to remove the old judgment from my credit report. The Civil Judgment docket number is XXXX.
Consumer complaint received 2016-02-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Back in XXXX, my former husband and I purchased a house together. At some point, the mortgage was transferred to Bank of America. In XXXX, we went through a non-contested divorce, and he agreed and the court confirmed that he would assume responsibility for the mortgage. At the time of the divorce, I contacted Bank of America and requested separation paperwork which I filled out, signed and submitted. Evidently, my former husband did not fill out his portion of the paperwork. I followed up with him and was made to understand that my name was off the mortgage. A few months ago, I signed up for online banking through Bank of America, because my XXXX rewards card had been transferred to them. I discovered the mortgage was still listed in my name as well as his. I contacted my former husband and he told me he was working on refinancing the house. I also called the mortgage division of Bank of America and asked what I needed to do to get my name of the mortgage. I was treated in a very rude and condescending way. The representative said, " I do n't care what the court says. It does n't matter ... .You are responsible for the loan! '' My ex-husband assured me that the refinancing process was underway. Then a few days ago, I received an email from Bank of America indicating that I was in danger of defaulting on the loan and threatening that my credit rating was in danger. I again contacted Bank of America and explained the situation. While this representative was a bit kinder, she again said that it was up to me to cover the loan or that the activity would be turned over to the credit agencies. I contacted my ex-husband and it turned out that as part of the refinancing process ... two payments had been made on the final mortgage payment to Bank of America and they had applied both to the principal instead of to the payment. So it was their own mistake which resulted in the call and the contact. Their choices resulted in a huge degree of stress and fear for me. And they blamed me for it. Fortunately, the refinancing is complete and the account will be closed in two days. But their insensitivity and lack of coordination resulted in a great deal of anxiety for me. I pity former spouses who do not have good relationships with their ex husbands and ex wives. I 'm not sure why court orders do not apply to financial institutions or what measures divorced people must go to to enforce those decisions, but I am very unhappy with the way I was treated by Bank of America.
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (NY)

I met with a coach via online XXXX  in XX/XX/year>. He offered XXXX months of coaching for the cost of {$2500.00}. This was to be paid up front. I had no prior experience with XXXX, but he guaranteed that if I am disatisified in any way, i would be entitled to a full refund. 
Evidence of this guarantee is also posted on his website- see attachmenXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
2. I started the program on XX/XX/XXXX and within one week I saw that the coach he assigned to me what not a good fit and I immediately expressed to XXXX my dissatisfaction and asked that we discontinue and honor the money back guarantee. My notification to XXXX is evidenced by the second attachment - a screen shot of my XXXX  message directly to XXXX XXXX. 
See attachment titled notification. 
3. As you can see by the evidence furnished by XXXX in his attempt to fight this dispute, he shows how his app was link to me starting XX/XX/XXXX, but by XX/XX/XXXX i had disconnected and you can see where i circled that there is not longer any workouts assigned from that day forward nor any link to my calories consumed. 
So this is his own paperwork showing that he no longer provided any service from XX/XX/XXXX onward. 
See attachment titled No Longer a Client. 
4. Based on the fact that this was a guaranteed service, i asked that that be honored. 
In addition, based on the fact that no service was rendered after XX/XX/XXXX, a refund should be honored. Based on the fact that he no longer responds to any of my contact attempts, he can not actually provide the service that i am being asked to pay for, and as a result a refund should be honored. 
I did not receive a coaching service and therefore should not be asked to pay for something i did not receive.
Consumer complaint received 2015-11-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (KY)

XXXX/ ERC : I was lied to as to the total cost of their services from day one. As their bills continued at a rate above what i had agreed to. I tried to discontinue service. I believe it took between 3 and 4 months for service to be turned off. finally they turned it off after i called and threatened law suit. 
I would like to see any and all agreements that i signed where i agreed to pay them this or or any amount of money. 

XXXX XXXX
Consumer complaint received 2015-07-07
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

The company FIA card services which is a subsidiary of Bank of America filed a default judgment against me for credit card debt accrued by defunct company MBNA XXXX on XXXX/XXXX/XXXX. 

I applied for and maintained a business credit card with MBNA on XXXX before the company went out of business. The debt was accrued during the year XXXX. Bank of America acquired MBNA in XXXX and this arm became FIA card services that same year. Since my debt was initiated and established during the existence of MBNA and NOT after the acquisition period, this default judgment is a direct violation of the FCRA, as FIA is attempting to collect a debt of the defunct company MBNA XXXX.
Consumer complaint received 2024-10-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (TN)

We did a modification with Mr. Cooper, and we paid them as agreed. Our mortgage payments have increased, and they didn't delete the late fees. They stated that they made a mistake and that it was not our fault we signed a contract, so they added on these extra fees that make us look like we are {$1900.00} behind on our house. Our credit has been hurt tremendously. Our balance on our home is {$81000.00} but our payoff is around {$130000.00} because they added on some more fees after our bankruptcy in XXXX. We don't understand where these fees came from we hadn't missed a payment on the bankruptcy either. It was automatically taken out of my husband 's check. We have tried to get help from different attorneys in our area, but no one can help I have all the paperwork from before the bankruptcy until now. This isn't right we have done what we were asked to do and even made double payments to take care of the fees and were advised that that was just added on as another house payment. We need help