davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (AZ)

The issue here is that I have been wronged by XXXX along with numerous other establishments and their flagrant misrepresentations. The monies paid to this company were taken under false pretenses. In 2014, upon request I paid {$2000.00} dollars to XXXX XXXX, they claimed that I would receive the following services, please refer to the enclosed letter for a summary of the events that occurred. Which to date, I have not received as described per our contractual agreement, which I have enclosed for your review along with incriminating documentation that they are in fact a scam. Disgusted, does not begin to describe my outrage, after further investigation I discovered that this company is in cahoots with several other " online businesses '' that prey on unsuspecting consumers. These career criminals, even go to the extreme of dragging you outside of your 60-120 day grace period to dispute the charge with the Credit Card Company or bank account with guarantees of success and profitable returns. I was advised by the attorney general 's office that there is an extended period of time allotted if the services were not rendered as described per Federal Regulation. Which has brought me here, needless to say I did not get the services I originally purchased. I have been taken advantage of, and need my credit card company to look into remedying this situation. I called my credit card company and spoke with XXXX XXXX I was on the phone for at least an hour ), she mentioned that she could n't open the dispute simply because it goes against company policy and procedure via XXXX and XXXX card, they wo n't look into the matter. This is simply unacceptable, please have them to look into the matter, they are supposed to be on my side! I would like my money refunded without further delay. 

Thank you, XXXX XXXX
Consumer complaint received 2015-09-03
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BOK FINANCIAL CORP (TX)

I applied for a Home Equity Line of Credit through Bank of Texas. I was offered a 3.75 % XXXX Home Equity Line of Credit. After the underwriting department reviewed the loan, the offer changed to 4.25 % for XXXX. The processor and manager stated it was due to my Debt to Income Ratio. I requested to be informed on the calculation which greatly adjusted the terms of the financing and was told it was a proprietary calculation method and could not be disclosed. I have spent one and a half months of my time working with this company to obtain this financing which is greatly delaying the my project. I pulled information from XXXX website on how to calculate income and DTI ratios and have reperformed the calculations to find that my DTI ratio is half what the Bank is stating. Neither the manager or the processor was willing to work with me to correct the situation. They continued to give me reasoning on why it could not be changed. Below is a copy of the email I sent expaining the variances between their calcuation and mine. They refuse to provide me an explanation of the variance. 
My DTI without the Line of Credit I am applying for is 14.58 %. Well under the 40 % requirement for the offer product. 
The product originally offered has been altered due to a miscalculation on my DTI ratio. Attached I have provided an Excel worksheet on my income ( Salary, Bonus, Rental ) and DTI calculations with supporting documentation. I am concerned with XXXX things : Underwriting utilized XXXX. Utilizing XXXX different income calculation methods for my Nationstar Income I show this to be approximately {$1300.00} shortMy base pay is XXXX ( ( XXXX XXXX XXXX ) / XXXX ) = XXXX MoI received an Annual Bonus of XXXX ( XXXX ) = XXXXXXXXTotal Nationstar Monthly Income XXXX = XXXX + XXXX = XXXX XXXX + XXXX + XXXX / XXXX = XXXXXXXXUnderwriting is counting the Bank of Texas mortgage in my DTI although net rental income is being utilized which already accounts for this {$1200.00} paymentAttached is XXXX Form XXXX which describes how to calculate rental income and how to adjust DTI based on the resulting calculationUnder " Step XXXX. Determine the qualifying impact using the result of Step XXXX or Step XXXX. '' you will find the statements below which indicate this payment should not be considered or the result should be considered in DTI calculations : If the combined result of Step XXXX or XXXX is positive, add the positive amount to the borrower 's monthly qualifying income. Because the PITIA expense was included in the calculations above, do not add it to the debt-to-income ( DTI ) ratio. 
If the combined result of Step XXXX or XXXX is negative, include the amount of the loss in the borrower 's monthly expenses when calculating the DTI ratio. 
Using Method A since I have not provided lease agreements I calculated a ( {$14.00} ) Loss. This is the amount that should be substituted for the {$1200.00} payment amount.
Consumer complaint received 2015-08-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I am XXXX military and after transferring from Maryland I could not sell my house due to its decline in value. I also could not refinance because it was considered an investment home. I requested a modification to make the payments more affordable. I showed financial hardship and for a year was given the runaround by ocwen for them to ultimately deny me the modification. Die to flood damage costs by the tenants and the tenants financial hardship, they were unable to make full payments. I was unableTo repair the home, make the mortgage payment and continue to pay the rent in the home my family of XXXX children currently lives in. I wasLate on the ocwen mortgage for a few months, less than three, during summer of 2014 while I was XXXX to the XXXX XXXX. Ocwen finally granted me a modification once I became delinquent on the payments. I have been current on all payments since XXXXOf 2014 yet ocwen continues to show that I 'm making late payments as recent as XXXX of 2014. This is affecting my ability to even rent a home and keep shelter of my families head because landlords are seeing the in accurate reflection. Ocwen has not positively worked to rectify this problem and I need help.
Consumer complaint received 2015-08-03
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A. (NJ)

I attempted to withdraw {$60.00} from a CITI Bank ATM on XXXX/XXXX/15. No money or receipt came out of the machine, but nevertheless my Credit Union account was debited {$60.00}. 

I am trying to resolve my {$60.00} problem with my Credit Union but my concern is that no ATM should be set up to charge an account when no money is dispensed. The functioning of these machines should be examined. I attempted to find someone in CITIBANK to address this but they shunned responsibility, and blamed it on the XXXX store where the machine is located-which is of course ridiculous.
Consumer complaint received 2015-05-10
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX XXXX, 2015, I closed my Capitol One credit card by phone, verbally. I then called them back on XXXX XXXX, 2015, because they were still adding interest onto my closed card card account balance. On XXXX XXXX, 2015, I wrote a letter to Capitol One stating and verifying that my credit card account was closed as of XXXX XXXX, 2015, and to stop all interest rate charges, I had this letter notarized, and I mailed it to Capitol One. I then called them for the last time, asking to be put on a remaining balance ( {$530.00} ) payment arrangement, they said no. So then, I logged into my XXXX online account, and saw that Capitol One had finally posted my remaining balance I owe, ( {$530.00} ) dated XXXX XXXX, 2015 in which I now will make XXXX $ /month payments on my own since they refused to me on the phone concerning a scheduled payment arrangement to pay the ( {$530.00} ) balance I owe. My point here and complaint is, I had to obtain and send a Notarized letter to them, or they would still be adding on interest money making the closed account balance larger which is illegal business practices, in closing, in reflect, I should and will in the future send a notarized letter dispute certified mail and the same letter regular mail ( XXXX ) and I will never ever have any more dealings with Capitol One. People are getting ripped off by these illegal business practices, word of caution, stay away from Capitol One credit card.
Consumer complaint received 2015-07-31
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: POPULAR BANK (AZ)

On XX/XX/XXXX we, XXXX Title Agency notified Popular Mortgage XXXX XXXX of an unreleased lien affecting the title of a home that is for sale. Unfortunately the seller did not get us the information until XX/XX/XXXX. Because the loan dept was already closed that day and inquiry was put in but not " accepted '' until XX/XX/XXXX. We were told on XX/XX/XXXX that we would have a response within 5 business days. I called on XX/XX/XXXX, believing that to be the third business day, but was told that they were n't counting Friday the XXXX. I was told at that time we should have something between 3 to 5 business days. I called back on the XXXX whcih would be the fourth business day based on their calculations. I was again told that nothing has been done, but XXXX whom I was speaking to, was nice enough to put an email out to the specialist assigned to the inquiry number. During this call, I was disconnected, called back and was able to speak directly to XXXX again. 
Today, XX/XX/XXXX, I have called 8 times. I have been hung up on 7 of those 8 times. I have only been lucky enough to get someone on the phone 3 of those times. The first time, I was n't even able to get the girl 's name before she hung up on me. Then I was hung up on by XXXX ( I am not sure of that spelling ) and now I am currently talking to XXXX XXXX also not sure of spelling ). I have asked XXXX to put me through to a supervisor several times and she has refused. She has also refused to give me her supervisors name. She is however telling me that the inquiry was not put in correctly and that I have to start all over and that it takes a minimum of 10 business days to get a response. This is contradictory to everything both my assistant and I have been told for the past week every time we have called. 
The owner of this home closed their line 7 years ago and even has the line of credit closure authorization from XX/XX/XXXX, which I have a copy of. MERS shows this loan as inactive. Yet Popular has never bothered to record a lien release and is now causing XXXX monetary and mental anguish both for the seller 's ( their customer ) and the new buyers who have a moving van set and have no place to live as of Sunday the XXXX. This is to close escrow today! Yet instead of helping me fix THEIR mistake I just keep getting hung up on. XXXX was instructed not to put me on hold, but she just did, which means I will likely be hung up on again, for the XXXX time.
Consumer complaint received 2015-12-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have been receiving calls and collection statements from Portfolio Recovery Associates. I paid this debt in a settlement in XXXX 2015. I have disputed the debt with the credit bureaus but They continue to call me and to collect on the debt.
Consumer complaint received 2015-10-20
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Sierra Holdings LLC (PA)

Sierra Auto Finance has been calling me at my place of employment for over a year now. I was ( without my knowledge or consent ) put down as a reference on a loan by an individual that worked with me briefly. I have contacted the company four times to request that they not call me at my place of employment. They have continued to call looking to get a message to this individual. Today I called in reference to their last call ( XXXX/XXXX/15 ) where their agent left a voice message on my work voice mail. When I called and asked for their corporate address the rep I spoke with, XXXX, refused to disclose this information and instead repeatedly asked for my information which I repeatedly told him he was not going to get. I was then transferred to XXXX, a manager, who disclosed the company address but refused to disclose who the current CEO of the company is. I finally gave my work number and explained the situation and she stated she would add the number to filter so they would n't call again. However this is exactly the same thing I was told last time I had to call this organization XXXX XXXX of 2015 ). I find their unwillingness to disclose publicly available information discourteous at best, and at worst fraudulent and deceptive.
Consumer complaint received 2015-08-03
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: PNC Bank N.A. (OH)

My {$50.00} card expired on XXXX. I found your website and learned that funds remain for up to 5 yrs after the expiration date and fees may not be applied to transfer or return as a check. PNC says that it 's use it or loose it. I have tried to get this resolved but keep getting transferred to someone else. I was able to go online and see that {$32.00} was withdrawn on XXXX as Close Account administrative Adjustment and that today $ XXXX was withdrawn as a transfer fee. This must have been when I called about transferring the balance but a balance was never transferred. This card should still have {$50.00} on it since it has not been used.
Consumer complaint received 2015-05-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (IL)

The company, Enhanced Recovery, reported an XXXX XXXX XXXX bill in XXXX of 2014 without sending a dunning notice. This was a debt that they had previously tried to collect from me years before and was eventually deleted from my credit reports after disputes were not validated on their end. They began reporting to XXXX and XXXX in XXXX of 2014. I disputed through the XXXX and they acknowledged through written message that they did not send a dunning notice because they were unable to reach me on a cell phone number they had listed as my contact. So as of last week ( XXXX XXXX ) they sent the dunning notice-5 months AFTER they began reporting this on my credit reports. I was not given the chance to dispute before this was marked as a derogatory item on my report and sending the notice now is a clear violation. I want this debt removed from my credit reports as it is being reported incorrectly and collected in violation.
Consumer complaint received 2015-09-03
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MD)

We had a mortgage with XXXX that was discharged in chapter XXXX bankruptcy 4 years ago. 
Another company purchased the " loan '' and has continued to bill us for back payments. 
It clearly states on the bills sent to us that if the property was discharged in bankruptcy disregard the bill. 
The company is SETERUS. 
I have called and told them the debt was discharged. But the bills continue to come. 
This is unfairly affecting our credit score. We are trying to rebuild our credit. We both work hard and have good jobs.
Consumer complaint received 2015-09-03
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WI)

Our Mortgage was sold to Carrington Mortgage services by XXXX XXXX XXXX, They immediately raised our Escrow amount to " build a Buffer ''. Our Escrow has never been short in the 5 years we have had the loan. It is impossible to contact customer service and their payment information on line is horrible.
Consumer complaint received 2015-09-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pressler & Pressler, LLP (NJ)

Pressler & Pressler , LLP said : Explanation of closureDear XXXX XXXX XXXX : Your complaint involves a bill for medical services placed in this office for representation by XXXX XXXX XXXX of XXXX XXXX, XXXX. On XXXX XXXX, 2015, this office sent both you and your wife a Fair Debt Collection Practices Act ( FDCPA ) letter pursuant to federal law allowing either of you the opportunity to request verification of the debt. Your initial request for verification was received on XXXX XXXX and this office responded by way of letter dated XXXX XXXX. On XXXX XXXX, 2015, this office received correspondence from your wife indicating that the debt was still disputed as it was believed some payments you had sent to XXXX XXXX XXXX were not properly credited to your account. This office responded by way of letter dated XXXX XXXX and invited you to bring to our attention specific payments which you believe had not been credited to your account. Thereafter, your wife responded with a ledger showing payments made directly to our client and a letter indicating she still did not believe the debt was verified. This office sent you a third response on XXXX XXXX, 2015 advising that information sufficient to verify the debt had been provided. Moreover, upon review, it appears your account was already credited with the XXXX payments totaling {$65.00} that you have made since the time the account had been placed with this office. A balance of {$1000.00} is currently due. As to the inquiry made on your credit bureau, on account of this firm 's representation of XXXX XXXX XXXX, such a credit inquiry is permissible pursuant to a legitimate business need as promulgated by section XXXX of the Fair Credit Reporting Act ( FCRA ) [ 15 USC sec. 1681b ]. If you desire to voluntarily pay this matter without judicial intervention, you may contact Attorney XXXX XXXX XXXX at XXXX ext XXXX. 

Please review the above they are all over the map on this based on there response I do not have an account with there client my spouse does and that matter is being Address under separate cover. Case in point Can this Attorney product a document or contract Sign by ME? if not no verification of debt no standing and this is just disregard for the above mention law. as stated in there response " such a credit inquiry is permissible pursuant to a legitimate business need as promulgated by section XXXX of the Fair Credit Reporting Act ( FCRA ) [ 15 USC sec. 1681b ]. Please do not threaten ligation if you do not have standing under the law. in addition Phone call to your office will not preserve my rights under the US code that regulates there company.
Consumer complaint received 2015-09-02
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Jonathan Neil & Associates, Inc (TX)

I received a letter from Jonathan Neil & Associates dated XXXX XXXX, 2015 for an auto insurance debt of XXXX. My wife and I called and made payments arrangements for {$100.00} per month until XXXX was paid. We received verification and acceptance of payment arrangements from Jonathan Neil & Associates in letter dated XXXX/XXXX/15. We mailed our XXXX payment on XXXX/XXXX/2015 and we received another letter dated XXXX/XXXX/2015 from Jonathan Neil & Associates with a new balance of XXXX. We believe this consititutes unfair practices because we made payment arrangements on one balance and after first payment, the balanced was increased.
Consumer complaint received 2015-10-21
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have had a Bank of America credit card for about 8 years, and the minimum payment used to be around {$45.00}. Over the years, every time I used the card the minimum payment went up, and by XXXX the minimum payment was {$220.00}. Unfortunately, my mother-in-law died on XXXX XXXX, which was the date on which my credit card payment was due. I missed the date by four days, and made a payment of {$320.00}. Then I received a bill for a minimum payment of {$460.00}. I think that this Bank of America financial policy is abusive, fraudulent, and illegal. Can you please do something to help me?
Consumer complaint received 2015-09-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (TX)

Regions Bank is erroneously reporting a negative bank account in my name to XXXX and possibly XXXX, although they have been notified numerous times of the ongoing identity theft I 've been fighting for over 8 years, and despite the fact that they are fully aware of my fraud and security alerts and recent bankruptcy filing. I 've made several attempts to resolve this issue and am beyond tired of this thing coming up to bite me when I want to open a new financial account. It 's embarrassing and frustrating. This bank has horrible customer service, is not responsive to consumer inquiries/complaints and does nothing to resolve major issues like this. I want this item removed from XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, as well as any other agency that compiles personal consumer information, without that consumer 's knowledge, without any verification of validity and that which significantly and negatively impacts consumers ' day to day financial life. Banks, credit reporting bureaus and financial account recording agencies are predators in the financial services industry and I want them held accountable for their unethical and illegal business activities. At the very least, I want any association of my name, social security number, financial account information, driver 's license number, state identification number, past and present addresses, date and location of birth, relatives, friends, ex-spouses, and any other pertinent personal identifying information to be immediately removed, permanently, from the records, files, databases and archives of these sharks. They ruin lives.
Consumer complaint received 2015-08-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MI)

The mortgage and lease auto accounts were paid in full and no longer valid. Last reporting information needs to be reported with comments that these loans were paid as agree upon. 
The Tax Lein is close to XXXX years old and was paid off before it was submitted to collections. The public report needs to be removed from XXXX Credit Bureau immediately. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, and all other medical collections were paid in full and should be removed from this credit reporting agency.
Consumer complaint received 2015-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (SC)

I have XXXX accounts from XXXX XXXX XXXX reporting on my Equifax credit file. After numerous disputes, I have received no resolution. I informed them that I have an open investigation with the CFPB - case # XXXX andthey advised me to file a complaint with the CFPB.
Consumer complaint received 2015-11-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc. (NM)

I was with Nation wide bi weekly program and i have got XXXX notices over the weekend saying that my account is temp suspended. I tried to call I want to make sure they have my extra payment that is supposed to go to my house now on XXXX XXXX and no one will answer they say they are having technical difficulties.