davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

I bought my vehicle and ever since the second day of owning my vehicle there has been nothing but problems. The dealership and the bank does not want to help me out at all. Now I 'm stuck paying $ XXXX for a paper weight that 's been in and out of the shop about 11 times since I purchased it on XXXX/XXXX/2016
Consumer complaint received 2015-08-19
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We have a {$440000.00}, interest only, equity line loan with Bank Of America that will change from an interest only payment to an amortized payment starting XXXX 2015 after XXXX years. It is a XXXX year loan. The XXXX XXXX years are interest only. The next 15 years are amortized. This loan is in the XXXX position. Our XXXX is a XXXX year loan has under XXXX yrs left on it. Most of our mortgage payment for the XXXX now goes against our principle. Bank of America has sent us a letter stating that our loan will change XXXX 2015 and our monthly payment will be adjusted from {$1100.00} a month to {$3600.00} a month starting XXXX 2015. An amount we can not afford to pay. 
We went to go see XXXX XXXX, Mortgage Broker, at our local Bank of America office, at XXXX XXXX XXXX, XXXX, CA XXXX, XXXX on XXXX XXXX, 2015, to get our equity line refinanced or to streamline our XXXX loans. She informed us that Bank of America could not refinance our loan or streamline our loan ( both loans are with Bank Of America ) and suggested we contact their Modification Office. We have heard that getting your loan Modified rarely happens, is a terrible deal if you do get a Modification, they take months to get it done and hurts your credit. 
Our income to Mortgage percentage is way out of the acceptable range for a traditional refinance. Our credit rating is XXXX and we have not been late on a mortgage payment in XXXX years. 
My wife also works in the XXXX XXXX industry. 
With our good credit history and our ability to weather the economic down turn, I think there should be other options besides just your income to mortgage percentage:1. The fact that we have never been late for a mortgage payment in XXXX years. 
2. The fact that an independent businessman has ups and downs that span over years. The possible success in the future should be looked at. 
3. Our XXXX mortgage should not be jeopardized because we have to refinance our XXXX. 
Bank of America 's actions are going to force us to sell our house that we have lived in for XXXX years. We can not afford their new monthly payment. There is plenty of equity in our house to support a loan. On XXXX XXXX, 2015, XXXX XXXX at Bank of America estimated our home value at XXXX XXXX and XXXX estimate is XXXX XXXX. 
Can you help us with Bank Of America to refinance our equity line or extend our interest only payments for another XXXX years in order to keep our loan payment at it 's present rate so we can stay in our house. We have proven that we can successfully pay our mortgage. I feel this tactic of selling loans without fully explaining what happens after XXXX years is another scam by Bank Of America to extort more money out of the American people and to force families to sell their home even though they have a great payment record and plenty of equity. 
We have already shown these documents to XXXX XXXX at Bank of America just to receive a flat out no.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (IL)

I believe my I believe my identity have been compromise leading to several a credit report that Im not familiar with. I have requested information from these companies from various amounts ranges from $ XXXX {$600.00}. I want even {$4000.00}. Neither get back with me.
Consumer complaint received 2016-05-26
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC ()

On XXXX XXXX 2016, I made XXXX money transfers through Money gram from XXXX to XXXX, the XXXX was for USD {$5.00} to receive XXXX {$17.00} ( XXXX XXXX ) under reference XXXX, the second one was USD {$520.00} to receive $ XXXX XXXX, when I delivered this money I ask to money gram agent in XXXX that if there was a time limit to receive the money and also I if there was any a problem with the amount of USD {$5.00} and the teller told me that there was no problem. 
On XXXX XXXX 2016 the receiver and I went to Money Grams agent in XXXX and tried to receive my money and the agent named XXXX XXXX, we were told that we were not able to get the money because the transfers were blocked, and after two days of visiting XXXX offices from XXXX different Money Gram Agents and calling customer services phone it was impossible to have an agreement between Money Gram, the agents and me as the customer, on one side at money Grams customer service line they answer always was that there was not any problem to perform the payment that I was able to receive it when I want that I should go to another office and on the other side the XXXX different agents were not able to make the payment, finally at the headquarters of one of the agents ( XXXX XXXX XXXX XXXX XXXX ) there was a settlement between the agent and Money Gram customer support that the only way to pay me was to divide the transfer of $ USD XXXX in two different payments, but I would receive COP XXXX instead COP XXXX, because there was an extra cost for dividing the payment, finally I accepted because I was afraid to lose my money signing in the papers that I will submit a complaint ; for the USD {$520.00} transfer I received the money completely. 
After I received the money I submit a complaint through Money Grams web site, asking why they were charging me for dividing the payment, they answered me that the difference of the values was not for an extra charge but it was because they used the exchange rate of the day that was divided the payment which is under the rate when I delivered the money. 
The complaint is under case number XXXX since XXXX XXXX, Money Gram asked me some detailed information about which offices and agents I visited. I have asked about updates for this case number and they have answered me that the investigation is still under process, but after almost two months I am noticing no progress at all. 
From my point of view I have been a victim of the lack of communication between Money Gram with their agents and customers therefore I should receive the amount of money initially agreed, when I delivered the money. I did not request to divide me the money therefore I should not to assume difference of the exchange rate values, for that exchange rate deviation I received XXXX XXXX less than it was initially settled in our contract
Consumer complaint received 2017-03-02
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (SD)

I was sent a check in the mail from XXXX XXXX out of XXXX XXXX, CA that was {$2600.00}. I was asked to deposit the check in my bank account. Then was asked to withdraw all but {$100.00} of the {$2600.00} so deposit into 2 different other accounts. One was sent to XXXX and other was sent to a XXXX through MoneyGram. I later found out that the check was a XXXX and my bank zero 'd out my bank accounts. I need some help to get this resolved.
Consumer complaint received 2015-08-18
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (CA)

Hello my name is XXXX XXXX, due to a hardship, I couldnt work and fell behind on my mortgage. I started a modification with XXXX XXXX XXXX, and submitted all my paperwork, however Caliber Home Loans bought the loan. XXXX assured me that the modification would be transferred to Caliber Homes, and I would not have to submit ADDITIONAL/NEW paper work for the modification to Caliber Homes Loans. Unfortunately, I was mislead, because Caliber Homes Loans did not have any of my modification paperwork. I recently attempted to submit my modification paperwork to Caliber Homes Loans, but they wont accept it, because there is now a foreclosure sale date on XXXX XXXX, 2015. This is very unfair, because I was promised by XXXX that my paperwork was submitted to Caliber Homes Loans, but again it wasnt, and when I tried to submit it modfication paperwork, but they wo n't accept it, which means I will be homeless. I am single mother, and now have income for a modification loan, so I am beggin and pleading for the chance for a modification, so I wont be homeless.
Consumer complaint received 2017-02-01
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: DAS ACQUISITION COMPANY, LLC (IA)

I am a XXXX XXXX vet trying to get loan thru usa mortgage XXXX out of XXXX mo its a va loan and they keep screwing me over I believe they are screwing me around because I am a XXXX vet with that as my only income I have good credit and always done what they ask and provided everyrthing they ask they will not give me reason for denial or give me answer if I got if I got loan it has been months there is no reason for them to treat me like a piece of XXXX and not do what they said they would do
Consumer complaint received 2016-09-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Phillips & Cohen Associates, Ltd. (WI)

I receive calls from XXXX several times per day. I answer the phone and it is a computerized voice saying this is an attempt to collect a debt and to please wait while they connect me. Then the phone goes to a very fast beeping tone. I am never connected to anyone and then they hang up.
Consumer complaint received 2016-05-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (CA)

XXXX is trying to make me pay for a service I did not have. I Canceled my service with XXXX XXXX XXXX on The morning of XXXX XXXX, 2015 then turned my equipment in which was XXXX box and XXXX remote the following Friday which was XXXX of XXXX. I canceled my service with XXXX because on XXXX XXXX of 2015 XXXX XXXX XXXX came and installed XXXX and Internet, so at this point I know longer needed service from XXXX XXXX XXXX that is why I canceled Friday morning XXXX XXXX, 2015. Two weeks after this I received a bill from XXXX XXXX XXXX for {$41.00}, claiming it was for service from XXXX XXXX to XXXX XXXX of 2015, but I did not have service from XXXX XXXX XXXX on those dates, I owe them no money. I then called them and spoke to a supervisor talked about the situation and they said the charges would be dropped. About two weeks after that I received a letter from a credit agency claiming that I owed XXXX the {$41.00} plus interest which now they claimed was {$58.00}. This agency was called " XXXX XXXX XXXX '' I contacted them and also sent a letter 100 % disputing the validity of their attempted collection, I explained to them what happened & about 10 days later I received a letter back from them stating they were dropping the attemped collection after reviewing my information that I had given to them. so after speaking to XXXX XXXX XXXX and then dealing with this credit management collection agency I thought everything had been dropped. unfortunately I was wrong it 's been almost a year later and now I and being harassed by another credit collection company called " IC System ", they are claiming the same thing the first credit card company stated, so I contacted them and also sent them a letter and paperwork 100 % disputing the validity of their notice. now they are claiming they never received a letter from me so today I 'm sending them off another letter, very frustrating this 'll be the second one I sent to them. At this point I 've called them and sent a letter disputing the validity of their notice and they will still not quit calling and harassing me, Now they 're saying if They do n't get the letter to them in time they 're going to report me to the big credit agencies. Report me for what, I have done nothing wrong I owe no money & this notice is completely bogus. please help me resolve this issue ... ... I have excellent credit and they are trying to ruin it, they are creating a lot of extra XXXX in my life and XXXX
Consumer complaint received 2016-05-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I have a student loan owned by Citizens One and due to my worsening XXXX XXXX I have been unable to work for some time, I am receiving Social Security XXXX, have been approved for a Federal XXXX discharge, and approved by XXXX for a full discharge of the student loans that they held. I asked Citizens for a compassionate review of my private loan ( about {$43000.00} ) 2 months ago and they have n't responded.
Consumer complaint received 2017-03-01
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I transferred {$300.00} from Chase quick pay to My sister 's XXXX account by using her phone number as an identification. She got the message that the money will be deposited and the confirmation number. However, she never received the money. I talked to Chase, and they said the money was deposited to a XXXX account which was not my sister 's account. XXXX said my sister registered her phone number after the money was transferred, so the money was deposited to another account. Is n't the money supposed to be in transit if the phone number was not registered and will be kicked back to my Chase account? My sister has been using this phone number for 3 years. So her phone number could be stolen. And now XXXX has no way to chase back the money. This is absolutely unfair to me. XXXX does not even take my claim. I claimed with Chase, however the dispute was not successful since they can not connect to the person who has the money. If they tried to called the person, then my sister could get the phone call, but she never did. So i am wondering if XXXX really tried to connect the person who gets the money and helped me chase back the money. The service of XXXX was really really bad.
Consumer complaint received 2015-08-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pinnacle Credit Services, LLC (AZ)

On XXXX/XXXX/2015 I received a collection bill from XXXX, informing me that they were attempting to collect a bill on behalf of Pinnacle Credit Services , LLC. After receiving the bill I agreed to pay the portion that I was responsible for. On XXXX/XXXX/2015 I paid the bill in full and got a confirmation from them, advising me that as soon as the payment posted the account would be satisfied and listed as " paid collections '' and closed on my credit report, I was advised that they would contact Pinnacle Credit Services, and let them know that this was now a " paid collections '' and would be closed. To this day I have contacted Pinnacle Credit Services LLC and XXXX as my account is showing a {$0.00} balance but is still showing as an open account, I have yet to receive any answer from them.
Consumer complaint received 2016-09-29
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has caused to be recorded NOD XX/XX/XXXX on a Trust Deed that first became delinquent XX/XX/XXXX. Bank of America has offered no explanation of the seven year delay in starting the foreclosure process with the recording of a NOD or for resting upon their laurels regarding exercising the right to foreclose. 
Bank of America has provided me with a payment history detailing a total of twenty-six regular payments and XXXX corresponding miscellaneous adjustments between XX/XX/XXXX through XX/XX/XXXX, reflecting monthly installments applied from XX/XX/XXXX to XX/XX/XXXX, for a net total of twenty-four regular monthly installments made, accepted, and applied to the home loan mortgage account under the terms of the XX/XX/XXXX Deed of Trust that is now in active foreclosure.
Consumer complaint received 2016-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

Equifax credit was sent a dispute on XXXX XXXX XXXX, advising them that the information as far as the balance, last payment received and amount of payment were reporting incorrect. Since that time as of XXXX/XXXX/2016 equifax has placed this creditor with my creditors that were apart of the ChXXXXBK on XXXX/XXXX/16. This creditor was not among those being discharged, this debt was Reaffirmed. My payments are current and the information that was previously reporting should be added back to my credit history per first report attached below with the payments showing XXXX monthly, XXXX balance, all payments are current last payment XXXX/XXXX/2016. I have attached the Reaffirmation agreement from the BK, please update with the current balance of XXXX, along with correct terms to date from agreement. I 've also attached the previous report showing my auto loan showing the correct information on XXXX/XXXX/16 before equifax completed an error on my report, along with the new report on XXXX/XXXX/16 showing my auto has been closed and put under the incorrect status as of now.
Consumer complaint received 2017-02-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

This is a continued complaint from CFPB case # XXXX. 
I was offered a loan Modification by my loan servicing company in XX/XX/XXXX. I happily agreed to the modification terms and have been in good standing ever since. I recently decided to list my home for sale and I found that the second mortgage lien had never been removed from my property. I contact my loan servicing company ( Ocwen Mortgage Loan Servicing ) and asked why it had not be taken care of during the modification process. They told me that they had nothing to do with a second mortgage and that is why it was not a part of the modification. I told them that it is a part of the modification process to address second mortgages ( the first and second belong to the same company - XXXX and were serviced by the same servicing company Litton Loan Servicing ). They did some digging into the file and they found the charged off loan. I was then told that it belonged to a collection agency by the name of XXXX. I called XXXX and they stated that it was a unenforceable debt and that it is now in the name of Ocwen. They said that it was given to them when they took over servicing for Litton Loan Servicing. I then sent Ocwen a QWR for information on both the XXXX and XXXX mortgage. Now Ocwen is telling me that XXXX as trustee for XXXX is the owner of this lien and they provided ( through a QWR ) the contact information of XXXX, XXXX, IL XXXX with a phone number of XXXX. They state that they are servicing the discharge loan for XXXX. I have attempted to reach XXXX with this information and the contact information is incorrect. I bank with XXXX Bank and have asked for their assistance with this matter but have not received any information at this time. It is my belief that XXXX served as the trustee for XXXX while they were in Bankruptcy ( XXXX BK case # XXXX ). This case was finalized by the Bankruptcy XXXX XXXX in XX/XX/XXXX. Now Ocwen 's Attorney are telling my Attorney that they want to collect the full balance of the loan. I feel that they have deceived me with the promise of a modified loan and now that the market has changed and the market value of my home has increased they are trying to collect moneys for a XXXX debt that I was told by the previous servicer was being removed. I need your assistance with this matter. Ocwen is once again creating hardship for a home owner with their unfair practices.
Consumer complaint received 2015-08-18
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Arcadia Holdings, LLC (NJ)

Received a call on my answering machine announcing that I needed to call back a number about a debt issue. XXXX day later I received a collection notice for {$78.00} for date of service XXXX/XXXX/2015 from Arcadia Recovery Bureau for a doctor charge from XXXX of 2015. 
Checked my EOB/Medical file to find that I never received a bill from the provider. 
I contacted the provider University XXXX XXXX XXXX XXXX. They told me that they had sent a bill on XXXX/XXXX/2015 that was returned from the PO stating " temporary out of town and can not deliver ''. At that point they told me their policy was to flag the account for that invoice and future invoices for collection. 
1. I do not understand how that policy can be legal. The creditor must do due diligence to make an attempt to collect the debt before turning it over to a collection agency. Automatically flagging an account does not constitute due diligence. 
2. XXXX further told me that they have so many patients that is the only way they can handle the billing process. Just because they do not have the proper man power does not mean they have the right to put a persons credit record in jeopardy. They have my home number, my cell phone number, my email address and a messaging system from XXXX XXXX XXXX in place to contact me. 
3. Flagging an account because of a temporary mail delivery issue is not the patient 's fault. On the hospital side I still receive bills and process them for payment. They have access to all those records and should be able to determine if the mailing address is correct. 
4. The message left by the collection agency disclosed debt collection information and my name on an answering machine that is available to other individuals. That can not be legal. 
5. I believe XXXX 's billing system is flawed, prejudicial and illegal and I need help to shut it down.
Consumer complaint received 2017-02-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I am XXXX XXXX XXXX and on XXXX XXXX I made a {$1500.00} deposit by XXXX Bank check into my Bank of America checking account. I have been a BOA customer since 2009. The bank put a hold on this deposit and turned it over to the Risk department which still has not released my monies ( 8 days now ). In the meantime, I am unable to pay my utility bills, buy groceries or fill my medical prescriptions. I continue to receive contradictory statements from BOA on why my monies are being held and when they will be released. 
I have made numerous calls to people at BOA to understand why they would do this, and I keep receiving contradictory information. Today, I heard for the first time that a XXXX Bank account representative told someone at BOA that my check would be returned and that the money was not available. The {$1500.00} was immediately removed from my XXXX Bank account and i do not know why anyone would make that statement. I have yet to find anyone at BOA who can tell who they spoke to at XXXX Bank who made that statement. 

XXXX XXXX XXXX, XXXX