davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-31
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: DISCOVER BANK (NY)

On XXXX XXXX, 2015 I spoke to XXXX XXXX at Discover Bank Web Support because my Online Bill Payments ( bills sent directly from the bank using the website ) displayed in XXXX different ways on my statement. Please note that I 'm only referring to payments to individual people that are sent by Discover Bank through the mail, these payments are not being sent electronically and there are no " account numbers '' associated with bill payments to these individuals. 
Some of my payments display as " Online Payment '' and others display as a check number, even though the bills were sent to the same person, by the same bill pay method. Please see the example below. 

XXXX/XXXX/2015 XXXX XXXX Online Payment $ XXXXXXXX/XXXX/2015 Check XXXXThe bills listed as " Online Payments '' are being deducted from my account on the day they are scheduled to arrive at the payee 's house, but the bills listed as a check are only deducted when the check is cashed. Bills listed at " Online Payments '' are deducted even if the check has n't been cashed. When I contacted Discover I was told the company that process Discover 's bill payment processes some bills as " Draft Checks '' which are only debited when they are cashed. The company processes other checks as " Single Check '' and these are debited from the account the day they are scheduled to arrive, even if they are n't cashed. Discover could n't explain why payments are processed by XXXX method or the other, and I was also told that I could not choose which way my payments would be processed. This is not what it states on the Discover website. 
On the Discover Website under " Help / Checking FAQS '' it states : I scheduled a bill payment, why has n't my available balance changed? 
Paying a bill with Online Bill Pay is similar to writing a check. When you schedule a bill payment, your available balance does not change until the individual or company you are paying actually processes or cashes the payment. 

This is not true. My payments labeled as " Online Payments '' are being deducted even if they are not cashed, not when the check is cashed.
Consumer complaint received 2015-09-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (GA)

On XXXX XXXX, XXXX, I made my final payment to Santander Consumer USA for my vehicle. In spite of bankruptcy, I paid every payment due Santander Consumer USA and they kept the title to the car. I have not been able to get the title to the car. When I called inquiring about the title, XXXX representative said my title was mailed ; however, it was mailed to the wrong address. I was offered a " lien release '' letter instead. I have had the same address from the signing of the contract in XXXX. The representative could not explain why all of a sudden they had an incorrect address. 
My daughter called me and I told her what happened. She told me to call back and ask for a manager. We spoke to a second representative who initially said the car was paid off in XXXX and the title was mailed at that time. Upon insisting that the information she had was wrong, she finally said that the title was sent via XXXX. We then asked about a tracking number. She informed us that there was no tracking number. We asked for a manager. She said that she would see if XXXX was available, and if not, we could leave a message. We then asked how long would we expect to wait prior to receiving a return phone call. She said they were not legally able to make phone calls. 
In conclusion, I was told that 1 ) my title was mailed to the wrong address, 2 ) the title was mailed in XXXX, 3 ) the title was sent via XXXX, but there is no tracking number. It took several tries on the phone to get to a customer service representative, then I was given conflicting information ; and most importantly, I still do n't have my title.
Consumer complaint received 2015-11-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MN)

Received letter from Carrington Mortgage Services stating repo and that owed 2 payments. Had mailed 1 payment that week and found out that the extra sent prior was held as it was not a full payment. I understand that. So, I overnighted the balance on Monday and it was tracked to delivery on Tuesday. Waiting until Friday to check if posted and found that neither were. Called them and they said they had received neither the check mailed a week earlier or the overnight. They stated that I would have to prove that anything was sent. I stated the tracking stated it was received. Now a week after still neither have been posted. I used the address on the letter for overnight, and the payment mailed was sent it their envelope with their address. What can I do to get a straight answer from them? Their customer service is totally lost. I know the payments are my fault, but goodness how do I fix if they are n't posting and receiving payments. I want to get this up to date asap. What can I do? I am afraid to double the payments as they may then deposit and post the old and new monies.
Consumer complaint received 2015-08-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

My payment is due on the first of each month. For the payment that is due on XXXX XXXX, 2015, I did not receive a statement. I contacted Green Tree to request them to provide a statement. The response was that they were unable to provide a replacement statement.
Consumer complaint received 2015-09-03
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

To whom it may kindly concern : I have a credit card account through Bank of America. This past cycle, my bill payment was 10 days late ( due XXXX, XXXX, 2015 ). I had a health emergency and ended up in the hospital. I can send you documentation to support this claim if you wish. 

I do not dispute the fact that my payment was late, however, the reason was beyond my control. My account is now current. 

The issue I have is, I received an letter that my APR will be raised to a " Penalty APR '' at XXXX percent because of this XXXX late payment! With this exception, I have never had a late payment with this account, whatsoever, or any others in my credit history. The hospitalization was completely outside of my control. I made the payment as soon as I was physically able. 

I would also like to add, I attempted to pay my bill online a few days early, but Bank of America 's website was down for " scheduled maintenance. '' The next day, I went to the hospital, so this is at least partially their fault. 
Any help or advice you could provide with this matter would be greatly appreciated. 

Thank you, XXXX XXXX
Consumer complaint received 2015-06-10
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was at a party and my wallet got stolen, due to the fact my wallet is also a phone case, my phone was stolen as well, along with my credit/debit cards.. A few days later i was able to purchase a new phone, after purchasing a new phone I was able to check my email, upon checking my email I had an email from Bank of America alerting me my account was overdrawn, immediately I contacted BofA to explain the situation that the card was not in my possession, they read all of the unauthorized transactions in XXXX XXXX and I told them it was n't me it was fraud. A few days later they denied my claim and stated they didnt see any fraudulent activity, but I received an email while the fraud was occurring about unusually activity, so that lets me know they knew something was n't right, for XXXX I live XXXX miles from XXXX, another thing is I had everything taken from me so I had no money or anyway to get to XXXX. They also stated the reason why my claim was denied was because my mobile banking was accessed, and that indicates awareness, but like i mentioned before my phone was stolen, my phone did not have a password. I explained that to them once again, then they stated that was not in the notes, and I can have them " re-open '' the case, of course I agreed, and they also told me to file a police report. immediately i filed a police report, and received a confirmation email from the police department, 2 days later I received an email stating my claim is denied once again, before I even had a chance to send them the report, the police depart approves the report in a 3-5 period, plus my report was done on a Thursday, thats XXXX business day. Bank of America 's reason, once again is the mobile banking being accessed. I told them again my phone was stolen, and that they did n't give me a chance to send in the report, their response was they already reached a decision. Im a college student working XXXX jobs, taking care of my XXXX siblings and I had over {$3000.00} stolen from me, BofA does not care about me at all, they do not live up to the XXXX liability terms they talk about, I 'm behind in my bills, I have to eat less, put in extra hours at work, Ive lost over XXXX pounds in the past XXXX weeks dealing with this, PLEASE HELP ME!!! I do n't know what else to do. I need my money back!!!
Consumer complaint received 2015-05-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

MY NAME IS XXXX XXXX ON OR ABOUT XXXX OF 2012 A CHECK LOOKED TO BE DEPOSITED INTO MY BANK ACCOUNT AT BANK OF AMERICA.SINCE THE TRANSACTION MY ACCOUNT WAS CLOSED AND REPORTED TO CHECKSYSTEM ON XXXX XXXX FOR SUSPECTED FRAUD ACTIVITY. I HAVE MADE MULTIPLE CONTACTS WITH BANK OF AMERICA IN TRYING TO FIX THE SITUATION. I HAVE ATTEMPTED TO ASK FOR PROOF THAT IT WAS ME DEPOSITING THE CHECK LIKE A VIDEO OR PICTURE SINCE THE CLAIM WAS A DEPOSIT OF A CHECK TO THE BANK. I HAVE ALSO ASKED TO VERIFY AND PROOF THAT THE SIGNATURE ON THE CHECK THEY CLAIM I HAVE DEPOSITED IS IN FACT MINE. I WAS DENIED TO BE SHOWN ANY VIDEO OR PICTURE TO SUSTAIN THEIR CLAIM, ALL I HAVE BEEN GIVEN IS A PICTURE OF THE FRAUDULENT CHECK WITH A SIGNATURE THAT IS CLEARLY NOT MINE. I DID NOT TAKE PART OF NO FRAUDULENT ACTIVITY WITH BANK OF AMERICA.I HAVE DISPUTED THE ACCUSATION ON CHECK-SYSTEMS AND RECEIVED THE SAME PROOF JUST AN IMAGE OF THE CHECK AND YET NO VALIDATION OF MY SIGNATURE NORE IMAGE OR VIDEO TO BE ME.THIS HAS MADE IT DIFFICULT FOR ME IN SUSTAINING A BANK ACCOUNT TO BE ABLE TO FINANCIAL ORGANIZE MYSELF AND MY FAMILY.
Consumer complaint received 2015-07-31
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: TENET HEALTHCARE CORPORATION (GA)

I have tried to get a copy of the bill sent to me three times and not bill has been received. Also, I am not working due to being XXXX and tried to get a hardship form request to be sent out three times also. The rep 's advise they was going to send these documents on all three calls, but nothing has been received at this time. They have called and harassed me when I have advise them of my situation. I was on a payment plan, but all funds has been exhausted. Today I spoke with a Rep name XXXX who advise me there is no way I can get a hardship due to the payment plan I was on. Please help in this matter. My account number is XXXX with XXXX XXXX XXXX XXXX, GA.
Consumer complaint received 2015-10-20
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

I 've recently discovered that poor loan servicing by Ocwen for my rental property is causing my credit report to reflect incorrect delinquent payments ; which in turn is negatively affecting my risk profile with financial institution for loans, such as a HELOC. 

I 'm not sure why but it looks like - for some months - Ocwen is not applying my mortgage payments when they arrive from my XXXX account. Moreover, they 're marking my account with delinquency notices. 

I 've enclosed an example of a delinquency letter I received from Ocwen and documentation verifying that I am indeed making mortgage payments that Ocwen is choosing to delay in crediting my account. 

In the attached document, you 'll find : - a XX/XX/XXXX payment that was n't credited to my account until XX/XX/XXXX - a XX/XX/XXXX payment that was n't credited to my account until XX/XX/XXXX - a XX/XX/XXXX payment that is n't reflected in my payment history
Consumer complaint received 2015-10-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Empowerment Ventures, LLC (MA)

I am a rush card customer and I called to replace a card. The first time I am replacing a card. I was charged a fee when I was told I was n't going to be. so I called to dispute the XXXX $ fee I was told 1-2 business days it would be removed it has been a week it is still there. This is after I had to argue with a lady to tell her that I have never replaced a card before because she kept telling me I did, when the previous person had confirmed with me that I had not and it would be sent free of charge. I also needed to dispute a charge that was charged twice and they sent me the dispute paper I faxed it and they do n't know if they got it. I was calling for 3 days the phone kept ringing and hanging up telling me my social was wrong, or would just keep me on hold and hang up or would n't ring at all. This morning XXXX/XXXX/2015 I attempted to call and it keeps hanging up. I have been waiting for a replacement card for 11 days. I received the dispute paper that I requested after a replacement card. My direct deposit has not come in on time and they said they have n't received it when all of sudden the week of the outage the direct deposit is late. I can not get into my online account because it was locked I do n't know why, I cant reset it because I am still waiting for a card so I have no idea how much money is in my account now and there is n't anything they can do. This is very unprofessional if you do n't have the money or technology required to do a update do n't do it because XXXX customers are dependent on you for a means of living. This is sad, a XXXX owned business that I truly believe was great has turned into a major disappointment. XXXX XXXX get it together. Praying for those affected ARE YOU KIDDING ME? We are n't dying but who knows someone might since they cant access there funds for medicine or even food. My heat payment is late and there is n't anything I can do. You said you will call people if the DM you on XXXX that they are still having a problem! What difference does that make because they would be talking to you? Like come on this is serious! you have money, and you created rush card for those that you believe needed the help now what do you call this! SAD! Get it together!!! UNCLE RUSH!!! The apologizes, prayers and promises do not improve anything.
Consumer complaint received 2015-11-22
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital one has destroyed my credit and refuses to correct it. The payments has always been paid on time. Capital One attempted several times to withdraw funds from a closed account or from an account I did not authorize. I have tried to resolve this many times with management but was told every time a manager was not available and can only speak with a supervisor. I was also clearly told by a representative Capital one would resolve and this would not report negatively on my credit report.
Consumer complaint received 2015-05-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

I believe I am a victim of predatory lending because of my race ( XXXX ) and my geographical location. I was given a high interest and excessive points when I was approved for my home loan. American Servicing Company is my service provider for wells fargo.
Consumer complaint received 2015-06-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

Copy of Letter to Principal Reduction-Hardest Hit Fund, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX, Attention -- Inspector General, VIA FAX # ( XXXX ) XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX : OCWEN Loan Servicing abuse of customer that received HHF Principal Reduction Funds, Ocwen Loan # XXXXDear Sir/Madam, We received a HHF assistance in XXXX. At the time, our lender, IndyMac Mortgage, turned over the servicing of our loan to Ocwen Mortgage. 
We made all of the monthly payments on the revised payment amount ( HHF applied our {$50000.00} principal reduction ) on our Ocwen loan. 
I was alarmed to receive a statement dated XX/XX/XXXX, stating that the payment amount due was a negative - {$43000.00} ( All of these Statements are attached ). Then next statement dated XX/XX/XXXX with the same amount due, and a " Suspense Payment '' listed for the amount of {$4600.00} with the payment date of XX/XX/XXXX. The next statement dated XX/XX/XXXX, with a payment amount due of {$4500.00}, with a payment breakdown that I could not understand. The next statement had an payment amount due of {$5100.00}. 
I was in contact with a relationship manager at Ocwen during these months, beginning XX/XX/XXXX, trying to get this straightened, of which I have documented. Her name is XXXX XXXX and her ID # is XXXX. Her conclusion was that the HHF Principal Reduction payment confused Ocwen and she submitted to supervisors for review. It has been in review since that time and you can see from the attached statements and letters and nothing has been done. I believe she is doing everything in her power at her level to get it straightened out, but it seems she not getting any cooperation from her supervisors. 
I have also included a breakdown of the Payment History and some notes on it, along with the Foreclosure Letter received from Ocwen via Certified Mail on XX/XX/XXXX. Also attached is the letter received today from the Attorney stating that we have been referred for Foreclosure. 
The first few pages of the document is the documentation from Principal Reduction-Hardest Hit Fund, XXXX XXXX XXXX XXXX. 
I spoke to Ocwen today after receiving the letter from the attorney, but my Relationship Manager, XXXX XXXX, was not available, thus I spoke to XXXX, ID # XXXX, and he was posting updates for XXXX XXXX to review. 
Any assistance with this matter would be greatly appreciated. We are very frustrated dealing with Ocwen with what seems to be a simple matter with a simple, straight-forward resolution. Please contact XXXX with any questions at cell phone # XXXX, or email correspondence to XXXXXXXXXXXX. 
Regards, XXXX XXXX XXXX : Ocwen Mortgage
Consumer complaint received 2015-06-10
Product: Debt collection — Auto
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Lightning Fast Finance (CA)

Today my husband XXXX XXXX, received a disturbing call from XXXX with XXXX XXXX. XXXX NY XXXX XXXX, Ext XXXX XXXXHe advised him he was calling re a debt incurred over XXXX years ago with Lightning Fast Finance . 
My husband XXXX XXXX, and i filed Ch XXXX and were discharged from bankruptcy XXXX. He advised the collector we filed bankruptcy and he then began using harassing language, advising he would continue calling until the debt was paid. I have also received several calls on my cell phone from this office, but voicemails were left as I neglected to return the calls since they addressed my husband. 
In addition, I can provide a copy of my filed list with the bankruptcy courts as we listed all parties that reports on our credit at the time of filing XXXX. 
Please respond with any requests for documents or call history records as necessary.
Consumer complaint received 2015-07-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Bureau Services, LLC (MO)

I technically owed the debt to a daycare provider ( XXXX XXXX ) until the provider in their negligence of unspervision, and lack of security cameras on the play area allowed another child to victimize my XXXX year old daughter by XXXX. My daughter was taken to the emergency room, the incident was sent to the XXXX hotline by the emergency room doctor, a police report was filed, and she was interviewed and examined again at XXXX XXXX. The daycare had the audacity to send the balance to the credit bureau for collections. The credit bureau made constant attempts through mail and constant phone calls. I informed the credit bureau over the phone as well as a formal written statement why the money was not owed to them for nullifying our contract by no longer providing a safe environment for my child. I also explained to them with enough detail what had happened to my child and in sheer principle of the matter the daycare bill will not be paid. I asked in every conversation to please stop contacting me, they would not receive payment and that a civil suit for negligence, accidental injury, and damages would be filed. They still continued to contact me through mail until I was served with court papers stating I was being sued for the balance.
Consumer complaint received 2015-11-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Debt was paid in full with us bank who has deleted this account from my credit report. In addition Portfolio is reporting the first date of default as of XXXX but it was back in 2008 and not it has passed a 7 year statute of limitations that account is allowed to be reported on credit report. However, Portfolio is refusing to admit that fact that they are illegally attempting to collect on the debt that has been 1st settled in full with original creditor who already deleted it from my credit report and 2nd this has passed a 7 year statute of limitations for the account allowed to be reported on my credit and 3rd it has passed a 4 year statute of limitations that collector has the right to attempt to collect a debt on the past due and expired account. Plus porfolio continues their harassing phone calls, and letters even though I sent them with cease and desist letters via certified mail, they claiming not to receive them and keep harassing calls to my home and cell # at in aunapropriate times of the day. THESE ILLEGAL COLLECTIONS AND HARAsSMENTS MUST STOP IMMEDIATELY!
Consumer complaint received 2015-10-21
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (MD)

RushCard made by XXXX XXXX has done something where the systems has locked and frozen peoples a counts all through out the nation. I am one of the people that is affected by this. Im sure this is n't the first compliant. This has been happening since XXXX. Im very upset by this as also many more. I have bills that need to be paided that dont care that my account is frozen. They will not awnser the phone or contact any one. If you call they hang up on you.I want my money and tp be away from this whole issue.