davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-02
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was approved for a trial modification under the XXXX XXXX guideline, I was offered the standard modification XX/XX/XXXX. XX/XX/XXXX I ordered an appraisal and a letter was overnighted to Bank of America as servicer. I wanted to know why I was offered a 6.125 % when the XXXX XXXX as investor /owner offers 4 %. XXXX XXXX XXXX to Market LTV guideline indicates the interest rate is determined by the value divided by the outstanding balance. My numbers are $ XXXX {$190000.00} is XXXX. Anything above XXXX % then the rate is supposed to be higher. Every little bit counts at this point I have a lot of catching up to do financially. To date, my inquiry is unaddressed. I have put in calls to my Bank of America contact XXXX XXXX and no response. Since my loan was formerly in foreclosure I am only allowed XXXX point of contact that does not return calls or letters. Time is very limited as the official loan modification was to sent XX/XX/XXXX. Instead, I had sent an appeal with the original letter and appraisal. 
I would like Bank of America to return my call to discuss as I really do want a loan modification.
Consumer complaint received 2016-02-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Got a letter from Bank of America saying they will no longer accept personal checks when paying my mortgage. They claim that they have " received multiple checks over the past months that have been returned by my financial institution due to insufficient funds. '' I never had my check bounced. I feel that they are just harrassing me. I am not late in my mortgage payments. But they do call frequently to ask me when I will mail the payment. Now I get a letter that I have to pay by money order or cashier 's check.
Consumer complaint received 2015-07-21
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (CO)

I have been harassed by Synchrony Bank for the last month. They say they never received my XX/XX/XXXX payment even though they processed my electronic payment. I have the proof from my bank but they say they wo n't accept an email, I must fax or mail the proof. I did n't make the mistake and I am not willing to do all the work when it is their mistake. I need to buy a car and they are preventing me from being able to qualify for a car loan. I want them to make THEIR mistake right.
Consumer complaint received 2016-02-01
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (CT)

I have several accounts with Synchrony Bank, including Banana Republic, Walmart, Amazon and Toys R Us. The accounts mentioned are currently past due, however, there are payments scheduled for each account to bring them all current. My bank returned payments, their discretionary overdraft protection will either pay or return items. The scheduled payments will be paid as I am expecting deposits from my employer and others. Please advise them of this as I have been receiving collection calls. I do not have payment amounts and scheduled dates in front of me, however, they 're all scheduled on or around XX/XX/XXXX or XX/XX/XXXX.
Consumer complaint received 2015-09-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

We set up a loan mod with wells fargo XX/XX/XXXX. e made the three trial payments and were waiting for a problem with the title ( we have a common name we do not have any liens ). XX/XX/XXXX we were hit storm XXXX XXXX XXXX feet throughout entire house, we are a XXXX, XXXX had XXXX feet. We did not continue with the mod because we didnt know what to do.We had to move out till the house was fixed. Had to fight with mortage co to get insurance money to start work. We paid an adjustor because that is what everyone said to do. We got a lawyer to to the loan mad because at this time we didnt know what to do, the lawyer messed something up XX/XX/XXXX. We are in the process of filing a grievence against him and had to get a different lawyer we submitted another package our lawyer said they said the numbers were good It had to go to the underwriters It was turned down again I just want to stay in my house. We worked so hard on it we could have walked away after the storm but we didnt. We are hard working people we didnt go on vacations. We were trying to get a grant from the SBA for my husband tools, equipment loss in the storm ( we did not have contents insurance ) this is now on hold because they wont work with us until the bank shows that they are giving us a loan mod it a big mess. I feel we our being bullied from the bank because now the house is fixed up thanks to our hard work they want to take it. I have to go to work now. I just want to get this started. Thank you for listening. 
We are sick over this. XXXX XXXX XXXX home XXXX Cell
Consumer complaint received 2016-02-03
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: SECURITY FINANCE CORP (TX)

I am XXXX in the Texas XXXX XXXX and not on XXXX XXXX orders but I do actively XXXX every month. I took out an installment loan from Sunbelt Credit for about {$1000.00} in XXXX XXXX. I paid my loan off early in XXXX XXXX. I just called to apply for a new loan. With the exception of my promotion XXXX and the dates of XXXX loan applications, everything else about the old and new loans are the same. Same amount, interest, payment plan, status in the XXXX XXXX, etc. Only this time, Sunbelt Credit ( XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) denied me credit, stating they no longer allow military to receive loans because of the new Military Lending Act. How is it that an Act meant to protect service members from outrageous interest rates is actually preventing service members from getting loans, even if the service member can afford the loan? I 'm not XXXX XXXX, I 'm not on XXXX XXXX orders, but because I 'm affiliated with the XXXX XXXX, I feel I 'm being discriminated against due to my service in the military. What are my rights? If Sunbelt Credit violated my rights, what actions can I take?
Consumer complaint received 2015-07-21
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Exeter Finance, LLC. (TX)

I current have a loan with Exeter Finance Corp. I have a 10 day grace period after due date however they continually call my cell phone and harass me. I 've explained I have been ill and to please not call me continuously back to back however they continue to do so. I have received XXXX calls from them today alone.. When I have specifically asked to not call me again they will call back and hang up on me. How unprofessional is that! My ten day grace is not up yet they call and harass you. You call and ask for help because you just have XXXX but they say ... Sorry your account is not late until ten days after due date so you have to wait till then yet they call you everyday to harass you even after you ask them to stop.
Consumer complaint received 2015-09-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Diversified Consultants, Inc. (OR)

XXXX previously agreed to settle account in the amount of {$200.00} and at no time during the correspondence did XXXX state that it would be sent to collections or that I would have to pay collections. The settlement stemmed from overbilling, misquoting prices on plan, cramming of charges. I filed my complaint with XXXX DOJ and the agent was involved from the beginning to the settlement of {$200.00}. XXXX XXXX, Executive Services Analyst of XXXX failed to respond to my last XXXX requests how she now stated the collection agency when we had corresponded for the last few months. I believe that XXXX is attempting to harass me due to their inadequate collection tactics, improper error in pricing and the cramming of unauthorized charges to accounts. Due to the failure of XXXX to respond, I would like to pursue this matter further.
Consumer complaint received 2015-07-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Account Liquidation Services Inc. (TN)

I have written and disputed incorrect information on my credit report that belongs to another individual. The company refuses to delete the incorrect information from my credit report even after receiving my personal verifying information that is different from the negative items they are reporting. They are refusing to pursue the correct individual and remove the information from my account even with verifying proof that my identity and the other individuals are totally different.
Consumer complaint received 2016-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

A review of my credit report has identified a public record dated XXXX/XXXX/XXXX, Judgment ( XXXX XXXX XXXX XXXX XXXX, Case XXXX ). This public record is a civil judgment regarding a bad debt to a credit card issuer. While the original trade-line has been deleted and replaced with the judgment, the original Date of First Delinquency was XXXX XXXX. Based on the information in my credit file, it is due to be deleted in XXXX.
Consumer complaint received 2015-06-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I bank with Bank of America.I had a check deposited after XXXX on XXXX/XXXX/2015. My balance at that time was XXXX. The local banks were closed at the time. When I checked my bank account the following day it showed an overdraft fee of {$35.00}. I contacted the bank and they advised me that the check was processed between XXXX XXXX and XXXX on XXXX/XXXX/2015. I had a direct deposit into my account at XXXX on XXXX/XXXX/2015. In the past I have received notifications from my bank stating that I had until XXXX to make a deposit in order to avoid an overdraft fee. I received no such notification from them for this overdraft. The bank refused to reverse the overdraft fee. The check was specifically deposited after close of business to avoid an overdraft fee. They could not give me a reason as to why I was not allowed until XXXX on XXXX/XXXX/2015 to make a deposit. They show the deposit as occuring on XXXX/XXXX/2015 even though it was not processed until XXXX/XXXX/2015. I should have been given until the deadline of XXXX on XXXX/XXXX/2015. even if the check was processed at XXXX a deposit occurred XXXX hours later. I feel that this was an unfair practice by my bank. in order to charge me an overdraft of {$35.00} so taht they could make money.
Consumer complaint received 2016-02-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc. (SC)

Nationwide Biweekly, whom you already have a lawsuit against, stopped paying my mortgage without reasonable notice. They did not take money for the mortgage payment without returning it, and paid the mortgage until XXXX 2015,. They sent me the check for the XXXX payment when they said the bank did not process the check they sent them, but I was unable to reach anyone at that time to find out why they sent me the check. I received a notice from the bank who has my mortgage at the end of XXXX, advising me that I had not made the XXXX payment, and that late charges were being added. After a couple of attempts, I was finally able to talk to someone at XXXX, who said that they had suspended all accounts because they had lost their relationship with their banks. ( They blame you!! ) I asked if they were going to refund my fees, since I did not ask that they stop and was not informed that they were stopping. They said no. They clam to have tried to email us, but the email address they said they used has not been valid for years. They should have received a failure notification regarding the email. They did not call the phone number on file, which we still have, or send a mailed notification to the address on file, which we still live at.
Consumer complaint received 2016-01-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo placed a hold on my mobile deposit without notification. I deposited a check for {$600.00} via mobile deposit, and the email said it would be available on XXXX/XXXX/2016. Without ANY notice, they have now placed a hold, even though the {$600.00} check has already successfully cleared the other bank. Wells Fargo is committing fraud and causing an illegal overdraft. Not only are they holding a check that has already been paid, they placed a hold without notifying me in any way shape or form, most likely in an attempt to scam me for overdraft fees.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (TX)

I had a credit limit of XXXX. This company ran my credit without my consent then lowered my available credit based on my current credit state. Making me right over my available credit. I did not request a increase at the time. They just randomly looked at my credit report and used the information to say we are lowering your available credit without my knowledge. My credit line is now over the limit bc they lowered the credit available I had no idea of this. This information was then reported to the credit bureaus and my credit score decreased.
Consumer complaint received 2016-01-14
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Aldous & Associates, PLLC (AL)

On or about XXXX/XXXX/16, XXXX XXXX from Aldon & Associates contacted my aunt XXXX XXXX by phone stating that they were looking for me for a legal case # XXXX. XXXX XXXX has never been listed on any application I have submitted. This creditor is randomly contacting individuals with the last name XXXX disclosing personal information relating to a debt I do not know about. She resides in XXXX, MO and I have not lived in XXXX in over 12 years. Furthermore, XXXX XXXX is a mental health patient whom suffers from XXXX, XXXX and has a XXXX issues. XXXX XXXX contacting her has caused her to have a XXXX and she was XXXX on XXXX/XXXX/16 because of the threatening nature of the call which set her off on worrying that there was a legal case pending against me. On XXXX/XXXX/16, XXXX XXXX received a call from the same company but from a XXXX telephone number but they left the same XXXX number for me to contact them. They are operating outside of FTC guidelines for debt collection practices and disclosing personal information to individuals that they are not legally authorized to do so.
Consumer complaint received 2015-06-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (AZ)

I have been contacted by this company ( XXXX XXXX XXXX XXXX ) XXXX times now using a different debt collector each time. When I call and explain to the debt collector that I have never used this company for any transaction of any kind they take my info and I never hear back from them. This current debt collector EOS CCA XXXX XXXX XXXX XXXX, MA XXXX is just another pawn in XXXX XXXX XXXX XXXX 's collection placement scam.
Consumer complaint received 2015-12-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NJ)

My XXXX was sold to a company named Greentree. Greentree charged me for insurance, even though they had the information and evidence that the appropriate insurance was in place for my condo. They have now sold my loan to Ditech. I can not seem to get a refund from either company. It is a substantial amount of money as they included this charge for approximately over two years.
Consumer complaint received 2015-07-01
Product: Credit card — 
Issue: Payoff process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Hello. I have a past due credit card account with USAA. I have been making attempts to contact USAA for the past XXXX weeks in order to settle this debt. I have yet to reach anyone about this. I have waited on hold for up to an hour to speak to someone and I 'm still unable to get through. I recently received my XXXX rating from the VA. I have been diagnosed with XXXX from being an XXXX in the XXXX XXXX serving in XXXX, XXXX. My experience took a very big personal toll on my ability to properly manage my finances and personal matters. In addition, I was caring for my father who was at the time, a XXXX patient. My father was receiving XXXX from a result from his condition. This income was being used to manage our shared finances. He passed away from his condition and the XXXX payments stopped. I dealing with my father 's death and loss of income, I was not in the right mind to manage my personal finances. I could not afford the payments on this account and it caused it to charge off. I have not heard from USAA in the last couple of years in reference to this account. Now that I received my XXXX rating from the VA, I also received a large payment from them. I immediately set out to settle my debts. USAA was the first company I attempted to contact but I was unable to reach anyone. I have since settled other debts and now I have a little under XXXX XXXX dollars to settle this debt. My intention was to settle this debt for a reasonable amount but now this is all that is left. This is very unfortunate since I had the ability to pay this off and USAA was the first in line.
Consumer complaint received 2016-02-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (OR)

I received a letter from Chase Bank telling me that they would close my checking accounts and home equity account in 30 days. I called the XXXX number Chase said in the letter to contact if I had any questions. The operator said that she could n't help me and told me to talk to a branch manager. I talked to a branch manager and he told me that he too could n't help me. My accounts are in good shape so I am very confused. 
One other thing, I recently sold my house and paid off my mortgage and home equity loan. I know that there is no penalty for early pay-off on loans but this certainly feels like it.
Consumer complaint received 2015-06-03
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I filed a dispute with Bank of America regarding a service I did not receive. The complaint began on XX/XX/XXXX, and each time the response from the bank is the same. I have provided documentation that shows the business did not perform the service, and I stated that the complaint was regarding a service not received. In each response, the bank claims they reviewed the case, but will respond by denying the claim because " it is not a wrongful post to the account. '' I have provided documentation. I have asked for an explanation for the denial ( an explanation that would apply in this scenario ). I have asked if there is any addtional information that is needed. In every instance, I simply receive the same letter with the same resolve. The company will not do a complete review, and does not provide any resource to speak with a manager. I was told there were no managers in the dispute department. I have tried relentless to speak to management without any resolve. I have asked for clarification on this issue and I do not recieve it. I had my car serviced on XXXX/XXXX/2015 at XXXX in XXXX Florida. I paid XXXX for a fuel pump system. After the car was serviced, it stopped working two days later and had to be towed back to XXXX. XXXX kept my car for almost two weeks, and I was told the part that was put on was defective. Again, when the car was returned to me, the car stopped running a few days later and had to be towed. The car has not been fixed since its release date on XXXX/XXXX/2015. I notified Bank of America and filed a legitimate dispute. The response is " we do not find an error in the post to the account. '' I have received this response XXXX times and 120 days later, Bank of America 's dispute department has yet to clearly identify that my complaint/dispute is for a service that I did not receive.
Consumer complaint received 2015-06-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Protection Association, L.P. (FL)

An attempt to collect a " debt '' has been going on for about 10 months. Calls about twice a day about 6 days a week. When they would call me after their business hours and I would get the rare opportunity to get passed the machine, a XXXX machine would pick up informing me of the office hours and leave me with either hanging up or paying my " bill ''. 

For the first 6 months, I would pick up the phone call when I could, answering machine would pick up asking if this is myself press XXXX. I would press XXXX and the machine would automatically drop the call or it would not acknowledge my pressing XXXX. 

After some time, I finally got a hold of someone in the office.I asked them to send me proof of the debt because i have never seen any proof of a debt with XXXX XXXX XXXX, Although I do acknowledge doing business with them in the past. They informed me they would indeed send proof via mail and confirmed my mailing address. 

XXXX time I was able to get through to them I informed them again i would not be paying any debt without proof of a debt other than a phone call. They informed me a " letter '' had been sent. I informed them i did not receive any letter and did they have any proof that they sent it out. She said no but she could send another. I then said ok and can I speak to a supervisor about your answer machine dropping calls when i follow the machines instructions. Held for about 20min and the supervisor come on. I informed her about the machines problems and she told me that " she was not the machine '' and could n't say why that was happening and then immeadetly asked " are you going to pay your bill or not, we dont have time for this ''. Insultated, I calmly informed her that I have never received any proof that I owe anyone money. She then said if I wasnt going to pay my bill than she had to go and hung up on me. 

About XX/XX/XXXX, their machine finally allowed me to talk to someone again. The lady i spoke to this time told me XXXX emails had been sent to me. I informed her that i have never received an email from their company and also was told I would be receiving a letter and that her office even confirmed my mailing address the first time we spoke. She did not know how I was notified the first XXXX times but the last was an email. Together we confirmed all of my contact information and she said a letter would go out again. 

To this date, XXXX/XXXX/15 I have never received any written proof that I owe any company any money. I am unable to communicate with this collector because of an ongoing problem with their answering machine, which I informed them about. This " debt '' has shown up on my credit score and am unable to dispute it because the XXXX times I have been able to speak with someone, they claim to send a letter that never comes.