davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have been in my home for over 16 years. Back in XXXX of XXXX I filed for bankruptcy in order to recover from a financially devastating blow to my household. I applied for a modification with Bank of America back in XXXX XXXX and I have been given the run around for the past 9 months. I have had 4 different account managers requesting different documentation and every time I submit the required documentation, I am advised that the original documents have expired and to resubmit them. I have done this on 3 separate occasions and BOA allows the documents to expire and I have to call 2-3 times per week to follow up. There is no follow through or any desire to assist. I am tired of empty requests and threats of foreclosure when I am jumping through hoops to save my home. XXXX XXXX is my current case manager and every time he calls me with another hesitation strategy. I have requested assistance from a manager but my  concerns have fallen upon deaf ears. I have been strung along for 9 months and after being told that I have submitted everything, my case manager called me again today to request additional financial documents because they have expired again due to lack of follow through by Bank of America and due to no fault of my own. Attached is proof from their portal that I have provided a wealth of documentation ( at times duplicates ) in order to support my request as requested by BOA.
Consumer complaint received 2017-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

https : XXXX This link is to what Capital One says the benefits are for the Platinum XXXX XXXX. According to XXXX XXXX, Capital One Platinum XXXX XXXX HAVE NO BENEFITS. My wife and I booked a plane trip on this card in XXXX, XXXX. My wife fractured her leg and could not travel. I contacted Capital One to get a refund under the travel benefit. A representative in the XXXX said there " are no benefits ''. I asked to speak with a US supervisor and was told " there are benefits ''. The representative had a three way call with XXXX XXXX  XXXX XXXX SAID PLATINUM CARDS HAVE NO  BENEFITS. The representative said he would " refer the case to the executive office ''. I called the executive office twice and was told that the case has " not yet been assigned to anyone ''. It has been two months and I STILL CONTINUE TO GET EMAIL FROM CAPITAL ONE TELLING ME ABOUT THE BENEFITS EVEN THOUGH there are no benefits.
Consumer complaint received 2017-10-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMCOL Systems, Inc. (NC)

I recently discovered that this company was reporting two collection accounts on my credit reports that do not belong to me. When I disputed the accounts through the credit bureaus they came back " verified ''. I then sent this company letters and they simply responded by saying that I owed nothing on the two accounts. They obviously did not read my letters! I have attached the letters I sent to them and their response to both.
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

Chexsystems is reporting that I owe money to XXXX, however I do not. I have proof that it was paid XXXX from XXXX XXXX and i have repeatedly sent this evidence to Chexsystems. Every time I go to open a new bank account I am told I can not open an account. I have sent Chexsystems evidence from XXXX that there is not a debt yet they ( Chexsystems XXXX refuses to remove the item blackballing me from opening an account.
Consumer complaint received 2017-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I was shocked when reviewing my credit report and found late payments on XXXX of my student loans on the date below : 90 days late as of XXXX XXXX I am not sure how this happened, as my loans have been in Forbearance for a long time due to my low amount of income. Each time my loans have come out of Forbearance, I have been diligent about contacting you to put them back in Forbearance. 

These late payments severely damaged my XXXX XXXX and it is not right.
Consumer complaint received 2017-10-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DIRECMANAGEMENT, INC. (GA)

On XXXX XXXX, 2017 Direct Management placed an account for the amount of {$950.00} on my credit report in violation of the Fair Credit Reporting Act. Direct Managment failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account Direct Managment is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.
Consumer complaint received 2017-10-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NY)

From when I opened my first checking and savings account with TD Bank, I was wary of charges and fees I wanted to avoid. I was told the account I opened was best for my needs as a college student and consumer. I was not explained about exactly what the overdraft policy and fees would be like but that I could transfer funds between my checking and savings. 
At one point, I was overdrawn often with {$35.00} fees several times per month. When I called customer service, I was told that I had a setting to accept overdrawn transactions which was why there were so many individual fees. Ultimately, I visited a store branch manager in XXXX XXXX, XXXX and spoke to the agent who opened my account at my local XXXX XXXX XXXX XXXX XXXX branch in XXXX 2017. 
They claimed they were unable to waive any fees. XXXX XXXX XXXX, the more responsive branch manager there said she would look into it and the agent would have her review it. I was told they were something additional she could do after so many fees on the account, especially since I was ready to close the account at that point. 

I also indicated and signed a document to make sure that overdrawn transactions would be declined to prevent the fees from being added on. Any transaction that would cause me to overdraw is no longer automatically authorized. This change never happened officially which seems why I received so many more fees, putting me deeper in a hole and loss of personal income to so many fees. The branch manager XXXX XXXX and I never spoke after and I lost her contact information directly. I tried calling customer service and that led nowhere.
Consumer complaint received 2017-10-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

This is to follow up with my previous complaint that I filed for Bayview Servicing. Bayview servicing put me on worse financial situation. Bayview scheduled a sale date on my home when did n't help me to put me on a payment plan to keep my home. I had to borrow hard loan money with high rate and pay the back payments to Bayview because I want to keep my home. Now, financially I am in deeper debts and higher monthly payment, I am in worse financial situation. I do n't know how long my family and I can survive.I did file for XXXX XXXX to find a remedy but it was a temporary solution. As I learned within last few years, there are different plan to help homeowners to keep their home. Bayview or its investor can lower my rate and or extend the time to reduce the monthly payment, they do n't do it. Selling my home does n't do any good for us. Bayview offers to sell my home but I spent our life saving as down payment and for last few years I paid principal and interest to make equity on my home which can be our future asset, by selling my home all of my down payment and principal payments that I made will get disappear - I do n't get anything back. Where and how I am going to go with family of 8 people. Bayview claims that they conditionally pre-approved me for liquidation options as : sell the property, Pre-foreclosure XXXX, or XXXX. All of these options are in favor of Bayview. If my property has equity on it then I do n't need to be pre approved for the above options because it can be just a regular sale of my home. I borrowed hard loan money to prevent my home auction but this drains my family food and medication resource down to pay the high payments to Bayview and private lenders. I want to keep my home just because of family situation that I have and said for many times in my hardship letter that I sent to Bayview and asking for help to do it. I know there is a way for Bayview and or its investor to work it out with me to lower my monthly payment.
Consumer complaint received 2017-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (CA)

On XXXX/XXXX/XXXX I received a charge of {$32.00} on account ending XXXX. Also, on the same date for account ending XXXX I received a fee of {$1.00}. I have XXXX accounts with Citibank and a few months ago I realized I 've been getting monthly charges in the range of {$3.00} to {$50.00} a month. Also, on my personal checking ending XXXX I keep getting {$30.00} fee 's every month which I was unaware of until I was in a negative balance when I was told to just make one and leave {$100.00} in it which I did. I keep getting these fee 's and they said since I did not catch it right away they could only reverse the ones that were the month prior after the back office had a look. I was told I would get a resolution in a day and its been XXXX weeks. I call in and the bank manager gets angry saying he does not have time to be checking these.
Consumer complaint received 2017-10-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BBVA FINANCIAL CORPORATION (WI)

Dear XXXX, XXXX XXXX XXXX recently declined from over XXXX to less than XXXX because a credit card company ( BBVA Compass ) has been posting a delinquent account on my credit report. I have not received any written notification of the debt or my right to be able to dispute this debt. I have not received a single phone call or letter from this company. I called them multiple times in the month of XXXX to try and settle this alleged debt by paying off the amount they were requesting if they would remove their negative account from my credit report. 

They have still not sent me a written notification of the debt despite my email and phone calls on XXXX XXXX, XXXX in which I gave them my most recent address. 
The person I spoke with was collection agent XXXX XXXX ( XXXXXXXXXXXX, XXXXXXXXXXXX, phone number XXXX XXXX. I have called this number back several times over the last few days in an attempt to settle this alleged debt and have the negative information removed from my credit report. However, after being on hold for over an hour, I have not been able to speak with anyone. 

I am a physician with a very busy schedule and a high patient volume. I really can not afford to spend so much time trying to settle a debt for which I have received no notification to date. I believe that in order to protect my rights as a consumer, an intervention from the CFPB is urgently needed. 

Thank you, XXXX, XXXX XXXX XXXX off on writing full name as per guidelines above )
Consumer complaint received 2017-10-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Miller, Stark, Klein and Associates (IL)

I have received XXXX voice mail messages over the past couple of days. They were automated and difficult to understand. I basically heard part of my name and they said it was an urgent matter regarding my social security number. I do n't have any accounts in collection so I assumed it was the wrong number. Today I received a message from " XXXX '' from MSK & Associates Mediation. He said my social security number, name, and XXXX were involved in a " concerning matter ''. They also said they attempted to contact me at my home address which is not true. They are threatening to get a warrant for my arrest and contact my place of employment and/or immediate relatives. This concerns me because I do n't know what " debt '' they are referring to and I am worried that they have my SSN and other information. The contact number is XXXX XXXX XXXX.
Consumer complaint received 2017-10-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (CA)

Lender had orchestrated an outcome I lost the property title as a collateral for the mortgage, but kept the obligation. If not required by lender it would not have happened. I would not grant title to anyone if not relieved from the Promissory Note. The " sale '' simply would not proceed. I expected and trusted this lender to be a safe process same as sale when escrow holds docs and swaps them at the right time. Perhaps lender wanted to forfeit all interest-only paid by now forcing refinance instead of assumption or its been other form of long term strategy. Lender kept dragging it for 3+ years  bouncing between departments without resolution. This would not go that far if in the beginning of XXXX they would simply approve modification or allow for short sale like with everyone else in this country. We have applied for help in the right order. The outcome is lender refused to transfer balances to the new owner and breached the assumability of the loan document. It bears some commonality for modification scam when I applied for it and more than a year later been directed to assumption package instead, and it required signing over the title to someone else. 

Main issue : Why lender encouraged us to perform an assumption instead of completing modification/short sale? 

Why lender did demand transfer of property title in order to file assumption package? 

Main damage : I cant sale now to pay off balances, because I am no longer on the title.
Consumer complaint received 2017-10-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: McCalla Raymer Leibert Pierce, LLC (FL)

This company contacted me and left a very threatening voicemail. Said company stated that if they were not contacted back would pursue legal action. Also did not state what it was regarding leaving an assumption that I have done something wrong. Contacted company back and the person on the phone threatened to sue me for a dead debt that is over XXXX XXXX XXXX. I stated multiple times that I do not agree to this debt and the company insisted that I had. Repeated over and over again. Then stated that since I agreed to the debt it starts over the statue of limitations for the next XXXX years. I know the law and this is not true and told the man this who became more irate and threatening to sue me. Continued until the company hung up on me.
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

In XXXX I noticed on my credit report accounts from XXXX XXXX which I disputed as to their validity and also that the accounts were already paid under another debt collector and requested deletion. I never received information on the account in the 30 days nor has the account been deleted from my credit report. The delinquency is also listed as initially in XXXX which would as per XXXX OWN credit reporting policy of older than 2 years from initial delinquency it should have been deleted.
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On or around XX/XX/XXXX, I received an e-mail alert from Experian stating that XXXX XXXX reported my credit card account ( Account # XXXX ) as being delinquent or late for 30 days for the month of XXXX, which is inaccurate on account of the fact that I pay my the minimum amount due by the XXXX of each month ( the billing due date ) and I would normally get an e-mail reminder from XXXX XXXX stating that I have a new bill for my account prior to the XXXX. I immediately contacted Experian XXXX XXXX at XXXX on XX/XX/XXXX to dispute the incorrect status on my report from XXXX XXXX. On or around XX/XX/XXXX, I received an e-mail alert from Experian stating that my dispute results were ready ; however, I noticed that XXXX XXXX has not taken the proper steps to update my credit report and provide the correct status of my account from Late to Current. I then contacted the Credit Bureau Team at XXXX XXXX on XX/XX/XXXX at XXXX around XXXX XXXX and I was able to talk to two representatives on two separate occasions ( XXXX and XXXX ) who informed me that there was nothing that they could do regarding updating the status on my credit report despite the fact that I was informed by an XXXX XXXX Customer Service Representative on XX/XX/XXXX at  XXXX that I needed to contact the Credit Bureau Team to have my report updated. The XXXX XXXX Credit Bureau Team representatives I spoke to on XX/XX/XXXX referred me back to the Customer Service Department at XXXX so they could be able to assist me with updating my credit report. Around XXXX XXXX, on XX/XX/XXXX, I contacted the Customer Service Department at XXXX and spoke to XXXX or XXXX who told me that I needed to call the XXXX XXXX Credit Bureau Team to have the issue resolved despite my best efforts to explain that the Credit Bureau Team referred me to the Customer Service Department on two occasions. The bottom line is that I had been given the extensive runaround and no one from both departments could not resolve the issue. I have attached copies of my billing statements for XXXX, XXXX and XXXX and the billing statements clearly reflect that I pay my bill either before or on the due date, which is the XXXX of each month.
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I had a vehicle purchased through XXXX and had an accident in XXXX of XXXX. The vehicle was damaged beyond repair and the insurance arm of XXXX made payment to XXXX bank for the vehicle. Fast forward XXXX years, I have been accepted for other forms of financing, and was applying for a small business loan and in XXXX XXXX there is a charge off on my credit report from XXXX. They had sent the account to XXXX and as soon as I was made aware, I challenged the account because I had no idea it existed. When they told me it was from that same vehicle and I owed {$3900.00} and some change, I paid the account in full. 

I then contacted XXXX to make them aware that they are supposed to notify me that I had a missed payment, or even that a payment was due. They did not. They keep telling me they have records of the attempts to notify me, but I have n't moved and my address has been the same. 

As soon as I was made aware of the debt I promptly paid within a short amount of days. Had I been made aware of the debt, more than 2 years earlier, I would have done the exact same thing and paid.
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

Hello - I signed up for a trial of Experian XXXX XXXX XXXX but when I tried to cancel it I was put on hold for XXXX minutes and then had to hang up. I am on hold again as I write this -- so far I am on hold for XXXX minutes. I have written to their offices in XXXX XXXX, CA and XXXX, Texas trying to resolve this rather simple matter. I will attempt to attach copies of these letters. 
I seek a refund of {$24.00} and more importantly want them to stop billing my credit card. 
The real crime is amount of my time they have wasted. 
More informally, this really smells of " scam ''. 
I am considering bringing them into a local court and also notifying my XXXX Congressman and and my XXXX Senator. I have a strong suspicion these guys are routinely ripping off Americans.
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KY)

I had a vehicle purchased through USAA and had an accident in XXXX of XXXX. The vehicle was damaged beyond repair and the insurance arm of USAA made payment to USAA bank for the vehicle. Fast forward XXXX years, I have been accepted for other forms of financing, and was applying for a small business loan and in XXXX XXXX there is a charge off on my credit report from USAA. They had sent the account to XXXX and as soon as I was made aware, I challenged the account because I had no idea it existed. When they told me it was from that same vehicle and I owed {$3900.00} and some change, I paid the account in full. 

I then contacted USAA to make them aware that they are supposed to notify me that I had a missed payment, or even that a payment was due. They did not. They keep telling me they have records of the attempts to notify me, but I have n't moved and my address has been the same. 

As soon as I was made aware of the debt I promptly paid within a short amount of days. Had I been made aware of the debt, more than 2 years earlier, I would have done the exact same thing and paid.