davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (LA)

Failure to pay my property taxes by SLS, even though I have called them over 7 times and asked them to pay them. They refuse to call me back. Also, they paid the property taxes on another piece or property I own which was refunded to SLS in the amount of {$94.00} by the XXXX XXXX tax assessor who informed SLS that they paid the wrong taxes. SLS refuses to credit my escrow account for the refund. I faxed them a copy of the correct property tax assessment on or about XXXX XXXX, 2016, which they confirmed receipt of and yet they refuse to pay the property tax and refuse to call me back and/or speak with me. Now there are over {$100.00} in interest and penalties due in addition to the {$1500.00} in property taxes. I have made 7 or 8 phone calls in the last two months to no avail. The representative tells me they are researching the problem ; she then transfers me to a supervisor which goes directly to a voice mail. After leaving a long detailed message, I have not received one phone call back and the delinquent tax bill which is now 3 months overdue is still not paid.
Consumer complaint received 2016-04-14
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (AZ)

I asked BMW Financial services for an extension on my lease pmt back in due to a medical emergency in XXXX to which they replied that could not be granted in a lease but the offered if i made a pmt then, they could change the date to give me time to catch up. I agreed and made the pmt and the change of date but instead of benefiting me they added another pmt. they violated the agreement and multiple managers agreed, but as of today after keeping my original agreement I do remain in a constant almost 30 day past due incurring fees.
Consumer complaint received 2017-07-20
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 — Investigation took more than 30 days
Company: Georgia Student Finance Authority (GA)

On XXXX XXXX, 2017, I received a letter from Georgia Student Finance Authority. The letter informed me that the request for loan discharge " has been approved. '' It further explained what this decision meant to me, which was " This discharge releases you of any financial obligations on the loan. '' After reviewing my credit report on XXXX XXXX 2017, I noticed that my credit report did not reflect accurate information regarding Georgia Student Finance Authority. Due to the fact the information was incorrect based on the letter received. On XXXX XXXX, 2017 I initiated an online dispute with XXXX. XXXX XXXX, 2017 I received notice that the investigation for my dispute was completed XXXX XXXX, 2017. I contacted XXXX concerning dispute, requesting for the account to be removed from my credit report. The investigation took longer than 30 days to resolve ; however XXXX refused to comply with the FCRA compliance. This action has affected me in a negative way
Consumer complaint received 2016-03-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NC)

XXXX and XXXX Subject : Ocwen Loan Servicing , LLC Phone # XXXX Loan #. We have a major problem with Ocwen Loan Servicing. Ocwen foreclosed on our home XXXX XXXX XXXX. They refused to go over our Deed in Lieu after they made a critical mistake on the documents sent to us to SIGN. Ocwen left out XXXX XXXX XXXX lien then claimed we were late however they would view our paper work. They have for closed on this loan and the tenant has stopped paying rent. We do not believe how inept Ocwen is - now everybody lost. 
After receiving papers back their information was not correct - they put on the form that we did not have a XXXX mortgage - tried to get me to sign & send with a " Trust Me '' statement. 
I informed Ocwen of our problem and they gave me new blank sheets of paper we ultimately filled out for a " New Deed In Lieu ''. We corrected the mistake which was the XXXX lien holder they left off of our home with XXXX XXXX XXXX. 
We have a tenant and a broker however tenant NOW will not pay rent due to for closure of Ocwen. Ocwen will not honor the rent payment - non of this makes sense, we lost the tenant, she is suing, manager is upset, we are upset, everybody is loosing. 
They are now asking for my income for last two years. I received SS of XXXX in XXXX and spent the time caring for my wife - XXXX. In. XXXX we lost {$71000.00} due to economy and real estate. 
XXXX
Consumer complaint received 2016-10-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have waited several days to see if I get resolve for this unauthorized transaction to my account of {$210.00}. I hate filling out complaints, and claims because it 's embarrassing and as a customer of such a big bank like Bank Of America it should be easy for them to refund me my money, and because I am a loyal customer and so is half my family. I call numbers back and leave messages and I get now call back of follow ups! No, money had been returned and my bills keep coming and I am negative {$2.00} cause of this. If I had thousands I would n't complsin, but I still work hard at XXXX yrs old to make ends meet and I ca n't afford these types of things to happen to me, because they cripple me financially. I just want my bank to support me in times like this, because we are their customers and keep them going!! Why have a bank if they give you the run around, or just do n't help when you as the customer really need it. Sad this bank and their ways.
Consumer complaint received 2016-10-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Please see the attached cover letter. It pertains to significant fraud that has been allowed to go on within many of the largest XXXX. 

Please make a good faith effort to investigate and stop these practices in a timely manner. No disrespect intended but it would be unwell for the media to report in 2023 that these companies knew of this fraud 7 years earlier. 

It is estimated that at least XXXX XXXX consumers have been adversely affected by these bad actions.
Consumer complaint received 2016-10-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (GA)

I deposited Cash in the amount of {$960.00}. The following day I deposited a check in the amount of {$550.00}. When the ATM machine read the amount it said {$650.00}. There was not an option to change the amount. I know that the bank teller will retrieve the check and enter the right amount upon receipt. On Monday XXXX XXXX my brother deposited XXXX cash into my account. Now the check is on hold and I a being charged a overdraft fee for several transactions.. I spoke a XXXX XXXX at the BBT Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX She was extremely rude and told me that since I made the mistake at the ATM, which I did n't that was the reason I was receiving a overdraft fee. The overdraft fee is now XXXX. I can not get anyone to help me resolve this issue. I spoke with 5 people at the bank and everyday I am being charged a new overdraft fee. I spoke with XXXX XXXX at the XXXX XXXX Branch, XXXX XXXX at the XXXX XXXX Branch and XXXX XXXX. I also spoke to a XXXX XXXX at the call center in Texas. She took my complaint and advised that someone would get back to me within 24 hours. I emailed the Branch manager at the XXXX location for assistance, but he was on a conference call and has not gotten back to me regarding the overdraft fees. The date for these transactions were XXXX XXXX, 2016. BBT is constantly charging me overdraft fees. This is ridiculous and costing me a lot of money. I was also charged an overdraft fee on XXXX XXXX. I was told by the Customer Service rep that there was a n my paycheck from my job check that I have been receiving weekly. The total amount of charages was {$200.00}. I had XXXX in the account. I want to know why I was charged {$100.00} in overdraft fees. This bank is ripping me off and I need help please. I am on XXXX from a XXXX where my XXXX. I am in XXXX to rise. I need to know if BBT is going to be responsible for any additional medical treatment I may need from the XXXX of all this.
Consumer complaint received 2016-10-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Please see the attached cover letter. It pertains to significant fraud that has been allowed to go on within many of the largest US banks. 

Please make a good faith effort to investigate and stop these practices in a timely manner. No disrespect intended but it would be unwell for the media to report in 2023 that these companies knew of this fraud 7 years earlier. 

It is estimated that at least XXXX XXXX consumers have been adversely affected by these bad actions.
Consumer complaint received 2016-10-19
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (TX)

I was put under Financial Review. I submitted the requested information the same day it was asked for ( XXXX/XXXX/2016 ). A few days later I received a voicemail from XXXX XXXX and I returned her call, only to get her voicemail ( during her working hours ). We played phone tag XXXX or 3 times. On XXXX/XXXX/2016 I was notified by mail that my account with AMEX was closed. I called AMEX ( an option in the letter ) I was told my financial review was n't done because they needed more information and it was not obtained, therefore my account was closed. However, this was never told to me in any of the voicemails from XXXX XXXX. Again, I was directed to XXXX XXXX and we played phone tag 2 or 3 more days, the last call that was made was me leaving yet another voicemail for her, to this date I have not heard from her. I then wrote a letter to AMEX ( that was another option. ) I asked them to call me but I have yet to hear from anyone with AMEX. This was 30 days ago.
Consumer complaint received 2016-11-03
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I am reaching out to your organization in hopes that you can assist or at least help me to see that my complaint is acknowledged. I have paid several companies thousands of dollars for various online business opportunities and have found myself as a victim of a professionally orchestrated scam. I would like you to investigate my charges on my card made by these fraudulent companies : XXXX XXXX XXXX and XXXX XXXX. I got contacted by these companies by unsolicited telemarketing phone calls and they promised me a profitable at home business. The reason for this dispute was due to their deceptive sales tactics they used to obtain my business. It is clear that they never intended to fulfill their end of the deal. They did not provide the services I was sold.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MI)

I have filed several complaints with Equifax, XXXX & XXXX in regards to information from a creditor in regards to some medical bills that I am not aware of from XXXX XXXX XXXX in XXXX, MI. I have filed several complaints with the creditor and credit bureaus with no success in having them removed. I have been doing the run around game with the credit bureaus since XXXX of XXXX and they refuse to fix the problem.
Consumer complaint received 2016-06-25
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SYNCHRONY FINANCIAL (MN)

This is concerning a debt I found on my credit report last XXXX ( attached ). I tracked down this debt as a bill from a joint account before I filed and went through an ugly divorce in XX/XX/XXXX. There are XXXX anomalies on my credit report concerning this debt. I attempted to resolve this debt in XX/XX/XXXX when I started a debt management program with XXXX and was unable to locate the owner of this account. I have not received any written correspondence regarding this account save the return of the letters I 've written this year. ( I received almost no mail in XX/XX/XXXX due to it being forwarded by the person with a XXXX I was divorcing ). I have tried calling this creditor at least XXXX times last year - leaving messages that were ignored, and wrote letters on XXXX XXXX, XXXX XXXX, and XXXX XXXX of this year trying to resolve discrepancies on my credit report regarding this debt. With each letter I included a check for the full amount beyond the discrepancies. Each of my letters and checks were returned without any response save an enclosed sheet with their address on it ( attached ). The XXXX discrepancies I need addressed are : * ( 6 monthly payments of {$94.00} from XXXX not deducted from the balance principle. 
*A difference of {$340.00} between the amount claimed I owe you and the high balance of the card listed.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NC)

The account XXXX Date of First Delinquency has been re-aged on my Equifax credit report as 2014. This account has been delinquent since XXXX. The account has never been brought current. 
Line Item : XXXX XXXX, acct number XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX Line Item : XXXX XXXX XXXX, XXXX LLC. Attn : Research Dept., XXXX XXXX XXXX , XXXX FL XXXX I have disputed this information several times with the disputes department at Equifax. The information will be corrected and then re-aged again.This information has fallen off of my XXXX and XXXX file. I am working hard to correct my credit mistakes and this matter is causing me great distress. I am respectfully asking for your help. 
I have enclosed a copy of my original loan payment history from XXXX ( original loan holder ) with the clear first date of Date of First Delinquency as XXXX ( no more regular payments made after that point, escrow is in the negative ) as well as a copy of my Chapter XXXX bankruptcy from XXXX ( XXXX behind in payments ), making it currently XXXX XXXX XXXX. This account has continuously been sold and resold. XXXX ; XXXX XXXX XXXX then re-added to my credit report and now re-aged. This is a fraudulent practice.
Consumer complaint received 2016-12-20
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (GA)

I made the mistake of opening a Lowes credit card and it has been a nightmare ever since. They charged me late fees on items that were NEVER PICKED UP and Lowes was notified that I was canceling the order and now they are reporting that my account is XXXX days late? I used this card ONCE and it will NOT GO AWAY. They started me out with a {$500.00} limit and because I had not noticed that the inept people at LOWES did not process a return when they should have they reduced my limit to {$100.00} further damaging my credit. I do not owe late fees for a balance resulting from RETURNED items.
Consumer complaint received 2016-10-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (VA)

To who it may concern : In XXXX 2016, I submitted a employment background investigation, and was informed I had collection accounts on my credit report. To my surprise, I was un aware of this debt, nor did I receive notice from the collection agency. Even to this day, I make them send things via email, because I do not receive mail. I immediately contact the agency to make payment arrangements and paying right away. Previous, I spent a year address things on my credit report. There should n't have been anything outstanding or negative. I was in dispute of the debt, however had to clear debt to complete clearance. Now, that I am down to the final payment of the debt, I was informed by XXXX of the credit reporting agency to have the debt removed it would have to come for the collection agency. I am requesting to have this debt removed because I was not contacted and given time to dispute this debt. It is impacting my negatively. Preventing me from being able to provide essential living things for my daughter and myself. The collection agency does report when payments are made, I have to continuously call in. Thanks in advance.
Consumer complaint received 2016-03-02
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (NY)

In 2009, I went to XXXX XXXX in XXXX, NY for XXXX XXXX XXXX. One of the XXXX XXXX employees offered me an option to apply for a Care Credit credit card, in which it would pay for my loan and the card was also interest free. I was never advised of any other terms of the card. I accepted it and went through with the procedure. I continued to pay on my Care Credit account, with no late payments, until it was approximately half-way paid off. I then noticed my pay off balance had substantially increased. I contacted Care Credit via phone and they advised me that, since I did not pay off the entire balance during the " promotional period '' that all of the interest was applied back to my account. I was not made aware of this by XXXX XXXX nor Care Credit and I was completely taken off guard by their response. If I would have known then I would have certainly paid off my balance in that time period.
Consumer complaint received 2016-10-19
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (TN)

In XX/XX/XXXX I purchased a vehicle. Within 6 months I turned it in to avoid repossession. It was XX/XX/XXXX and I received a notice from Professional Bureau of Collections of Maryland , Inc that I owe XXXX for an old debt. I requested a letter of validation in XX/XX/XXXX. I just received it dated XX/XX/XXXX. It shows loan date of XX/XX/XXXX and then XX/XX/XXXX I believe is the turn in date. It shows no activity for 5 years then in XX/XX/XXXX it shows a payment of XXXX was made ( which I did not make ). Then no activity for 3 years and then it shows payments of XXXX each for 23 payments until XX/XX/XXXX. I made none of these payments. I believe they made these payments on my behalf in order to extend the statute of limitations. This account is 11 years old and should be well past the statute of limitations. It shows XXXX as the balance on page XXXX but on the letter it shows I owe XXXX for a vehicle I turned in after 6 months.
Consumer complaint received 2016-10-19
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: Sullivan & Terranova (WA)

this is a multi area complaint. at first several years ago. Sullivan and Terranova, Lawyers, ( XXXX XXXX XXXX XXXX, XXXX OR XXXX, XXXX ) contacted me about a student loan that had not been sent to collections yet due to the fact that I could not pay the amount the loan company wanted me to pay. they said i was going to be sued for the amount due and that i had to either start making payments in the full amount or get sued. I at the time was making {$9.00} an hr in a XXXX job and had XXXX other student loans i was paying the minimum on. I just did n't have the money to pay {$400.00} a month. I know that they could not legally take more then 10 % of my pay for loans and told them That i would only be able to give {$150.00}. I paid that amount every month for 4 years never once getting a monthly statement letting me know my balance or my interest paid for tax reasons. I had asked multiple times via phone calls and was told that they will not give me monthly statements and that if i did n't keep paying that i would be sued. in XXXX on XXXX i I was given money from a family member to pay them off and i offered them {$15000.00} to settle the account. they accepted given that i paid with in 2 weeks. i meet their criteria. they stated that i would get a confirmation within 30 days. its now XXXX/XXXX/XXXX and I 'm still fighting for them to give me a confirmation of my settlement being paid in full. it still reflects on my credit as not being paid off. despite repeated request i have still not been given any details of who they are representing or the ability to ask that company for my payoff letter with loan account number on it. my credit still shows that i owe the money even though they accepted my settlement and payment.
Consumer complaint received 2016-06-21
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A. ()

I am a XXXX citizen. 
I do have a fund of XXXX with the CITI-Bank. 
Because of the new XXXX rules the bank asked me for the transaction of this amount to pay XXXX .I have payed this amount. 
The Bank asked me after this payment to pay another XXXX for the transaction. 
This procedure seems very strange to me. I have the suspicion of a fraudulent procedure
Consumer complaint received 2017-08-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (AZ)

XXXX XXXX continues to call a place of business for someone that does not work here. I have asked them to remove our number over three times now and nothing changes. They list a number to call to have your number removed but obviously it does nothing. It is getting very annoying that they call almost daily and give us NO way to make it stop. This is a business and we take important calls!