davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (SC)

My home was completely destroyed by flood on XXXX XXXX, l was told by my insurance adjuster that they would contact Chase ( my mortgage carrier ) and arrangements would be made so l would not be expected to make further payments in lue of the mortgage being paid off. My insurance company sent several emails requesting information to process this interaction, but no response was ever received from Chase. Upon my request to contact my insurance company, Chase refused to respond saying that the insurance company did not need any information from them to expidite the payoff. Upon a phone conversation in which my insurance adjuster made to Chase, they explained that email was not an accepted for m off communication for them and all interactions had to be submitted by way of fax. No contact was made however by Chase to either myself or my insurance company to relay this information and so they ignored any requests that had been made by myself and the insurance company for information relating to my situation.l then made phone calls to Chase to explain the situation at which time after more than an hour and a half on the phone and being transfered to XXXX departments, l was told l could only avoid being reported as delinquent to the credit department if my payment was made before it was more than 30 days past due, which at the time, l was hopeful would be paid off by the insurance company by that time.After several calls to the insurance company and 3 more phone calls to Chase requesting ANY options available to me to avoid a negative report, l was told there was nothing available to me to help my situation. On XXXX XXXX l made one final call to Chase to try and work out any kind of arraingment, l was then told that a mortgage assistance program had been available to me since the beginning and had been set up to assist victims of the flood with exactly this problem! Had l been informed, a simple form should have been filled out and l would not have been responsible for any further payments until the insurance company satisfied the loan. Of course l was told that it was too late to fill it out then because not enough time was left to submit it before the end of business that day when they would be submitting not a 30 day delinquency, but a 60 day one, which they did ... Now that my mortgage is paid off and l am starting over, l must apply for a loan to rebuild a mew home, but probably will not be able to get, due to a drop in my credit score in excess of XXXX points. If our financial institutions have this little regard for people like me who maintained a perfect payment record for over 13 years to them, and because l was a victim of a natural disaster, l am being punished and mistreated, and inevitably will be the one to pay a very high price for THEIR incompatance, then how are we supposed to have any faith in the " system '' or in our governing bodies!!!
Consumer complaint received 2016-02-01
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (IL)

I have ACH debits pending for my business savings account that are posting today. When I tried to transfer funds from my business checking to my business savings, Chase would not allow me to transfer the money to cover the debits, even though I had more than enough available funds in my checking account to cover the transfer. When I called customer service, they instructed me to go into the branch and physically withdraw cash from my checking and deposit it into my savings. I had to take off of work to go to the bank and was still unable to initially withdraw the funds from my checking account in this manner. I was told that since I have Overdraft Protection, Chase 's system put a hold on the funds and would n't enable me to initiate the transfer. After nearly an hour, the customer service rep in the branch finally removed Overdraft Protection from my account and was then able to make the transfer. Chase prohibited me from transferring the funds to cover my pending ACH withdrawals on the day that debits were posting and had I not gone into the bank, I would have been hit with a series of Overdraft Protection Fees through no fault of my own.
Consumer complaint received 2015-04-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (NM)

I went to school at XXXX XXXX XXXX in 2008. I used my XXXX XXXX XXXX XXXX XXXX XXXX that paid for school. The loan was originally with XXXX XXXX. Recently I received a letter from XXXX collection Agency trying to collect on this loan that was paid. They have put a hold on my tax refund to collect on a balance that does not match the loan amount. I believe it is out of statute for them to be even trying to collect a debt on this account. I have disputed the account requesting any paperwork that they have validating the debt and they have failed to provide evidence.
Consumer complaint received 2015-09-17
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (NJ)

Today I received an alert from my Credit Union stating that they had just paid a ACH Debit for Santander {$560.00}. I was outraged due to the fact that I did n't authorize Santander to debit my account for anything and also I no longer own the car that I had. The repossesed the vehicle in XXXX 2013. Shocked so I called up Santander and asked them why did they debit my account this money and they claimed they had no idea what I was speaking about and they have had no payment options for me set up. Well somebody within that company did something. I looked on the back of the check and it states " FOR DEPOSIT ONLY XXXX. Mind you Santander states that they did n't send out my account to any collection agency that they are handling everything on their own. Then how the hell did all of this happen what is going on
Consumer complaint received 2016-02-03
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC. (CO)

XXXX XXXX XXXX XXXX is False Report my Business Account of my employment. XXXX continue to report this on my personal credit report making false reports, late fees, and is discriminating against a person with a XXXX. My credit report has severally hurt me by a XXXX points because of XXXX XXXX XXXX XXXX. I have all documents to prove False Reporting against me. I have also reported a Investigation with the XXXX XXXX XXXX XXXX, Colorado Discrimination/ Fair Housing Act for XXXX, XXXX XXXX , etc. Please have this removed from my personal credit report ASAP. It is being reported on Equifax & XXXX Credit Agency. Please Help!!! ... ... .. Sincerely XXXX XXXX XXXX. XXXX payments are due every month on the XXXX with a 10 day grace period with NO LATE fee. I have all receipts of my payments. Never Been Late!! Business Account!!!
Consumer complaint received 2015-07-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION (TX)

My husband and I have accounts at BBVA Compass Bank. XXXX of these accounts are CDs. Each CD pays interest quarterly. The latest interest for these XXXX accounts was XXXX XXXX, 2015. The interest on XXXX account was delivered via mail on XXXX XXXX, 2015. The interest check on the second CD account did not arrive. I waited until Friday, XXXX XXXX, and called Customer Service at BBVA Compass Bank. I was told there was nothing they could do, that I had to personally drive to the bank for assistance. I went to the bank and spoke with a banker there, who told me that since it had only been a little over one week since the interest check was missing, that there was nothing he could do. I had to wait two weeks for any help. I waited until XXXX XXXX and went to the BBVA Compass Bank location at XXXX XXXX and XXXX XXXX in XXXX, Texas. I spoke with the Bank Manager there who made several phone calls. He determined that the check had not been cashed. He also stated that they would put a Stop Payment on the check and if it did arrive in my mailbox, I should just shred it. He further stated that the replacement check would be processed the same day and I could come back that day for it. I asked him if the interest check could be deposited into my checking account. He said that would be fine. The next day, the Branch Manager called me and said the check would be processed Monday, XXXX XXXX. I could check the website on Tuesday, XXXX XXXX, and the check would show in my checking account. It did not appear Tuesday morning, as I expected. I called Customer Service to see if they had any record of the interest being deposited into the account. XXXX, at BBVA Customer Service, stated there was nothing in the accounts, no deposit, no notes that showed any transaction. XXXX promised to check into the matter and call me back. It is now almost XXXX and I do not think XXXX or anyone else from BBVA is going to call. The interest in question is {$37.00}, not a huge sum of money. However, I have been waiting for this money owed to me for nearly three weeks. What miserable customer service. Unconscionable of them to treat a customer in this manner.
Consumer complaint received 2015-07-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (MA)

On XXXX XXXX, 2015, I called a company to order flowers named " XXXX '', using my TD Bank debit card. This company signed me up for a monthly club without my consent or even asking me. Since then, I have been getting a charge of {$9.00} a month on my TD Bank account. I cancelled my debit card in XX/XX/XXXX, but somehow the company found a way to keep charging my account. This is tantamount to fraud. 
I have been trying to work with TD Bank since XX/XX/XXXX to dispute these monthly charges on my account, but they have frustrated me at every turn. First they said they would not investigate until I provided a " membership agreement ''. I obviously did not have one, as I never signed up for anything. In the last attempt, I wrote to the home office. They sent me a letter saying that they checked their records, and everything seemed fine, but they would dispute it with the merchant if I responded to their letter with additional information. I responded with this information the day I received the letter. When I called to inquire on the status in XX/XX/XXXX, I was informed that they closed the investigation because I did n't respond quickly enough! Then in early XX/XX/XXXX, I wrote another letter to the home office to complain. In it, I requested they perform an actual, real investigation of these fraudulent charges, and that they close the account. They have not responded to this letter at all.
Consumer complaint received 2015-04-21
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Big Picture Loans, LLC (OK)

I received a payday loan and when working out payment they continually attempted to take funds from my account. When I hired a debt consolidation company to help Castlepayday would not speak to them and repeatedly called my work and family members, harassing them and cussing out the office manager at my office. They have called no less than XXXX times a day and have been very threatening to people at my office and family, I did not give them these numbers, they somehow acquired them without my knowledge and have harassed them all everyday even after I have asked them to stop.
Consumer complaint received 2015-07-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CA)

I recently discovered a questionable item on my credit report, which had been paid by my mortgage company before as a financing condition. I went ahead and asked this company to validate the account under the FDCPA. The company failed to provide me with any validation of the account and persevered with reporting the account on my credit report and even verified the account as a valid account instead of reporting it as a " disputed account '' as required by the FDCPA
Consumer complaint received 2016-02-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DISCOVER BANK (TX)

On XXXX/XXXX/XXXX I received a XXXX form from XXXX XXXX XXXX XXXX for an alleged account I never heard about. I never received any correspondences from this company. My husband called and spoke to a XXXX at XXXX XXXX on XXXX/XXXX/XXXX at XXXX time, who told him that the department that handled it was closed at to call back on tomorrow by dialing the same number XXXX XXXX ) to Ext XXXX. We then contacted the original creditor listed on the XXXX ( Discover XXXX ) and spoke to a XXXX XXXX at XXXX time until XXXX time, who informed us that this alleged account was opened XXXX XXXX and was sold XXXX XXXX and the address listed on the account was XXXX XXXX XXXX XXXX XXXX XXXX La XXXX, which I never lived at. we asked if we could file a fraud notice because this was the first time we have heard about this alleged account that 's over 21 years old, he said because the account was no longer in there system they could n't do anything. He gave us a number to the company it was sold to in XXXX XXXX XXXX ) but it is no longer for a collection company. So my husband called XXXX XXXX back today ( XXXX/XXXX/XXXX ) and spoke to a XXXX at ext XXXX and asked her about the alleged account and she stated that they brought the account in XXXX and tried to reach me to collect on the alleged debt. My husband asked her how could they try to collect on an alleged debt that was 10 years old at the time they brought the account in XXXX since the account was closed by Discover in XXXX, she said it was valid at the time to collect on it but the Statute of Limitation of Debt Collection in Texas is 4 years. She was asked how could they send out a XXXX without notifying us of the alleged debt, she kept saying they tried calling and sending mail but it was getting returned, but they were able to mail a XXXX to us at the address we have been having since XXXX, just did n't make any sense. She said we had to send in a fraud affidavit for an alleged account that is over 21 years old to get them to investigate and remove the XXXX, at that time she was advised that the Fraud affidavit requires that we file a police report for Identity theft and that we would be told by the police that it was too old to report identity theft, and she replied you do n't have to contact the police you can fill it out like that and return it. So she was also advised before the called ended that we would be filing a complaint with you CFPB, XXXX and that they were committing Mail Fraud by mailing and reporting an alleged debt that does n't belong to me and because they never sent us anything in writing before they reported the XXXX to the XXXX and mailed it to us.
Consumer complaint received 2015-07-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

We paid off our mortgage with Bank of America in 2013 and have yet to receive our home title. We have asked multiple times for our title and have been transferred to at least XXXX different people who are " working on our case, '' they have opened at least XXXX cases for us, but there has been no resolution and no response from anyone at Bank of America letting us know the status of our case. We try to contact them via the email and phone numbers they have given us, but they do not answer. We have had our attorney contact Bank of America and they basically denied any wrongdoing ; they claimed that this was due to XXXX XXXX XXXX and a missing assignment. It is not our fault if BOFA sold our loan to a third party or lost it. It has been over two years since we have paid off our loan and Nevada state law requires the owner to receive their title within 90 days of being paid off. We are worried we will never receive it.
Consumer complaint received 2016-02-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Every time i ask t have my address changed I get a fraud alert. 

Please change my address and remove the Fraud alerts from my profile. 
Please review my credit score it is incorrect. 

Thanks XXXX XXXX
Consumer complaint received 2015-07-21
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Bronstein & Weiss Arbitration (OH)

Company called work phone number ; left a message that they were attempting to contact me before arrest warrant is issued on a debt that they contacted me about ; I do n't owe any payday company any money ; within XXXX minutes they also called my cell phone same message left with a callback number of XXXX
Consumer complaint received 2015-06-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (NC)

After signing up for online banking statements ( paperless ), I was still charged a fee of {$5.00} per month for " return statements ''. I have called the bank ( BB & T ) several times each year as well as going to a local branch ( XXXX NC ). Each time I was told it would be researched and corrected. Nothing was ever researched and the fees kept coming. Now the bank ( BB & T ) tells me they are willing to refund me one year ( {$60.00} ) of the fees even though I know they have charged me at least {$200.00} or more in these fees. They also took the money from a small savings account with these same return statement fees and closed the account. They say that they have no record of me talking to them regarding this problem or of me coming to the local branch to discuss this problem. The computers show when I signed up for no statements so the error on their part should show the amount they have charged me and how much should be refunded to me.
Consumer complaint received 2015-07-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Homeowner XXXX XXXX accepted terms of a permanent loan modification with Select Portfolio Servicing ( " SPS '' ) on XXXX XXXX, XXXX. ( See Executed Loan Modification ). 
XXXX XXXX continued to make mortgage payments in accordance with the terms of the recent modification agreement until he received notice from SPS on XXXX XXXX, XXXX informing him that an Annual Escrow Analysis review determined an overage in XXXX XXXX escrow account and that his new monthly mortgage payments would be {$770.00} as of XXXX XXXX, XXXX. ( See Escrow Analysis ). In XXXX XXXX XXXX XXXX began making his mortgage payments in the new amount determined and in accordance with the XXXX XXXX notice until XXXX XXXX when he was made aware that SPS had not been applying any of the mortgage payments made since XXXX. IN XXXX XXXX, XXXX, inexplicably, SPS then unilaterally unmodified the loan. ( See Billing Statement ). SPS should have honored the terms of the Loan Modification Agreement and should have accepted the adjusted payments remitted based on their own escrow analysis. 

XXXX XXXXFind all supporting documents as a single attachment enclosed.
Consumer complaint received 2015-12-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-02-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

The mortgage servicer Rushmore Loan Management Services did not provide me with the Notice of Transfer Letter in accordance with 12 CFR 1024.33. The transfer was done on XXXX XXXX, 2015. Regulation X prescribes the requirements for Notice of Transfer under 1024.33 ( 12 CFR 1024.33 ). I, the borrower should have receive the notice from the servicer at least 15 days before the date of transfer of servicing.
Consumer complaint received 2015-04-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northstar Location Services, LLC (TX)

I am being contacted by Northstar XXXX XXXX, XXXX, New York, for information about someone else. 
I told them I have no information for them. 
I asked them not to call me. 
I keep getting calls on my cell phone while I am at work. 
I have no idea how they found my information because I am not a co-signer or co-debtor. 
I do not want them to call me again.
Consumer complaint received 2016-02-02
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: CAVALRY INVESTMENTS, LLC (CA)

I got a letter in the mail XXXX. from Calvary Portfolio Services stating that they purchased my debt account from XXXX XXXX and are now the owners. Since then they have called me repeatedly ( sometimes once a minute for XXXX mins ). they have called my girlfriend, a past Employer of mine who called me to let me know a " Private Investigator '' was looking for me, and today called my brother ( immediately after calling me and leaving the voicemail below ) with the following conversation : " Is XXXX there? Is this XXXX Where is XXXX XXXX ". My brothers phone number was NEVER listed on any appliaction of mine anywhere which led me to believe that they found his name and number illegally. This is the phone call I received at about XXXX from " Unknown Caller '' which I did not answer. This is the Voicemail left : " Yes, Uhm Good Afternoon, my name is XXXX XXXX , Im a Private Processor with the County Serving Courts, and this is a request to serve you a summons regarding a lawsuit that is being filed against you at this time. Now, the firm that has filed the suit against you has asked me to provide you with a courtesy call with their contact info meaning, if you have any questions or concerns regarding this matter, please contact the XXXX XXXX XXXX XXXX at ( XXXX ) XXXX. When calling please refer to your case number which follows as : ( random numbers-CV ), thank you ''. I recognized what was going on when he gave me the phone number to call for that " XXXX something XXXX XXXX ''. That number is the phone number for XXXX XXXX XXXX, a debt collector.