davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (IL)

I am reaching out after experiencing the most frustrating phone call with your Customer Service Representatives. 
In XXXX XXXX, my XXXX financed through Ally Financial was totaled. My personal insurance and GAP insurance covered the expenses leaving a $ 3,300+ balance for me to pay. I call Ally Auto to inquire about the payment terms/dates in late XXXX early XXXX. I was informed I would not have to resume payment until XXXX after my original contract date was up. I was excited as that would afford me the funds to purchase another car, keep my job, and stay current on my student loans. Yay me! I asked for the billing statement for my records. Received in the mail shortly after and moved on with life. 
Fast Forward : In late XXXX I pulled my credit report. I noticed that there were XXXX 30 day late payments on behalf of Ally. I was sure that those were erroneous as I entered into a payment arrangement. I called and after being transferred a few times I reached a very helpful gentleman that recognized the error and put in a request to be overturned. As we ended the call he informed me that my next payment was due XXXX XXXX, XXXX. In complete shock, I asked why and informed him of the situation outlined above. He followed up with another department and told me I would receive a call back and if not to call in XXXX weeks. 
Today, XXXX XXXX, XXXX : I never received a call and took it upon myself to reach out since then I received a new bill in the mail with the XXXX XXXX date. After being transferred a few times I reached XXXX badge no. XXXX. At first I was happy, she was going to help right? Wrong! I explained the issue that I was told in writing that my payment was n't due until XXXX. She explained that there was nothing that she could do except for transfer me to make a payment arrangement for the current due date. I explained that I have since rearranged my life and I do n't have an additional {$500.00} to pay based on information Ally provided. 
After trying to convince me that the payments on the account were still pending until XXXX, I went back to my file and pulled documentation stating that both policies were paid out in XXXX/XXXX XXXX. So why would a reassessment of my account take place in XXXX XXXX? She then told me that it was policy. Ally requested an extension to find out why GAP did not cover the remaining balance. Here is my issue. Ally never informed me. I never received a call, letter, or e-mail stating this, and that the billing date once issued could change as a result of this extension. Also, why would this take an upwards of 5 months to complete? After requesting to speak to a supervisor she told me no one would take my call, but I will receive a call within 2 days telling me that nothing could be done. My question to whomever is reading this is : Can something be done? I want to be responsible, but I would love to be met half way and that the error be acknowledged.
Consumer complaint received 2015-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

HSBC ( formally Household Finance ) has been a thorn since I purchased my home. It was predatory XXXX loan that eventually had an interest rate that exceeded 13 %. I eventually got a modification and have been paying my note on time since XXXX that included a 36 month payoff of taxes and insurance they said I owed. I paid the extra from XXXX through XXXX ( XXXX XXXX payment to the ancillary was for {$590.00} and even higher amounts as noted on XXXX page of the " house note log '' included ) even after I received a letter XXXX XXXX stating it would be placed on the back of the loan per government regulation. I wanted to be done with it so I paid it off. In XXXX I received my new mortgage amount based on my lower escrow cost and by XXXX I received another letter stating that I would pay {$100.00} for lender advanced taxes that I had already paid off during the XXXX 36 months of the modification. I have kept all my payments and letters from them but it will take time to put the years together. When I called to inquire about this they told me that I still owed over {$3000.00} and had only paid ~ {$300.00} which is not true. This company appears to be attempting to swindle me out of funds I really do not have. I have sent them a letter requesting my loan activity since XXXX which will of course not be sent to me before my house note is due on XXXX XXXX, XXXX. This is causing me a hardship since I live on a fixed income. They have also added several fees to my loan over the years. They show all sorts of late fees and other fees I know nothing about that appears to be padding the loan and they do not show my statement on line. Any assistance you can give me will be appreciated. Thank you * I did send a request to HSBC but the date ways XXXX rather than XXXX as the start of the modification payments.
Consumer complaint received 2015-08-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC (IL)

The owner of XXXX XXXX XXXX XXXX offered a 12 month membership for the cost of 6 months if paid in full. I paid the amount on XXXX XXXX, 2015. The owner closed the business on XXXX XXXX, 2015. I disputed half the amount with my credit card company since I was only able to use the gym for less than 6 months, being that the owner was in breech of contract of the 12 month deal. I feel I was deceptively charged since owner knew he was closing gym in 6 months time as evidenced by the realty company filing an eviction suit against him for non-payment of rent, and settling with him on XXXX XXXX, 2015. My membership was cancelled and I was then sent to collections one week after the gym closed for triple the amount I disputed with my credit card, which is still being investigated. The owner has done the same thing to many other members of the XXXX XXXX gym, and XXXX other gyms he has abruptly closed in the past year. I 've also received immature, nasty emails, texts and messages on social media from the owner. My credit card company recently called me and informed me that the owner rebutted my dispute by saying he was still open for business and I cancelled my membership. I have to now prove that he is indeed out of business to my credit card company. I have several letters proving that XXXX XXXX XXXX XXXX is closed and has been since XXXX XXXX, 2015. Also, new memberships were sold to people after the settlement date with the realty company on XXXX XXXX, 2015, which is fraud since he knew he 'd be closing the gym on XXXX XXXX, 2015, permanently.
Consumer complaint received 2015-07-25
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: POPULAR BANK (DC)

I received a combination letter/form fromPopular Community Bank. The letter indicated that I had an inactive account ( the account number was on the letter ) that would be turned over to the XXXX if I did not take some steps to activate the account by a date in XXXX. I called the number on the form ( I checked on line and the number on the form was the number listed for the bank ). I spoke with a representative to confirm the contents of the letter and asked how to just withdraw the funds. I was told that the account needed to be reactivated first before the withdrawal could be made. I asked if the request for withdrawal could be made at the same time as the activation request. I was told yes and returned the form with my request for the withdrawal of funds. On XXXX XXXX, 2015, I received a call from E-Loan where the original account had been opened. I was told that if I wanted the funds withdrawn, I would need to do so on the e-loan site not in writing as previously told. I took the number and called back ( the number listed on the e-loan website was the same number I had been given ), talked with someone else who gave me the same information. I spoke with XXXX representatives of e-loan and XXXX representatives of Popular bank. Each said I needed to follow the e-loan process. I went on line to make the request yesterday. When I entered my information to set sign into the account ( I was really setting up and account because I could not find the original account information ), I received an error message. I also sent an e-mail to Popular Band customer service but have received no response. I am worried that I have been the victim of a scam.
Consumer complaint received 2015-06-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I fought this medical debt over a emergency XXXX w/my insurance for 2 years, it is now paid in full by me, but there are several things wrong in the details. 1. This account was NEVER verified EVER with me, I asked for it via dispute XXXX times & received canned response that it was.they claim calling and inquiring about it counts as verification.2.delinquent date is listed as XXXX, WHEN I was still in the hosp I was already delinquent? 3. terms are listed as 1 month? there was no terms.4.It lists a high balance for credit limit, being a medical bill there was no credit limit.XXXX.all kinds of extra comments listed,XXXX of the credit agencies even list it as a charge off/repossession, a much worse listing than medical debt.5.All XXXX credit agencies have different dates of first reporting.6. was threatened by XXXX XXXX XXXX after paying the debt that if i contested it further there would be trouble for me, and in fact updated the info on full payment so it now looks like a fresh debt, causing max damage to my scores. 

I would like to know how you can be treated for an unexpected medical bill the same as someone who say runs up a credit card, or defaults on a car note. My other XXXX bills/trade-lines are paid, always are. But because I was sick and needed help that XXXX time I should be punished after the fact, and for XXXX more years as well? ( Until 2019 ) In FACT it will cause it to update & cause my score to drop further. Why should a minor medical bill make me unable to have a home loan? How this is fair is not the question, it should be how this is legal is what I want to know. Where is the incentive to get people to pay their bills if they will still be punished regardless of it?
Consumer complaint received 2015-03-26
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

On XXXX XXXX, 2015 a cease and desist demand was sent ( certified mail with return receipt XXXX XXXX XXXX XXXX XXXX ) to Capital One in reference to consumers account ( s ) ending in XXXX & XXXX. Consumer specified consumers wish to have the accounts closed and noted as 'Accounts closed by consumer ' on consumers credit report. Consumer warned Capital One that consumer would check on consumers report within thirty ( 30 ) days from the date of notice to make sure Capital One had honored consumers request. Consumer received letters from Capital One dated XXXX XXXX, 2015 stating Capital One had applied a 'Cease & Desist ' to the account ( s ) which meant they would no longer contact consumer and stated that the cease & desist does not impact any payment plans, arrangements previously arranged with Capital One which leads the consumer to believe the account ( s ) have not been closed and noted as requested by consumer. Consumer requested knowledge that the accounts reflect closed by consumer under the Fair Credit Reporting Act ( " FCRA '' ) 15. U.S.C. Sections 1681u - 1681v. Consumer informed ( and warned ) Capital One that if they did not comply consumer would file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and ask complaint be forwarded to governing entities. A copy of the cease & desist document is attached to this complaint as proof positive request to Capital One and warning of consumer 's intent if Capital One did not honor consumers request under the Fair Credit Reporting Act ( " FCRA '' ). At this time Capital One is in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681u ( " FCRA '' ) by misuse and misreporting the credit information provided by the consumer. Capital One furnishes information to consumer reporting agencies and is subject to Section 623 of the FCRA 15 U.S.C. Section 1681 s-2 which imposes a series of duties and prohibitions upon any person or entity that furnishes information to a consumer reporting agency. Reporting accounts as active when voluntarily closed by consumer and misstating the balance due is a violation of the FCRA. Consumer has the right to request consumer 's account reflect consumers wish to close the account by consumer on credit report. Capital One was told ( in writing ) that consumer intended to file a federal lawsuit if ANY negative information is placed on consumers credit report other than 'Account closed by Consumer '.
Consumer complaint received 2016-02-26
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX/XXXX/16 I authorized an online bill payment through my Bank of America ( BOA ) online bill pay for {$93.00}. The payment was processed and remitted to the intended recipient, XXXX XXXX XXXX XXXX. Two weeks later I received a call from XXXX explaining that my payment was never received and I was being charged a {$37.00} late fee. I called BOA and spoke to a lady in the fraud department who told me " there was nothing BOA could do about it '' and provided me with reference number XXXX ( I attached the recorded phone call. I was told to give that number to XXXX and they will be able to find my payment. I doubted the information would help and explained to the representative that I need more information. Instead, she cold transferred me to another department, where they were so busy they could n't take my call. I spent the next hour trying to reach someone in BOA who could help me. Ultimately, I reached someone in the Bill Pay department who told me that I never sent an online Bill Payment for {$93.00} to XXXX. I told her the amount came out of my account and provided her with the reference number given to me earlier. She stated the reference number I was provided didnt help. She offered to conitnue transferrring me around to other departments. After much frustration and confusion, I checked my online bank account again. I confirmed that on XXXX/XXXX/16 an online billpayment was sent to XXXX for {$93.00} and this time was able to get a Payment ID # XXXX. I 'm not sure why the Bill Payment representative told me that I never remitted such a payment to XXXX. The online banking service clearly states " XXXX : BILL PAYMT ID:XXXX : XXXX XXXX XXXX ID : XXXX. '' Now, my BOA account is minus {$93.00} and BOA has no idea what happened and tells me " there is nothing they can do about it. '' The intended recipient of the payment never received the payment and BOA states it was " never sent to begin with on my part, '' which is obviously inaccurate. I 'm being charged a late fee by my other bank for {$37.00}.
Consumer complaint received 2015-10-19
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Navient Solutions, LLC. (NY)

I am disputing this issue with Navient, but am sending the letter to your agency on the same day that I am sending it to their consumer advocate. Please see attached letter to Navient regarding their hits on my credit report,
Consumer complaint received 2015-12-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pinnacle Credit Services, LLC (CA)

Debt buyer, Piinnacle, continues to report an old, unverifiable debt to credit bureaus as a new negative. Bureaus wo n't investigate or change information. Pinnacle has an F rating at XXXX and is not accredited. Hundreds of similar complaints. Is your agency able to do anything about this company or the bureaus that report it incorrectly without investigating or is it just open season for those large companies?
Consumer complaint received 2015-10-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I requested the name of my original investor, a copy of the wet note, and the legal status of my account in XXXX of 2015. I never received this. In XXXX, the " servicer '' filed a claim against my home in a bankruptcy proceeding although I 'd never missed a payment. I filed the BK XXXX for other reasons. The " servicer '' has still not complied with my request, so how can they legally file a claim when they cant even show proper chain of title, or refuse to do so? Second issue is that they raised my Escrow, alleging an Escrow shortage. By their own admission, there IS no shortage, but for some reason, the Escrow Department has n't relayed this to the rest of the departments, like the department that processes payments. The servicer refused to post my payment unless I included the additional ( and incorrect XXXX Escrow, which makes paying my other household bills even more challenging. I cant afford to pay something that I do n't owe, and by raising my Escrow {$100.00} MORE than what it should be, it is putting me in a tight bind.
Consumer complaint received 2015-07-28
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

As per reviewing my credit report, I noticed numerous XXXX 5 XXXX Capital One Bank items for review. As I browsed through them, I noticed ( 1 ) report that is wrong and never existed. The account details show opened date XX/XX/XXXX closed date XX/XX/XXXX. As I further reviewed Capital One Bank items for review I noticed a total of ( 4 ) closed accounts which is also wrong. I then opened my online services on Capital One Bank to review my accounts with Capital One to make sure there are no errors on that as well. I noticed a card recently added to my account XXXX one I did not apply for XXXX ending in card # XXXX. I called Capital One Bank to go over these accounts today XX/XX/XXXX. They are unable to give me any information on the cards located on my credit report and told me to call the BBB if I need to. I mentioned the card I unauthorized on Capital One Bank online services, the customer representative began telling me they bought this card over from XXXX XXXX which I never had a HSBC credit card, nor have I ever applied for one ). She stated " this is not Capital Ones fault '' and that " I can dispute it with BBB '' once again and to hold for another service rep to further " assist '' me. I have had a total of ( 3 ) cards in lifetime with Capital One. ( 1 ) that I closed ending in XXXX because of an annual absurd fee ; ( 2 ) that remain open ending in XXXX and XXXX all with a zero balance. I have never authorized to open any other cards and neither do I have this problem with any other bank I have ever dealt with ( XXXX, XXXX XXXX, XXXX, XXXX, Etc ... I have other bank cards ) They are a fraud and my identity is being passed between banks and cards are being opened and closed without my consent or me actually applying for.
Consumer complaint received 2015-04-14
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (MA)

XXXXXXXXFrom : XXXX MA XXXXXXXXLoan # XXXXXXXXTo CFPBRE Home Affordable Modification Program andEscrow Account associated with Home Affordable Modification Agreement with SLS : SLS XXXX XXXX XXXX XXXX XXXX XXXX CO XXXXXXXXFax XXXXXXXXTo whomever it may concern,1st complain : Endorsed by SLS Home Affordable Modification Agreement. 
Please be advised that our Home Affordable Modification Program was approved by SLS on XXXX XXXX, XXXX, and Agreement was signed by both of us, me and my wife XXXX XXXX, and was submitted for endorsement on XXXX XXXX XXXX to SLS. To this day, after several written and verbal-by-phone requests, the XXXX did not provide signed/stamped and returned above mentioned agreement. SLS faxed unendorsed Agreement twice on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. No explanation was provided as why the signed agreement was not returned. This endorsed by SLS agreement is needs to complete our application to modify second mortgage with XXXX. 

2nd complain : Escrow Balance. 
Per Home Affordable Agreement Modification offer issue on XXXX XXXX XXXX by SLS, we were required to make a P & I payment along with escrow payment for real estate taxes and homeowner insurance. We were requested to make " trial '' payments before permanent modification could have been granted. Trial payments for the first time that we were making mortgage payments to SLS had to include escrow for real estate taxes and homeowners insurance. When the trial payment started on XXXX XXXX XXXX, there was no outstanding balance to town of XXXX for real estate taxes, and home owner insurance was paid in full for period XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. We made the following Principle and interest payment of {$1000.00} and rest for escrow payments : XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX, XXXX $ XXXX XXXX, XXXX $ XXXXXXXXModification was approved on XXXX XXXX XXXX with new payment including escrow was made onXXXX XXXX, XXXX $ XXXXXXXXAll these payments were with escrow for taxes and insurance. 
Our escrow balance should have surplus of approximately $ XXXXXXXXSLS made real estate tax disbursement on XXXX XXXX XXXX for {$3200.00} and {$3200.00} on XXXX/XXXX/XXXX for total of {$6500.00}. Our escrow balance should have been positive {$160.00} with next real estate tax due on XXXX XXXX XXXX. 

The statement received from SLS for escrow calculation shows shortage of $ XXXXXXXXWe do strongly disagree. After several calls and requesting re-calculation twice, first in XXXX XXXX and again on XXXX XXXX XXXX, it did not resolve escrow dispute. We were told the first XXXX trial payments did not resulted in escrow credit. No explanation was provided. 
At the last attempt to resolve the issue over the phone on XXXX/XXXX/XXXX resulted SLS hanging up the call. This behavior is simply unacceptable. 


Your prompt attention will be greatly appreciated. 

Respectfully, XXXX XXXX XXXX