davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

For more than a XXXX I have been trying to obtain a short sale on my property at XXXX XXXX XXXX XXXX, in XXXX, Californina. The lender which is Chase since the beginning has been taking a very long time to help us. We have a new buyer with the short sale approval asking price, we submitted the offer and since XXXX XXXX we have not received any communication back from the lender. Chase is ignoring all my Realtors email requests, they say they will reach out within XXXX hours back to us and never do. We do n't even get an acknowledgement from them. We also tried to reach out to the supervisors and they ignored us too. I need them to help us. To keep us posted on what is going on. To work in my file because the buyer will remain interested in the property. To be kind enough to reply to my Realtor.
Consumer complaint received 2015-06-23
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (FL)

I sent a payment for {$40.00} to Discover. They ran my check as {$740.00} on XXXX. I talked to them on XXXX and was told that it was an automated error. They pulled my check and said that it was clearly written for {$40.00} and they did not know why the automated system read it as {$740.00}. The amount caused my bank acct. to be overdrawn and I had no access to my money. I was told by Discover that it is an automated process and the system could not be over-ridden. And that their system would try to post my check a total of XXXX times before being kicked back. They were able to credit the money back to my bank on XXXX. I thought everything was taken care of, then Discover tried to post the check for the same amount again on XXXX. My bank acct. was again over drawn and I had no access to my money over the weekend. I called Discover again on XXXX and explained the issue again. I was told that my acct. would be credited again on Monday XXXX. It was not ; so I called again and was told that it would take up to 15 days to resolve the issue while they do an investigation. Meanwhile, I can not access any money in my bank account because of Discover 's error. I can not withdraw cash! I can not use my debit card to buy gas or groceries! I can not pay other bills because the checks will bounce since Discover has essentially locked up my bank acct. and I 'll end up paying either late fees or returned check fee. There is absolutely no excuse for this and their should be some way Discover could go in and manually override their system when they make an error such as this regardless if it is automated or not. At the time of this writing I still have no access to the money in my bank acct. because it is shown overdrawn because of Discover 's error and not rectifying the situation in a timely manner. And I have no idea when I will be able to access the money in my bank acct because of this.
Consumer complaint received 2016-02-24
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Summit Financial Corp. (NC)

Summit Financial is reporting collection / chargeoff to the credit bureaus. I disputed this in the past and had it removed because they could not verify any information. It has started showing up on my XXXX and XXXX reports again with an incorrect Date of Last Payment of XXXX XXXX, XXXX. There has been no activity on this account since early XXXX which would put it at 7 years and should be removed from the credit report.
Consumer complaint received 2015-05-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: COLLECTECH DIVERSIFIED, INC. (TX)

Have XXXX separate acounts from Collect tech a local collections agency # XXXX # XXXX # XXXX # XXXX have called on several occoasions last date XXXX/XXXX/2015, spoke with XXXX XXXX and a guy names XXXX who both were VERY rude and refused to help me resolve this issue. Since recieveing the bills intially I advised the collection agency that I had primary and XXXX coverage. None of My EOBS or explanation of benefits have ever showed a patient balance. I believe there was a billing error and that was not a result of me not providing or having verifiable insurance. This was during a XXXX and I have no outstanding bills in regards to the XXXX and other monthly visits. I have tried to dispute this information several times and it remains as they only verify the balance and if the debt is in my name. The insurance has been provided to the hospital and I have offered to send to the collection agency. They have refused the documentation. The original debtor XXXX XXXX center ( XXXX ) has verified the information was provided and on file. They are unable to remove the debt as my account is with colletech now.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2015-11-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (MA)

In XXXX 2015 I submitted all documents to apply for a HAMP with Caliber Home Loans. There has been numerous correspondence with Caliber by phone, email, upload of documents and viewing the website for updates on where we stand. Now five months later on XXXX XXXX one of there XXXX reps stated they will not except the numerous additional documents I uploaded to my caliber account. They stated the documents could not be pictures of them uploaded as I did with many of the most recent ones, going back to XXXX. As I understood, I asked why on XXXX XXXX is it the first time I was made aware of this. Many other XXXX have viewed these documents as I wanted to verify they received them, and only once did a XXXX have me resend a paystub, that he could not read, using this same method as I was on the phone with him. This XXXX received the paystub as I was still on the phone with him and viewed it and confirmed it was received and legable. On XXXX XXXX I then scanned the whole package along with more than requested paystubs to pdf files and emailed them to the email provided for loan modification documents. On XXXX XXXX, 8 days later, I received a letter from caliber stating we were denied the loan modification with a denial reason, that I did not provide caliber with the documents requested. Also I could appeal there decision by XXXX/XXXX/2015, which is 9 days from now. Unfortunately the communication piece is difficult as you are not speaking with underwriting who are handling all the documents. There was never a time lapse of more than a week in providing documents requested. I did have to call on many occasions to let them know the documents were there and had been there for 1-2 weeks. In the beginning of this process our overdue balance was XXXX and our full monthly payments were denied and returned to us resulting in a overdue balance of XXXX. This is my home that I take very serious and would like to resolve my debt more than anyone. My local HUD counselor advised that I file this complaint.
Consumer complaint received 2015-10-29
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Dynamic Recovery Solutions, LLC (CA)

A woman named XXXX XXXX from Dynamic Recovery Solutions called my husband looking for payment on a charged off credit card in my name from 2004. He informed her that the statue of limitation had run its course and she threatened to ruin his credit if he did not give her my direct phone number. 

I then called the company myself and spoke to a different collector who then told me they would sue me if I did not pay the account in full despite me reciting the statute of limitations and my rights under the FCRA. He then hung up on me.
Consumer complaint received 2015-10-06
Product: Debt collection — Federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Utah System of Higher Education (TX)

They know i am not working at the moment so i asked for a diferment they sent it i filled it out and sent it back to them in 72 hours that was in XXXX 2015 they said it will take 20-30 business days and i can go ahead and apply back to school beginning of XXXX 2015 they said they received it i tried to apply to go back to school the middle of XXXX 2015 the school stated i cant move forward since the people i am doing my differment through is not processing my request and the calling begins like they never got my letter they are saying they dont do those and all schools are suppose to tgey even promise that in your student loan package when you first apply they call every other day about XXXX times a day with different excuses of why i must pay or this will stay on my credit i have a family i have to take care of and this is not ok and i will sue if this does not continue to dtoo
Consumer complaint received 2015-10-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In a reply to a complaint # XXXX the bank 's response was that the bank has a right to foreclose on my home. I say no, they do not have that right. The documents sent with the response is not valid as the modification that was offered to me in reply to my questioning where my payments were going was withdrawn in a letter dated XX/XX/XXXX. Also the modification documents were signed by XXXX and XXXX XXXX XXXX and the notary stamp is only to our signature. The bank never signed and send us a copy. The modification was never recorded even though this was an amendment for a mortgage over {$190000.00}. The modification was never submitted to the court in the filing of the lawsuit. The notice to owner submitted in the case was from the modification so the whole purpose of the modification was to have a notice to owner for a larger amount owed. My bankruptcy stands. In a notice to the bank that is recorded in XXXX XXXX Florida, Doc # XXXX B : XXXX XXXX dated XX/XX/XXXX a suggestion of bankruptcy letter was sent to the bank. The bank had a fraudulent judgment that was dated XX/XX/XXXX already and never asked to lift the stay on my request for bankruptcy. My estate was closed with my homestead property intact. This bank keeps saying to contact the new servicer who would have no knowledge of what went on since XX/XX/XXXX. No you are the ones that ruined my credit and then tried to steal my home.
Consumer complaint received 2015-11-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: PREFERRED CREDIT INC (CO)

Lost job and are not able to make a payment. Payment is only 3 weeks late and have received up to XXXX phone calls per day asking to make a payment and telling me they are turning me over to collections.
Consumer complaint received 2015-05-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (DC)

I have been trying to collect an amount owed to me by PNC Bank since XXXX XXXX XXXX. I received a refund from an intuit purchase and they credit it to my old debit card that was drawn from PNC Bank. PNC Bank contacted me via writing ( Exhibit A ) to let me know of the refund and provided a contact XXXX I tried more then ten times calling this number and none of the PNC employees that I spoke to ever forwarded the {$210.00} owed to me. After so many months of frustration I finally sent a letter in writing to a PNC Bank representative at a local branch where I opened my banking account. Her name is XXXX XXXX XXXX. This letter was sent certified mail XXXX XXXX XXXX XXXX XXXX and was delivered on XXXX XXXX XXXX, ( Exhibit B ) To this date I still have not had a response nor has my money been returned to me.
Consumer complaint received 2015-11-24
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Identity thieves have obtained sufficient information about me to attempt to open credit card accounts. I have received notice of at least 3 attempts in the past 2 weeks of credit cards being sought in my name ( 1 time at XXXX XXXX XXXX and 2 times at Capital One ). I am concerned that Capital One Bank may not have adequate systems in place to prevent future fraud in my name. When I received the XXXX Capital One credit card I had not requested, I called and got it cancelled. When I got a XXXX letter informing me that another credit card was coming, I called back. I was getting contradictory information from the fraud line representatives - one person found the XXXX application for credit and another could n't. The last representative I spoke with said that they could not associate a fraud warning with my information. This does not appear an adequate solution. Will I keep receiving new credit cards that I have to cancel? I ca n't tell based on Capital One 's current response. I have also filed a police report and filed a fraud warning with the credit bureaus. I just fear that Capital One 's response is not adequate. It is also possible that the XXXX letter I received purportedly from Capital One is a sophisticated phishing attempt - but, based on Capital One 's response, I ca n't tell.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2015-06-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I went to school for the year XX/XX/XXXX, in which I am listed as having a " XXXX day late '' in XX/XX/XXXX. 

My school sent letters to the CRA. There was no investigation. There was no response from anyone. Although this is not about the student loan itself, but of the investigative CRA process that never occurred, XXXX even admitted to me over the phone they see this happen " all the time '' with XXXX students, and is a computer glitch. They refused to do anything but insist I have my school send a letter documenting enrollment, I sent said letter, and the CRA never once acknowledged much more than the fraudulent listing. On multiple currencies. Since XX/XX/XXXX. This ai n't cool, bro. 

This is woefully inadequate, arbitrary, and capricious. Yet most of all, this ai n't cool, bro. I had in-school forebeafance, and the CRA 's all knew that. All list XXXX trade lines on my account. XXXX admitted it was systemic issue at XXXX. Yet again, this is a CRA investigation matter. 

So, the CRA 's know about it. And, they do n't question it. No investigation took place. This is CRA fraud.
Consumer complaint received 2015-11-24
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (SD)

i paid a company with my american express card that turned out to be a scam.i reached out to my credit card company for help and was told they could not help me.supposedly i was out of a time period to dispute.i just dont understand why they would do that.a company as big as american express should be able to do something.the company name was XXXX.
Consumer complaint received 2015-06-11
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

BANK OF AMERICA did not contact me. 

I am attaching the relevant document. This is an addendum to the prior case filing, out of an error in the filing. Thank you. This is not a new filing.

$XXXX is insufficient, given what is attached. 

"In addition to seeking redress under the FDCPA, the CFPB said that it is using its authority to regulate unfair, deceptive, or abusive acts and practices (UDAAP) in the financial marketplace under the provisions of the Dodd-Frank Wall Street Reform and Consumer Protection Act."  

Please see attached.
Consumer complaint received 2015-03-31
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (KY)

I had a loan with Hyundai Motor Finance ( HMF ). The account number was XXXX. I requested a payoff at the beginning of XXXX. I was given a payoff amount of that was {$13.00}?? more than I owed. I paid the payoff amount given and it was posted on XXXX XXXX 2015. Hyundai Motor Finance ( HMF ) indicated that a lien release would be sent within 2 weeks as would any excess payoff. By the XXXX of XXXX I had received neither. I called HMF and within XXXX days I received the lien release but not the excess payment. I again called HMF on the XXXX of XXXX and they said they would refund the excess immediately. I called again on the XXXX and was told that a check was sent on the XXXX of XXXX. As of the close of business today I have not received my refund. Please assist in having my refund issued. In addition I question if this is a typical practice of HMF and are there many, many customers who never received their refunds. 
Thank you for any assist you can provide. 
XXXX XXXX XXXX, KY XXXX
Consumer complaint received 2015-10-13
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

What happened originally was that it was their misrepresentation stating no interest would be charged on an item purchased from Home Depot XXXX until relevant amount was paid off. But that representation was false. 
I offered them {$200.00} to settle the account but they refused to take it. And now the original amount, with all the interests added, is {$710.00}, when it was originally {$300.00}. They have to stop adding interests and accept a reasonable resolution of the matter, as what I have been trying to do.
Consumer complaint received 2015-06-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (FL)

I became XXXX unable to work. After sick and family leave ran out, I still could not return to work and was terminated. I could see that there were going to be problems keeping my mortgage payments up to date, so I called my mortgage to attempt a loan modification at a lower interest rate, which would allow me to continue to afford the payments. A modification was refused by PNC bank. I then made contact with HUD about my problem to find out programs I might be eligible for. HUD made contact with PNC regarding a modification, but PNC refused again. HUD then referred me to a state program called the Florida 's Hardest Hit Fund XXXX FHHF XXXX, a program funded by the mortgage company and bank penalties from the banking crisis. paid to the state of Florida. The program is designed to aid homeowners who have fallen behind in mortgage payments, as a result of a loss of income, in order prevent foreclosure. Additionally, the FHHF would also negotiate with participating mortgage companies for a loan modification. I applied to them and was deemed eligible XX/XX/XXXX. To be eligible for the Florida 's Hardest Hit Program, my bank ( PNC XXXX had to agree to cooperate, receive monies from, and accept the process of the FHHF program. I was told by FHHF that my bank had agreed to participate in this program, as had every major bank in Florida. Although I was deemed eligible for the FHHF and any foreclosure attempts were supposed to be stopped in XX/XX/XXXX, PNC started foreclosure proceedings in XX/XX/XXXX. My advocate at FHHF was surprised by the foreclosure proceedings, but reassured me that there would not be a problem and that PNC knew I was in process with the FHHF program and that there might be a clerical error at PNC. FHHF kept asking me for more paperwork XXXX 's for the same paperwork and documents again and again, which I would provide. I was told by my advocate that that the Florida XXXX was in some way stalling the process. Finally in XX/XX/XXXX, FHHF released funds to PNC of {$18000.00} and since has been paying my monthly mortgage payments. The XXXX has been paying my mortgage since that time, which with the {$18000.00} is a total of {$42000.00}. I have paperwork from FFHF showing that PNC has received these funds, yet does not acknowledge receipt of these monies to me or credit these monies toward the balance owed on my account. Additionally, PNC still is not working with me on a loan modification. I was told that any foreclosure proceedings by PNC should have been stopped once they received money from FHHF. I am getting the run around from PNC. PNC refused to talk with my FHHF advocate or myself saying that the case was in litigation. I have had to hire XXXX attorneys, to fight to save my home from foreclosure. I now have no attorney, but am still being threatened with foreclosure.
Consumer complaint received 2015-03-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (WA)

I used my mortgage company 's website to set up an online payment as I usually do each month. The payment was set up to be paid on XXXX/XXXX/15. I received XXXX emails from Ocwen confirming I successfully set up my payment. They usually do n't take it out of my bank account on the day I request so when it did n't happen right away I did n't notice. When I reconciled my bank account last week I noticed it still had n't come out and got concerned. I logged into the website and it said I still owed my XXXX payment. I also noticed that their confirmation emails did n't arrive until after XXXX/XXXX/15, making it seem impossible for the payment to come out on time. Since it was the weekend I emailed my concerns but did not hear back. I called today and was treated very badly. The Ocwen representative assumed I was lying even when I asked him how to forward the XXXX Ocwen confirmation emails I had received earlier in XXXX. I had trouble understanding him but he finally said that no late charges had been added and did I want to make a payment. I said I would make the payment online so it cost less ( {$10.00} ). He said " so you 've waited 21 days to call and now you do n't want to pay ''. I am upset with his attitude and with the fact that I had to pay {$10.00} for an online payment I had set up on time. I do not trust them to now take the payment accurately and am worried they will take it twice. Ocwen 's communication has always been poor but we are trying very hard to stay current and they are treating us badly.