davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-18
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have been attempting to have late payments removed from credit reporting for about 6 months now with Bank of America. in XXXX and all of XXXX, i was facing financial hardships due to under-employment and fell behind on my mortgage payments. I was able to reach an agreement with this servicer to help me modify my mortgage and i have been back on track with my payments for about 18 months. 
I have asked through a third party that the late payments be removed from my credit reporting many times with no avail. 
I am reaching out today for help because these late payments are creating a new financial hardship on me in the sense of higher interest rates with school loans and credit cards as well as higher insurance premium with a clean record and a low crime area. The late payments that are attached to me are hurting me and my family and enriching lenders and insurance companies. Even though i am able to save my house and i have made great stride is my credit worthiness status, i find myself still catching up on my finances. 
thank you for any help you can provide me.
Consumer complaint received 2016-07-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

This account is not mine. I was a victim of identity theft. I submitted a police report and affidavit proving that I was a victim of identity theft. I have disputed this through the credit bureaus and it still has not been removed.
Consumer complaint received 2016-07-18
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (NY)

I have and inquiry on my credit report that I didnt authorized on XXXX XXXX 2016. 
the company name is XXXX/ XXXX. they are mortgage reporters that is the explanation. 

i am not applying for a loan please remove this inquiry. i am not familiar with this company at all
Consumer complaint received 2016-07-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CrossCountry Mortgage LLC (OH)

My home which has an FHA mortgage is currently without property insurance. My insurance company ( XXXX ) is charging excessive fees to reinstate a policy that should n't have been canceled and my mortgage company ( Cross Country Mortgage ) delayed paying my premium so it could get kick backs for having to force place insurance. 
I have an escrowed, FHA loan through Cross Country Mortgage. My hazard insurance carrier is XXXX. We closed on our loan in XXXX, 2015 at which time the annual insurance premium was paid. I received a call on XXXX XXXX from XXXX indicating they have not received payment on the renewal for the hazard policy, which would cancel on XXXX XXXX. I called XXXX XXXX a few days later and they indicated it was n't mailed yet. On XXXX XXXX, after checking Cross Country 's and XXXX 's websites and seeing the payment was n't received, I called both parties again and initiated a conference call. It was discovered that XXXX sent the bill to an incorrect address for Cross Country. The overnight address was provided to Cross Country over the phone and Cross Country 's fax number was provided to XXXX to expedite payment. On XX/XX/XXXX, Cross Country received the bill from XXXX but instead of sending it overnight, put the Check No. XXXX in the regular U.S. mail. I followed up with both parties on XX/XX/XXXX and was advised that the check was sent regular mail on XXXX. I spoke with a Cross Country supervisor, XXXX, on XX/XX/XXXX who gave me the check number and promised to fax me a letter that afternoon that I could forward to XXXX to show that payment was made but not yet received. To date, I have received no such letter. My policy was canceled as of this morning ( XX/XX/XXXX ) and there is now a {$50.00} fee should I choose to reinstate the policy. Representatives from both sides indicate there is nothing they can do and to call the other party. A representative from XXXX ( XXXX # XXXX ) refused to waive the fee after I explained the circumstances because it is a " vaid fee '' which " I agreed to when I signed up for insurance with XXXX. ''
Consumer complaint received 2016-07-18
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (CO)

US BANK has made multiple claims of rates available, to no closing costs, to other agents saying NO such thing as NO Closing Costs, Refused to speak about an online US Bank account where a new customer like me gets {$200.00} for opening account with {$500.00} or more and free checking!!? When in branch, The MANAGER refused to speak of it until I opened my laptop and pointed to it! Then said did n't know about it!! But then asked me XXXX XXXX? How do you know about Promo Code if not familiar with offer? Bank has Lied and is Baiting & switching and not giving direct honest answers, Another XXXX XXXX lender. I 'm XXXX and feel discriminated against since there trying to take advantage by not telling me all the bank deals, offers as they offer others not XXXX. Discrimination
Consumer complaint received 2016-07-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

In 2011 I sold my condominium unit in a short sale. Bank of America who was the primary mortgage provider did not send me a XXXX form to verify that the loan was paid-off. Since then my credit report is showing the loan amount as I still owe it to the bank. I am calling Bank of America for the last two weeks and have not seen progress in getting that form. Each person I am talking with transfers me to different offices and no one provides me direct answer on why this form was not initially sent and when they will provide it. This is time sensitive case as my current employment is pending on that form.
Consumer complaint received 2016-07-18
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (UT)

My VA loan is serviced by Stearns Lending. I make monthly payments through auto-draft/ACH each month. I see the payment come out of my bank account on a monthly basis, as scheduled and established through Stearns ' website. However, I occasionally get auto-dialer collection calls for past due payments. How can this be, when I have auto-draft scheduled? The payment is made on time, on the same date every month, and is automatically deducted from my bank by Stearns on a monthly basis. So, why am I getting automated collection calls and why is my loan " past due '' if the payment is pre-scheduled on auto-draft?
Consumer complaint received 2016-07-18
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

I paid a service provider {$2200.00} through Paypal. The " seller '' aka contractor, declined the money on XXXX XXXX ( same day it was sent ) because it was a 21 day hold to receive funds. So once the Seller declined, and funds never touched their bank, it was expected they would be returned to me. However this was not the case. It took until XXXX XXXX to receive funds after 3 phone calls and long conversations. Paypal refused to release my funds saying they were doing this to protect me. There was nothing requiring protection, however. I simply had money debited and Paypal simply held onto it. After getting a supervisor on the phone they released back to me.
Consumer complaint received 2016-07-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (ME)

I opened up a PNC checking account that had a {$400.00} bonus promotion if certain criteria was met. 
Virtual Wallet with Performance Select : Earn a {$400.00} bonus when you do the following : Open a new Virtual Wallet with Performance Select Establish a qualifying direct deposit of {$5000.00} to your new account Make at least one payment with PNC Online Bill Pay On XXXX XXXX, XXXX I made a direct deposit of {$2000.00}, on XXXX XXXX, XXXX {$5000.00} which was followed by a XXXX XXXX, XXXX {$10.00} bill pay. I waited the prescribed amount of time and proceeded to call PNC customer service and inquire about my {$400.00}. The customer service representative told me I did not qualify for the bonus. I told them I wanted to close my account and the csr told me I would get charged a fee for early account closure for not being open 6 months. I then waited until XX/XX/XXXX and proceeded to close my account. I 'm not happy that I did what other people did to receive the bonus which is the reason I want to file a complaint.
Consumer complaint received 2016-07-18
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK (TX)

Discover bank has a promotion where they double all cashback that you have earned at the end of 1 year. I enrolled in the promotion and even chatted with their CS team in order to confirm my enrollment. The chat agent informed me ( direct quote ) '' after reviewing your account I see that the enrollment was not completed as successful. I have already scheduled your account for the adjustemnt to have your cashback manually doubled. I will complete this at the end of your 12th billing cycle, then you will see it credited within two billing cycles after I complete the adjustement '' At that time and after not seeing my cashback post to my account, I contacted them and Discover bank flat out denies that I ever enrolled and they will not give me the cashback that I earned during the past 12 billing cycles. Banks should be required to keep to their word, and Discover should be required to pay me my rightfully earned cashaback award. According to my calculations they owe me over {$3000.00}.
Consumer complaint received 2016-07-18
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (FM)

I signed up for the XXXX American Express card in early XXXX. Unfortunately, American Express blocked the access to my account after XXXX transferred XXXX credit cards from American Express to XXXX 's Bank in XXXX, so I am unable to provide exact dates. One of the terms of the American Express card was that I would earn XXXX bonus points on my first anniversary after spending {$1000.00} in the first three months. 
Unfortunately, my first anniversary with American Express coincided with XXXX 's transfer from American Express to XXXX 's Bank, and even though I spent more than {$1000.00} in the first three months of card membership with American Express, I never received those XXXX bonus points as promised. For several months now, I have sent e-mails, made telephone calls, and sent messages on the XXXX and XXXX XXXX Bank website to no avail. XXXX seems to have dropped the ball, even though the corporation has XXXX percent responsibility in this matter. 
It is not my fault that XXXX decided to part ways with American Express and transfer to XXXX with XXXX XXXX Bank. In fact, I never agreed to the transfer of my personal information from American Express to XXXX XXXX Bank and wonder if this is at all ethical. As far as I am concerned, I fulfilled the credit card terms and should have received my XXXX bonus points. Therefore, I will not pay any balance due that was transferred ( without my authorization or consent ) to XXXX XXXX Bank unless and until I receive the XXXX bonus points to which I am entitled. 
Please assist me in this matter. 
Thank you.
Consumer complaint received 2016-07-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (LA)

I shared an account with a XXXX who is a friend of mine on a cable/internet account with XXXX. I left the residence and the account remained open for mea friend. After he closed it, they apparently did n't receive their equipment back so they issues a collection in my name since my roommate moved back to XXXX and is unreachable. 

I have been trying to pay it as basically a nuisance fee because it 's impacting my credit score. I am currently trying to buy a house in my community but my loan is impacted by this issue. I spent more than an hour and half on the phone with them today being transferred more than 5 times. Most recently I have not even had a customer service representative on the phone for at least half an hour. 

I want to pay the debt, though I want a guarantee that they 'll issue a correction and a letter of deletion but I ca n't even get someone on the phone. 

I find it incredible that they can impact my credit score and thus my ability to take out a loan but wo n't answer a call to accept payment.
Consumer complaint received 2017-01-11
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Shermeta Law Group, PLLC (MI)

I did not receive a subpoena for this debt until 7 days prior to trial. I was unable to attend because of a conflict. My attorney contacted them numerous times prior and after court date to settle account but received no response. They then preceded in garnishing my bank account without notice. I spoke with them in XXXX of 2016 regarding a settlement at that time. When I tried to call back after a 2nd garnishment without notice they refused to honor the settlement. They have been uncooperative & gt ; I left a voice mail with the organization once again and it took them over a week to return the call., when I finally spoke with someone they were rude and belligerent.Asked to speak with a supervisor, but no one was available. No one has returned a call.
Consumer complaint received 2016-06-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Complete Credit Solutions, Inc. (TX)

Complete credit solutions acct XXXX is inaccurately reporting on my credit. Per federal and state laws a collection agency must not falsely debt clams and this account is reporting an inaccurate debt balance of an erroneous account. It is also a false statement and a violation for a collection account to report the account type inaccurately. This account is a collection account and is reporting as a factoring company account on my credit. This is inaccurate reporting. A debt factoring account reflect current debts on open accounts not closed debt that is sold to a collection agency written off as bad debt by the lender.
Consumer complaint received 2016-10-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (CA)

i got a collection letter from First National Collection Inc. They say i owe a debt from XXXX XXXX of {$240.00} from back in 2007. i have contacted XXXX and they have no record of me having an account with them. I contacted First National about the issue and both the people i spoke with were extremely rude. i explained to them that i had never had an account with XXXX XXXX and that i contacted XXXX and they have no record they told me that they wont because they sold the debt. I informed them that they would have record because the are obligated to. They reluctantly said that they will file a dispute and i was waiting on hold and than the supervisor hung up the phone on me. i called back and she said that there was nothing else and since i think i know everything that is why she hung up. when i asked for any info on the account all she gave me was the date when they bought it and the addresses they had on file and wouldnt give me any other info.
Consumer complaint received 2016-07-18
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (AZ)

I signed up for Wells Fargo Merchant Services to add credit card acceptance to my XXXX. I was not informed that there would be a significant monthly charge for the service ( {$30.00} ) and I was not informed that there would be a very large termination fee for the service ( {$500.00} ). These fees are extraordinary in my experience with credit card processing services. I have terminated the account.
Consumer complaint received 2016-07-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (ME)

I opened up a PNC checking account that had a XXXX bonus promotion if certain criteria was met.
XXXX with Performance Select: Earn a XXXX bonus when you do the following:
    Open a new XXXX with Performance Select
    Establish a qualifying direct deposit of XXXX to your new account
    Make at least one payment with PNC Online Bill Pay
On XX/XX/XXXX I made a direct deposit of XXXX, on XX/XX/XXXX XXXX and XX/XX/XXXX XXXX which was followed by a XX/XX/XXXX XXXX bill pay.  I waited the prescribed amount of time and proceeded to call PNC customer service and inquire about my XXXX.  The customer service representative told me I did not qualify for the bonus.  I told them I wanted to close my account and the csr told me I would get charged a fee for early account closure for not being open 6 months.  I then waited until XX/XX/XXXX and proceeded to close my account.  I'm not happy that I did what other people did to receive the bonus which is the reason I want to file a complaint.
Consumer complaint received 2016-08-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (VA)

XXXX/XXXX/16 I got email from my bank about person to person transfer {$2000.00} was originated to a person by name XXXX XXXX, the transfer was scheduled to go out the next day. I immediately called TD bank tech support line and told them it is fraud, I do not know the person and never originated the wire. TD told me they stopped the wire, they blocked online banking login and gave me 100 % assurance my money are safe, transfer stopped. But the next day money went out and were in pending status, I called again, TD again said they give me 100 % guarantee my money are safe and will be back on my account in 2-3 days. on XXXX/XXXX/16 my money left my account for good. I called TD again, they put all the blame on me, finally transferred me to fraud department. I also filed a police report locally. TD bank did not do anything to stop fraud money transfer originated from my account, they let the transfer to go thru, now they refusing to give me my money back, telling me I must wait 2 wks for their investigation, and even after that, they say no money back guarantee. It can not be that someone hacked into my online banking like the bank says because that someone was acting and changing the transfer data after TD completely blocked my account from online access. It is totally TD fault
Consumer complaint received 2016-07-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (LA)

I attempted to contact a creditor who listed a hard inquiry on my Experian credit report number XXXX dated XXXX XXXX, 2016. The letter was sent via certified mail but was returned to me as " RETURN TO SENDER NOT DELIVERABLE AS ADDRESSED UNABLE TO FORWARD ''. I attempted to contact Experian via certified mail and provided a copy of my state issued driver 's license and United States Passport to support the investigation for possible fraud or identity theft. Experian has placed an extended fraud alert on my credit report and has caused security freezes affecting use of my credit and bank cards. This company has not provided me proof that any investigation was conducted and has failed to provide me with a copy of my credit report upon disputing the item with them by phone. I have sent numerous letters and have been unable to resolve this issue. I would greatly appreciate your assistance with this matter.
Consumer complaint received 2016-08-11
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (NV)

Hello, through my reports, I 've come to learn that there is currently a name that is being reported to all XXXX credit agencies which is incorrect. The source is American Express. For background into this issue : My true legal name is XXXX characters long " XXXX '', however AMEX reports my name is " XXXX ''. I have contacted American Express to fix this issue, and their response in writing has always been " Unfortunately due to system constraints, we have updated your first name as this, because it can not exceed more then XXXX characters. '' This is problematic for me because " XXXX '' is a legitimate name and not an abbreviation for " XXXX ''. This is misleading and to me is quite comical that AMEX would be operating a " system '' that can not properly communicate someones name to agencies as important as our countries credit agencies. Also I should note that NO other credit card company ( and I have many ) have this problem! 

I believe that AMEX needs to be pushed to comply with operating a fair system that can handle more then XXXX characters, and be forced to not report the incorrect name to agencies. 

Thank you for your time, and I am looking forward to a response and resolution to this matter, which certainly affects many XXXX citizens.
Consumer complaint received 2016-07-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IN)

My mortgage started with XXXX XXXX and was sold. They had just completed a loan modification to place my taxes and hazard insurance into to escrow and to remove my ex-wife from the mortgage. The company that took the mortgage over was XXXX XXXX XXXX. They increased my payment dramatically and would not acknowledge the modification I had with XXXX. Within 90 days, they sold the mortgage to Rushmore Loan Management services who also would not acknowledge the loan agreement I had with XXXX. 
I have spent almost two years trying to get Rushmore to honor the loan agreement I had with XXXX when the loan was purchased. They have not only refused to honor even though I have provided them with the modification paperwork, but have not cashed any checks I have sent to them, refused to tell me who owns the note, and have destroyed my credit so that I can not get another loan or mortgage. My credit was pristine until this all began. Rushmore continues to pile up interest and fees but will not acknowledge their error or give me one person to deal with. I have corresponded via emails, writing and numerous phone calls and have been either ignored, or blatantly lied to. One representative told me that he did n't know why I have n't sued them because this is standard procedure for them to exasperate the client until either they pay or get foreclosed. 
Please help!
Consumer complaint received 2016-07-18
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I made a purchase in the U.S. from a XXXX company, and paid in U.S. dollars, to their XXXX. Even though there was no foreign currency involved, Bank of America charged me a foreign transaction fee just because the merchant had a XXXX address. Bank of America has no idea whether the amount was eventually XXXX to XXXX or whether it remains in their XXXX in U.S. dollars, This is a clearly unfair policy and a possible violation of the Sherman Act by discouraging customers from doing business with certain companies.