davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Sentry Recovery and Collections, Inc. (NV)

XXXX XXXX XXXX XXXX had granted my daughter a scholarship to attend. Half way through the year, XXXX XXXX added full tuition to our balance of XXXX XXXX We had previously found discrepancies in their accounting and brought this to the attention of XXXX XXXX XXXX whom is responsible for accounting at XXXX. This was handled in full. Fast forward to the next school year where my daughter was told that she would attend XXXX but only through an online program for 100 days and that we would then be in the same position as a public school in that the state covered the tuition. This bill did not pass legislation and so XXXX XXXX opted to back charge us. We attempted to resolve this matter with XXXX to no avail, All documents will prove this. Just as well, we have been working with the Nevada XXXX to hold XXXX accountable. Our contacts at the XXXX are XXXX XXXX and XXXX XXXX. So in short, our daughter did not attend XXXX for the time in question. She has been in online school. 
Sentry Collections and Recovery placed a derogatory mark on my credit file though I had been already disputing the debt with the original creditor. 
Never did they send information to my home via mail or even call. Only until I saw my credit report, did I contact them at which time Sentry could not verify the debt, changed the amount allegedly due, and added verbiage to manipulate their position. 
These people threaten to garnish wages, sue, and even have a fraudulent " legal '' department. 
If ever the government needed to step in and shut down a business, this is it. 

Neither XXXX or Sentry can validate the amount due. The requested amount does not match between the XXXX. 

Lastly, I have been served papers from Sentry which after my review of FDCPA is in direct violation.
Consumer complaint received 2016-06-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CO)

A company by the name of Financial Asset Management System keeps calling me to " collect a debt '' for an XXXX ( completely different last name ) ). My first name is XXXX but the last name is completely different than my current name or my maiden name. I do not have any outstanding consumer debt. I have told them on multiple occasions that I am not that person and to take me off their list. They still call me and a similar number is also calling my minor son 's cell phone. I have checked my credit reports to see if there are any identity fraud issues and there are no red flags for that possibility.
Consumer complaint received 2016-07-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XXXX XXXX, we completed a mortgage refinance with Bank of America. The major feature of the refinance that we insisted upon was no Escrow Account for the XXXX Property Taxes or Property Insurance. We were going to make the payments directly to XXXX Real Estate Taxes and Home Owners Insurance. 
The final Mortgage Refinance Documents were signed with no Escrow Account. The XXXX Property tax that was due on XXXX XXXX, XXXX was included in the closing agreement. Per agreement going forward we will continue to pay the XXXX Taxes ourselves. 
When the Tax Bill from XXXX Department of Finance arrived, we discovered that the quarterly bill had been paid by Bank of America. We contacted Bank of America immediately so that they fix the mistake. 
We believe that Bank of America has broken the terms of the Refinance by imposing an Escrow Account and adding the interest of the Escrow to the account. The current statement dated XXXX XXXX, XXXX from Bank of America clearly shows their disregard for terms of the original refinance agreement. 
Presently, we paid in full the XXXX Real Estate Property Taxes for the period of XXXX XXXX, XXXX to XXXX XXXX, XXXX. Since Bank of America is well aware of the mistake they made, they should request a refund from XXXX Department of Finance, but instead they have chosen to break the contract and do what is most convenient for them.
Consumer complaint received 2016-12-21
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I was talked into setting up an online business by XXXX XXXX XXXX XXXX, and after that I got a charge for XXXX XXXX and I never heard of them. I never authorized any charge by them and I do not have any contracts or emails from them. They charged me {$5500.00} and I believe XXXX were the ones who charged my Bank Of America card {$5500.00} under XXXX XXXX.
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I contacted Portfolio Recovery in earlier XXXX after I became aware that they were the collection agency that own XXXX of the XXXX accounts listed on my credit file that do not belong to me. As of today I have n't received any of the requested information, although the letter was delivered XX/XX/XXXX XXXX? XXXX. 
According to the information being reported in the account which was supposedly opened in XX/XX/XXXX with a date of first delinquency of XX/XX/XXXX, unfortunately without the assistance Portfolio Recovery, I can not take any concrete steps to have the inaccurate information remove from my credit file. Not only the company ignore my request, the debt was validated with XXXX on XX/XX/XXXX reported as if it was a new delinquent account. 
I recently start new monitoring services with both XXXX and XXXX, I have received multiple alerts that I recently fall behind on payments ; however after I logged into my account, I could not find the source of the alerts without buying a new credit report, since I already get my free report for this month. This morning I received an alert from XXXX after carefully review my report I realized that the reason I was getting this alert with affected my credit score is because the disputed charges were being validated and reported as if they were not only valid but delinquencies.
Consumer complaint received 2016-09-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery is still hounding me about a XXXX XXXX REward Zone MasterCard account. The account was mine, HOWEVER, I had full coverage of payment protection plan for that account and completed the application for total dismissal of the entire debt due to illness and XXXX. I carried that insurnace on all of my credit cards, XXXX of which were XXXX at the time. I was working, contracted XXXX, became too ill to work and was put on total XXXX. I was found to be XXXX by the social security administration besides my XXXX doctors and you do n't get that unless you are nearly on your death bed, which I was. XXXX should have never sold my accounts as collections. They had all the information through the insurance company. This was from XX/XX/XXXX to XX/XX/XXXX even into XX/XX/XXXX by the time i took the year long XXXX. Although cured, I remain XXXX. XXXX and their insurance company kept losing my information, had my accounts a mess and none of the accounts should have ever gone into collection. I have suffered a great deal over all of this. I have told this to Portfolio Recovery numerous times over the past years. They could look at a statement of mine and see that I paid for the payment protection plan every month. They are now showing a balance of {$1500.00} on my credit report AGAIN. This has caused a great drop in my credit score. I am not denying the account I am disputing any balance whatsoever. Due to being a victim of XXXX presidentially declared disasters in XX/XX/XXXX, XXXX and XXXX ( FEMA disasters ) XXXX XXXX and XXXX XXXX from the floods in Texas, I have lost my home and any paperwork and documentation. My home is still unihabitable and there is no way to prove any of this as it is so old anyway. Portfolio Recovery already has a classaction lawsuit for their behaviors and I believe the CFPB filed a complaint. I received a postcard to complete in order to join the lawsuit so this type of behavior from them should not be surprising. I want this removed from all credit bureaus and any credit card companies that show credit scores. I will not deal with them on this type of level again and am not opting to join the class action suit so that I may pursue this myself if need be. This has kept me from being able to get a home repair loan so that I can live in my home again. I have lost everything except some clothing and a few odds and ends and my vehicle. Starting over at XXXX years old on very little income and being XXXX where I ca n't do much of the physical work myself is a nightmare. Thank goodness I was able to supplement my income a bit with online income but I am still in the low income bracket. They need to leave me alone, please.
Consumer complaint received 2016-09-06
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My mortgage is held by Bank of America. My home suffered damage during hurricane XXXX in XX/XX/XXXX. My home was insured through FEMA, and I obtained an SBA loan because the funds from FEMA were insufficient. I made the repairs to my home. Bank of America inspected the property and released the FEMA funds. In XX/XX/XXXX FEMA reviewed the NY losses and found homeowners were not properly paid and issued the additional monies owed. The check issued names the homeowner, Bank of America and SBA. The procedure is to go to your local branch and have the check endorsed, and then submit the check to SBA. Bank of America is refusing to endorse the check, and causing me tremendous hardship. The other major banking institutions such as XXXX and XXXX XXXX, are endorsing at the branch ; Governor XXXX had passed a mandate to facilitate payments at the local level to help XXXX victims and Bank of America has chosen to disregard this mandate. Also, there is not one specific person to speak to, every time I call there is a different story. Initially I endorsed the check and sent it to Bank of America for endorsement, they held the check for XXXX month and when my public adjuster called and explained the situation they mailed the check back without endorsing it. Each time I call Bank of America they claim their system was not documented and we have to rehash the same information. I have submitted the FEMA documentation, my contractors certificate of completion and presented the check. It appears that Bank of America is setting up arbitrary rules and impeding the processing of the check.
Consumer complaint received 2016-09-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (NE)

ANFI has reported a collection item to the credit reporting agencies on me that is false. The collection is on a XXXX bill which I never incurred. I have never had XXXX. I disputed it but the agency will not remove it.
Consumer complaint received 2017-01-06
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CO)

I went to annualcreditreport.com to get my free credit reports from XXXX agencies. I got an error message from Experian saying they were unable to provide the report online and that I should request it via phone or mail. After multiple tries on multiple days, I finally went to there site and was able to pay for my credit report online. I find it troubling that the free but legally mandated service is unable to provide me with easy access to the report, but that I can pay for it. Furthermore, when I tried to report this problem on the annualcreditreport.com site, I could not get past step two of three. Step 2 requires two multiple choice selections, which I made, as well as a written response in the " tell us more ... '' section. After trying multiple ways of filling the form out, I kept getting an error message that " Tell us more is invalid. Please try again. '' and could not make it past this page to submit my issue. There was no further contact information beyond a mailing address on the site.
Consumer complaint received 2016-07-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (HI)

I signed a mortgage loan agreement to pay {$2200.00} a month ( signed XXXX 2015 ) with XXXX XXXX. This included payment for Home owners Ins. ( XXXX. ) and XXXX Ins. ( XXXX ). I have paid all of my monthly payments early and over and above what is required. Then Roundpoint Mortgage took over the loan at some point. I have paid Roundpoint early and above the {$2200.00}. Recently I became aware ( through my online account ) without written notice or written explanation from Roundpoint that my new monthly bill would be {$2400.00} a month, and increase of {$120.00}. I spoke to XXXX XXXX, supervisor at Roundpoint, who stated that because Roundpoint did not take into consideration the XXXX Ins. ( XXXX ) cost into account for Escrow that there was a shortage and I would have to pay that shortage. I can understand an increase in insurance costs per month maybe being {$60.00} or so, but to increase monthly payment to {$120.00} to no fault of the customer is not right. I want to pay what I signed up to pay {$2200.00} a month or close to it at least. {$120.00} increase is alot for a family of XXXX and not fair with out notice.
Consumer complaint received 2016-09-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Benuck & Rainey, Inc. (CA)

Collection company representative repeated threatening legal action and negative credit reporting as well as seizure of company property in collection attempts to collect a debt that we do not owe. Collection representative will hang up the phone when we try to dispute and explain. Collection representative gathers personal telephone numbers and home address and send harassment calls and letters to personal home address when the issue is related to a commercial non-personal debt issue. 
Collection representatives are bullying us into paying what we do not owe. They are using information obtained from us verbally by phone using incorrect information to demand added premium on an insurance policy that has expired and paid in full according to terms.
Consumer complaint received 2016-09-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/2016 I filed a claim with Bank of America because fraudulent charges in the amount of {$24000.00} were made to my Bank of America checking account. My claim was denied 4 times. The first time they said it was denied because I waited a month to report the fraud. But my bank imformation was stolen and the person who stole it made it so I would not be alerted of any of the transactions. Once I realized this Bank of America advised me to file a police report. Which I did with XXXX, XXXX Detective XXXX XXXX ( XXXX XXXXXXXXXXXX ) an arrest warrant was issued for the man XXXX XXXX who stole my funds. XXXX XXXX Is wanted in XXXX and XXXX for criminal impersonation and fraud, but BoA did n't seem to take that information into consideration. Once again BoA denied my claim because they said I checked my online banking statements. When it was XXXX who was checking them. The final time BoA denied my claim they told me they had records of a phone call stating I approved transactions made on my account. But they did not have voice recording proof. They also have several ATM videos of XXXX taking thousands of dollars out every day. They are not using that as evidence. I have been going back and forth with BoA since XX/XX/XXXX and they have been nothing but rude to me and treating me as though I am a criminal when I am the victim. On XX/XX/2016 BoA contacted me and said my claim was denied for the final time and I would not get my funds back unless XXXX XXXX was taken into custody.
Consumer complaint received 2016-12-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I had an account with Bank of America in XXXX in XX/XX/XXXX and then opened another one in XX/XX/XXXX in XXXX and then opened one in XXXX, XXXX in XX/XX/XXXX. WHile a BOA customer in XX/XX/XXXX I filed a complaint with XXXX XXXX and with the Mayor of XXXX, XXXX and he forwarded all my complaints to the XXXX at XXXX XXXX. And put this in a letter to me. After XXXX XXXX XXXX, XXXX, XXXX, in XXXX XXXX, called the XXXX Police on me and sent them out to my apartment. XXXX. I thought I was in trouble just like in the XXXX. XXXX and a lot of credit card debt from XXXX. XXXX contacted me through XXXX and gave me his cell number in XXXX and we got into it. I was not allowed to look during XXXX. I told them 7 years no contact just to say bye-bye during their graduation so I would not have to see them again. I did not know I was being followed. XXXX XXXX ( whose name is something else ) with XXXX transferred to Bank of AMerica on XXXX in XXXX XXXX where my XXXX mom, XXXX and my older brother, XXXX Bank for years. I thought I was having a nightmare and flash backs. and called it in the Bank of American who could not transfer me to any one named, XXXX from XXXX. I let it go and moved to XXXX and then XXXX. There is a privacy issue. I have a XXXX through XXXX case number XXXX against my mom in XXXX, XXXX, XXXX. And I am afraid she will find out where I live again and try to reconnect. I would like to relocate to XXXX in XXXX. I do not ever want to see XXXX or my mother or her family again.
Consumer complaint received 2016-09-06
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

On XXXX XXXX I submitted on a web page to try a product for a trial period. The trial period was 18 days. On Sunday XXXX XXXX ( 18 days later ) I attempted to contact the business to cancel but no one was in the office. I called back on Monday ( XXXX ) but got the answering machine again. I then contacted Capital One ( my credit card merchant ) to get their help. The capital One representative called the business in question only to receive the same message I had gotten that no one was in the office. On Tuesday I contacted Capital One and we talked to a representative from the business in question. The rep advised that I had not canceled in time. She said there would be no refund. I hung up but checked my calendar and realized I had called in time. So Capital One and I called back. We went round and round and finally she offered to refund me half of my money. I told her I was not happy with that but to send it. 
I am writing this because I truly feel that I have been wronged. The trial period started after I made the transaction on the XXXX. 18 days later is Sunday XXXX XXXX. No one was in the office so I could not cancel. No one was in the office on Saturday XXXX XXXX so I was really only given a 16 day trial period. Is n't this fraud? The rep told us that they had reps in the office on Monday but the capital One rep read her notes that proved a call had been made that Monday and that no one was in their office. As I have understood trials like this if it ends on a Saturday or Sunday then the trial is usually extended to the next day that is not a Saturday, Sunday or holiday. The company rep told me I should have just called on Friday. So much for my 18 day trial. Can you help?
Consumer complaint received 2016-07-22
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I advised Ocwen that I received a loan modification approval with my XXXX lien holder. I called them for three days straight and they said I had to come up with the total due to reinstate loan, I expressed that I wished to modify as my first did and they said that it was too late that they had to have a package in 7 days prior to sale date. I found out that was untrue and that XXXX and XXXX are exempt from that rule. Had I been told the truth, I would have done everything I could to get a packet to them. The kept putting me on hold, saying they would try to escalate file and yet they did not and lied to me. I want the oppurtunity to stay in my home and continue with my modification trial months with my first and work out a modification with my XXXX yet the sold my property.
Consumer complaint received 2016-05-12
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery bought a XXXX credit card debt of mine from 2009 and for two years calls my business phone line multiple times a day. I consider this harassment. I have answered the phone and asked them to stop calling. PR admits that the debt is XXXX and not enforceable. But their strategy is to keep calling everyday multiple times until I succumb to this harassment on my business line. Can I sue for cease and desist and for damages?
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NY)

I settled the balance of loan in agreement with Chase Auto. I was told over the phone that if I paid and settled the debt that the account would no longer be reported onto my credit report. They have not honored the agreement even after cashing the cheque sent to them from me. They cashed the check and sold the debt in it's entire balance to XXXX XXXX agency. They both are reporting the debt in it's full balance as an open collection.
Consumer complaint received 2024-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION (NY)

I have no knowledge of this these fraudulent accounts. These accounts are a result of identity theft. I did not physically open these accounts in person at a branch nor did I open these accounts online with the bank. I am a victim of identity theft. These credit card accounts were open without my consent. There was also bank accounts opened in my name using my information obtained from a breach or other sources thieves use to obtain personal information and used to make payments on these accounts. Please remove this account from my transunion credit report. I have attached dispute letters along with an FTC identity theft report. & Police report.