davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION (NY)

Good afternoon - I am writing in regards to my PMI ( Private Mortgage Insurance ) removal from my FHA Loan. I been paying my mortgage on time for over 4 years now ( Closed on the house in  XXXX   2013  ). I have asked the mortgage company multiple times to remove the PMI from my loan which is about {$450.00} per mo nth ( cl ose to {$5500.00} a year ). This is an extreme amount of money and is putting a huge financial strain on my family and finances. I have called and i sent messages to the bank and i keep getting rejected every time. I am always paying the mortgage on time and have never been late up to this point.
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bass & Associates, P.C., Attorneys at Law (SC)

Spoke XXXX # XXXX, XXXX XXXX was consolidated XXXX XXXX 2004, and they are not going to stop reporting even the account is closed and the statue of reporting which I was previously advised is 10 years, This is hurting me really bad on my credit and I do not have a contract with Bass and Assoc since they are saying that 's who they sold my loans to, so the Bass and Assoc is adding monthly fees to make it look my loans are current when in fact they are 14yrs old. Can you please get XXXX to stop reporting a closed account? This is a violation from the statue of 10yrs and it 's looking like my loans are new when it 's from 2004. Can you please help me get them to stop reporting charges onto my closed acount? They do not need to delete just stop adding new balances PLEASE
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WI)

Checked my credit report to find  XXXX  also listed as  XXXX   XXXX , tire dealers listed as a hard inquire on my report.  XXXX   XXXX  has  XXXX  location in the United States.  XXXX  is in  XXXX , ME. I live in the Midwest and have never been to Maine. I do not conduct business with tire dealerships, I pay cash for tires and would not open a credit account to purchase tires and if I did it would not be in  XXXX , ME
Consumer complaint received 2017-06-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Van Ru Credit Corporation (CA)

Van Ru Credit Corporation has been continually attempting to collect a debt on behalf of a medical bill based on services that were not properly documented by a hospital outside of my primary provider 's network. This matter was resolved with the provider  (   XXXX   XXXX   XXXX   ),  and the external provider was notified of the proper documentation and billing procedures for these services. I have a recorded phone call conversation between myself, my primary provider  (   XXXX   XXXX   ) , and  XXXX , where all parties involved acknowledged next steps to take ( in the form of a resolution between  XXXX  and  XXXX  ).  XXXX  is required to submit new information, including documented medical codes ( this is at the root of the billing issue  ) so tha t the claim can be properly processed. I should no longer be involved in the claims process, other than to be alerted of a resolution. That conversation took place  XX/XX/XXXX . I have experienced continual harassment in the form of collection letters and phone calls since the time the services were rendered-that was in  XX/XX/XXXX . I have sent a number of letters to the parties attempting to collect debt, and have documentation verifying that these letters were received.
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Transunion is reporting chapter  XXXX  bk on my credit report on  XXXX   XXXX ,  2015 . I have send information from bankruptcy court stating courts do not verify a bk and transunion continues to report a bk on my report. This is the only bureau that reports this. They refuse to remove with the proper documation submitted
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ability Recovery Services, LLC (OH)

This complaint is in response to complaint :  XXXX   <P/> I sent letters to company requesting verification/validation of this account via my signature. They responded on   XXXX     with a printed out form of account details. Still nothing baring my signature. They did not explain or indicate how this situation could be fixed.
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I HAVE  XXXX  ACCOUNT WITH CAPITAL ONE AND THEY HAVE FAILED TO  XXXX  AS AGREED TO WHEN APLLYING FOR CREDIT CARDS.  XXXX ,  XXXX ,  XXXX  AND  XXXX . I AM NOT PLAYING GANES WITH ALL CREDIT FURNISHERS WHO ARE NOT COMPLYING WITH AGREEMENTS AND THUS WILL NOT HONOR SAID DEBT, CLOSE ACCOUNTS AND DISCHARGED DEBT VIA  XXXX  AND CEASE ALL CREDIT REPORTING OR BE SUED IN CLASS ACTION EFFORTS.  <P/>  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  AND  CAPITAL ONE FIN ANCIAL.  <P/> WE HAVE RETAINED LAW FIRM.
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

There is a fraudulent Department of Education account on my credit report. I have sent an affidavit with a notorized police report stating the false account. The account was opened somewhere arou nd 2014 and is for an amount totaling around {$15000.00}. I have requested by an affidavit that they provide me with the ORIGINAL contract signed which is stated by federal law through the FCRA Section 609 ( a ) ( 1 ) ( A ). They have still not provided me with it. In Texas every creditor is required to be bonded through the Secretary of State in which the Department of Education is not. Please remove all accounts from my credit  report immediately. Thanks.
Consumer complaint received 2016-04-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Credit Systems International, Inc. (TX)

debt was included in a bankruptcy Chapter XXXX case number XXXX, this was filed on XX/XX/2016. this should be removed. I disputed this account to the XXXX credit reporting agencies and the creditor and they did not remove the account from my credit report.
Consumer complaint received 2016-12-28
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Caliber Home Loans, Inc. (WA)

I have a home loan with caliber, they offered a refinance to a better rate for a 20 year loan with with a rate of 3.75 % and a total closing cost of XXXX. This was started in XXXX, documents were signed then no communication until XXXX when I got new paperwork showing my loan went up to 4 % with closing cost of over XXXX. multiple attempts of communication with the company with no response. today I finally spoke with someone who said it was human error and he can not honor the original documents as it was to much of a loss of the company, all of this after i have paid the XXXX in appraisal fees.
Consumer complaint received 2016-09-12
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Collections-I, LLC (AZ)

On XXXX/XXXX/XXXX I went to XXXX Hospital XXXX XXXX, XXXX, Arizona. Services were rendered, I paid the {$100.00} copay, the hospital sent XXXX XXXX the electronic file for the claim. I received from XXXX XXXX an Explanation of Benefits via USPS, stating the Claim # referenced as XXXX Amount billed was {$370.00}, and what I owe was a {$0.00} balance. In XXXX XXXX when I pulled my credit I find XXXX Hospital never followed through for payment from XXXX and sent my bill to collections. Which impaired my credit by falsly sending me to a credit collection agency, Which I paid XXXX/XXXX/XXXX. Since then XXXX Hospital resent the electronic filing back and now XXXX is denying paying the claim they never paid. In which I have documentation they were paying under my insurance plan. Now XXXX Hospital has basically dumped this on me stating it is my issue to resolve. If they had processed and followed up with the insurance company and had done their job, there would not be this complaint. I am getting the run around with XXXX XXXX to pay the claim as well.
Consumer complaint received 2016-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX credit card did XXXX hard inquiries on my credit score because of that my credit score has negative impact can you please remove it because I do n't recognize this inquiries I do n't have XXXX XXXX credit card or I never tried to having it
Consumer complaint received 2016-10-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (IL)

For medical services rendered on behalf of my daughter in XXXX XXXX, I gave XXXX XXXX XXXX in XXXX, Illinois my insurance card so they could submit the claim to the insurance company. They apparently entered the insurance information inaccurately, and insurance coverage was initially denied due to the hospital providing the wrong policy number. When I discovered in XXXX XXXX that I was being billed for the full amount of {$4800.00} ( an outrageous amount for a XXXX, but that is another issue ), I contacted the hospital to determine why I was being billed for the full amount and why insurance had n't covered some portion of it. I once again gave them my correct insurance information, and they advised me they would take care of resubmitting the claim to the insurance company and would resubmit a new bill to me once my medical insurance had been properly submitted. Instead of receiving a corrected bill, within two months, I began receiving harassing notices and calls from a collection agency for the full amount of {$4800.00}, so I contacted the hospital again. I once again explained the situation, asked them to resubmit the claim to the insurance company, and asked them to contact their collection agency and remove the claim from collections and to contact any other credit reporting agencies to which the information was sent that may affect my credit score. Long story short, none of this ever happened. I have contacted the hospital four separate times about this, and each time I was assured the problem would be addressed. I also have explained the problem to the collection agency ( Harris & Harris ), and they say they can do nothing about it. Today I received another harassing call from the collection agency, so I contacted the hospital yet again. They advised me for the first time that they finally have received reimbursement from the health insurance company, reducing the balance due to {$430.00}. I advised them that I would be happy to pay that amount in full, but I needed them to contact their collection agency and the credit reporting agencies to fix their mess so my credit score would not be affected. Despite having never received a corrected bill showing the new amount, I did pay the {$430.00} in full over the phone. Nevertheless, the hospital 's account personnel advise me they can do nothing about their collection agency and my credit score even though it was entirely their fault. Please let me know what can be done to remedy this situation. Should I file a claim? Given the amount of trouble and harassment I had to endure combined with the damage to my credit score that the hospital tells me they will do nothing to remedy, I believe I am entitled to statutory and compensatory damages.
Consumer complaint received 2016-11-26
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One credit card complaint. Received card during 2014 and a late fee would be assessed at any point where monthly payment was made before due date. Payment had to be made few days before due date or on the exact due date or else it would be considered late. In addition, a one time charge was made to a company called XXXX for {$19.00}. In actuality this charge appeared on charge card statement every month after that. Finally closed account because of the company not being able to handle this problem adequately and charging me for deceptive charges. Although I changed account number and got a replacement card, these {$19.00} charges kept appearing on the new cards. I had been instructed by the credit card company to get new acct number and replacement cards and problem was not resolved. The credit card response as to how these charges were continuing to appear on new credit card acct number and replacement cards is that it was out of their control.
Consumer complaint received 2016-11-28
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (CA)

I purchased XXXX from XXXX and followed the email instructions XXXX sent me after they received my order, as to their method of payment. I 've copied and pasted their instructions below. After I wired the money, via Western Union, I sent them an email with the requested XXXX # that Western Union gave me. On XXXX XXXX, XXXX XXXX picked up the money wire and I have n't heard from them since. No confirmation of the wire pick-up, no nothing. I 've emailed them 5 times, to no avail ... .no further contact from them. Below that email, I 've copied and pasted the confirmation email from Western Union that my money wire had been picked up by the company. 
XXXX Order Confirmation No : XXXX Order Confirmation from XXXX XXXX XXXX Thanks for shopping with us today! 
The following are the details of your order. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Order Number : XXXX Date Ordered : Sunday XXXX XXXX, 2016 Detailed Invoice : XXXX Products XXXX = {$87.00} XXXX Sub-Total : {$87.00} Zone Rates ( Shipping to US ) : {$12.00} Total : {$99.00} XXXX XXXX XXXX United States Billing Address ( removed by XXXX XXXX ) XXXX XXXX XXXX United States Payment Method XXXX Transfer Money Payment Make Payable To : There are different ways you can pay for orders : 1.Western Union 2.Wire Transfer Western Union Payment Paying with Western Union Login : http : //www.westernunion.com send money and select Cash at agent location Our Western Union account First Name : XXXX Last Name : XXXX Address : XXXX Phone : XXXX After the payment, plese tell us your payment XXXX number ( WU XXXX XXXX ), And email us a copy of the Western Union receipt, and your XXXX # with sender name. Pls send Payment Information to : XXXXXXXXXXXX Wire Transfer Paying with Wire Transfer : We are also happy to accept Wire Transfer payment in USD, XXXX, XXXX, XXXX currency for most orders. For Wire Transfer payments : Bank Name : XXXX Account Number : ( XXXX ) Account Name : XXXX XXXX ( First Name : XXXX / Last Name : XXXX ) Address : XXXX Phone : XXXX Note : After the payment, plese tell us your payment Track number and Order number Will send order in 72hour, USPS ship. 
This email address was given to us by you or by one of our customers. If you feel that you have received this email in error, please send an email to XXXXXXXXXXXX -- -- Copyright ( c ) 2016 XXXX. Powered by XXXX XXXX This email is sent in accordance with the XXXX XXXX Law in effect WESTERN UNION 'S CONFIRMATION EMAIL TO ME : From : XXXXXXXXXXXX Subject : Western Union : Pickup Notification. 
Date : XXXX XXXX, 2016 at XXXX PDT To : XXXXXXXXXXXX Dear XXXX XXXX, Thank you for using the Western Union Money Transfer ( R ) service. 
Your money transfer has been picked up by the receiver. Following is a summary of your transaction. 
TRANSACTION DETAILS : Money Transfer Control Number ( XXXX ) : XXXX Date of Order:XX/XX/2016 Amount Sent : {$99.00} Receiver Name : XXXX XXXX Status : Picked Up
Consumer complaint received 2016-06-24
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

hi i just found that i have a judement on my home i have been working with a mortgage company on selling my home so i can move closer to work the problem is i have contacted FIA Card Services several times also my mortgage company has to we have sent all info they asked for to release the judement and know body has contacted me or the mortgage company everything shows satisfied on my credit report we was told that me or my mortgage company would be contacted in 24 to 48 hours this has been going on for a month what is sad you can not talk with the people that handles this you talk with someone that tells you what to fax to them i filed bankruptcy in 2010 and they act like they dont have to do anything
Consumer complaint received 2017-01-31
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA)

On XX/XX/XXXX I called in to Evergreen Professional Recoveries to pay off an account they had under my name. I paid the balance in full, and was told that I would be receiving confirmation of this within 7-10 days. 

I waited 10 business days before calling back on XX/XX/2017. I was informed at this time that the letter had not been sent out, but it would be the following day, and that I should expect to receive the confirmation letter no later than Friday, XX/XX/XXXX. I waited until Monday -- still no letter. So I called again. This time, I was told I would be emailed the confirmation within 24 hours. I agreed that this was fine. 

Next day - no email, still no letter. I called in again and this time asked to speak with a supervisor in an attempt to expedite the process. What follows is my reason for submitting the complaint. 

First, XXXX came on the phone. She was rude, interrupted and talked over me while trying to explain what I had already been told. She would not let me speak, so I asked for her manager. She put me on hold for several minutes before returning and briefly attempting to apologize ( at least, I *think* it was some form of an apology ). She then placed me back on hold to speak with her manager. 

This man 's name was XXXX. He was equally as rude, combative, and unprofessional as XXXX. He never acknowledged the false promises that were made and refused to send me the confirmation email. 

I still have not received the confirmation of payment, which posted now 25 days ago.
Consumer complaint received 2016-11-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CO)

I paid off my mortgage with Loancare / XXXX XXXX over two months ago and they will not send a release of trust deed to the county clerk, nor send me the cancelled promissory note, etc. Each time I contact them they give me a different story and a run-around. One time they say it was sent to the County the day after I paid it off ( the county has no record of receiving anything ), another time they say it has n't been sent to the county yet ( which is simple for them to do ), etc. They received the full payoff funds via wire transfer, and they show the loan paid in full on their web site. They give different lengths of time to wait, etc. always longer than it has already been. Reading other reviews on the web about them it 's common to see they do n't act reputably.
Consumer complaint received 2016-05-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (IL)

A year ago I received a bill from XXXX XXXX XXXX in the amount {$690.00}. I contacted XXXX and was told that this bill was in error and that I do not owe this. I asked how did I get this in the first place and they claimed that originally that I had missed some payments. So I asked to be transfeered to their colllection department just to make sure the that both departments were saying the same thing. We went over the bill for the past 7 months ( the months they claimed I owed ). This is when I was told that I did not owe balance and that they would take care and make it right Last week I received this same bill this time from their in-house collection group. I am furious.
Consumer complaint received 2017-02-01
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of america had agreed to stop reporting negative remarks to the XXXX major credit reporting agency 's. The account is closed. I contacted bank of america in regards to this issue as they are reporting every month to the credit reporting agency 's with XXXX remarks which is affecting my credit score in a negative way. I was told when I spoke with corporate office for bank of america that at my request being the account is closed the negative remarks will no longer be reporting. However upon checking my credit reports they are still reporting every month.
Consumer complaint received 2016-11-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OK)

I went to a civilian hospital ( XXXX XXXX XXXX Hospital ) in XXXX, OK and had to go to the hospital. XXXX at XXXX XXXX Hospital ( XXXX XXXX, OK ) ) took care of my bill but the XXXX XXXX XXXX Hospital attempting charge me fraudulent charges. Their false claim has negatively affected my credit score and I respectfully request that this incorrect information be promptly removed from my credit score. Thank you.