davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (CA)

I had a auto loan issued by Sovereign Bank and they sold it to Santander. Now Santander is reporting the account illegally reporting 90+ day lates month after month since the charge off date and have it listed as a 240 month loan. This was a car loan and car loans are n't 240 months just further confirming that they do n't even have the correct information to report this. I have tried multiple times disputing through the bureaus to no avail and have been ignored in demanding that these companies provide all the documentation showing they have it and are reporting correctly. Please help I tried to go through the proper channels and have been brushed aside.
Consumer complaint received 2015-05-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

My mortgage was sold from XXXX XXXX XXXX XXXX Carrington Mortgage Services LLC XXXX 2015. I have been informed that I have no control over which company buy and sell my loan which I find disturbing. Carrington Mortgage Services LLC has the worst consumer services. I stayed on the phone tonight at least 30 minutes waiting to speak to a consumer service rep. regarding notice from Carrington informing me of additional random fees that can be assessed to my account. I requested a copy of the my initial loan regarding additional fees. But I feel it 's unfair that my loan has been sold to a debt collector when I am in good standing with my loan. I feel that these so called fees are ways for Carrington Mortgage Services LLC make profits off consumers and that 's not fair. Carrington is already getting the interest.
Consumer complaint received 2016-01-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCC Business Services, Inc. (TX)

I have NCC Business Services on my credit report twice. They claim I owe a debt from XXXX XXXX Apartments. In which I have never lived in these apartments in my life. I gave my financial coach XXXX XXXX with XXXX the consent to speak on my behalf to see about clarifying the paying of this debt. Come to find out that they have this debt under another XXXX and under a different date of birth and social security number. I will provide my credit report and the consent form I signed with my Financial coach.
Consumer complaint received 2016-08-18
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: LoanCare, LLC (FL)

On XXXX XXXX XXXX my home was flooded during hurricane XXXX and and was not livable and we were displaced. We contacted our insurance and got thing 's stared on XXXX XXXX .Working with Loan Care was a nightmare from the beginning the incompetence Communication and lack of organization was unbelievable .They lost parts of FAX Numerous times declined a contractor without letting me know WHY A month later when I called to find out what was happening? I was told that needed another contractor bid.I was rather upset sine my home was stilling in water moisture and mold and that they weted a month without informing me. Upset I bought Fans and Dehumidifiers to dry out my homeI called to find out about getting Reimburse I was told that I could n't place then in my home or be reimburse After months of lost & missed placed paperwork and no communication they told me they had sent {$20.00} in XXXX in XXXX and they immediately over knighted a check that had we had that check in XXXX we could have had our home dried much sooner The was to be signed by all parties and given to contractor as per Loan Care and caused much stress on us during an already terrible stuation the endless being switched around from person to person asking Over and Over for copies of all paperwork pertaining to our loan because the flood had ruined our copies. Loss of communication on contractor process not having a choice or allowed to have a choice in who did the home repairs but had to sign a contract. I feel that what they put us through caused our home to be damaged even more than the flood had. This contractor was to be complted by XXXX XXXX yet inspection says 30 % complete and that contractor demolished more then needed and was given {$40.00}. Causing us to be in a situation they may cause loss of our home could not pay the mortgage this month for the first time. We have had to deplete our saving and now we are on our way to foreclosure.This was a flood not caused by Loan Care but because of them uor Life has been greatly affected XXXX/XXXX/XXXX still have not got any paoper work I ask for.AND THERE IS MORE
Consumer complaint received 2017-01-28
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: HCFS Healthcare Financial Services of TeamHealth (MT)

Account Resolution Services has continued to harass me for someone else 's debt. From what they have told me they are trying to collect from XXXX. They keep calling me. I have told them numberous times to take my number off their list. They continue to change phone numbers and use VOIP. I tell them I am not XXXX and they say sure XXXX we will call back. My number is also registered to my XXXX. These calls need to stop or I will hire a lawyer.
Consumer complaint received 2017-01-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed the Bankruptcy that is showing on my report and the Bankruptcy still remains. I would like for Credit Reporting Agency to provide their method of verification on this. I have already spoken with the court that is listed on the Credit Report and they deny supplying information to the Credit Reporting Agency as it relates to Bankruptcy.
Consumer complaint received 2016-12-30
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK (MI)

On XXXX XXXX, 2016, I purchased a smart XXXX Watch XXXX XXXX XXXX at XXXX XXXX for {$290.00} ( excluding tax ) using my Discover XXXX credit card. I found a lower price on XXXX XXXX, 2016 for the same exact item on XXXX for {$220.00} ( excluding tax ). On XXXX XXXX, 2016, I submitted a claim for Discover 's Price Protection, a program which reimburses you for items purchased with your Discover credit card if you find a lower price for the item within 90 days. The claim was for {$71.00} ( the difference between the price I bought the item for and the price I found a few days later for the same item ). When I filled the claim, the claim representative indicated that watches are excluded per the terms and conditions. I read the terms and no where did it state that watches were excluded. The representative claimed that watches are considered jewelry, which is excluded in the terms and conditions. I asked the representative if you can turn on and off jewelry items as my claim was for a smart watch that can be turned on and off. She agreed that you can not turn on and off jewelry items, and then gave me a claim number ( XXXX ) to submit the proper documentation. I called to check the status of the claim and was told it was denied since it was a watch. I spoke with a women in the President 's Office of the claim administrator and they indicated that Discover gave them directions to exclude any item that even included the word " watch '' in the product name. I explained that the XXXX Watch is a smart watch that is not sold in jewelry stores or in the jewelry department. Moreover, I explained that the XXXX Watch is essentially a mini computer that you wear on your wrist, that can make and send text messages, calls, and even check the current weather ; I explained that the XXXX watch is an electronic and not a jewelry item. She indicated that this is not the first time that a smart watch has been denied and it is under the direction of Discover. I called Discover prior to this conversation with the Claim Administrator, and the Discover customer service agent filed a inquiry regarding this subject matter and said the executive office may or may not contact me back. Discover never contacted me back. My claim was denied because Discover is claiming this is a jewelry item even though the claim administrator representative on XXXX agreed that jewelry can not be turned on and off and thus agreed that the XXXX Watch was not a jewelry item.
Consumer complaint received 2015-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BBVA FINANCIAL CORPORATION (GA)

We applied for a mortgage with BBVA Compass. Senior Mortgage Banking Officer was XXXX XXXX in XXXX FL. We applied on XXXX XXXX, 2015 to close on XXXX XXXX, 2015. XXXX XXXX was the Consumer Asset Processor III - XXXX # XXXX. 

We bought a house in XXXX Florida with 26 % down. Five days before close they say that they sent emails to my present employer but my employer had asked for things in writing due to high fraud levels. I say surely your bank can figure this out before now, but they outsource all the verification and do n't send written mail apparently. Three days before the close, XXXX calls to say they now want 75 % down which was a huge sum of money. 

It was too late to find another bank and had we known that they were untrustworthy earlier we could have easily changed. It is so late that we have to sell a lot of stock and mutual funds quickly to raise the money to clear in time to close. So we sell a ton of shares and funds. It all clears the day before thanks to great work by our broker ( it usually takes three days to clear ). 

I write XXXX XXXX who is the EVP for BBVA Compass XXXX to ask for his help. No reply from XXXX XXXX and no help from BBVA Compass even after I ask for managers or executives to speak with after hearing this ridiculous change from XXXX XXXX and XXXX XXXX. Neither of them would give me another manager or executive 's name. I also called the bank branch asking to speak with the bank president with no luck. 

I am now worried about the creditworthiness of the bank, since I have raised the money but have no guarantee that they will close on time after such a radical breakdown in trust. 

Given that we had XXXX choice to change or do anything else, we close on the XXXX and the bank wires the money at the end of the day. 

The irony is that we had enough money to buy the home for cash and yet the bank changed the loan amount at the last minute and we were more concerned about their coming through. 

We now have a loan with BBVA Compass and would never recommend them, XXXX XXXX, or XXXX XXXX to anyone. In fact, they along with XXXX XXXX should be fired for what seems like their misrepresentations on closing the loan and terrible timing to change the terms of our agreement. We will pay the loan off well before the end of the loan since they do not deserve our business or patronage.
Consumer complaint received 2015-07-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

Carrington Mortgage bought mortgage from XXXX and increased amount paid to escrow even though my insurance and taxes have not risen, They said once paid, I have an escrow balance of {$130.00} but they need it to be {$480.00} dollars so my mortgage payment went up. Can they do this arbitrarily? What is they want my extra escrow balance to be {$1000.00} or {$1500.00}?
Consumer complaint received 2016-09-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

My mortgage servicing was transferred to Loan Care. They immediately started robe-calling me every day. The robocaller simply says " Please call Loan Care back at & lt ; number & gt ; '' and nothing else. Not necessarily exactly those words, but no actual information about reason for call or possibility to stop the calls. So far there are XXXX numbers they have called from ... XXXX and XXXX. In each case, they ask me to call the number they called from back. Interestingly, their caller ID does not come in as XXXX, but as XXXX XXXX XXXX XXXX XXXX XXXX. 

I 've called them back as requested several times and each time I 've been assured that they will stop the robocalls. Each time, they have failed to do so. 

It 's maddening and they call at different, mostly inconvenient times each day.
Consumer complaint received 2015-06-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NM)

Carrington Mortgage bought my loan about 3 mo ago from XXXX XXXX XXXX. It is a XXXX property. With escrow etc it comes out to XXXX monthly. I found out my insurance company had increased my policy by 3 times the amount in XX/XX/XXXX. This brought my escrow account to XXXX negative. I cancelled that policy effective XXXX XXXX. And started another policy that is 3 time less. With no warning or chance to pay the negative escrow Carrington just sends me a bill for my new payment of XXXX mo. On a XXXX property that only has XXXX yr taxes. They want and escrowed amount of XXXX mo. I have called them twice and now emailed them in reference to this. Their agents tell me it is an escrow cushion. They are asking for XXXX year escrow and my property taxes are XXXX and my insurance is XXXX yr. I told them I wish to pay the negative escrow not to raise the payment. Even with the old insurance amount, negative escrow, and taxes they are still asking for an additional XXXX in my escrow account. I sure can not afford to have my monthly payment increase by XXXX just like that!!!
Consumer complaint received 2015-11-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Synergetic Communication Inc (PA)

I continued to be called incessantly and at all hours by various representatives of " Synergetic Communication, Inc '' with a " Settlement Offer '' of {$410.00} on a " Current Balance '' of {$740.00} with XXXX. I do NOT owe XXXX, " Synergetic Communication, Inc '' nor anyone connected with either firm ANYTHING!
Consumer complaint received 2023-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

contacted XXXX to check my credit rating and learned my score is only XXXX because the Capital One false information is still on my record with all the credit companies and this is causing me financial hardships when getting quotes for homeowners and auto insurance. I have refuted Capital One 's claim and they have never provided the one piece of proof that will support my claim that I don't owe them anything. Also, this issue goes back many years to the actual incident. But Capital One has repeatedly moved the date each time they contacted me or their collection agency called me. This process needs consumer financial revision. The game they are playing is against consumers unfairly and shouldn't be allowed. What Capital One has done in this case is ignore the truth. I shouldn't have to hire an attorney to get this corrected. This complaint is on-going and CFPB should step up and make Capital One provide the " recorded conversation between me and their office representative who correctly said I was not responsible and not to worry I would not be charged for the fraud. '' Consumers deserve honest treatment.
Consumer complaint received 2015-05-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (FL)

Hello, I am a XXXX year old single mother of XXXX. I am writing this complaint as I have no where else to turn. I had a checking account with BBVA Compass in XXXX, Fl in 2009. The account became over drawn, which was an over sight on my part. The account was closed. I have been fighting with this for years and BBVA Compass have not been helpful. They never informed me that I was reported to a company called XXXX XXXX Services. The overdraft on my account was simply an over sight. It was no way intended to cause fraud. I went into XXXX of the local BBVA Compass branches and spoke with a branch manager and I was given a print out of when the account was opened and when it closed. Keep in mind, this account was paid to a zero balance. The overdraft amount was {$7.00} according to my print out. I paid BBVA compass for the overdraft and any associated fees a few years ago. The word " Fraud '' has been hanging over my head every since and again there was no way this account was associated with fraud. I am not a criminal and I have no criminal record nor do I have fraud on my back ground. I am a law abiding working citizen that made a minor mistake and its costing me dearly. Please have Compass review there records and remove this label from my name. This account was not associated with nor intended to be used in any type of fraud activity. If BBVA Compass truly believe this account was intended for fraud, please prove it. I dont owe them anything. And if BBVA Compass does not want my business, I understand but please dont make it hard for me to move on to another financial institution. This is so unfortunate and these kind of practises are intended to hold back the already middle class to poor. Life is a struggle as it is and with paying additional fees to cash my payroll check or pay for pre-paid cards is really hard on me. If you can pull records from BBVA Compass, they allowed me to re-open an account only to close it a few days later and didnt give me an explanation. Never told me they reported me to a place called early warning services for the very very old account back in 2009. I have suffered enough. Again, please review your records as the account was not intended to be used for any mis-leading purposes. I have attached the printout that was given to me and a letter.
Consumer complaint received 2024-08-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

ON XX/XX/XXXX I was instructed to send XXXX XXXX XXXX  in regards to a property I was purchasing XXXX XXXX XXXX XXXX Florida XXXX. I went to Bank of America XXXX XXXX XXXX XXXX XXXX NY XXXX. I am customer with Bank of America for over 20 years. The funds for {$210000.00} was sent for closing on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Me and my husband arrive on time for the closing my realtor XXXX XXXX from XXXX XXXX was at the closing with other people that he confirm was a part of the team. We did not get the until XXXX XX/XX/XXXX from our realtor he congratulated and leave. About XXXX he called us and said that title company did not receive our wire. I called Bank of America fraud immediately and ask the to stop payment and i was told the funds was still there. I then went to XXXX Police Department to report what had happen. XXXX XXXX XXXX XXXX took our report XX/XX/XXXX Case number XXXX XXXX and was told that a detective would call me. I called and spoke to him and he did not have any information. I went back to NY and i was told to sign the XXXX XXXX Acknowledgment form which I did sign before they could help me. I called almost everyday with no success I then reported my situation to the OCC on which they was investigating and stop. i now ask for them to reopen this case on which they are gave me a new case number XXXX. Please i am begging for your help right now my heart is so broken i do not have a job and very little money my husband heart by passes several please help me. The bank have the information where my money went and they refuse to help me thanks in advance XXXX XXXX.
Consumer complaint received 2017-02-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (PA)

My mortgage provider, XXXX. My Loan Care ( www.myloancare.com ) reported me as delinquent in early XXXX, in violation of the rules which give me a grace period for the acquisition. I called and spoke to a representative who said I would not be reported to the credit agencies. While seeking a loan on XX/XX/2017 I was told that I was reported to the credit bureaus as delinquent. My urgently needed loan was rejected and I am unable to get My Loan Care to remove this delinquency. My loan number is Loan Number is XXXX
Consumer complaint received 2017-02-10
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2017, an individual other than me - and XXXX without the authority to enact changes on my account - was able to walk into a local Chase bank branch and close an account that only I am authorized on, which the personal banker with whom that individual spoke confirmed to the credit card department that I was requesting closure of the account in question. 

I was made aware of the situation the very next day when, after logging into the account online, was notified the account had been closed without my knowledge. I have since requested restitution for this breach of the agreement that I signed with Chase as well as the breach in security and violation of federal regulations concerning Customer Identification Procedures and XXXX provisions. Apart from the immediate impact, I am very concerned about the lasting effects on my personal credit and security. 

To date, Chase bank 's response was that it is an internal problem and they would be happy to reopen the account. This is unacceptable due to the concerns outlined above.
Consumer complaint received 2016-03-07
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: U.S. BANCORP (KS)

I have a pre-paid debit card through XXXX issued by US Bank National Association out of XXXX. XXXX processed a refund in the amount of {$490.00} on XXXX/XXXX/2016 at XXXX. It immediately appeared as complete in my online account and mobile app balance. When I call the account information line it notes my available balance as {$490.00}. There is even a debit of {$27.00} made on my account on XXXX/XXXX/2016 on XXXX AFTER the credit leaving me with a balance of {$490.00}. Yet I can not use my card to make purchases or pay bills. I called the customer information line twice and was told both times that it can take 24-72 hours for a refund to appear on my account because they put a block on it to guard against fraud. This does n't happen if I return an item at XXXX - the funds are instantly available and this is no different than any other electronic transaction. I asked when I would know when I could access those funds and I was told by both representatives that I should try to make a purchase and see if it will go through. so as I understand it I am supposed to take goods to a counter and present a card to see if I will suffer the embarrasment of it being declined jsut to see if my finds are available to me yet, even though everythig I see and hear tells me they are available. This is copied directly from my online statement : Card # XXXX Balance {$490.00} Rewards PointsUnavailable Last Login XXXX/XXXX/2016 XXXX CST Card Information Card Activity Statement Change PIN Card to Card Transfer Recharge Your Card Mobile Alerts Direct Deposit Form Pay Bills Card Activity " RP '' indicates Recurring Payments TimeCard No.Description/MerchantStatusAmountBalance XXXX/XXXX/2016 XXXX VISA PURCHASE XXXX # XXXX, XXXX Complete- {$27.00} {$490.00} XXXX/XXXX/2016 XXXX PURCHASE REFUND XXXX XXXX XXXX XXXX XXXX XXXXXXXX Complete {$490.00} {$520.00}