davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

After literally years of trying to get Bank of America to send documentation as to why and how I am bound to their terms, I received an interesting document from Seterus whom Bank of America turned my loan over to. Now to be very clear, Bank of America did not provide this document to me even though I have been asking for it for years but here 's the most interesting part, it is a 'Assignment of Mortgage ' document dated XXXX/XXXX/2016. I hope everyone sees the issue here, they have for years not only been harassing me and collecting money and everything else, but very clearly they had not done what was proper and there 's still parts to it that are not proper but I still have n't put the pieces together with this. The fact is that Bank of America has grossly mis-handled my loan and I have another document that XXXX has provided which I believe to be forgery but first, I would like an explanation from Bank of America on this document and that explanation should include why BoA did not file this previously and also why was I not provided a copy from BoA??? One very notable part of this is that my loan was transferred to Countrywide so I still do not believe that this document is valid or relevant in any way. Another thing is that this document was never recorded which perhaps is a clear indication BoA knows there is a problem with this document. One more addition is that the 'note ' that XXXX sent does not match the original mortgage note that was recorded for the loan so again, there is A LOT of suspect material at this point!
Consumer complaint received 2015-06-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I went into the XXXX XXXX branch of Bank of America in XXXX, WA to make a deposit and to pay XXXX bills and the assistant manager wasacting as a teller and she was racist to me. She engaged in XXXX, XXXX bigotry, reverse discrimination, and age discrimination. 
She lied to me and was very rude and was arrogant to me as was hermanager XXXX. I have XXXX at the college and XXXX for39 years and their treatment of me was something you might expect from acouple of street punks. I want Bank of America to be fined and apologize for thetheir treatment of me and learn how to conduct business in a proper manner. 
Both XXXX and XXXX should be terminated over this which is not theXXXX time I have been lied to by these young kids who have certainly let theirXXXX management job go to their heads. I was trying to teach XXXX how Iwanted my transactions handled and she walked off and ignored mebecause she arrogantly thought that she knew better. It is no surprise thatBank of America has an F in customer service. Both of these young peoplewould have failed my Successful Leadership or Servant Leadership class. Itis time for a leadership change at this branch. XXXX have wisdomwhich many young people would do well to listen and learn from ourexperience. After 55 years in XXXX I believe I know a little bit about howbusiness should be conducted.
Consumer complaint received 2024-10-16
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Adjustment Company Incorporated (GA)

I have contacted XXXX XXXX was told I dont have an account with them Contacted Consumer Adjustment Agency XXXX XXXX XXXX XXXX I was told I dont have an account with them I called the number from the previous response and I was told I have an account XXXX XXXX XXXX and Consumer Adjustment are playing games with the credit. However I got time today.
Consumer complaint received 2016-08-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (GA)

Earlier this year, I received notification from my mortgage company stating that their records indicate I have not paid my property taxes. Which I do not escrow these funds, I actually pay them directly to my city and county. At this time, I contacted them and told them, yes I did pay my taxes and I actually sent them copies of the canceled checks and even the county website showing that my taxes were paid before they were due. A few months later, I received another notification and I sent them the information again, and even called them. At this time the person I spoke with we discussed the map id # 's and it appears they had a house XXXX-doors down from me listed as my property. I asked him how this happened. The representative told me that Nationstar used a 3rd party provider to verify if property taxes were paid. I advised the person at that time, that I would send the proof in again to show that My taxes were paid. The property that owes taxes was XXXX XXXX XXXX XXXX, which is owned by my ex spouse. I even advised them that this house has NOTHING to do with me, I have never had any association with that property. They assured me they would get this resolved. On XXXX XXXX I went online to pay my mortgage and they have now added $ XXXX+ per month for escrow on my account. By this time, I was very unhappy I called them again and spoke with XXXX XXXX and explained everything to him. He told me to allow him 3- days to review. After 5-days I called him back and he advised me that they had the wrong map # associated with my house and that taxes were due. I then ask for him to call the tax office so we could discuss. We then called XXXX County Tax office and spoke with XXXX, she verified that I paid my taxes, and that I did NOT owe any taxes. I then explained to her that my ex-spouse had owed taxes on XXXX XXXX XXXX XXXX and they were linking those taxes to my property. She then advised me that in XX/XX/XXXX NationStar had paid the past taxes on his property. At that time XXXX from Nationstar asked XXXX to send him this in writing, showing that my property was current on taxes and has been. After XXXX hung up, XXXX then asked if he could have 3-more days to review this and see what recommendations he could make since they paid out {$1200.00} on an account that was not mine. He then stated they could add this to my account. I advised him absolutely not, these are not my taxes and how could a mortgage company want me to pay taxes that are not mine and that they paid out in error because of lack of competence in their own organization. Now after this ordeal I do not trust this company to not add these expenses that are not mine to my account. I have no faith in their integrity or their business practices. I am to the point of contacting an attorney to ensure that my account is handled properly.
Consumer complaint received 2015-10-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (FL)

I feel I am being ripped off by a XXXX " membership '' fee.In the past the branch manger waived the fee for me which proves they feel they are ripping me off. Now that branch manager is gone last year the branch manger said " I will not do this waiving of fee for you anymore. I feel charging me an extra {$50.00} a year is not fair? they are making money on my loan already. Is this annual fee excessive??
Consumer complaint received 2015-07-07
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have just received a " Notice of Default '' from the servicer ( SPS ) on XXXX XXXX, XXXX. I believe my loan is NOT in default. 
Although my Ch.XXXX bankruptcy was discharged ( to my disbelief! ) recently on XXXX XXXX, XXXX, my case is XXXX pending the Bankruptcy Court 's decision on the Trial hearing next month, on XXXX XXXX, XXXX. The Court is supposed to Determine the Final Cure on XXXX XXXX, XXXX. 
In the " Notice of Default '', Select Portfolio Servicing ( SPS ) demanded that I paid an unreasonable, unsubstantiated cured amount in 30 days, or they will foreclose my house. The cured amount has been challenged in the bankruptcy court. The evidence of fraud, misrepresentation and other reasons will be submitted to the Court at the up-coming hearing in XXXX XXXX. 
I respectully request CFPB 's interferring to stop the abuse by the servicer ( SPS ) while waiting for the Court decision. The abuse has continued and carried on after XXXX XXXX XXXX had violated countless rules and regulations for almost 5 years. However, XXXX has MANAGED to try to cover-up by filing certain documents in the Bankruptcy Court and transferring the servicing and ( supposedly ) removed itself from liabilities. 
My loan originated a XX/XX/XXXX XXXX PASS-THROUGH CERTIFICATE SERIES XX/XX/XXXX-XXXX, modified under HAMP by XXXX in XX/XX/XXXX. 
Thank you for your time. 
Respectfully,
Consumer complaint received 2016-05-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: LendKey Technologies, Inc. (TX)

My problem concerns Lendkey Technologies , Inc. ( Lendkey ), and their " next business day '' payment processing policy for student loan borrowers. Lendkey allows borrowers to make a direct payment only on the XXXX of each month, which is also the day the payment is due. However, if the XXXX falls on a weekend or holiday, Lendkey processes the payment on the next available business day. This oftentimes lengthens the billing cycle by 1-3 days. Interest continues to accrue during the extra days, resulting in higher payments over the life of the loan for the borrower. 

This practice is unfair and deceptive. If Lendkey legitimately can not process payment on a weekend or holiday, then Lendkey should either 1 ) allow borrowers to make a direct payment on a date preceding the weekend or holiday, and/or 2 ) discount the interest that accrued on the loan during the extra days. Lendkey requires borrowers to make payment by the XXXX and threatens the borrowers with late fees if payment is not timely received. Yet, Lendkey apparently lacks the capacity to consistently process the payment by the due date. Lendkey 's inability to timely process payments should not result in a benefit for Lendkey at the expense of its borrowers. 

Lendkey may argue that the borrower breaks even because a lengthened billing cycle in Month A will equally reduce the length of the billing cycle in Month B. However, the balance of the loan and the interest per day will always be lower in the subsequent billing period because the borrower made a payment the previous month. Therefore, the money lost due to interest accrued during the weekend or holiday in Month A will always be greater than the money gained due to the shortened period in Month B. 

Accordingly, Lendkey should be made to revise its payment processing policy and reimburse the extra interest to the borrowers.
Consumer complaint received 2016-03-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (OR)

On XXXX/XXXX/XXXX I opened up an account at the US bank XXXX location when opening the account the branch manager XXXX helped set me up an account I was asked for my current proof of address I showed her my temporary valid Oregon driver 's license & a decree from the court for my name change she said that was okay & proceed to open up my account & everything was okay until 2 days later on XXXX/XXXX/XXXX I missed a call from the bank I returned the call & got transferred to the branch manager XXXX she then told me to bring in a proof of address I told her that my id has my current mailing address on it she told me to bring in a document after I had already showed her proof when opening my account the same day I brought in the document at her request XXXX/XXXX/XXXX I got another call from the bank manager asking me to bring in another document that has my name & proof of address again I told XXXX that I have already gave her several documents of my personal information & that its difficult for me to come in to bring in documents being that I have a XXXX & do not have access to a computer at that time she went on to tell me I have to bring in what she has asked for because my account will have a hold on it on XXXX/XXXX/XXXX I bring in the documents that XXXX asked for the very next day she made it difficult for me to use more then a XXXX for daily purchase 's & I tried using my atm card on XXXX/XXXX/XXXX & it would not let me access my funds I asked can I come into the bank & withdraw small amounts of my money per day until all is taking out she told me she has to order the money from the bank & that it would take 1 week I am being profiled with my own money I have tried calling district manager 's & other managers from other locations & still no one can help me no one has called me I look into this matter yet I also have proof that I emailed the bank manager XXXX & she never sent me a reply & the message was sent successfully Thank You.
Consumer complaint received 2016-10-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc. (CA)

As I pulled my credit reports I noticed a line item from NCC Business Scv for {$13.00}, XXXX as of XXXX/XXXX/XXXX on behalf of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX was an apartment complex that my daughter and I jointly signed a lease to rent an apartment from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. We ended the lease sooner then the signed lease agreement which we gave notice on XXXX/XXXX/XXXX to move out on XXXX/XXXX/XXXX. The lease break clause in our lease agreement states that we are responsible for {$3000.00} lease break fee and the last 30 days of the Resident 's occupancy of the premises. ( see attached lease ) They are charging us the cost of not renting the apt from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. They also are charging us for the Decon of the slab under the carpet of {$140.00}. ( the entire complex is infested with HUGE cockroaches ) I mentioned this in my letter to vacate. My daughter called the XXXX XXXX on XXXX/XXXX/XXXX at XXXX PT, which owns XXXX XXXX and they told her the XXXX XXXX was rented out in XXXX and the employee would email a new statement removing everything but the XXXX rent charges from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX, by Wednesday, XXXX/XXXX/XXXX. My daughter called back on XXXX/XXXX/XXXX and got a different employee and they said your account is with a collection agency and you need to call them. I called the collection agency and they told me that I needed to email them my dispute and attach any relevant documentation along with giving them permission to correspond via email. I sent NCC Business Scv an email ( see attachment ) on XXXX/XXXX/XXXX at XXXX PT with the reason for dispute of the charges of any rent past XXXX XXXX and the decon charges along with all of the attachments, ( final account statement ( which I never rcv 'd until I requested from them ) and the signed lease agreement. Total disputing is {$12000.00} ( rent ) plus {$140.00} ( decon ) leaving the total due of {$3200.00} plus # XXXX lease break fee minus my deposit of {$2000.00} equals {$4100.00} due. 
I called the NCC business scv today, XXXX/XXXX/XXXX at XXXX PT and spoke to a gentleman that I could not understand his name. He told me that it would be 10 business days before anyone could confirm receipt of my email and another 30 days to reach out the the apartment complex. I asked if he could send me those timelines in an email and he refused. I would like to pay what is fairly due according to my lease agreement of {$4100.00} and would like this removed for all XXXX credit reporting agencies for both myself and my daughter.. Please let me know if you need any additional information. The collection agency 's contact info is NCC Business Services XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX, XXXXXXXXXXXX. The debt was reported by XXXX XXXX XXXX owned by the XXXX XXXX at XXXX. 

Thank you for your consideration.
Consumer complaint received 2016-11-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Falls Collection Service Inc. (IL)

I have disputed and asked for validation of XXXX accounts from falls collection service. they have not sent the required documentation to me per the fdcpa. i do not owe this company money, nor did i sign a contract with them. as a result of me asking for the validation, THEY CHANGED THE NAME TO ANOTHER COLLECTON AGENCY AND RESUBMITTED TO THE CREDIT BUREAUS. I checked the addresses of the XXXX companies on multiple credit reports and they were the same ... FINCNTRL SVC XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX and FALLS COLLECTION SVC XXXX XXXX XXXX XXXXWI XXXX XXXX. THIS IS DECPETIVE AND UNACCEPTABLE. I WILL BE REPORTING THIS TO ALL GOVERNMENT AGENCIES AS IT IS ILLEGAL
Consumer complaint received 2016-07-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ALLIANCE FINANCIAL RESOURCES (AZ)

I just closed a mortgage loan in Arizona with Alliance Financial Resources on XXXX XXXX, 2016. Now I received a call the beginning of XXXX from the loan officer 's assistant saying the company made a mistake on the late fees. The fee went from XXXX percent to 5 percent and now Alliance has sent a new note for me to sign with late fees being 5 percent. Is this something Alliance can legally do? Please advise before I respond to Alliance.
Consumer complaint received 2016-07-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I have been monitoring my credit for over a year all of a sudden in XX/XX/XXXX this company states I owe them {$550.00} and the date of the first delinquency is XX/XX/2012 over four years ago. I have no idea what this is and why wait four years to say I owe this debt. I have not rcvd a debt validation or anything
Consumer complaint received 2016-02-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear Bank of America I received response to complaint XXXX The response is confusing and raised more questions Bank of America response mixed XXXX different loans and properties that are not related except by my name, mailing address, phone etc.- which raised more questions XXXX XXXX, XXXX Declaration by XXXX XXXX Here are the questions XXXX XXXX signed XXXX XXXX, XXXX Declaration of Diligence to reach me- How did XXXX XXXX try to reach me? 
Bank of America has confirmed based on response I had XXXX loans with Bank of America - with same name, address, phone number I was talking to Bank of America every other day to complete modification in which I was told my XXXX assigned representative would be responsible for completing both home loans modifications - when the new provisions were put in place to modify second home mortgage XXXX XXXX - at no time tried to reach me - my mailing address, and phone number is the same to this current date. 
XXXX XXXX - should have been able to contact my modification representative whom also worked for Bank of America Regarding XXXX XXXX Letter XXXX XXXX, XXXX the letter states the foreclosure was XXXX XXXX, XXXX - XXXX XXXX sent XXXX XXXX XXXX, XXXX XXXX I wrote back to XXXX XXXX and explained the XXXX from XXXX XXXX was not in envelope XXXX XXXX wrote back and stated XXXX XXXX did not acknowledging XXXX XXXX, XXXX foreclosure XXXX only XXXX XXXX, XXXX - XXXX with no explanation- stated DO NOT SEND ANY MORE QUESTIONS Bank of America - you attached XXXX - XXXX and XXXX- XXXX - where are the XXXX ? same as XXXX XXXX and did not attach neither XXXX 's. XXXX XXXX states foreclosure XXXX from XXXX XXXX and XXXX XXXX - and XXXX XXXX would not explain why there are XXXX XXXX. 
My question to Bank of America is why are there XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, XXXX XXXX Explain and attach XXXX 's with next response The Fair Debt Collection Practice Act does not support deceit, trickery, misrepresentation etc.
Consumer complaint received 2017-02-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (NJ)

My mortgage company, Loancare, purchased my loan from XXXX. My XXXX monthly payment went up {$400.00}. When I called Loancare, I was told that an escrow analysis was conducted in XXXX of XXXX. At that time it was determined that there was an escrow deficit in excess of {$3000.00}, which is beyond the normal course of affairs. Neither my taxes nor home insurance went up enough to cause that kind of deficit. I first called Loancare and emailed them with my issue on XXXX XXXX, requesting a full escrow history analysis. In the intervening time, I have been promised on XXXX occasions that a supervisor would be in touch that day or the next day, only to have that not occur. For two weeks, it was impossible to stay on the line and wait for an agent -- XXXX had to opt for a call back, which made it difficult to communicate with Loancare. Between XXXX XXXX and now, I have had the following information given to me agents/supervisors only to have the next XXXX refuse to acknowledge and confirm what was said : 1 ) XXXX agent, looking into the matter, indicated that it seemed that when my loan was purchased incomplete escrow monies came over and escrow monies were erroneously applied to principle ; 2 ) I had a supervisor last weekend explain that every payment I have made is being manually readjusted ( even dating back to XXXX before Loancare bought the loan ) -- the following agents have refused to confirm this ; 3 ) I was promised that the situation would be escalated to upper management and that I would be receiving a phone call on XX/XX/XXXX. That day has come and gone, as is par for the course with Loancare and how it seems to do business.
Consumer complaint received 2016-08-09
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (NY)

An Item I purchased but never received and disputed with Discover and Discover closed the account in favor of the Merchant and reported it to the credit agencies, lowering me score, it turns out the merchant was honest and issued a refund which they verified and XXXX verified, XXXX 2015 a refund as issued due to lack of inventory, but on XXXX XXXX 2015, Discover notified me in writing the cased was closed in the Merchant 's favor, but clearly it was not. I believe the XXXX attachments below will help to clarify my concern.
Consumer complaint received 2016-01-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NC)

I have disputed a judgment on my credit report twice for XXXX XXXX in the amount of {$1100.00}. I have provided Equifax a copy of the alleged judgment against me that shows a different person 's name and a different amount. Despite sending this information twice to Equifax they have repeatedly stated that they have verified this account and it belongs to me in their investigation results. I contacted Equifax directly at XXXX on XXXX XXXX, 2016 and spoke with XXXX in customer service regarding the dispute results for the most recent investigation. I asked the representative what information they had received from the XXXX County Courthouse or original creditor to prove that his account was mine and his response was he did not know. He then stated that he would send it back for " re-investigation '', I asked what where going to do when they review it again, he again stated that he did not know. I asked him did he have a copy of the information that they received to verify this account and he said that he did not have access to that information. He also stated that he could not tell me what would be done differently and that was all he would be able to do for me.