davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-27
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: Alorica Inc. (CA)

Received collection letter to the estate of deceased parent. 

I contacted the originating bank survivor relations department : ( 1 ) the bank did not report anything for collection, ( 2 ) all accounts of the decedent have been paid in full and are closed, ( 3 ) the account number reported does not exist, and ( 4 ) this is a phishing attempt. 

I called the collection company, they insisted they have been retained to handle the account and have a file from the bank. I told them I have contacted the bank and relayed everything listed above. They said they would make notes to my file and I would not be contacted again.
Consumer complaint received 2016-03-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I 've been working with an attorney for several years to get a a loan modification due to hardship from my husbands loss of employment. Bank of America granted a DOJ modification with principal reduction and impounded taxes in XXXX XXXX. It was finalized a few months later. In XXXX XXXX the loans wa service released to XXXX XXXX XXXX ( XXXX ). Shortly after the release of the loan to XXXX, I received a notice from Bank of America Escrow Dept. and XXXX separately, saying that we had an escrow shortage of {$20000.00}. I thought for sure this had to be an error since Bank of America no longer serviced the loan and we had received the modification with all past due balances and escrow delinquencies into the the back end of the loan. A few months later, I received our annual property tax statement showing the taxes had not been paid. I contacted XXXX to ask why taxes were not paid since the loan modification includes an escrow impound account. They looked into it and then notified me that the taxes would be paid immediately. At that time, I also questioned the escrow shortage that was still showing on my account. I was told to write a dispute and send into the XXXX resolution dept., which I did. The response was that Bank of America, the previous servicer, did not capitalize the total amount of delinquent taxes. So when the prior servicer paid the taxes after the modification was processed, this created a negative escrow balance. I still dont understand how this can be the case. I contacted the county tax assessor which told me the taxes were all paid to date and a refund was coming to me. I responded to XXXX with another dispute still requesting resolution for the escrow shortage with proof from tax assessor that a refund had been issued and all taxes paid. I requested refund be applied to my account. XXXX replied with the same information that Bank of America transferred the loan with an escrow shortage. A few weeks later, I received an audit from XXXX stating that my mortgage payment would increase by about {$750.00} per month for 36 months to account for the erroneous escrow shortage. A few after that, XXXX service released the loan to XXXX as of XXXX XXXX, XXXX. I have tried to contact Bank of America to get any sort of resolution and ca n't speak with anyone. I havent been able to get resolution with XXXX. I am at a loss as to where to proceed. I CAN NOT afford any increase in my mortgage payment. I hope and trust that Consumer Financial Protection Bureau will look into this serious matter and assist in a fair resolution.
Consumer complaint received 2016-02-02
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CURO Intermediate Holdings (CA)

Looking to fix my credit, request a validation of the account lender sold the account to other agency and keep reporting to my credit making damage to my credit. 
I am looking to purchase a home and they collection agencies keep placing back on my credit after the request is being review and removed from my credit. 
know, I have harassment charges with legal notice on a e mail I never provided. 

I never provided my personal e-mail to be shared with any agencies. 

Call at my house, cell phone and late calls pass XXXX XXXX
Consumer complaint received 2016-10-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (NV)

Once my XXXX was confirmed on XXXX 2009, my lender failed to send me monthly statements with the new amount. It took many letters and calls and over 6 months before I received my first incorrect statement. 
According to the BK court, XXXX XXXX XXXX, modified the existing loan to be {$790.00} and the Debtor will pay the taxes for the property. 
The Debtor paid the taxes for the first year, but XXXX ( the previous bank ) still charged the Debtor for the taxes. 
Since then the banks never allowed the Debtor to pay the taxes and the new lender informed me that they have no records previous to them taking over the loan. 
The new lender is currently Caliber home loans and they told me that I owe them {$13000.00} in back taxes.
Consumer complaint received 2020-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NJ)

In XX/XX/2019, I had reported to Comenity bank that I had not used my credit card ( ending in XXXX XXXX in over two months, and I was seeing a fraudulent transaction of {$18.00} on my account. I had asked the representative to take off the charge and close my account. I was told that I will be sent some paperwork which I have not received till date. Comenity bank keeps charging me interest and fees on this {$18.00} amount and I have informed them that I will not be paying for any fraudulent charges.
Consumer complaint received 2016-04-11
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (CA)

I recently had my XXXX cars, leased through Ally Financial, come to term. With each lease that ended, I experienced problems. On my first lease return, I will not say there was fraud but, there is definitely a policy of collusion and steering by the bank. I was told my buy-out/payoff of the existing lease was $ XXXX. In this car there was a little equity. When I tried to buy a new car from a non-Ally affiliated company, we were told the buy-off amount was $ XXXX more than the original agreed residual amount. After discussing this with Ally, I took my vehicle to an Ally affiliated dealer and the buy-off was only $ XXXX more than my residual. I truly have a major issue with Ally marking up a car where they agreed to take a predetermined amount just because they can but, I have an even larger concern about the legality of charging different companies large varying amounts to encourage business to go back to their partners. It halts competition and injures consumers and consumers choice. 

On my second lease return, the car had little to no equity. To make the right decision for myself, my family and Ally, I asked to my car to be appraised before I returned it to the dealer. I wanted to know how much Ally would assess me for any wear and tear and damages upon return of the vehicle. This information was to allow me to make the best financial decision for myself as a consumer. If I was to owe a lot of money due to the low equitable position, I may have decided to keep the car. If there was little to no assessed damages, I would considered returning the vehicle and buying a new car. After hours on the phone with no result, I was given only XXXX options, buy the car from Ally at my residual or return it to the dealer and have any assessed damaged levied upon me days after the car return with no ability to discuss or negotiate the cost. I was left with no choice by Ally again. It has to be possible to have the car appraised before you return it but, they did not allow that to happen. These choice-limiting, consumer-injuring tactics ca n't be ok and should be illegal. 

I will definitely avoid Ally Financial ( www.ally.com/auto or XXXX ) in the future. To be clear, other leases with other financial institutions I have had were no problem to end.
Consumer complaint received 2017-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (MA)

On XX/XX/XXXX, I called CitiCard to close out one of two accounts with them. ( Earlier, I had stopped using the card in question and transferred the two " auto-payments '' on the card to another CitiCard I have. ) My request was processed without incident. 

On XX/XX/XXXX, while filing away the last statement I had for the recently closed account, I realized I had {$73.00} in Dividend Dollars associated with this account. I immediately called CitiBank ( XXXX - Dividend Dollars ) to see if they were automatically forwarding the reward money associated with the closed account. 

The agent I spoke with said there were no instructions to send me these funds. Furthermore, CitiCard can no longer forward these funds because the associated account was now closed. 

I objected on the grounds that the agent closing the account never advised me of the associated Dividend Dollars amount. 

Complicating the discussion, was the fact that this account ( as well as the second CitiCard account ) was in my husband 's name. He passed away last year and I have continued to use these cards and pay-in-full my monthly bills. I 'm not clear, but there was some argument that they could not make out the check for Dividend Dollars to a deceased person or to me because I was not the card holder. Curiously, I called to get a check for the Dividend Dollars on the second CitiCard account ( also in my husband 's name ) with no problem!
Consumer complaint received 2016-07-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: California Business Bureau, Inc. (CA)

XXXX collections from California Business Bureau are on my credit reports. The hospital made billing errors with insurance co and should not have reported these. They corrected the problem, sent me an email explaining they had contacted collection agency to remove. I also got a letter from the collection agency apologizing and promising to remove negative info. Letter dated XXXX/XXXX/2016. This has not been done, All XXXX credit bureaus told me they have not been contacted by collection agency. This is a significant error on my report and has caused me other credit problems, lowering of credit limits, credit denial. All I want is this fixed by removing these. There are collections that are also incorrrect. Can you give me attorney information that I may contact here in XXXX XXXX to help me with these. It is very tiring and time consuming and I am ready to hire a professional to handle this for me. When I called the collection agency I was handled very rudely by some female who may or may not have been nothing more than a secretary. It was apparent she had no desire to help or even cared that I was concerned about correcting this issue.
Consumer complaint received 2015-09-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I ca n't get my report it asks questions that I do n't know the answer to? I should know where I 've had a loan! right? I already had someone get electric in my name.I had to do police report and all kinds of headaches. I went without power for 3weeks from this deal and even had to deal with social services trying to charge me for neglect of my children. I ca n't get a cell phone, a used car, a credit card, not a thing please help me I do n't know what to do.I ca n't even get my report to dispute. I 'm XXXXyears old have XXXXkids and I 've worked my XXXX off for everything I have.What should I do?
Consumer complaint received 2016-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

Transunion would not provide me with a dispute number. I also tried to dispute it with XXXX and XXXX but they both put a wall up as well. I suspect they are in collusion with XXXX XXXX to keep it on my record. Sorry, but I will not be a tax write off for these large companies. XXXX XXXX is purposefully keeping a closed account on my credit with the aid of all three credit bureaus past the seven years which is in direct violation of what the FCRA says and other federal laws stipulate regarding accounts. I only know about their credit reporting fraud schemes because I used a website called XXXX XXXX to check my credit.
Consumer complaint received 2016-07-25
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CURO Intermediate Holdings (AZ)

In XXXX XXXX I received a court summons from a lawyer for Speedy Cash for a Pay Day loan I owed on. I received this notice through my employer at the time and was being garnished. I was not warned and was given the notice after the 10 day time line to dispute. the loan was {$500.00}. With legal costs, fees, and collection I was ordered to pay {$880.00}. As of my last check with my company, because I was laid off, they received a total from me which a balance ended in a balance of {$240.00}. I was not aware of that at the time. I was under the impression I was paid off. From XXXX XXXX to the start of XXXX XXXX, I was n't aware the collector was incurring legal fees and interest. I was notified by my current employer at the beginning of XXXX XXXX with a court summons, that I was to be garnished immediately and now owe {$630.00} and they could still tack on interest which may never pay off this debt. The collector filed back in XXXX XXXX. I was never served or notified about this until my employer did. This collector waited 7 years before even attempting to collect from me again, gouged me with interest and fees in the process and waited 9 years and sued to garnish. I understand I am responsible for a debt but, I also understand a company should not take advantage of its consumer. I am a single mother with a very low paying job to make ends meet. I was willing to make arrangements when I spoke to the company in XXXX XXXX. They refused a settlement and I did not agree with their collection practice. They also deny I ever contacted them.
Consumer complaint received 2016-11-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Submitted dispute of erroneous payment history on my mortgage account to TransUnion on XXXX/XXXX/2016, XXXX/XXXX/2016 & XXXX/XXXX/2016 with validation documention. Contacted my mortgage creditor, who in turn agree that the information for a deferred period where they are barred from reporting payment status because mortgage is under a government agency for a 9 month term. Mortgage creditor has contacted TransUnion in XXXX, XXXX & XXXX with request that the information reported is incorrect and to remove. TransUnion has failed to correct the information for six ( 6 ) months. I contacted TransUnion on XXXX/XXXX/2016 and was told my case is being handled by the Special Handling Dept. spoke with rep. & was told case being handling by Special Handling Dept. Supervisor, spoke with Supervisor and was told my case was being handled by Priority Dept. I was transferred to the Priority Dept. left a message and have not received a call back. I received my credit report from TransUnion dated XXXX/XXXX/2016 and the incorrect information is unchanged and there is not response to my dispute. Contact my mortgage creditor on XXXX/XXXX/2016 and was assured that they would honor my request to contact TransUnion " again '' and for me to give them a call back within 24 hours. 
The erroneous information was reported to all XXXX XXXX XXXX credit reporting agencies of which XXXX XXXX XXXX have duly made the corrections and removed the damaging reporting, TransUnion has not. I am attempt to obtain a auto loan and have been denied based on the incorrect reporting by TransUnion with their refusal to correct.
Consumer complaint received 2015-11-09
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (NY)

I booked a XXXX vacation for my family to celebrate my daughter 's XXXX birthday. My wife and I spend several hours on the phone with XXXX travel staff asking questions on the various resorts. We requested an all inclusive resort with beach front but were sold a resort that does not have a beach. This resort was rated XXXX stars during the peak season but is down to just XXXX stars. This sale was fraudulent and totally misrepresented. I attempted to contact the CEO at XXXX but my letter was rejected. AMEX is just closing this case and walking away at this point. As my credit card company AMEX should be looking out for me and supporting my claims in this case. I request your investigation, review and oversight of this dispute as I am being given a run-a-round.
Consumer complaint received 2020-05-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

This collection company has recently placed a collection on my credit report. They sent me an itemized list of my minor childs medical procedures from 6 1/2 years ago stating that money was owed on a medical debt. The letter did not include a HIPPA release form nor was authorization given to share my childs medical records. This is a clear violation of HIPPA laws because they did not produce a HIPAA release form so how did they receive my minor childs health records??? My HIPAA rights were violated and I demand the deletion of this debt immediately or I will take legal action.
Consumer complaint received 2016-05-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I opened a checking and savings account in XXXX XXXX with a promotion to receive {$300.00} for qualifying actions. I fulfilled these actions and the bonus was to be awarded within 90 days of qualifying. On XXXX XXXX, XXXX I contacted Bank of America and spoke with XXXX XXXX XXXX to inquire as to the status of the promotion and was advised that I would receive the incentive within 10-14 days. When I did not receive it I followed up on another 2 occasions within the next month or so. I was told that it would be escalated and should post within a week from those conversations. On XXXX XXXX, XXXX I was notified on my 4th call that it turned out that I did not qualify. I requested from XXXX ( name of manager I spoke with ) that it be escalated again to be reviewed since I was actually notified by XXXX separate representatives previously that I had qualified. I was told I would hear back within 30 days. I never heard back. On many of these calls, I waited for a supervisor to be brought on the line, and was also promised a call back from either the original representative or the supervisor him or herself within an arranged time frame. No one ever called. Furthermore, messages sent internally ( on follow up calls ) from XXXX representative to the original representative I spoke with remained unanswered and no follow up was ever done contrary to the promises provided. I received a notice via postal mail dated XXXX XXXX, XXXX that it was once again escalated and I would be notified in writing. I called again on XXXX XXXX, XXXX ( following 30 days of no response ) and in this call the supervisor I spoke with acknowledged the ongoing issue and guaranteed that I would receive the bonus and that it was just a matter of time. On XXXX XXXX, XXXX after not hearing back at all, I called once again only to be told that my escalation request was denied again for the same reasons that it was originally denied for : I did not qualify. However, the representative credited my account for {$50.00} for the promises that were unkept and my time that was wasted. I informed the representative that after they delivered what was promised to me by them, as an additional compensation, I would gladly accept those {$50.00}. I was strung along and promised things that could not or would not be delivered. My time was wasted. I was lied to or misinformed on multiple occasions. I contacted the bank at least 6 times over 4 months and yet this issue remains unresolved to my satisfaction.
Consumer complaint received 2016-09-28
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (AL)

I sent request for information, about escrow received in the amount of {$890.00} to Caliber Home Loan, and their lawyer XXXX and XXXX. I did not receive an acknowledgment of receipt as required by RESPA, furthermore they failed to respond within the required 30 days. I am attaching in .pdf format, A ) original request, B ) notice of 5 day RESPA violation, asking for explanation, C ) notice of 30 day failure to respond, in which, I ask for information requested be sent, without delay. 

I know for a fact Caliber received notice 's because they uploaded the original request in documentation as part of a response in complaint # XXXX to the CFPB, on XXXX/XXXX/16. 

Caliber Home Loans, continued arrogance, and blatant violation of rules, set forth by agencies of the US government are disturbing, troublesome, they should IMMEDIATELY, brought to the attention of regulators, and appropriate action should be taken, at once. 

.pdf # XXXX # XXXX # XXXX
Consumer complaint received 2016-08-10
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: GLA Collection Company, Inc. (KY)

I reviewed my credit report and see where they have listed an item on it. I have requested a verification of the debit and asked them to provide proof. By sending me a copy of a document I have signed. They have not sent me any proof that I owe this debit. They have not sent me a copy of my signature as federal law mandates. If they do n't remove this from my credit report, I plan on suing them for damages.
Consumer complaint received 2015-09-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo has refused to resolve large financial discrepancies in my mortgage account, they 've refused to process a legitimate HAMP request, altered the loan documents after I signed and sent them in, and after I became insistent that they resolve the issues they put the condo into Foreclosure status without notifying me and sold it at auction despite knowing I had not been notified ( as verified by USPS records ).