davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (UT)

We purchased a car from a dealership. We then ended up closing on our home and then because of some landlord issues moved twice in the first month after we sold our home. We did n't receive notification of who to make the car payment to until after it was 30 days late for the XX/XX/XXXX payment. We made the extra payment and have been on-time since. We were told by them ( lied to ) that there would be no negative credit reporting on my wife. We are now trying to purchase a home again and there is a 30 day late. I called every number in XXXX Texas that was in XXXX.com and none reach a person. All fake numbers. When you call customer service you get some foreign country, wo n't transfer you to someone in the USA and I held for almost a half hour waiting for a " supervisor '' to see if I could resolve the issue. Based in XXXX, I am not sure they should be doing business here in the USA if you ca n't reach anyone.
Consumer complaint received 2015-07-07
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (WY)

This debt was already reported and included in a XXXX (? ) lawsuit by this company when it was using a different name. The debt was various medical bills and was put on my credit report in XXXX XXXX (? ) As such they are reporting the debt twice.
Consumer complaint received 2022-02-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Kentucky Housing Corporation (KY)

Evidence of insurance coverage placed letter sent in mail 3 times called several times unable to get ahold of anyone finally got ahold of someone after 2nd letter in which the representative stated that home insurance coverage lapsed because they never received a bill from the company. I had no idea this had happened until months passed. 

Formal insurance was obtained on my behalf as soon as I learned of the situation. Speaking with the representative she informed me to fax over the declaration page showing that homeowners insurance was in place and to put a note with it asking them to pay the premium from my escrow, which I did the same day. 

The representative informed me that this would be paid out and any monies remaining in the escrow would be sent to me in which I would have to mail directly back to the escrow department. 

Although everything was taken care of on my behalf I have not received any answers or a check. 

Fast forward to the beginning of the year XX/XX/2022. I receive notice that my mortgage has now increased over {$350.00}. I have spoke with one person who basically stated that we were basically awaiting for the mortgage to be re- analyzed. I have yet to get an direct answer about the situation at hand after leaving several voicemails and being kept on hold hours at a time. 

In the letter stating that my insurance has increased it also stated that my escrow was deficit, but at the same time the force placed insurance has already been refunded.
Consumer complaint received 2021-04-29
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: Convergent Resources, Inc. (TX)

I am sending this letter to you in response to a notice I received from you on XX/XX/2021. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX XXXX b ) that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for XXXX made pursuant to the above-named XXXX and XXXX. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.
Consumer complaint received 2016-09-06
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (KY)

Specialized Loan Servicing Group purchased our 2nd mortgage effective XXXX/XXXX/XXXX. SLS changed the original loan contract from a " INTEREST ONLY OPTION '' to a " INTEREST AND PRINCIPLE '' product without our consent effective XXXX/XXXX/XXXX which we highly disagreed with. Although we continued to make our normal and usual monthly electronic payments, SLS has contended we were in arrears of {$1400.00} as of XXXX/XXXX/XXXX although they never identified what thy wanted the payment amount change to without our consent. SLS has further refused to accept our electronic payments in the original amounts for the months of XXXX XXXX XXXX of this year.
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I am currently sharing a USAA checking account ( member # XXXX ) with my ex fianc and he was got involved in a scam involving fake check deposits, which left my account with a large negative balance. All funds left by XXXX and debit card transaction. My fraud claim was denied, which is in violation of Regulation E, specifically guidance related to scams from XX/XX/2021.
Consumer complaint received 2018-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MA)

Notified company that statement was NOT received. Disputed late and extra interest charges applied. Statement date was XX/XX/2015. Company responded by filing a complaint on my credit reports.
Consumer complaint received 2016-11-16
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (CA)

Chase willfully misrepresented the amount of alleged debt, then sold to debt collector, writing off a highly inflated amount, while continuing to report inaccurate information and updating to appear recent. This account was disputed from the start, as fraudulent.To date, this account is being illegally re-aged and inaccurately reported. Although I 'd disputed the legitimacy of this charged-off and sold account ( XX/XX/XXXX-XX/XX/XXXX ), I paid the account in full to the purchaser of the debt years ago. I 'd disputed the Chase Card reporting XX/XX/XXXX, and they began to knowingly " update '' the account to the CRA 's with an illegally re-aged status, making the account appear far more recent, damaging our credit further. In XX/XX/XXXX, Chase sold a fraudulent debt to a debt collector, who obtained a judgement without even validating the alleged debt. I have no documentation that proves that I even incurred the debt using an account that I had closed with a XXXX balance, and was no longer using. At the time of the threatened judgement, we were in the midst of a refinance, and I XXXX and agreed to a payment plan, paying at least three times the original alleged amount owed ( {$2000.00} ), because Chase took the past due amount from an amount initially reported to XXXX as {$600.00}, and " adjusted '' to their fraudulently claimed charge-off amount of {$1700.00}. Interestingly, now that I have the time to investigate, I 've discovered that I am not alone in being victimized by these violations of debt collection practice by Chase ... XXXX
Consumer complaint received 2021-10-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (FL)

Hi, In XX/XX/2021, I opened a checking account with PNC bank in XXXX XXXX, FL. The address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

I closed the account a few days later. 

Today, I received a bank statement from the PNC savings account. I never opened the PNC savings account. The person who opened the account without my knowledge was the banker in XXXX XXXX, FL. He is also the branch manager.

I recall refusing to open a savings account, but the manager opened one anyway. He did not respect my decision. He does not think highly of women but bullies women into opening accounts that they do not need. The manager is a classic example of a bully and harasser. He is a bad example of customer service and a salesperson with a harassing and pushy attitude. He should not have opened a savings account against my will. 

I want the bank to close the savings account which PNC opened illegally. 

Thank you. 

XXXX XXXX
Consumer complaint received 2016-05-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I have repeatedly disputed issues with my credit bureau report and have had a Fraud Alert placed on my credit as well, i.e inquiries, credit accounts, broken lease, name changes, address changes, accounts that were deleted and placed back on my credit, as well as the statue of limitations exceeded on several accounts. This is ruining my life. I have submitted numerous disputes to all XXXX agencies and my credit now is ruined. I am aware of things that should have been on my credit, i.e one property that I moved out of in my last month due to my health, but how could I have lived there and lived at another residence as well. I have submitted information to the credit reporting agencies numerous times. I am unsure what to do at this point. I have been disputing this for some time.
Consumer complaint received 2015-06-09
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I refinance my house in approximately XXXX 2008 and when I financed itCountrywide Bank Loans put me into an FHA loan which I 'm sure I did not need. At the time I was making at least {$75000.00} a year, I had a truck payment approximately {$400.00} a month and a mortgage payment. Also my credit score was between XXXX and XXXX so my credit score was not bad. I had some arguments with them regarding the FHA loan, but I was unable to get anywhere with. I 've done a lot of research on the Internet and I found that there is a settlement, but I have no idea where to go to claim this money.
Consumer complaint received 2015-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Bank of America is my investor for my XXXX mortgage and XXXX XXXX is my servicer. No one seems to be able to tell me why I did n't qualify for the National Mortgage Settlement to lower my principal or get refinanced for a lower interest for my XXXX mortgage that is owned by Bank of America. I would like to be able to refinance for today 's low rates per the settlement agreement. I keep getting the run around and was actually told by a Bank of America employee that Bank of America does not own any loans and that I must be mistaken.
Consumer complaint received 2020-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I applied for my Chase Credit Card back in early XXXX and was approved and it arrived one week later. My intention for my Marriot  XXXX credit card was to assure I built a relationship with Chase Bank and to assure that I accrue points for Marriot  due to my high demand in travel for my job. On XX/XX/2020 I got an alert on my XXXX XXXX that my chase credit card was removed, however I did not pay any attention to this because glitches could happen. During this time I was also in the process of helping families at my local grocery store shop for food due to the covid-19 hard financial strains. I arrive to the cash register to be told my credit card was declined and I didnt have another form of payment available at the moment. I could not believe the embarrassment. I contacted Chase and was told by an extremely rude representative that my account was closed and the department that I should speak with has left for the day, then I was hung up on. I could not believe that Chase would be so greedy and unprofessional that they closed my account without any signs of fraud or anything! After a restless night, I immediately waited until Chase Bank opened east coast time to get in contact with the department that closed my account. I was treated so horribly and treated as if I should have never received my credit card that I worked so hard to obtain. I make well over 6 figures and I am building my credit to be impeccable. Ive never shown signs of hardship and Ive never wavered or defaulted on any agreement that Ive ever had. Chase Bank told me that I was not qualified to receive the account that I was qualified for. The reasonings are because all of my account arent reporting to the XXXX  report and Ive decided to apply elsewhere because its been a long time since Ive applied for credit cards. Unfortunately, I cant tell banks to report to all three agencies as I wish. I cant believe that Chase Bank is so greedy and deceitful that my account would be closed without any notice or even a limit decrease, but CLOSED! I am now stuck with a balance that will report to the credit agencies and show that Ive utilized a large portion. And this was not my goal. I wanted to obtain a balance and before the reporting date to pay that back in full. To at least show Chase Bank that I can make that kind of payment and build a relationship. I make double of what the credit limit is a month, so I am fully capable of handling the account. Nevertheless, my ultimate goal is to reopen my account. I dont want to believe that Chase Bank would just shut down my account because it pose a risk that is not there. I dont want to believe that during such a critical time in our country that Chase Bank would allow this to affect a citizen trying to help rebuild the communities and hope in humanity.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XX/XX/year> I remitted notice to the following companies sharing information with consumer reporting agencies in collusion to furnishing unlawful consumer reports in clear violation of 15 USC 1681a the following message : Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and nonverbal per 15 USC 6802. Promptly remove all transactions and experiences between me and your institution from all reports delivered to third parties. Effective immediately and indefinitely.
Consumer complaint received 2022-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Since about XXXX I have been trying to resolve escrow issue. My insurance information was sent out in a timely matter, LOANCARE says they did not receive and purchased insurance on my behalf, Me, my carrier and my agent all sent insurance copies. They had to get copies when loan was sold. I have emails Where we mailed a second set to them XX/XX/XXXX. They did not do a new escrow analysis. It was not unit my XXXX payment did they adjust escrow even though I have called several time since XXXX. In XXXX I was told when account was current, previous person said they would fix escrow, they would send extra escrow out. In XXXX I called and was told I had to request it, which we did. Today I am on the phone and they are telling me they have to do an additional escrow analysis and then request me to be reimburse. In XXXX, XXXX and XXXX they did not tell me the extra money I sent in that they put directly to curtailment could of offset this mess, XXXX person tells me it is to late. Every time I call I get a new story will some reason they wont send me back my escrow excess. Everyone tells me they will escalate everything and no one calls back or does their job. People should not be treated like this. XXXX XXXXLoan Care are awful. 
XXXX says she will get check cut and sent out overnight ... ... ... She can not answer why my XX/XX/XXXX email was ignored.
Consumer complaint received 2016-03-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (CA)

I received a letter a week ago from a debt collecting company ( XXXX XXXX XXXX ) declaring a debt verification for the amount of {$11000.00} that I have to respond within 30 days from the date of the letter before they decide to make it a valid debt. The date of the letter was made on XXXX XXXX, XXXX ( 30 days makes it by XXXX XXXX, XXXX ) and it stipulated that the date of the account of the debt was from XXXX XXXX, XXXX. Before and after receiving this letter, I did not receive any calls nor any other letter from this company or companies regarding this matter. I called office number that they provided in the letter and requested to speak with a representative that speaks XXXX because my English is not that great. When I was transferred, the call gets immediately sent to voicemail and it also said that it was full so I am unable to leave a message. I had my son try to speak with them in English but they wanted me to speak with them directly which causes a problem because I have trouble understanding. They did not leave enough time for me to defend or to make a claim. I know this debt is false because recently, I had a credit report done on XXXX XXXX, XXXX and while looking through my past information, I have no information from this company nor from any debt collecting agency that is tied to the account from which they are trying to collect from.
Consumer complaint received 2017-01-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (NY)

My mortgage was with XXXX. I sent so many documents to XXXX. 
For years I sent documents. I had a loan modification with XXXX. My loan was transferred I tried at tell them that I had a plan with XXXX. SLS said they could n't find anything. I had to start over. I have sent many documents to them. SLS even sent me a Summons and Complaint. 
When I learned that my loan was transferred I was confused because XXXX had just approved me for a loan modification. With SLS I had to start over and still sending documents. I do not want to lose my home. 
I paid an attorney to help me over {$5500.00}. ( considered a scam ) he took my money.
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (NY)

I wrote a letter intended to Citibanks Billing Dispute Unit Offices. I used my citibank debit card which is also connected to my XXXX account. I use this card to pay for various beauty services. I scheduled an appointment with the merchant XXXX in hopes of doing my hair. However i was gimmicked out of XXXX which was half of my service and served as my deposit fee for the intended services. I opened a dispute on the following transaction by XXXX on XX/XX/2021 for XXXX XXXX It was closed and has resulted in an overdraft in my account. I will be attaching conversations of the merchant and I. He did not show up to allocated location. He also moved the time around multiple times. I was promised my deposit back as follows in the attachments. I requested the case be reopened. I was advised by a Citibank representative to do so. My account was overdraft as a result of the charge, which I hope will be fixed without any respecting fees. The case ID for this dispute is XXXX. I sent over documentation for the dispute on XXXX XXXX. I have repeatedly called numerous Citibank representatives and Citibank dispute representatives. No one has gotten back to me on the matter. The fraudulent charge is still placed on my account. The inconvenience has placed me in the predicament of paying for a fraudulent service twice.
Consumer complaint received 2018-03-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I've been a client of Bank of America for over 25 years and was an employee there for 13 years. 

Starting this year, BofA started charging my personal checking account $ XXXX as my balances were not over {$10000.00}. They should have been charging $ XXXX. When I went to the branches, two would not process a change as they were too busy while the XXXX number could only change the type of account I had. It seems that the $ XXXX was a 'high interest checking ' account that pays 0.01 %. If my balances were too low to warrant this high interest checking account that a branch employee switched me to once upon a time without my knowledge, the account should have migrated to the appropriate account type for the balances that I was keeping. To make {$25.00} a month on this account, someone would have to keep over {$55000.00} in the account. As such, charging a low balance account for something that they can not use seems very XXXX XXXX of BofA and suggests a move toward enriching themselves at the cost of their clients by moving them to unsuitable products. I don't care about me and the few dollars that I paid unnecessarily - I'm concerned about all of the people who are being taken advantage of.
Consumer complaint received 2015-07-17
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I visited Transunion for a credit report. They required my credit card number to bill me XXXX dollar for the report. Now they say I joined their service and want to bill me XXXX a month. They have already billed my credit card for this service even though I did not order it.
Consumer complaint received 2019-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Three transactions where charged to my Paypal account by XXXX. I contacted XXXX initially and they responded that I need to contact PayPal. I contacted PayPal and disputed these three transactions explaining that I did not have a XXXX account at the time of the transactions and please honor your protection guarantee. PayPal resolved my dispute without throughly researching my case. Had PayPal throughly researched my case they would realized that I had no XXXX ad or promotion. Which would not be possible because I did not have a active XXXX  account at the time.