davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Upon receipt of a timely requested appeal, Bank of America GRANTED a Making Homes Affordable Home Affordable Modification Program ( MHA HAMP ) as evidenced by the Appeal Report if XXXX XXXX, XXXX issued by the Bank of America Appeals Department. The home loan account and borrower were directed to a HAMP Trial Payment Plan ( TPP ). Obviously, this never happened. What did happen is as detailed below. 
The then assigned single point of contact/customer relations manager ( SPOC/CRM ) XXXX XXXX issued two MHA HAMP DENIAL letters. The first is dated XXXX XXXX, XXXX, two days before the date the Appeals Department issued their determination, and the other dated XXXX XXXX, XXXX, XXXX days after the Appeals Department issued their determination. These documents are not modification denials on appeal issued by the Appeal Department. The creation of modification or loss mitigation approval and denial letters are not under the purview, duties and responsibilities of the SPOC/CRM. The job of the SPOC is to provide the information collected from the various departments who originate, establish, control, maintain and determine data, documents and decisions related to the modification and loss mitigation processes. 
Bank of America has been paying the XXXX ( XXXX ) insurance for this property and account since XXXX. This year, Bank of America decided not to pay the XXXX portion of the property insurance and have refused to pay it after I made several written requests for the Bank to do so immediately. An authorization to pay the XXXX insurance out of the escrow account associated with this home loan account has been provided in XXXX, prior to the first payment, but after the last mortgage payment I made in XXXX XXXX. By paying the property taxes and all insurances, Bank of America has firmly established a clear and long-standing practice to do so and to continue to do so without interruption and timely. 
Furthermore ( and for informational purposes only ), I was notified the account is in active foreclosure. Since no MHA HAMP has been formalized or finalized after the date the MHA HAMP was granted on appeal, the modification process has not been completed and, therefore, pending. Duel Tracking is prohibited. Refer to Bank of America document of XXXX XXXX, XXXX that Bank of America provided to me twice. 
All documents provided with this complaint have been downloaded from the Bank of America Modification Status Online Portal from the documents tab. The original document name/number has not been changed.
Consumer complaint received 2016-11-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MI)

My mortgage provider Ditech decided without out my permission or reason to add earthquake insurance to my escrow. I live in Michigan where earthquake insurance is not required and I do n't find it to be necessary. I sent an e-mail to Ditech asking why this insurance was added to my escrow. I received an auto reply and then the next day I received a second e-mail stating that my request was being reviewed for appropriate processing. That was two days ago and they have not bothered to follow up with an answer. I am sure that it should not take that long to provide me with an answer if they were planning on telling me the truth. 

I do plan on contacting a lawyer to help me review and explain the escrow to me. I do know that the earthquake insurance should not have been added to my escrow. I prefer to communicate via e-mail because you ca n't deny the conversation. I do not want to discuss this matter over the phone with Ditech being that I do not have a way to record the conversation. Any and everything can be denied being said when you have no hard proof to back you up.
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit inquiries were all removed from my credit report which caused a small impact to my credit score positively when they were added back for whatever reason it caused a huge dip in my score and this was done without prior written notification per FRCA section 611 all items must be removed. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Credit XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-12
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America refuse providing me a information about my mortgage, this is continuation of case # XXXX, I run out space, I have XXXX more Question. 
XXXX. Before the transfer, what was the balance of ending non-interest bearing principle $ XXXX
Consumer complaint received 2016-11-04
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: REGIONS FINANCIAL CORPORATION ()

it is impossible to contact my credit card. They provided an international phone number after I placed a claim here : it 's a fact, but that automatic voice service requires a social security number/ tax ID number/ telephone pin number. As a XXXX non resident XXXX, I do n't have a Social Security nr. I was never ever informed by the bank any telephone pin, I just have the regular pin that I use. I 'm trying to buy a wheel for my car, and it 's just impossible because I ca n't access Regions Bank Visa and they have n't authorized the purchase.
Consumer complaint received 2016-11-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (FL)

National Collegiate Student Loan Trust re-aged the XXXX accounts so the XXXX year period will began in XX/XX/XXXX not XX/XX/XXXX. This is a common trick by debt collectors in order to add more time to avoid statue of limitations laws. In addition, all three National Collegiate Student Trust accounts were dismissed in XXXX. I disputed the National Collegiate Trust or XXXX Services accounts on all XXXX major credit bureaus and the investigation results states, '' still remain ''.
Consumer complaint received 2016-08-10
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

This is a continuance of a complaint submitted through CFPB 2 months ago, Case number : XXXX. I called XXXX XXXX the Omsbudsman assigned to me by OCWEN Financial Services in response to the CFPB complaint I have submitted, in order to get a copy of all transactions that occurred during the time my XXXX yr old mother has had her loan with them for the purposes of reviewing those documents with our lawyer. It has been 2 months and I still have not received those documents. I spoke with XXXX different advisors at her office since then. We need those documents to understand the conditions by which they have set forth for my mom 's mortgage terms. To this date, they still have not supplied me with loan documents which I have the right to receive. Originally, I was sent some documents from them that contained a fine print, unusually tiny font, that no human being would be able to decipher. I requested the documents to be sent in an acceptable font size to be legible and read.
Consumer complaint received 2016-11-04
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Merchants Acceptance Corp (OR)

My husband and I filed Chapter XXXX Bankruptcy on XXXX/XXXX/16 which was discharged XXXX/XXXX/16. Merchants Acceptance was listed as a creditor, did not show to the XXXX hearing, did not contact our attorney during the bankruptcy stay, and after discharge called me and left a recorded voicemail stating that they would only update the credit report once we paid back the loan, or gave them their vacuum back. The company is acting illegally by, violating the bankruptcy stay, bankruptcy Discharge Injunction, and the FCRA by not updating our credit report. The company is in clear violations of the law. The account was discharged in bankruptcy in which I am no longer liable to repay the debt, yet the company fails to CORRECTLY report the account on our credit. As of XXXX/XXXX/16 the account shows delinquent, has a balance, and not included in our Chapter XXXX bankruptcy.
Consumer complaint received 2016-10-19
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc. (AL)

I received a letter from ARA, Inc in the mail on XXXX XXXX which was dated XXXX XXXX. I called them on today XXXX XXXX in which I asked who was the original creditor because the original creditor listed was XXXX Bank in which I never had an account with. So, the gentleman start naming other creditors names such as XXXX and XXXX. I informed that I never had an account with any of those and for him to send me a copy of the original creditor with debt owed. Then he states the orginial debt was active from XXXX and became active again in XX/XX/XXXX.He then proceeds that was an error listed on the letter in which I can not obtain the orginial creditor information and that we are going to sue you and garnish your wages. I also informed him that the last name listed for myself has never been used since XX/XX/XXXX as a child. So, he proceeds to say, we are going to sue, have a good day, and hung up the phone abruptly. Therefore, I dispute the validity of this debt.
Consumer complaint received 2016-04-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC (IN)

I went to XXXX in the year of XXXX. XXXX was scamming and stealing money, and also charging students for meals, transportation, and room and board. When I was staying in my own home, had my own car, and brought my own food to school. I have paperwork to prove so. The school made me take out loans called XXXX. All of the XXXX students in my class XXXX loans were forgiven, however XXXX sold my loans to a company called ( UAS ) University Accounting Service , LLC . and I have been going round and round with these people for 1 year and a half on these loans, and they wo n't forgive my loans like they did the other XXXX students from my class. I have asked them why, one time they tell me because they had different loans, I know better than that because the nurses have showed me their paperwork, and we had the same loans, same program, and was in classes at the same time.
Consumer complaint received 2016-04-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NE)

Ocwen purchased our mortgage in XXXX XXXX. We made our payments through XXXX XXXX, but our XXXX statement raised the payment from $ XXXX to $ XXXX, supposedly based on escrow. We contacted the company and were told the only way to fix the escrow was to apply for a loan modification, which we did. From there, things went from bad to worse. After months of submitting paperwork and proving our ability to pay and proving the actual escrow owed and legally due, Ocwen denied the modification, declared us in default and served us with a foreclosure notice in XXXX XXXX. We filed a Chapter XXXX bankruptcy to stop the foreclosure. As our home was also our business ( a traditional bed and breakfast ), these actions affected not only our financial status ( legal fees, etc. ) but also our ability to continue to operate our business. We wound up selling the home in XXXX XXXX. Our original loan amount of {$470000.00} was repaid {$650000.00} by the time Ocwen added fees, penalties and other charges to the final amount. We attempted, through our lawyer, to get a lowered payoff and to dismiss some of the fees and charges, but Ocwen 's lawyer refused to cooperate. We have suffered tens of thousands of dollars in damages, all because Ocwen and its representatives lied to us, manipulated us and cheated us on a mortgage for which we had never missed a payment since XXXX XXXX. The XXXX lawyers we consulted all told us our only option was to file a Chapter XXXX, and it appears that may have been a mistake. But we contacted the Nebraska XXXX, the Nebraska XXXX, the XXXX XXXX and even the XXXX to try to find assistance in resolving this without selling our business and our home. The original escrow discrepancy was never resolved, even with a court order for Ocwen to produce the paperwork proving its why the escrow jumped more than {$2000.00} per month. Such paperwork, to our knowledge, was never submitted to the court. We have a detailed chronology of our interactions with Ocwen, along with mountains of paperwork requested and submitted. When Ocwen purchased our {$470000.00} mortgage, our home appraised at {$820000.00}, and this was clearly nothing more than a bold-faced attempt to steal our house.
Consumer complaint received 2016-11-03
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (AZ)

On XXXX XXXX, 2016 I went into the Wells Fargo Branch on XXXX XXXX and XXXX to purchase a money order. I was given a Cashier 's check instead and was advised by the teller because the amount a money order was not available. I purchased a Cashier 's check in the amount {$1200.00} made out to XXXX XXXX. About an hour and a half later I went back inside the branch to have the check reissued due to someone snatching the check out of my hand. I spoke to XXXX XXXX Personal Banker. XXXX placed a call to place a stop payment on the check and reissue the check. XXXX was on the phone with a representative for about 30 mins. XXXX begin filling out paperwork for me to sign for the check to be reissued. XXXX than hung up the phone and advised the stop payment was placed on the check but they could not reissue the check until Monday because the check was purchase today and was not yet in system. I asked XXXX multiple times if he were sure the stop payment was placed on the check. XXXX guaranteed also assured me the payment was stopped and Monday I would fill out a notarized paper and check would be reissued. I call the Bank XXXX XXXX, 2016 and was told the check was cashed. I spoke with a rep and asked why the check was cashed after a stop placement was placed on check. The representative advised the check should have been reissued by the branch the same day and she was not sure why they did not reissue the check. She then advised me to go back to the branch because they were the ones who did not reissue the check properly. I called the branch first thing Monday XXXX XXXX spoke to XXXX. XXXX asked me to email him a copy of the top of the check and advised he would check on it. XXXX XXXX I called XXXX again because I did not hear back from him. XXXX advised that this was sent to the Executive office and the call was being pulled where the representative advised the stop payment was placed on the check. XXXX advised to give him a few days to figure out what they could do because the bank messed up and cashed the check. I called XXXX back on XXXX XXXX he advised the Exeutive office stated nothing could be done so he spoke to manager. With my permission my fianc went down the branch after continuos runaround. XXXX advised his boss XXXX XXXX was working on getting the call pulled so she could work on it. My fianc called XXXX XXXX XXXX after still not hearing anything. XXXX XXXX advised my fianc there was nothing the bank could do because the check was cashed. My fianc advised her the check should not have been cashed after being advised by XXXX the payment was stopped. XXXX XXXX stated the bank could provide a letter of explanation explaining how the check was cashed after the stop placement was stopped. My fianc advised XXXX that it was unacceptable as this was the banks error and we wanted to be compensated. I stil have not heard anything back from XXXX or XXXX and it as been three weeks with the bank not taking responsibility for their error.
Consumer complaint received 2016-11-19
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (MN)

I was signed up for the Wells Fargo Identity Theft Protection Plan on XXXX XXXX, 2010 and I do n't ever remember signing up for this service. I am charged {$15.00} a month and it dates back over the past 6 years. I went into a Bank and the woman was rude and would n't help me or let me talk to a banker when I asked and when I called the number the man would not help me figure out how I was signed up for the service.
Consumer complaint received 2016-11-19
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PMAB,LLC (NC)

I have now got a letter from pmab saying I now owe XXXX it was XXXX. I got the rest of XXXX and it does n't total XXXX it says previous debts which from the last letter it was only XXXX. Now this letter added, it looks to me if something is missing. I do not know where the rest is taken from. I do not owe this total amount unless it has been sent all medical to pmab. I am on XXXX and it is a protected income or exemption.
Consumer complaint received 2016-11-19
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (TX)

XX/XX/2016 Macy 's credit card acct opened in store and made purchase of {$43.00} received email XX/XX/XXXX saying statement ready to view ( I had already paid the XXXX on line after setting up online access. could now not login and no email response for lost password, reset request. Called & determined XXXX fraudulent charges made on macy's.com. I told them to close the account, & i had not made any other purchases. they said they would send me a form to fill out. I received a replacement card which I had no knowledge of and a blank form with no info about the fraudulent charges. called again & asked them to send statement with charges. also said if i did n't have online access & ebilling why was n't the charges information sent to begin with. Are the credit issuers required to read a statement to notify & receive approval to issue a replacement card? it was not done, and when I asked that question today was told they have a new system & it could have been a glitch. today I asked the agent to read the dates & amounts over the phone so I filled out their form and will mail it in. This is the worst experience I have ever had with any credit card company.
Consumer complaint received 2016-11-20
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MD)

I purchased several thousand dollars worth of XXXX XXXX gift cards starting from XX/XX/XXXX-XX/XX/2016 and started purchasing them again this week ( XX/XX/XXXX-XX/XX/XXXX ). On XX/XX/XXXX, I noticed that my gift cards have all been closed. I am the card holder / authorized purchaser on all of the gift cards. XXXX XXXX closed ALL of my gift cards dating back all the way since XX/XX/XXXX-XX/XX/2016 this year without contacting me prior to the closures nor are they issuing refunds. I have called XXXX XXXX XXXX times in the past week and they have not given me any refunds or resolution to the issue. I am now out thousands of dollars because they decided to unlawfully cancel thousands of dollars in gift cards that are n't supposed to expire and are transferable by law and no refunds are in sight. I have called Citibank ( the card issuer ) used in most of these transactions three times now and they have not been of assistance in helping me recover the funds from XXXX XXXX - as I 've essentially lost thousands for nothing. The first call to Citibank, the representative said she would help me dispute all of them - that never happened. The second call representative told me they could n't be disputed since they 're gift cards. The third representative told me she would dispute all of them and issue me a new card and that never happened either. This week 's purchases ( before I noticed ) - I never even received the gift cards I paid for and after this week I noticed XXXX XXXX literally cancelled all of my gift card purchases and never refunded any payment. Both parties do not want to help me and I am out thousands of dollars paying for literally nothing. XXXX XXXX quite literally stole from me.
Consumer complaint received 2016-04-15
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (DC)

I am an affected consumer who received an auto loan with an extremely high annual interest rate of 19.5 % from American Honda Finance Corporation in XXXX XXXX. I have reason to believe that this interest rate was assigned to me solely on the basis of my race ( XXXX ) and income level ( less than XXXX annual ). 

During my initial consultation with AHFC, I disclosed to the AHFC administrator my financial and living status which would hinder me from affording a large down payment for a vehicle aside from the value of my trade in. Because this would be my first time financing a vehicle and because I desperately needed reliable transportation to and from work and school, I foolishly informed the AHFC administrator that I was unaware of my options and next steps. The AHFC administrator then pressured me, quite aggressively, into trading in my old vehicle and accepting a 19.5 % annual interest rate and a $ XXXX monthly payment on the same day as my initial consultation. I even asked for a day or two to consider this offer before signing but the AHFC administrator assured me that he was " doing me a favor '' and that this offer would n't be available to me at a later date. 

As a result of such aggressive, inconsiderate, and discriminatory practices by AHFC, I have faced a considerable amount of financial hardships following this loan agreement including, but not limited to, falling behind 30-60 days on payments, getting denied credit due to negative marks from AHFC on my credit report, and being evicted from my primary residence only days after having my vehicle repossessed by AHFC. The vehicle issued by the loan in question was repossessed from my residence in XXXX XXXX by a third party debt collection agency. I received no notice from AHFC prior to or after the repossession. AHFC continues to submit negative remarks to my credit reports monthly in XXXX even though I no longer have the vehicle and have not received any notifications or information from AHFC since prior to the repossession.