davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

The loan modification I had expired in XX/XX/XXXX so my mortgage due was XXXX what I had been paying since shortly after my husband passed away XX/XX/XXXX. I could not afford the mortgage and had been negotiating with the bank for over a year. After filing a complaint here in XX/XX/XXXX, I was a contacted by a point person who said he would fast-track a modification. Five months later, I received a 3-month trial payment offer followed by a modification contract. The contract did not include debt forgiveness and stated that if I ever could not repay the loan, I would have to use other assets. As a XXXX widow, I can not afford the house my late husband left me with. I 've received notices that I 'm in severe default, followed by trustee corporation notice of foreclosure proceedings. 
On XXXX XXXX, I came home to find letters taped to my gate that said my house would be auctioned on XXXX XXXX. I have an attorney who contacted the bank on XXXX XXXX. At that time, the person he spoke with said the bank did not have a confirmed date to auction the house, and together filed an application to delay the auction. But yesterday, XXXX XXXX, my lawyer called the bank and the person he spoke with said he had no record of the application, the bank will auction my house on XXXX XXXX, and it 's too late to do anything other than foreclosure. 
I realized I can not stay here with the mortgage - way above the {$720000.00} maximum - that my late husband left me with. I just wish to have some better closure with this without having to file XXXX of documents to prove hardship. I wish to be able to have bank agree to a short sale or deed in lieu of foreclosure and give me up to 2-months to clear out of the house I 've lived in for 28 years.
Consumer complaint received 2015-10-29
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: National Credit Adjusters, LLC (CA)

These people brought a illegal loan usury interest rate account from XXXX XXXX XXXX ... XXXX XXXX does not have a license to provide illegal loans ( Usury interest rates ) in the state of Ca. By the CA. Department of Business Oversight and the federal consumer protection bureau. their phone number is XXXX ... I am XXXX years old and want these people to stop calling me.
Consumer complaint received 2015-04-08
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AZ)

I sell on XXXX, and answered XXXX XXXX, with good commission on sales. They wanted me to sell high endmerchandise like expensive cameras and laptops. The first things I orderedfrom them were turned down by XXXX which should have been enough prooffor me, but I believed their excuse that they system made an error, andtried using paypal with my next order. I felt protected enough by paypalsbuyer protection and my sales person said to send it throughbusiness/services. Well, when it came time to send the money and ship Idid this ( for XXXX ) for XXXX laptops to ship. My salesman got back to meand said paypal put a 21 day hold on the money. He coerced me into sending via XXXX option instead, so he refunded the money to me to send that way ( with no or limited protection ). I was so freaked out that I would have mycustomers wait 21 days before their items shipped that I went ahead andsent him the money this way. It took me XXXX days to get tracking numbers. 
The first tracking number worked, but the other XXXX were invalid. After afew days my first customer received his package, but instead of a XXXX. 
laptop he found a cheap cell phone case. After confronting thesalesperson, he admitted the other XXXX had not been shipped and that '' shipping made a mistake '' with the first order. Ever since he has beenmaking excuses about why he ca n't refund the money. I have recently movedto a new area and XXXX income has been a large part of my income since I amunemployed right now. If I will have to cough up XXXX, I will be livingin the streets, cause I just do n't have the money! The salesman I deltwith is XXXX XXXX, email XXXXXXXXXXXX, andthe pay pal address was XXXXXXXXXXXX. 
Please help me with this. I have email copies and other evidence that mayhelp, please let me know what you need.
Consumer complaint received 2015-09-10
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (NY)

Re : Macy 's credit card issued through " department stores national bank ''. 
Macy 's representative in XXXX, XXXX XXXX ( NY ) prompted me to open Macys card account with offer of additional 40 % off atop the daily discounts. So, I then spent 2 hours time putting together sizeable wardrobe. When cashier helped me open account by phone and having to provide significant personal info, I was then told " denied ''. Interesting because I am a XXXX, excellent credit, XXXX debt, never denied such in my life. I overheard someone else in store saying same thing happened to her and another. This was XXXX XXXX, 2015. I left store without purchase. Today XXXX/XXXX/15, I receive a Macy 's credit card, never again elIgible for the 40 % incentive for new accounts. I suspect scam luring cutomers into opening card, not to mention the personal information used for marketing sharing. I am on phone with card company canceling and am also now told that the 40 % had a {$150.00} cap. I know what I heard as well as telling rep I was off to " spend a lot of money '', so I 'm certain she understood it was more than {$150.00}. 
Again ... .arguably ... a scam and what a waste of my valuable time. Thank you.
Consumer complaint received 2015-09-10
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (OH)

Quicken Loans is attempting to close on a loan with the clients name, XXXX XXXX, XXXX, FHA case number. They fraudently misquoted her numbers telling her the world and then bait and switched her. They charged {$400.00} for a fee not related to the appraisal so they could keep the appraisal. In every which way they tried to skeem and push something in front of this lady, all the while I was diligently telling her they were in the bait and switch program. I wish this not to the case on future, elderly, XXXX, living in poor neighborhood individuals. They also denied transferring the fha case, which is illegal, despite the client writing us a letter, stating that she was wanting to go with us. Again, very illegal and very unethical, you can not have a lender like this operating in OHIO.
Consumer complaint received 2015-09-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (CA)

Last month this company received a check along with a letter from me to pay off a {$77.00} debt the had reported on my credit report. 
The letter specifically stated that they were to only cash the check if they would go on to delete the account from the credit report and if this was not acceptable to them they were to send me the check back. ( see attached copy of letter ) In addition, I had also write on the the check 's note section " cash only if you will delete account from credit report '' ( see attached copy of check ) The company violated the implied agreement and cashed my check and failed to delete the account on my credit report.
Consumer complaint received 2015-06-23
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (CA)

I TOOK OUT A PERSONAL LOAN WITH MY BANK ( WELLSFARGO ) AND CAN NOT PAY I AM WORKING WITH A COMPANY TO PAY DOWN MY DEBT NOW MY BANK HAS FORCED A PAYMENT AND OVERDREW MY ACCOUNT WITHOUT ANY KNOWLEDGE OF THE PENDING DEBT OCCURRING, I FOUND OUT BY LOOKING AT MY BANK STATEMENT AND THEY HAD TAKEN A SUM OUT, I CALLED CUSTOMER SERVICE TO REPORT IT AS FRAUD, SINCE I HAD NO KNOWLEDGE NOR ANY WARNING OF THE TRANSACTION AND WAS GIVEN A CLAIM NUMBER AND A BLOW OFF GOOD BYE, ESSENTIALLY I WAS LIED TO THAT THEY WERE SENDING THE CLAIM TO THE CLAIMS DEPARTMENT WHICH I DOUBT. AND I HAVE BEEN WITH THE COMPANY SINCE 1999. I CAN NOT EVEN CHECK THAT THE MONEY WENT TO THE LOAN SINCE THEY HAVE TAKEN IT OFF MY ONLINE ACCOUNT SO I REALLY DONT KNOW WHERE THE XXXX WENT EITHER.
Consumer complaint received 2015-04-08
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We are a small business and have used our Bank of America credit card to pay for a plumbing service. We have provided the credit card number to the plumber since otherwise he will not even go to look at the problem ; however, by doing that we did not authorize him to charge any amount to our card. We provided him with the credit card number like we do when we purchase other things from our Air Conditioning service supplier or XXXX or XXXX XXXX or any other of our suppliers. None of those suppliers charge our credit cards prior for us to review the charge and approve it. Once the plumber went to the job place we asked him to do the job and provide us with the invoice ; not even then we authorized him to charge the credit card since we did not know the charge amount. Instead he asked the tenant to sign the invoice in our stead and charged the card without our approval ; he provided the invoice to us afterwards. We have disputed that charge with Bank Of America showing that the amount was charged without our approval and that we authorized it to pay the merchant a different amount ( {$300.00} instead of {$660.00} since the job was not completed and the charge included an item that the plumber did not work on but that was included in the invoice - snaking the entire drain ; our technician went and verified that and the access panel on the main drain has not been touched ). Bank of America closed the claim saying that once we gave the merchant our credit card number he was authorized to charge it. Is that how it is supposed to work? 
We completely disagree. When asked ( by the other authorized user and company principal ) to provide us with a proof where Bank of America disclosed that information to us when we signed the credit card agreement, supervisor XXXX in the Claims department said that we do not have a claim anymore and we have to pay the amount charged since we authorized the merchant to charge our credit card when we gave him the number. Why do we have to sign, review or approve any other credit card charge when we use that card for different purposes? We have XXXX credit cards stored on the XXXX website, why whould n't XXXX charge us for a product that we did not need just because it has our credit card numbers? Simple, because it asks us to review and approve a charge before it charges anything. Well, the plumber was provided with the credit card number and was asked to supply an invoice for us to review and approve. Instead he charged the credit card number directly and Bank of America approved the charge without our approving it. When told that we will not pay a part of the charge that the plumber charged and did not provide service for BofA 's XXXX told us that we will be sent to collection. 
We ca n't afford to take this {$660.00} charge to a court - we are a small business, however, we believe that BofA process does not work the way it is supposed to and that the plumber charged our card fraudulently. 
Please advise and help.
Consumer complaint received 2015-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo has delayed the review of our re-finance of house. Application was submitted in XXXX and we just found out they denied. They constantly asked for the same info over and over again. 
I was constantly calling them with no response. The manager said she was sitting at different desk that 's why she never replied!!
Consumer complaint received 2015-05-14
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Union Adjustment Company, Inc. (CA)

I would like to say false statement is correct on the drop down statements but crime by not paying debit is not correct but system will not go forward without choosing XXXX more choice and there is not a correct XXXX for my complaint ... ..so pls disreguard my choice on XXXX drop down ) Under XXXX report info there is a collections from XXXX CITATION CENTER for {$110.00} which has been paid in full and shows closed, with a derogative remark which I feel very strongly needs to be removed .I continue asking for assistance with this matter. A little background would be in XXXX trauma accident XXXX I share that info only to show how until last year ( 5 years after accident ) I was not in any condition physically or more importantly mentally and emotionally to absorb most things going on around me on a daily basis. In XXXX I came across a bill ( from XXXX citation ) for {$110.00} which showed no indication what it was for ( Ihad had a bill for the same amount for XXXX transpotation which was directed XXXX so therefore I THOUGHT THIS WAS SAME DEBIT AND HAD BEEN TAKEN CARE OF AS IT WAS NOT MY BILL. I called immediately and asked what info was attached to that bill, I apologize at this time as I cant recall what the lady on phone told me but I recognized that the item was my debit and so I explained my circumstances and sincerely apologized and paid the debit immediately during the phone call, as was my responsibility .I have been recently been trying to work on my credit as within 2 months of accident many thousands of debit was fraudulently put in my name, I am very glad to say that for someone who has never had bad debit issues my credit score is now repaired and therefore to read on my credit report that this company choose to put " disputed resolved, customer disagrees " is so distressing to me when I agreed the debit was mine and paid with no problem and I also observe account reported XXXX XXXX XXXX and then again XXXX XXXX XXXX??? what does this mean? ( I question if the customer service with this company gets a bonus or at least recognition for any debit collected and if it seems like they worked hard, put pressure and received payment they shine brighter to management, more than simply taking a payment by phone??? THIS WAS NOT THE SITUATION ) YET this agent felt it necessary to put such a remark which stays negatively on my credit report, its is false .Thank You for your attention in this matter.
Consumer complaint received 2015-10-31
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC (FL)

I 've been a cardholder since 2008 I have XXXX rushcards for different financial reasons due to past history of Identity theft. But now when it comes to me trying to use my card it has been and still is the worst nightmare ever. I normally have {$50.00} come or of my acct to put in my XXXX savings acct just to feel like I 'm apart of a bank, because rushcard is not accepted at most places ( prepaid ) and to now have to rely on this money to halfway get me by. I 've never experienced this yet with my card. I 've called numerous of occasions no response or i get placed on hold unknowingly if i do FINALLY get connected, or maybe even HUNGUP on after holding on for hours. Im still checking my mobile app and it 's still not allowing me to login, checking my online acct it may show that I 'm locked out invalid credentials ( user id/password ) or finally after answering numerous questions then it shows {$2.00} WTH.. I feel shameful to have to go to my mother for help with a XXXX old son who needs essential things that I ca n't afford right now or even borrow money from a payday loan to only not even be for sure if I would have the money to pay them back when it comes which is scheduled very soon. All these services fees are ridiculous, making XXXX be a fee free month is a SLAP IN THE FACE. Something needs to be done ASAP, this is unacceptable ... DO SOMETHING OR IM LEAVING RUSHCARD
Consumer complaint received 2015-09-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Due to unforeseen circumstances, I have fallen behind on my mortgagepayments. I have been trying to get a loan modification with my lender ( Select Portfolio Services ). Unfortunately, It 's almost impossible to do so. 
I have submitted all required documents to them for a review. However, every time I call for a status, someone will tell me they 're missing several dodocuments and can not review my file, so I email and fax them again and aagain. They continue to call me and threatened me that my investor hasbegun the foreclosure process abd I will lose my house of 15 yrs if I don'tcooperate with them and submit the documents. I have submitted the samedocuments over XXXX times just in last month. 
I respectfully ask your agencies help with my situation.
Consumer complaint received 2015-11-02
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On XXXX XXXX, 2015 I had a water heater installed for {$850.00}. The plumber charged this amount with a hand held credit card processor to my Bank of America Visa. 

A couple of weeks later, I was online checking the activity on that credit card and saw the water heater entry was not on it. I called the plumber and he resent the charge thinking the first entry did not go through. When I received my credit card statement in the mail, the {$850.00} water heater charge was on it twice ; one transaction dated on XXXX XXXX, 2015 and posted XXXX XXXX, the second transaction dated XXXX XXXX, 2015 and posted XXXX XXXX, 2015. 

I called Bank of America and they said they would remove one of the {$850.00} charges. My next Visa statement showed a balance adjustment of {$850.00} made with the transaction date of XXXX XXXX, posted on XXXX XXXX, 2015. 

Since then the plumber has called me and said his bank never received the {$850.00}. He said his bank shows there were XXXX charges in the amount of {$850.00} each and that both charges were deducted by Bank of America. 

I called Bank of America and they told me they paid his bank. I asked for some type of documentation to give the plumber or his bank to show that Bank of America processed it correctly. They refused. They said they would provide that information only if the plumber takes legal action against me. 

The plumber is a self employed, small business owner and has not been paid for the water heater. To go to court could cost him as much as the water heater. 

I paid {$850.00} which I can prove, but that money can not be accounted for. Someone has my money. I am asking for Bank of America to provide proof that they sent {$850.00} to the correct party at the correct bank.
Consumer complaint received 2015-11-02
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc. (FL)

On XXXX XXXX, 2015 I received a letter from Reverse Mortgage Solutions , Inc. notifying me that my loan was in serious default due to lender placed flood insurance. I was originally notified of the flood insurance requirement in 2015. I am XXXX years old and live on a fixed income. The amount needed to bring my account out of default is listed on the letter as {$6400.00}, which will increase. I made several calls to Reverse Mortgage Solutions, Inc to get more information in which I was not able to get in contact with them until weeks after receiving this letter. The representative assigned to my account is XXXX XXXX XXXX Ext. XXXX. I looked through my documents and realized that this amount is extremely high and could have been reduced had the company paid attention to the ELEVATION CERTIFICATE that was made part of my initial response to them upon being charged for lender placed insurance. I had my daughter call to see if she could get information from them and am in jeopardy of losing my home in a matter of days. The representative spoke with me on XX/XX/2015 to confirm that it was okay for my daughter to speak on my behalf and since then my daughter has not been able to contact them.
Consumer complaint received 2015-09-10
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (NY)

Again, American Express ( Amex ) failed to follow their term in their letter dated XXXX/XXXX/2015 ( copy sent earlier ). All their past responses to this complaint are irresponsible. Therefore, I will continue to file this complaint until Amex becomes responsible and transfers the XXXX earned rewards points to my open Amex account. 

I am in full disagreement with Amex 's failure to transfer XXXX earned points from my closed Amex account # XXXX to my open Amex account # *************** ( copies sent earlier ), because Amex stated in their XXXX/XXXX/2015 letter, " that as per the XXXX Terms and Conditions if you cancel your enrollment in the program and do n't keep open any American Express Cards, all points in your program account will be immediately forfeited ''. The key word in this quote is the word " any '', which pertains to my open Amex account # XXXX. On XXXX/XXXX/2015 I advised Amex in my letter ( copy sent earlier ) of this open Amex account. 

Amex needs to transfer my earned XXXX points to my open Amex account # XXXX per their terms and conditions. If then they are not in compliance with Federal banking laws.
Consumer complaint received 2015-09-10
Product: Credit card — 
Issue: Transaction issue — 
Company: PNC Bank N.A. (OH)

I received an email notice from PNC that it had declined a payment request from XXXX XXXX XXXX in the amount of {$20.00}. This is a utility merchant with whom I had established a automatic payment. When I called PNC Visa, they informed me that new credit card info via a " XXXX Account updater '' had been given to XXXX. At this time, I, the cardholder did not yet have the updated card to activate. They blamed XXXX and transferred the call to it. XXXX blames PNC and said that it issued the new information to merchant even before I had the card. I called XXXX XXXX and verified that a new expiration date had automatically been given to them. I had to give them my current card info so they could charge the account. Now, I have to call XXXX back when I receive the " new card '' so I can reactivate automatic billing. There is something wrong with the PNC VISA process when Merchants have information before I receive and activate a card. I have no clue what other of my automatic charges may have this same issue before I receive the new card to activate. This is an unnecessary and time consuming issue. None of the customer service reps at XXXX or PNC had any way to solve the issue. 
Please help so other consumers do n't get caught up in this same unnecessary problem. Thank you.
Consumer complaint received 2015-10-29
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (OR)

With my Chase credit card, I am unable to schedule automatic payments of anything but the total statement balance or the minimum. I also ca n't schedule payments past XXXX. It is extremely frustrating and ensures that the debt remains high since I ca n't pay off the total ammount at once.
Consumer complaint received 2015-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

All my student loan has been paid and charged off. i call department of education and the confirmed it. the even went and check the national student loan database and my account was clear but my credit report show multiple student loan thru multiple collection agency those informations are not true and needs to be removed from my credit report