davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-02
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (KY)

XXXX-ORIGINAL LOAN - XXXX XXXX XXXX Applied for a loan modification with XXXX XXXX XXXX XXXX XXXX transferred our loan to Ocwen Loan Servicing a . We received notice we were approved and the terms were to be 30 yrs for {$190000.00} @ 2 % for the life of the loan XXXX XXXX a. Ocwen changed the terms of the loan b. added XXXX to our loan, ( we were told this was an amount XXXX XXXX had sent over of payments that had not been made/ we then sent proof showing payments had been made and also our tax statements showing mortgage interest collected from XXXX ) c. raised interest rates after 5 yrs t 4.5 % d. added a balloon amount to end of loan e. robo signed or forged a signature on loan f. Has not responded in a timely manner to discuss the changes g. Has provided incomplete payment history reports h. Has refused to approve a new modification because our loan is current i. Has not considered the hardship of one half our income now going to a mortgage payment We have been trying unsuccessfully for five years to correct this error Only recently discovered this is common practice with this company and there is a complaint filed against them for these practices and an agreed order. They refuse to discuss the complaint and pass the information around from many representatives. In the past two months we have had XXXX persons assigned as our assistants to help. We have now been placed in the Escalation dept and are told our next step is the Ombudsman dept which is he highest level. We have been working with the Bankruptcy Dept, Research Dept and various other depts. Here is the link for the consent order XXXX
Consumer complaint received 2017-03-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (TX)

Company refuses to provide me with the process for paying additional money on my account. I submitted inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and although their email response states I will hear back within 5 days, I have not received the information requested. Additionally, my online payments used to have a way to pay extra money ( an amount of my choosing ) to my account ; however, that has disappeared. I received one response that I need to call to get the information. That is not acceptable! This simple question can be answered in writing. The only reason for them not to answer is that they want to continue charging as much interest as possible. This is the second time I have had to contact you to get this simple question answered. They restored my online ability to pay an amount of my choosing online mysteriously in that case, stating it was always there. This time I will attach proof that it is not there. And I want to request that it REMAIN until my account is paid in full. Furthermore, they have not at a minimum provided me with mailing instructions either for mailing in extra amounts of my choosing to my account.
Consumer complaint received 2016-11-02
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (WI)

I have had an account with Amex Serve since XX/XX/2016, My direct deposit has come in later and later every week for the past 4 weeks and I am paid every week Wednesday. I spoke with a representative on today who informed me that my direct deposit will not process to my account until after my pay date. I spoke with the supervisor XXXX and she nor the representative were able to provide a valid reason why my deposit would come in late. I request to speak with someone that was able to actually assist me and the supervisor XXXX informed me there is no one able to assist me. Now, I will have no gas to get to work this morning and I may be assessed a late fee on my rent.
Consumer complaint received 2016-11-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Lazarus Financial Group, Inc.(Closed) (CA)

I applied for my credit report, when I noticed items on my credit that I have never seen before, so I called the credit agencies and told them that items on my report were incorrect and they needed to be removed because I did not apply for them. 

They told me to file a police report and indicate what happened, which is why Im currently filing this complaint. Someone that Im not aware of used my identity to gain access to my credit and used it for what I did not authorized.
Consumer complaint received 2016-08-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XXXX XXXX, 2016 I deposited a check drawn on a law firm checking account in the amount of {$5000.00} to my bank of america checking account. I had not used the account in two months, but there had been no previous overdrafts of the account. Upon depositing the check, I received a receipt indicating that the funds would be available on Monday, XXXX XXXX, 2016 at XXXX. I waited until after XXXX/XXXX/16 XXXX p.m. to write a check to myself for deposit in my bank account at XXXX in the amount of {$500.00}. On XXXX XXXX, 2016, I received an email from Bank of America telling me that my account was overdrawn. I called customer service and was told that the hold was extended on my account but was not told when the money would become available or given a specific reason as to why the hold was extended. I advised Bank of America that I had written a check to myself for {$500.00} and I was told that they were determining whether or not to honor the check. I told them that the deposit check was from a law firm that I worked for, but they did not respond. On Thursday, XXXX XXXX, 2016, I obtained a copy of the cancelled deposit check for {$5000.00}, which indicated that the funds had been paid over to Bank of America on XXXX XXXX, 2016. I took the copy of the cancelled check, the receipt from Bank of America indicating that the funds would be available on XXXX/XXXX/16 after XXXX to the branch where the check was deposited. The bank refused to credit my account with the {$5000.00} and said that the hold would not be lifted until the end of business on XXXX XXXX, 2016, but would not give any explanation as to why and did not address how they could hold my funds when I showed them proof that the check had been paid. Bank of America agreed to remove the returned check charge for my {$500.00} returned check and a {$12.00} service fee today, but would not make the funds available immediately. This is clearly wrong and outrageous behavior on behalf of this bank. I also incurred additional bank charges on my XXXX account because the {$500.00} check was returned as unpaid by Bank of America. Bank of America has advised that they can not reimburse me for fees charged by XXXX.
Consumer complaint received 2016-07-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This XXXX account was reinserted to my credit report without being properly verified. This account does not belong to me. I contacted XXXX to validate the account to send me a signed credit application and they could not produce one. you did no verify this information pursuant to the FCRA, and Transunion reinserted this account. If this XXXX account does not get removed asap and continues to appear on my credit report, I shall find it necessary to sue you for defamation damages and declaratory relief. 

Under the FCRA, a creditor has the responsibility to investigate and verify the information reported to the credit bureaus, and consumers have the right to sue if their request for verification is not complied with. 

I look forward to a speedy resolution of this issue. This is my last attempt for I will sue Transunion just like The case is XXXX v. Trans Union LLC, case number XXXX, in the XXXX District of Virginia .
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (UT)

I was told by my school ( XXXX ) that I could only borrow from XXXX XXXX and I was not given other loan options. I understood that the XXXX XXXX loan I took out started accumulating interest from the time of dispersal, but I was under the impression that subsidized loans had the interest paid by the government until I entered repayment. I paid towards the full balances of the loans, principal and capitalized interest for 3 years before contacting Navient ( formerly XXXX XXXX ), and asked why the balances on my loans were more now then when I started. They told me they simply " overlooked '' applying the government subsidy payments and they would correct the problem so that form " now on '' my payments would be applied correctly. In light of recent news, it appears I am not alone in this issue and I am wondering just how much of my hard earned money Navient has cheated me out of? I feel they should be accountable for their unscrupulous business practices.
Consumer complaint received 2016-12-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc. (MA)

Beginning in XXXX this company from an XXXX number began calling my phone asking to whom they were speaking with. The first few times I asked them to verify who they were and type of service company. Each time they have refused to do so. Then I began receiving hang up calls, where they 'd lurk on the phone for a few seconds then hang up. This type of behavior has continued without a verification letter of their business and my involvement. 

Today, XXXX XXXX is the first time I received a name of the company - EOACCA, which according to google is a debt collection agency. Same as before they called, I answered and they hung up. I called back saying I received several hangup calls from them, and asked them to verify who they were and their service. I was told that they needed to verify who I was before continuing. I told him I was n't going to. I asked them to stop placing hangup calls and do not call if they could n't tell me their place and purpose of business. The gentleman said at that point that they are EOACCA. I asked what does that stand for and what is their purpose for calling. He said its not an acronym, and I needed to tell him who I was before continuing. I told him I would n't and asked him again not to call back.
Consumer complaint received 2016-07-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services ()

I would like to submit a formal complaint about the online forms associated with ACS loan servicer. I am currently attending school in XXXX, XXXX and in doing so I have a XXXX address, bank account, and phone number. ACS does not allow for the option to have a foreign address in your personal information when filling out the In-School deferment forms, although they do allow you to enter a foreign address when entering your personal information in the " update address '' section. They also do not allow you to enter a foreign phone number and do not allow the option of simply not entering a phone number, this means that I have been forced to enter my father 's personal phone number despite the fact that he is in no way involved in my student loan re-payment efforts. As XXXX of thousands of people who are paying exorbitant interest rates to ACS for servicing a federal student loan, I am shocked and appalled that they are not able to accomplish something as simple as creating forms and protocols that work despite your location on the globe. I am also appalled that these loan servicers refuse to accept payments from foreign accounts. Forcing borrowers to pay a foreign transaction fee to transfer money into an american account on top of high interest rates is an undue burden for borrowers and should not be acceptable practice for companies that are making millions of dollars servicing FEDERAL student loans. I hope that you will take steps to correct XXXX of these glaring issues as they are certainly not in line with the globalised world that we are living in today. 
Thank you for your time. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NC)

Two years ago I was not informed of my renewal date for my income based repayment plan, and I was hit with a charge of over {$1000.00} when my regular payment was nearer to {$400.00}. This caused me to overdraft my checking account and caused a number of other financial hardships as I was unable to pay other bills and had to adjusted payment schedules. They would not refund this money though I asked a couple of times. Last year, I received an email stating that my income based repayment was expiring, and that my new payment would be approx. {$500.00} so I decided not to renew my income based repayment. When my income base plan expired, again is shot up to over {$1000.00} because the email I received was only in regard to a collection of my loans, not all of my loans. In this case they refunded me the {$1000.00} and I was able to reapply for income based repayment. This year, I submitted my renewal for the program and it has been over two weeks and I have yet to hear from them when the deadline XX/XX/XXXX. I withdrew from the autodraft system last year because of this, which increases the headache of making sure they get paid.
Consumer complaint received 2016-06-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (GA)

i had received a letter from American express requesting financial information. 
I faxed that info to them at XXXX and have a fax confirmation page. they say they never received it. then they abruptly cancel my card. I called them and they told me it was sent to collections. so I did n't pay my bill. I talked to the collection agency about this and they said they cant do nothing about it. seems like a lie to me how can they alt out tell me they did n't get the info and I have a fax confirmation I told them I would pay it in full and they need to reinstate my account and remove the credit reporting since it was their error nothing back nor return calls seems like the planned on doing this on purpose
Consumer complaint received 2016-04-12
Product: Credit card — 
Issue: Payoff process — 
Company: U.S. BANCORP (WA)

I filed a complaint last week but I need to add more to it now that it has been a week and I still do n't have my money back. When I first called on Tuesday XXXX XXXX I was told it would be taken care of right away, I called back on the XXXX because it was taken care of, I talked with a manager and we did a XXXX way call to verify with my bank that the money was in fact taken out twice, I was told it was a XXXX3 day proses o have the money returned. That would mean when I called thuesday it would be back by Thursday at the latest. I also called my local US bank and talked to the manager there, she said she would call herself to make sure this is rushed being it was {$12000.00} that was taken out. She then called me back after talking to someone and told me the money would be back in my account Thursday or if not then then for sure by Friday. Well Friday came and went and still no repayment of the extra {$12000.00} they took from my checking account because of a computer glitch on their end. I called customer service again on Friday and talked to another manager. I was then again told oh we are very sorry but it does n't look like the person you talked to on wed. Noted on the account that he already verified the money was taken out so we will have to do that again and we do n't work on the weekend so we will have to do that on Monday. And after they do that on Monday it will then be another XXXX3 days to process. Well it is not XXXX XXXX and I am still waiting for my {$12000.00}. The manager did call on Monday saying it was out of the XXXX department now I just have to wait for them to submit for the refund. I asked them what they are willing to do to make this right because they stole over {$12000.00} out of my account and refused to put it right back in. They said they are willing to give me a {$75.00} credit and a sorry. I told them {$75.00} does not cover the size of mistake they made and the stress it caused me of going a week missing {$12000.00}. They were not willing to do another more and said I could send a letter to take it further. I have never received such horrible customer service regarding a mistake that there company made. I should never have to wait over a week to get money that was wrongly taken from my account especially when it was such a large amount. I feel this was very criminal on their end and they need to do something much more then give me {$75.00} to correct their issue. If I would n't have been lucky enough to be able to pull money from a different account to cover their mistake I could have had many payments and things bounce back because my account would have been negitive and would not have had any funds to even live off of. Luckily I just sold my condo and had some extra money to still live on for the week.
Consumer complaint received 2016-09-07
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NV)

XXXX/XXXX/XXXX I submitted a request for mortgage assistance to CitiMortgage to short sale my home. I started to receive correspondence from CitiMortgage appraising me of the status of the request. Correspondence indicated I was going to received an answer by XXXX XXXX, XXXX. On XXXX XXXX, XXXX I called CitiMortgage to get an update on my request. The mortgage assistance specialist handling my request, XXXX XXXX, does not answer her phone and her voice mail is full and I can not leave a message. I chatted with CitiMortgage and did n't get anywhere. Every time I call customer service ( I tried XXXX different numbers ), my call is automatically transfer to XXXX XXXX, and of course, she does not answer and I can not leave a message. CitiMortgage is being threatening to foreclose my mortgage since XXXX, and this is the XXXX time I ' m attempting a short sale. I have multiple offers but can not proceed until CitiMortgage approves it. The first time they drug their feet and it seems they are doing the same this time around. In the meanwhile, fees upon fees keep accumulating on my mortgage.
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, I was a victim of Transunion 's inquiry removal/reinsertion issue and they have refused to remove the illegally inserted inquires after I called their customer service center. Their customer service would not help and take care of the negative inquiries shown on my credit report.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX : Balance : {$2300.00} Unauthorized Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-04-12
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (NC)

We applied and were approved for a credit card through XXXX XXXX XXXX card, provided by Citi. We were told that we would receive certain benefits such as improved boarding position and free checked baggage. When we used the card to purchase flights/book travel we still were charged for our checked bag and were not given the improved boarding status. The flights were purchased almost a month in advance and the bags were paid for at the airline kiosk with the XXXX XXXX XXXX Credit Card. When I brought this to the attention of the credit card company and the airline, both redirected me to a refund website which was not particularly clear about the information required to receive a refund. The website asked for a " document number '' which could mean an itinerary number, membership number, credit card number, how are you to know? Once I figured it out ( number found on the credit card statement ), I filled out the required information on the website and was told that my application would have to be manually reviewed. I had to do this twice, for the bag that travelled to and back from our destination. We 've flown since and I assume that I will have to go and file for these refunds individually. What is frustrating about this, is that we receive our reward miles ( as promised ) but the other benefits with upfront costs seem deferred until you the consumer takes further action. Why must a consumer take additional action to realize certain advertised benefits while other benefits such as airline miles are awarded using the same information? I could not receive nor use my airline miles without providing my XXXX XXXX membership number. Why then, when I provide my membership number to check into a flight and pay for a bag service at an XXXX XXXX point of sale at the same time, using their XXXX XXXX Credit Card, do I not receive the other benefits associated with the card. It seems to me that when I provide my membership number and present my card at the XXXX ( as well as in person when I hand over my bag for check-in ) I should automatically receive the benefit stated on the card ... why all the additional hoops? I wonder if this is a method of taking in revenue that hinges on a customer not paying close attention to their benefits. Furthermore, by providing some benefits, it creates an illusion that the XXXX and Credit Card company are behaving " above board '' by giving you benefits, when they are not actually awarding the customer all of the promised benefits as stated in the credit card application.
Consumer complaint received 2016-08-05
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Automatic Data Processing, Inc. (FL)

On XXXX XXXX, and XXXX i purchased XXXX items from XXXX as a result, XXXX item was a XXXX for my car and the other item was a XXXX for XXXX as a result, both items were defective! The shoes were not in good condition they were falling apart and the parts for my car were missing screws! I contacted XXXX about it and my claim was denied due to at first i stated i didnt receive the item which was true but weeks later received it but it was defective! I was very furious after getting denied through XXXX so i contacted adp regarding this transaction and weeks later my claim was denied i was very upset after being denied twice by XXXX and my card company.