davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Genesis Lending (IN)

While attending XXXX XXXX in XXXX IN from XX/XX/XXXX-XX/XX/XXXX I was paying for my student loan ( Genesis Lending ) every month. It was hard enough working a part time job and going to school, plus paying for one of my student loans on top of that? Sure, I believed them that it was what had to be done to stay in the program, but I needed a job quick that would start out with decent pay. Is it the amount they told me I would start off at, of course not! I have now been in my field for over 6 years, out of XXXX students in my class I was XXXX of XXXX that actually got a job in what we went to school for. I also believe that I am over paying for my schooling. I would like to know what my next steps are to get relief from paying the rest of my student loans back since I have already OVERPAID what other schools such as XXXX XXXX are charging for the same program and with a degree or if I will be receiving any money back that I feel this school system legitimately stole from me. I feel that it is only the right thing to do to relieve me from paying off the rest of my loans through Genesis and XXXX XXXX. Plus, giving me back some money that I feel I deserve from putting up with this nonsense. It 's been nothing but a struggle trying to go back to school because NO ONE takes any credits from XXXX. If you ask me I 'm so ashamed and EMBARRASSED to say that I actually went to XXXX. XXXX promised that any accredited school would accept credits from there, shame on me for believing them. I feel I 'm very well qualified to continue with my education, but thanks to XXXX I literally have to start all over with everything. NO credits, NO degree, NOTHING. I feel as a student that attended XXXX I deserve something, whether that be relief of the rest of my loans or some kind of refund. All I have to say is what a JOKE!
Consumer complaint received 2016-01-26
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I had an equity line of credit with BOA ( Bank of America ) in the amount of {$120000.00} payoff due in 15yrs. which I used {$25000.00} of the funds. Within that time {$100000.00} was put on freeze, therefore, I could not use that money. Within the 15 yr. period of time I paid back {$20000.00} leaving me a balance of {$4100.00} unpaid, from the initial {$25000.00} used. As of this date the {$4100.00} has been paid off. BOA is telling me that I still owe them the {$100000.00} from my XXXX. line of credit. I was offered a second line of credit for the XXXX which I took because I still owed them {$4100.00}. About a year later after paying the {$4100.00} owed they 're saying I still owe the {$100000.00} which I never used. This I do not understand. How do I owe money never used. Thinking that they offered me a second line of credit, they gave me another mortgage which included the {$100000.00} called XXXX ''. When I got my first equity line BOA paid off my first mortgage which was around {$30.00} something thousand dollars. I did call BOA several times with no avail. Specifically, on XXXX, XXXX I spoked with XXXX a BOA rep. I informed him that I was deaf and hard of hearing and he got frustrated with me. I then asked him what was the initial pay-off amount BOA paid, if anything this is what I would owe, and he would not tell me, and said " Lady you owe the money ''. My response to him was how do I owe money that was frozen and never used? This is when he hung-up on me. In conclusion, If I do owe any other money to BOA it would be the original pay-off amount not the {$100000.00} they are trying to make me pay with a new mortgage. I pray this matter is resolved.
Consumer complaint received 2015-05-28
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Pinnacle Credit Services, LLC (ME)

Pinnacle told me to not fight this anymore cause they day account is mine I have asked them to send assigned contract to prove its mine same response every time they have over XXXX compliant online needs to have something done about it they threatened me when I called
Consumer complaint received 2015-12-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I spoke to my relationship manager on Late XXXX to discuss a mortgage resolution that has yet been fixed. The relationship manager said that she will look into me paying a {$1400.00} down payment and then have a {$1000.00} mortgage payment per month. The relationship manager said she needed to get approval before it can be approved. I never heard back from my relationship manager for the approval nor did I get any letter saying I was approved. After about 3 weeks, I went online to my account at www.ocwen.com to see if there is any update and I saw that all I had to pay was a payment of {$1000.00} starting XXXX XXXX, 2015. I made my payment on XXXX XXXX, 2015 and received a confirmation letter XXXX from Ocwen. I checked my Ocwen account daily to see if my payment posted and on XXXX XXXX, 2015, the {$1000.00} was deducted out of my wife 's XXXX account on XXXX XXXX, 2015. Ocwen stated on the phone that they rejected the payment because I did not pay the {$1400.00} down payment. I explained that they never sent me a letter with approval and when I saw that I had to pay the {$1000.00} I paid it. 
Ocwen has been playing around for a XXXX time now. Most recently I submitted a letter to the CFPB in regard to {$10000.00} I paid Ocwen with no resolution. I am in dire need of help from the government as Ocwen still has messed up my situation. They seem lost when it comes to phone calls and when you do the right thing they just want more money.
Consumer complaint received 2016-04-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (TX)

Before I had an unwelcome guest in my home removed by police on XXXX/XXXX/15, he stole my Discover credit card out of my wallet, without my knowledge. He proceeded to use it for 4 days and charged up over {$800.00} dollars. I did n't know the card was gone until I received a call from Discover asking about fraudulant charges. I said it was fraud and they told me to file a police report, which I did. I spoke to the detective twice and told him the situation, then I never heard back from him at all. I received no information unitl I got a bill from Discover showing the fraudulant charges were added back onto my account. I called and their fraud investigator told me that the police determined that I gave the thief my card to use so I was liable for the charges. I had no opportunity to dispute the claim and ultimately had to pay for the charges so that my account would not be overdrawn and affect my credit score.
Consumer complaint received 2015-12-14
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CREDIT ACCEPTANCE CORPORATION (NC)

this account somehow was opened up in my name is fraudulent and opened as a result of my identity being stolen i have gone through alot tryying to get this straightned out i have filed police report and notarized id theft affdiavit concerning this with the ftc
Consumer complaint received 2015-12-13
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: The CBE Group, Inc. (AL)

I moved to a different state and got a new phone number ( land line ). this company CBE has been calling ever since I moved in a month ago. I told them this is not the number of the person they are trying to reach, but they keep calling ( several weeks and many times a day ). They told me i had to call my phone carrier and tell them to update some number registry and that they would remove my number. The calls have not stopped, They called 7 times today ( auto dialer- XXXX )
Consumer complaint received 2015-12-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Brown and Joseph, Ltd (OR)

Our company, XXXX XXXX , XXXX, acquired the assets, but not the liabilities, of XXXX XXXX on XXXX XXXX, XXXX. Early this year, a collection agency, Brown & Joseph, began aggressively contacting our company regarding a debt from an advertising contract between XXXX XXXX and XXXX XXXX ( an advertising company based out of Utah ). On XXXX XXXX, XXXX, we received a letter from XXXX XXXX of Brown & Joseph demanding that we pay the debt or they would pursue legal action against our company. We informed XXXX XXXX in a letter on XXXX XXXX, XXXX that the contract preceded our acquisition of XXXX XXXX, and since we did not acquire the liabilities of XXXX XXXX, we do not owe any money. However, the harassment continued. 
On XXXX XXXX, XXXX, we received a letter from XXXX XXXX of XXXX XXXX XXXX , XXXX, stating that the account had been referred to them in order to facilitate the appropriate litigation procedures. We responded to XXXX XXXX in a letter on XXXX XXXX, XXXX informing her of the reasons we did not owe the money. We also informed her that if our company continued to be harassed about the debt we would file a complaint with the relevant government agencies for violation of unfair business practice laws. XXXX XXXX responded by sending a letter on XXXX XXXX, XXXX in which she threatened to file suit if the debt was not paid within five days. 
Being that neither collection agency would address the facts of the situation and that they refused to stop harassing our company, we sent a letter to XXXX XXXX in the hope that they would instruct the debt collectors to cease contact. We have yet to receive a response from XXXX XXXX, and the contact has continued. Our company has continually been harassed by these collection agencies despite having no factual basis to do so. None of the companies have addressed our contentions or have been willing to speak with us regarding the factual history of the debt. We have no other option but to solicit your help in resolving this matter and ensuring that these business practices do not continue in the future.
Consumer complaint received 2015-06-29
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: CITIBANK, N.A. (FL)

my father passaway XXXX this year. unknown to me he had a XXXX mortgage that he paid religious for XXXX. as soon as he passing the mortgage start writing about forcloure. i now live in his house and is on XXXX. my father pass away with XXXX. he would not sign a contract with pathetic interest rate.the use to do people tax return ; he would not sign that contract if he was in is right mind.BOTTOM LINE I THINK THEY TOOK ADVANTAGE OR MY DADDY.i was his caregiver ; and i am his son. i am awaiting for his medical records to see when he was diagnois with XXXX. i talk to the vet hosital today and they told me it is in delay
Consumer complaint received 2015-06-29
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

Back in XX/XX/XXXX I moved to XXXX stayed at brother in laws houseLittle I knew he purchased a house in XXXX under my name using my informationThe house went foreclosure I moved to XXXX in XX/XX/XXXX recently I wanted to rent a apartment the leasing company checked my credit they informed me that I have loan under my name with 5th thirth bank I was shocked I contacted the bank they told me to contact the credit berue I really need help I have never been in this situation before please reach for help thank
Consumer complaint received 2015-05-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

I have purchased my home 2 years ago. Since then the assessed value of my home has increased. My tax assessed value has increased by 30 % and other houses in my neighborhood are reflecting that increase. I contacted Wells Fargo ( owner of my mortgage ) to have them assess the property value so that I can remove my mortgage insurance. They told me that I would have to pay over {$300.00} for the appraiser so assess my home. They also said that the appraiser would not take market value into account. The appraiser would only be looking for structural modifications. Wells Fargo owns the appraisal company. There is a conflict of interest that negatively affects consumers like myself. The appraisal company and Wells Fargo are in collusion to artificially suppress appraised property values as confirmed to me by the Wells Fargo representative. A fair and proper appraisal must take market value into account.
Consumer complaint received 2016-02-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (OH)

I refinanced my loan 3 years ago. I have never received a statement during this time frame and thought I could only make my mortgage payments on line. Each time I made a payment I was charged an extra fee of {$5.00} to {$10.00} each transaction. There is no where on the web site advising me of my right to mail in a payment and not have to pay the extra fee. I have been trying to reach customer service for a mailing address and so far have been on hold for over 2 hours and it is XXXX. ( open till XXXX per web page )
Consumer complaint received 2016-01-25
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

I requested XXXX to take care of title insurance for my real estate closing. During the closing, I was told by XXXX XXXX that they were not the ones doing the title insurance, that it was Fifth Third. He said it was my choice to select who I wanted. We had a Fifth Third loan representative there and asked her to change it and she called and nothing has been done to date. It has been nearly two months and no return of money. 
Secondly, there was a loan application fee that I paid for ahead of time that I was told I would be reimbursed. To date I have not received the {$350.00} from Fifth Third.
Consumer complaint received 2016-01-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Pollack & Rosen, P.A. (FL)

*****This is my 7th complaint over this fraudulent loan. I request this loan removed from my credit report and stop the reselling of this loan. 

On XXXX XXXX, 2016 I was working at the front desk at The XXXX XXXX XXXX when a man from a collection agency. I know it is illegal for any bill collector to harass an individual at their place of employment. 

When I attempted to gather information in order to file a report he disconnected the phone. 

I have filed several complaints about this fraudulent loan. It was originated before I attended college. I am sick and tired of this loan being passed from one debt collector to another debt collector. Each debt collector is aware the loan in fraudulent and they fail to follow the appropriate steps and then sell the loan, fully aware it is fraudulent. 

I want this company investigated for purchasing accounts that are known to be illegal in their source. I also want this company investigated for breaking privacy laws. The individual did not attempt to clarify they had the correct person on the phone.
Consumer complaint received 2016-01-27
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation (DE)

I received a loan from avant last year in XXXX of XXXX. I received an email about refinancing for additional funds or lower Apr. My Apr for a Delaware consumer is XXXX, but I noticed on their website they offer Delaware loans highest 36 %. I contacted them and their statement was this was new interest since my loan opened and I could reapply for the lower Apr. I tried reapplying and was denied. Logged back into site after applying it ran my credit again to deny me without me actually filling out application.
Consumer complaint received 2015-05-27
Product: Credit card — 
Issue: Balance transfer — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I was offered a promotional APR of 0 % interest on balance transfers and convience checks that expired on XXXX XXXX, 2015. On XXXX XXXX, I called USAA customer service to process XXXX balance transfers and was told my account was locked and I would have to call back in 24hrs to process the transfers. I called back to USAA 's customer service to process XXXX balance transfers on XXXX XXXX and spoke to a represenitive about the offer and was told that that day XXXX XXXX was the last day to take advantage of the offer. I gave her my first account number to a XXXX and XXXX credit account. The represenitive was unable to get the account to be rcognized by the sysytem and suggested that I write a convience check to myself to cover the balance and pay the account myself. The XXXX account was recognized by the sysytem and was processed that day. I was asked if I had any other accounts and after declining, the call ended. On XXXX XXXX, I noticed a finance charge on my account for balance transfers. I called USAA on the next business day and was told that I was charged due to the balance transfer not posting to my account by the end of the promotion period. I was told the check that was written was under the promotion, but not the account that was processed on the XXXX as a balance transfer. I asked why the person I spoke with did not explain this to me and was told that they were unsure as to why. I then asked why the previous customer service rep. did not just advise me to write a check for the amount of XXXX transfers instead of the XXXX and received the same " Unsure '' response. I feel that I was mislead into believe that the balances I transfered over to USAA would be covered under the promotion offered to me, especially since I was speaking to a customer service agent from the company. I then inquired about just paying off the amount that was not under the promotion and was told, I could not do that without paying off the entire balance of the card. I do not understand why I can not specify what balance is paid after I make the minimum payment.
Consumer complaint received 2016-01-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (FL)

My wife received a letter from an alleged collection agency informing her of a {$140.00} XXXX dept. She was offered a settlement payment of {$29.00}. We have never had an XXXX account. I XXXX the company name and learned of several consumer complaints who reported being in the same position as my wife. Some of the consumers reported phoning the company, where they were either informed that there was no dept. or told of the dept in a threatening manner. Complaints of returned calls from the company harassing/threatening were reported. For this reason, we have not made contact with the company, choosing to, instead, to pass this info on to you. It be important to note that my wife and I are senior citizens, retired and living on fixed income. Your assistance is greatly appreciated.
Consumer complaint received 2016-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

HO with delinq mtges with Fifth Third contacted me asking for help with a loan modification. I gathered all the information and send the RMA and all other required docs to the bank for review. On XXXX XXXX, 2016 the POC person at the bank, XXXX XXXX XXXX requested addtl documentation which I immediately faxed to her. On XXXX XXXX, 2016 XXXX requested P & L statements for the HO 's XXXX. I provided them and faxed them in to her on the same day. The HO got a letter dated XXXX XXXX, 2016 from XXXX XXXX at Fifth Third advised that they had to close her file since she did not meet the terms of her agreement???? What are they talking about? I called the bank and talked to a guy named XXXX who said that XXXX 's notes on the file said that since the P & L statements were not signed and dated they were closing the file! Really??? All she had to do was ask me to get them signed and dated which I have done and returned to them today asking them to re-open and review this file for a loan modification. They obviously are not too interested in helping the homeowner and I do not approve of their tactics. Someone needs to talk to them
Consumer complaint received 2015-05-31
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (OR)

My husband and I are veterans and have a VA XXXX year hybrid loan through XXXX Mortgage ( Formerly XXXX ), and their Loan Servicing agent is Ocwen Loan Servicing. We are not in Foreclosure and we are not XXXX days late, but because of the timing of my paydays we are often paying our mortgage beyond their XXXX day grace period each month. Promptly, on day XXXX, they begin a barrage of calls to our house, literally blowing up our house phone. My husband is a XXXXy XXXX and he has laid there and listened to them call, then hang up and immediately, auto-redial us repeatedly sometime XXXX times in a row at like XXXX in the morning. Today is XXXX XXXX, a Saturday, and we laid there and listened to our phone go off at XXXX this morning for about XXXX or XXXX minutes of the phone continuing to ring. This wakes up our kids and is disrupting my husband 's sleep. Even after we pay our bill we continue to receive collection phone calls for days after, even after repeatedly reminding them that we have paid. They have reported us late several time when we are not or when I have had trouble with their website, and even after filing disputes with the credit reporting agencies, the report remains unchanged by the credit reporting agencies. Now, our credit has been harmed and if we were to attempt to refi at this time, we would pay more based on our credit score. XXXX weeks ago we tried to get a refi quote from a lender, and I called the Ocwen customer service line, requesting a copy of our Adjustable Rate Note, for the loan application. The agent on the phone said it would that XXXX days to receive it in the mail-that was XXXX weeks ago and we still have not received our Adjustable Rate Note in the mail. VERY VERY POOR CUSTOMER SERVICE-AND PREDATORY COLLECTION PRACTICES.