davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Now the latest in the saga in my fight with Bank of America is that they hired an attorney to what, tell me they do n't have to answer a simple question related to a document they created earlier this year? The attorneys stated they do n't have to answer because they are no longer my current servicer and put out some legal statutes which I 'm sure is all XXXX all in an attempt to justify the non-response to why after so many years did they finally create the document to transfer my loan for the servicing and I also asked for clarification on another document that appears forged. It would seem more sensible if BoA wants to bring in an attorney to simply ask those attorneys to work out a settlement. Everything I have against BoA is documented, it 's in writing, there 's no, 'we discussed on the phone this on such and such date ... '. Every last issue I have presented is fact, it 's recorded, and it 100 % shows BoA in the wrong and on a multitude of issues, some very minor, some most extreme once start talking forging documents and harassing me when were n't even legally servicing my account and the insane part is that was after years of me essentially asking for that document, why did n't they at least re-assign the mortgage servicing going back probably 4 years now when I first brought it up???
Consumer complaint received 2016-11-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MO)

To whom it may concern, Once again Ocwen has still not settled any of my complaints. Ocwen is supposed to be banned from foreclosing on anyone until they correct of the wrong doing they have done to not just me but othersas well. Once again Ocewen is attempting to foreclose on me. Ocwen has been doing wrong just about as long as they have been in bbusiness. Once again I am suing Ocwen for a XXXX dollars and before I even get to court Ocwen may be able to illegally foreclose on me. I have had about XXXX XXXX because of Ocwen and now my wife just had a XXXX XXXX and XXXX because of Ocwens illegal activities. 
Ocwen has to be stopped. 
I believe also the SEC needs to be looking into possible stock manipulation.
Consumer complaint received 2016-04-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

On XXXX XXXX, 2016, the following ACH transactions were debited from my account : ( 1 ) XXXX $ XXXX ; and ( 2 ) .XXXX XXXX : $ XXXX. On XXXX XXXX, 2016 and per Bank of America 's email of a transfer alert, {$500.00} was transferred to my account. At the time the {$500.00} transfer was deposited in the account ( and received by BOFA ), the status of the transfer as well as the ACH transactions were " processing '' according to my online banking transaction screen. On XXXX XXXX, 2016, I received an alert from BOFA stating that my account is overdrawn and I was assessed a fee of {$70.00} ( {$35.00} per transaction ). Upon discovering this fee, I called BOFA and spoke to a representative ( XXXX ) about this matter and was told that I did not have sufficient funds. I then asked about the {$500.00} transfer that would have covered the ACH debits however, the representative just repeated her previous statement and stated that BOFA can not process funds on the weekends. I was able to see that the {$500.00} was posted to the account on XXXX XXXX, 2016 but was " processing. '' BOFA decided to post the ACH debits and did not use the {$500.00} transfer deposit to apply to the ACH debits that were also " processing '' during the same time period.
Consumer complaint received 2016-08-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NC)

I started having problems paying my mortgage back in XXXX. The end of XXXX I did a agreement with my mortgage company ( Nationsstar ) to pay XXXX 's mortgage over XXXX, XXXX and XXXX. In XXXX I started a refinance with XXXX XXXX XXXX XXXX. Nationstar gave XXXX a quote. We closed on XXXX/XXXX/2016 and the check was sent to Nationstar on XXXX/XXXX/2016. Nationstar is claiming the payoff was short because they did n't receive the payoff by XXXX/XXXX/2016. Now they are price gauging my mortgage payoff. My balance was XXXX, now they are saying the payoff is XXXX.
Consumer complaint received 2016-09-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

We had a checkbook stolen from a desk at work. Several checks were written by the thief to " Account Holder '' and were cashed. A freeze was placed on our account at Bank of America. To freeze the account, they put a {$880000.00} charge on the account causing us to be overdrawn by over {$800000.00}. We called on XXXX XXXX to report the issue. I sat on hold for over an hour. I spoke with someone who looked at the account and could not figure out who/what placed the hold on our account. He then said he had to transfer me to " Check Fraud '' ( which was who I thought I was calling in the first place ). I waited on hold for 30 more minutes and no one answered. My husband, at this same time, stopped at a Bank of America branch. The branch manager tried to help by opening a new account for us. But, he was not allowed to transfer OUR money to the new account and close the old one because of the " Freeze ''. He called the " Check Fraud '' department and sat on hold for over an hour, himself. My husband had to go back to work, so they gave up. We called back again last night and waited on hold for over 90 minutes ( all call logs will be attached to this message ). This morning ( XXXX XXXX ) I am seeing MORE fraudulent/stolen checks clearing our account. I have been on hold, so far, for 18 minutes as I write this complaint. No answer. We have no access to bill pay, automatic payments, nothing. We are being treated like the criminals in this situation with no lifeline from the bank. If you 're going to freeze assets in an account, you had better have someone available to assist as soon as I call the first time. The fact that we ca n't reach ANYONE who can investigate and make us whole after the bank allowed a stranger to cash checks is a crime in and of itself. My next call is to a local news station. I want access to my money so I can close the accounts and move all business to my credit union. As of right now, a criminal has access to all the money he needs from my account, but I ca n't have access?!
Consumer complaint received 2016-04-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (LA)

I had a condo in XXXX XXXX, MS. That was destroyed during XXXX XXXX in XXXX. Greentree Mortgage was my mortgage lender. I only have a slab left from the condo. I paid my mortgage for many years after the destruction. I tried to work with them to decrease my payment or extend my loan. They would do neither. I got a call from them that they were going to charge me an exorbitant amount of money for their " full coverage '' insurance to protect their " investment '' from fire, etc. I told the representative, that it was a slab, nothing was left, that a fire would only improve the property. I went through all the representatives and supervisors. They threatened to foreclose on the property. This went on for several months, with calling at all hours of the day and night, threatening, etc. Finally, I spoke with them and the company would not modify the loan and said they would foreclose. I gave them my contact information and they said they would start foreclosure proceedings. Move forward to XXXX, and I find out that I still own the property and they never foreclosed. I went to the XXXX mortgage office and my original mortgage it still there. Now they have " Reorganized '' and have this lawsuit against them. I found out that they Charged off my account, but never foreclosed, now the property is in limbo. Who has my mortgage now? Ridiculous company, charged me tons of fee 's from everything from paying your bill on their system to all these charges, Who can even tell what the real mortgage amount is with this company?
Consumer complaint received 2017-01-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (NE)

The company where I currently have my private student loan through will not give me any options to lower my monthly payment, that I have repeatedly told them I can not afford. The only option they would give me was to put the loan in forbearance. Even though I have told them I can pay something just not the total amount of the loan due to being a single mother of XXXX children. I have had to put the loan in forbearance 2 times for 3 months each. While the loan is in forbearance it is still accruing interest which will increase the monthly payment even more. When I asked the employee about this and how that made any sense if I already can not afford the payment and basically the only thing they will do is increase the amount of the monthly payment, the employee would only state that he was sorry but there was nothing they could do for me.
Consumer complaint received 2016-11-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Monterey Financial Services LLC (TX)

I was a victim of identity theft and noticed a collection from MONTEREY COLLECTION / MONTEREY FINANCIAL SERVICES I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against MONTEREY COLLECTION / MONTEREY FINANCIAL SERVICES in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2016-06-21
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: BlueChip Financial (OH)

Called me at work telling me that i would be served at my place of employment with court papers. That they had sent me prior information via US mail, which i never received and told me I had 1 hour to contact them back or it was too late
Consumer complaint received 2017-03-22
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC (CO)

I, XXXX, have made several attempts to reach out to Prestige Financial and find their collection practices to be appalling, to say the least. Their lack of response to my calls or emails is disturbing. I have made several attempts to reach out to them leaving 2-3 messages and I do not receive a call back. We, my wife and I, were going through serious financial hardships and unfortunately defaulted on our car loan to a point where it was repossessed by Prestige Financial. The car loan we obtained for a XXXX back in XX/XX/2012 was for $ XXXX with a high interest rate of 16 %. We had the vehicle for 4 years and paid a total of $ XXXX to Prestige Financial but apparently all the money we gave them went towards interests and late fees. Prestige Financial is still asking us for $ XXXX plus a 16 % interest rate. 

Initially when I contacted Prestige Financial they wanted me to pay {$150.00} towards interest and {$100.00} towards the principle each month. I attempted to explain to them that they were taking advantage of a consumer who could n't pay the car which was why the vehicle was repossessed. I offered them $ XXXX to pay off the file, which in my opinion is more than fair, but they declined my request. I have submitted all my financial information to Prestige Financial where it proves that I am in the red about {$500.00} a month. 

Prestige is now telling me that they will do no interest on the file if I have my employer do a voluntary wage assignment. I do n't understand why my employer has to get involved in my financial discourse with Prestige in order for them to rectify my account. I do not believe it is appropriate that I should have to disclose my financial obligations with my employer and/or co-workers and I have informed Prestige of how uncomfortable this situation makes me. The response I obtained was that, this solution, for my employer and I to sign a payment agreement, is the only option I have to rectify my account. I continued to stress to the representative, that I was more than willing to give her ( XXXX ) my checking account information so they can pull the money straight out of my account but she is declining and forcing me to go through my employer. 

Since I felt I was left with no other options, I disclosed the information to my employer and of course they have refused to get involved in my financial discourse. I am being told that the only way they can do this is through a wage garnishment. To top it off I am completely XXXX at work because now everybody knows my financial difficulties and one of the attorneys, at my job, heckles me over not being able to pay my bills. It is my belief that Prestige Financial has a culture or tendency not to call back consumers or answer their phone calls, in order to allow the debt to increase out of control with interests and fees, in order for them to obtain financial benefit. All I am asking for is to be treated fairly by Prestige Financial and not to be taken advantage of.
Consumer complaint received 2016-08-04
Product: Credit card — 
Issue: Balance transfer — 
Company: U.S. BANCORP (OK)

In XXXX 2015 I opened a US Bank XXXX credit card with the zero percent balance transfer rate for 15 months. After the balance transfer and setting up automatic payments on the card I was charged interest every single month. I had to continually call to have the interest removed. Us Bank agreed it was their mistake and removed the charges as you can see from the attached file. The last three interest charges have not been removed, and when I call back they refuse to remove them, or one agent just hung up on me. I have my original card member agreement, and it states that I should get the rate as promised. This has been a terrible experience, and I am now forced to pay off the balance as of this date to avoid being overcharged every month in the future since US Bank has failed to honor their banking advertisement The charges are XXXX {$82.00} XXXX {$77.00} XXXX {$77.00} Us Bank stated that although I set up automatic payments, that they failed to credit the first payment on time. Once the first automatic payment has failed, they then begin charging interest in violation of the agreement. It appears that the failure of Us Bank automatic payments system is standard operating procedure to defraud people, and allow them to not honor the zero percent interest agreement. 

I filed a complaint with the better business bureau, and Us Bank did not address the failure of the automatic payment system, but instead attempted to put the blame on my by saying it went to collections, which of course was not the case. 

Enclosed is the original credit card agreement where they promised zero interest and failed to deliver as written. 

I was never late in paying them. I am never late in paying any credit card.
Consumer complaint received 2016-09-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America is forclosing on our home however XXXX is the company that we were working with on a loan modification. Once we questioned them as to how this could happen they sold our mortgage to selene. XXXX has refused to work with us and has added {$80000.00} in fees to our loan. Now saying that we do n't make enough to keep the house. How can they do this.
Consumer complaint received 2016-11-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

We have a short sale approval from Wells Fargo. The approval is valid to XX/XX/2016. The Approval specifies " You, as the seller, must advise your settlement agent that they must contact Wells Fargo Bank , N.A . no later than 48 hours before the scheduled closing date and provide a copy of the final HUD-1 Settlement Statement. '' Closing was scheduled on XXXX and I provided Wells Fargo the requested items on XX/XX/2016. These items were emailed to XXXXXXXXXXXX ' ; XXXXXXXXXXXX ' ; XXXXXXXXXXXX ; XXXXXXXXXXXX I contacted Wells Fargo on XX/XX/2016 XXXX inquire on the status - I did not receive a response. I contacted Wells Fargo again on XX/XX/2016 ( one day AFTER we planned to close ) Wells Fargo finally responded and requested the closing documents that I already sent XX/XX/2016. 
The buyer is very upset that this has been delayed and Wells Fargo failed to process the final closing documents efficiently and put the sale in jeopardy.
Consumer complaint received 2017-01-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MA)

I have a mortgage with Carrington mortgage services LLC and had an overage in my escrow account. I was behind on my mortgage so they would not return it to me ( the overage was about the same as I owed ) I just went through a loan mod so I am not behind anymore and the money is gone. I am told that they used the money in the mod because I was behind. I would n't of had to do a mod if they would have done that in the beginning. I asked why they did that I was under the impression that could n't be done. They put money in my FHA overage that I have to pay at the end of my loan. I asked for a breakdown of the money used and no one can give me one it 's over {$2200.00} and no one can show me where my money went. I did n't think a loan mod cost anything out of pocket until the end of the loan.
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I requested Experian to conduct an investigation on a XXXX XXXX XXXX account that appears in my credit file. I disputed the account as not mine. It is my belief that Experian did not conduct its investigation as required under 1681s-2 ( b ) of the FCRA. 
See : XXXX I am demanding that Experian provides to me the method and/or account-level documentation submitted by the furnisher of the alleged account used to verify it as my account.
Consumer complaint received 2016-09-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MD)

XX/XX/XXXX, we started getting in financial stress due to reduction in income. I contacted Wells Fargo, the holder of the mortgage on my home, to request loan modification. I was told that since I was not delinquent, nothing would be considered. Over the next few months, we got behind in our payments, and on XXXX XXXX, XXXX WF sent me a foreclosure referral letter. I applied in XXXX XXXX for mortgage assistance. What followed between XXXX XXXX and XX/XX/XXXX ( 18 months ) was a string of 27 written letters from WF, and numerous phone contacts between us. I was shuffled around with XXXX different WF employees. I submitted my paperwork three different times, as there would be lengthy delays in processing my request while personnel were replaced, necessitating resubmission of my information. XXXX appraisals were conducted as the first on became too old for WF to use. These lengthy delays caused my arrearage to increase dramatically. In XXXX XXXX, WF offered me a trial plan, but it required me to pay most of the accumulated arrearage up front, which by that time I could no longer afford to do. WF stated that the only option they had was to require repayment of most of the arrearage as they were restricted by the terms of the Mortgage Backed Pass Through Certificates trust they set up and administered. They stated that if they reamortized my loan, they would have to offer that to anyone else who was part of that particular trust, and they were not willing to do that. 
WF handling of my mortgage assistance application almost exactly parrallels their past misdeeds that resulted in the suit brought by the State of New York and other states, including Maryland, where a consent decree knows as the National Mortgage Settlement ( NMS ) was ordered by the US District Court, XXXX. In that Consent Decree, WF was required to respond to and process mortgage modification requests timely, modify loans reasonably, and prevent the accumulation of arrearages that made it impossible for homeowners to avoid foreclosure. In my case, WF violated nearly all the terms of the NMS Consent Decree. I was forced to apply for Chapter XXXX bankruptcy protection in XXXX XXXX to delay foreclosure sale by WF. The Bankruptcy Court is unable to order modification of my XXXX loan since it is on our primary residence. All I am trying to do is to reamortize the loan to incorporate the arrearage, even though the loan is XXXX % greater than the appraised value of the house, due to the housing crisis. If WF forecloses, they stand to lose more than {$700000.00} in arrearages and loss of value, yet they are inflexible. I have evidence of all the WF contacts over the last two and a half years. I have also filed a Complaint in the Circuit Court of XXXX County MD which is deferred pending conclusion of the Chapter XXXX Bankruptcy filing.
Consumer complaint received 2016-08-05
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (PA)

My sisters and I have Certificates of Deposit that were opened in our name by our grandmother. Both names are on the Account Verification statement provided by PNC Bank in XXXX, XXXX My grandmother has since passed away. My mother found the account statements XXXX day and we are trying to get access to the accounts. When we called PNC, they had no record of the account. They forwarded me to some PA State agency that also says they have no record of the account. As far as we know, PNC should still have this money, but somehow, they are unable to find anything regarding the account. This is a major problem.
Consumer complaint received 2016-07-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (AZ)

I signed up for a Citigold checking account in XXXX 2015. Included in this checking account was a sign-up offer for XXXX XXXX XXXX miles. I met all of the requirements for this offer within the required time period, and had this confirmed with a CSR. I was told that the miles would be given to me in XXXX. I contacted Citi multiple times due to the fact that the miles were never given to me. Every time, I was told an investigation would be opened and that I would be contacted within 2-3 business days. Every time, I was never contacted and the miles still have not been deposited.
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion will not remove the fraud alert from my credit report!!!! 
I DID NOT ASK TO HAVE A FRAUD ALERT PLACED ON MY CREDIT REPORT REMOVE THE FRAUD ALERT AND ALL ALERTS FROM MY REPORT XXXX Va XXXX SS # XXXX dob XX/XX/XXXX
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 is not mine
Company: ERC (GA)

Company claims i owe for XXXX but XXXX tells me ive never had a past due amount and i have XXXX XXXX service now, ive asked several times for this account to be validated and have been denied.