davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Back in XX/XX/XXXX, when we were on an XXXX, we were offered a home by XXXX XXXX on XX/XX/XXXX, and we bought the house paying a {$6000.00} deposit ( House was valued at {$160000.00} ). The loan was then taken over by Countrywide Loans ( CL ) and finally Bank of America ( BOA ), bought out Countrywide Loans, which went under. 
XX/XX/XXXX, I suffered a XXXX, caused due to a rear ending of my car by an errant driver, who had no Insurance. The illness caused the company ( XXXX XXXX , XXXX ) that I worked for, for almost 12 years, to lay me off on XX/XX/XXXX. Although unemployed with no means of income from the government ( due to my XXXX status then ), either in the form of XXXX or Unemployment, I continued payments on the house and in XX/XX/XXXX, I requested Bank of America to help me with a Loan Modification. The trial period of three months was also fulfilled but without a job I could n't afford it further and requested Bank of America to reconsider lowering the rate further for me to afford it. In the meantime a company called XXXX from XXXX, California, offered to help and ripped me of for {$1800.00}. 
Since then I have sent in XXXX XXXX prepaid envelopes of documents that the bank requested. Finally when I got a job on XX/XX/XXXX with XXXX , XXXX, I reached out to Bank of America, who once again dragged their feet on the issue making false accusation of incompleteness of documents, These documents were completed and sent to them with the help of their branch in XXXX. To make good my Loan with them, I saved and put down {$11000.00}, against the loan 's principal in XX/XX/XXXX 
Both of the previously mentioned companies took advantage of my status and did not pay me the prescribed wages for which they had filed for my employment. I have reported the matter of XXXX, in XX/XX/XXXX to the Department of Labor ( DOL ) and am still to get my back dues. Now that we are Permanent Residents, I have directly referred the XXXX XXXX having short paid me directly to the Texas Labor Commission. 
Bank of America kept dilly dallying the issue by claiming to be working on my loan modification and then coming up with fictitious claims that my application was incomplete. Now that the price of my home has improved, they are wanting to possess it by foreclosing on my property. 
All of the above has had a big toll on my health I beg you to please help me get this issue resolved. 
XXXX Email : XXXX XXXX
Consumer complaint received 2016-11-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I have a number of issues I 'm trying to get a response from the servicer, Ocwen. I just received a letter from Ocwen which is NOTHING MORE THAN ANOTHER GENERIC letter. This is there way of handling - just keep sending a copy of the modification and after awhile they will give up. NOT THIS PERSON. I will respond to their generic response separately. In the meantime, why are my monthly payments DIFFERENT EVERY MONTH? This was a loan mod with a fixed rate and I understand after the trial payments they need to do some financial adjustments but if I 'm not mistaken, after that the payments should be the same until the adjustment time - 5 years from now. Once again, they are moving the numbers back and forth and until I receive a COMPLETE ACCOUNTING, I will not stop. I work for a XXXX and know they can provide me with the numbers they used in the modification and I requested this. No surprise, I did not get it. Just makes me feel all the more they are hiding numbers.. Please request Ocwen provide me with the numbers I requested in my original letter and have them respond as to why the payment amounts since XX/XX/XXXX have been different EVERY month and I 'm supposed to have a fixed rate. 
Thank you
Consumer complaint received 2017-03-26
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (WY)

I applied American Express Platinum card on XX/XX/2016. At that time, American Express gave me open account bonus which was 100k Membership Reward ( MR ) point after spending 3000 . I satisfied this requirement on XX/XX/2016 and American Express posted 100k point into my account ; however, at same time, American Express frozen all my MR points ; even the points that I earns in the previous purchasing. American Express told me that they needed to review my account to make sure that all purchases meet qualifying criteria. I understand this and they said it will take 6-8 weeks. BUT, I have already waiting 15 weeks!! I called them many times and American Express just asked me to wait. I have traveling plan in XX/XX/XXXX and I am urgent to use MR points. But, right now, I can not transfer any points from it, even my previous points. They cause extremely inconvenience to me.
Consumer complaint received 2016-09-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America continues to state that the loan is behind. As recent as TODAY they told XXXX XXXX that the mortgage is behind and that they are charging her {$95.00} a day in interest. This follows a " claim '' by bank of America that a check in XXXX was dishonored. Despite a complaint with the CFPB, they have STILL not provided a shred of evidence that the check was dishonored. My bank has told me the check was NEVER PRESENTED. As a result of their LOSING THE CHECK, they attempted for the 3rd time in 4 years to fraudulently force the property into foreclosure. It was only a complaint to this bureau that resulted in them backing off their BLATANTLY ILLEGAL AND TERRORISTIC behavior. However, despite not providing ANY EVIDENCE whatsoever that the check was dishonored, they are harassing XXXX XXXX and me for payment of the fees they attached during the process. Despite stating in the previous complaint they would get back to us they have NEVER responded.
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After noticing fraudulent accounts and inquires on my credit reports, I filed an id theft report with the FTC after which I proceeded to call the companies individually and in some cases received help through this very site which I am EXTREMELY GRATEFUL for.Then, I called TRANSUNION and informed them i was a victim of identity theft and provided them with the FTC identity report number and also asked them to remove the fraudulent items immediately since they are ruining my credit.I also called and faxed supporting documents after which they informed me that they will remove all of the fraudulent items within 24hrs.That was almost a week ago!! These credit bureaus need to be regulated more closely in my opinion because all they seem to do is make things harder for the victims and easier for the perpetrators!! I contacted all XXXX credit bureaus in the same day and so far ONLY XXXX corrected the issues, TRANSUNION and XXXX seem to be helping the defrauders more than the victims.I would like someone to EXPLAIN TO ME why is it that when a fraudulent inquiry is applied to my CR 's immediately and it takes 30 + days to remove even though a fraud allert is posted on all XXXX Credit bureaus? if it 's posted instantly it should be removed instantly.While US, the victims are required to spend countless hours and provide countless proof, and to add insult to injury still have to wait a month+, for all these lazy credit bureaus to finish their so called " investigation '' the crooks are free to keep on going with their fraud virtually undetected!!!
Consumer complaint received 2016-10-17
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

Someone stole my information and open an XXXX account, they receive the funds. My XXXX account was close do to this problem of balance check and Identity Theft. I do not know how this happen I explain this to the XXXX at the time I realize there was a problem with my account. I have dispute this account with Midland Funding several times and they refuse to move this off my credit report. I have open an Identity Theft Report the number is XXXX with XXXX County. The Midland Funding account is XXXX.
Consumer complaint received 2016-06-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY (CO)

I called Wells Fargo to see if I could get a loan modification to reduce my monthly student loan payment. They told me that I would not qualify for a modification because my co-signer and I together make too much money. They told me my only other option is to go do forbearance. I do not want forbearance, I would like a more affordable monthly payment.
Consumer complaint received 2017-03-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I was charged approx XXXX overdraft fees, totaling roughly {$1500.00} I was not informed of this and was not given a chance to remedy, and want this money refunded. I was charged approx XXXX service fees, totaling roughly {$900.00} was not informed of this and was not given a chance to remedy, and want this money refunded. Customer Service refuses to work with me and has threatened additional fees if i close and give my business elsewhere. 

My goal is to get 100 % of my overdraft fees and 100 % service fees refunded.
Consumer complaint received 2016-06-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (TX)

XX/XX/2016, I Unsubscribed from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Since then, Diversified Consultants has contacted me several times during which I explained that I had already unsubscribed prior to the last billing statement ; and the XXXX XXXX Representative told me I DID NOT OWE anything further when I returned their modem in XXXX XXXX, Texas. Since then, Diversified has attempted to call me many other times while USING XXXX XXXX as their phone ID. I 've spoken to at least 4 of their calls ; and have since blocked their calls ; but they continue to harass me. The number last used is ... XXXX.
Consumer complaint received 2017-01-12
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY ()

On XX/XX/XXXX I had over XXXX worth of XXXX on my AMEX account. On the same day AMEX took an unathorized payment of XXXX to pay off the fraud balance. This was withdrawn electronically from my bank account. I have been trying since XX/XX/XXXX to receive the money back. AMEX will not refund it via ACH since it is not XXXX XXXX. It is now XX/XX/XXXX and they still have not refunded teh money, continue to have my address wrong, I live in the XXXX, and have been Not find a solution. This was an unauthorized drafting of funds acknoweldge by them but they will not refund the money so I can get it.
Consumer complaint received 2016-11-13
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (CA)

I signed up with XXXX on the internet to receive recipes. I thought it was {$9.00} per year. The ad did not specify the time period. After the initial trial period they started billing my credit card {$9.00} per month. I called my credit card company, American Express and opened a dispute. I canceled the subscription on XXXX XXXX, 2016. American Express told me on XXXX XXXX and XXXX XXXX that a merchant block had been placed on my account. This company refuses to honor my cancellation and continues to bill my American Express card. I have contacted American Express who says that do n't know why or how the company continues to bill me. The latest charge was XXXX/XXXX/2016, completely unauthorized. I spoke with American Express again on XXXX XXXX, 2016. They told me there was a block on my card but the merchant can bill me anyway. Something must be done about this company.
Consumer complaint received 2017-03-26
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (CA)

American Express needs to refund me with a charge for which I did not receive acceptable service. The American Express 's internal dispute system is not working properly, customers ' disputes just disappear after a customer wasted a lot of time on filing. So I file a dispute here instead. 
I dispute a transaction of {$31.00} from XXXX as of XX/XX/XXXX. The service was scheduled to be rendered to me on XX/XX/XXXX, but instead I was humiliated by the service provider. So I need a refund regardless of what XXXX offers - they just want me to accept XXXX credit, so basically XXXX is trying to upsell on me. I also claimed the refund from the service provider itself - XXXX, but they disregarded.
Consumer complaint received 2016-10-17
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY (TN)

Received letter from Wells Fargo thanking me for opening a credit card account with them. The letter also included a copy of my XXXX credit score. 

However-at no such time in the past nor present have I ever requested and/or applied for a Wells Fargo credit card.
Consumer complaint received 2016-07-08
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (MN)

The " My Macy 's '' credit card charges a {$2.00} " minimum interest '' fee each month, even when the balance has been completely paid off, there are no new charges and the balance would otherwise be XXXX. I was charged this fee three months ( XXXX ) in a row, on a XXXX balance, before I finally called to complain. The Macy 's representative 's explanation was, " the fee is for interest carried over from before the balance is paid. '' But there had been no balance for three months. And a fee of {$2.00} could n't be an prorated daily interest charge because such a number would not be so even or the same each month. When asked why an interest fee would be charged with no balance, the representative simply said, " We are happy to refund the fee to you. '' They even have an option on their automated phone messages, asking if you are calling about the fee. If you press the number for that option, they recorded message says they will refund the fee as a courtesy, but the fee is for " carried over interest. '' Perhaps, I 'm not understanding how interest is calculated on credit cards, but I do n't think any interest or fee can be charged if you pay the balance before the due date. Their complete lack of substantive defense to the question, and automated refund, leads me to think that they know it 's a scam and are probably charging many people this fee for no reason.
Consumer complaint received 2016-08-31
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENOVA INTERNATIONAL, INC. (CA)

On XXXX XXXX, 2016 I took out a loan of {$2600.00} from CASH NET USA with a payment of {$450.00} per month and an interest rate of 185.76 %. I am retired, XXXX years old and on a fixed income. I can no longer make these high payments. I have attempted three times to set up a payment plan with CASH NET USA and they have refused to work with me. 
I borrowed {$2600.00}, have paid {$910.00} to date and my balance as of XXXX/XXXX/16 is {$3100.00}. 
I am asking for a payment plan that calls for a payment of {$50.00} per month with no further accrual of interest. I will then be able to pay the account off over a series of months. 
Please intervene for me to set up a payment plan that I can afford. 

Thank you for your assistance.
Consumer complaint received 2016-06-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

I am disputing the current Principal Balance due on my Mortgage with PennyMac. They claim it is {$9700.00}. The correct amount is {$8600.00}. I am also disputing the XX/XX/XXXX Principal and Interest breakdown on my current bill. They did not apply a Principle Reduction Payment correctly in XX/XX/XXXX and are using illegal accounting practices to pretend the payment did not exist for 40 days.
Consumer complaint received 2016-10-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX {$430.00}, This account was paid in full by insurance, yet the Collection Agency never validated this information, nor provided proof to me that they did. 
Per the FCRA Section 809, the Collection Agency never validated this debt to see that it was legitimate, nor did they provide proof that they Contacted XXXX XXXX XXXX XXXX to see if they paid the claim, like they did I would like this account removed from my Experian Credit Report
Consumer complaint received 2016-10-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Vantage Sourcing, LLC (CA)

Vantage sources sent a form in the mail with an attempt to collect over {$700.00} from a XXXX account I suspended a few months back. The debt collectors claimed to file a law suit if I did not pay the money back within 30 days. I suspended the billing on the account the same month I had already paid the first bill. I should not owe these debt collectors and I confirmed with XXXX that I do not owe any sum of money to them personally.
Consumer complaint received 2016-10-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Louisiana Recovery Services Inc. (LA)

There are XXXX accounts that are mine and i would like for the credit bureaus to delete this information from my reports. The accounts number are listed as # XXXX under Louisiana Recovery Services. Paid in the amount of {$210.00} and {$37.00}.
Consumer complaint received 2016-10-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I am facing a foreclosure sale by my mortgage lender Bank of America. I have gone through major hardship the last few years and was hopeful that they would negotiate with me fairly, but instead they have ignored my repeated requests for assistance. I am a single mother raising XXXX boys and this is a bank that received billions of dollars in bailout money from the government. This is not right. 

I bought my home in XXXX. At the time my husband worked full time and was the primary source of money. I worked several part time jobs. Not long after I bought our house my husband was arrested and went to jail. I suddenly had to not only raise the children but was the sole source of income. I was able to make ends meet for one year, then I lost XXXX of my XXXX part time jobs. My husband was released from jail but was XXXX, and I was in desperate need of help. I fell behind on my mortgage first in XXXX and tried to get Bank of America to work with me but could not make any progress. I did not give up and was able to find new work and somehow balance this with taking care of my boys. I eventually came up with {$17000.00} and paid this money to Bank of America so that I could get back into good standing with them. They gladly accepted this money. I told them that I needed help with my mortgage because there was no husband helping with the bills anymore and that I was barely making ends meet. Since I had paid and gotten caught up Bank of America did not care to help me. 

I ran into more problems with my employment and once again could not afford the payment and fell behind. I applied for a modification from Bank of America but could not make any progress. I called in many times and it seemed like all I did was play phone tag with the people there. They were not serious about helping me and I spent so much time trying to fix this issue but nothing came of it. 

I am very worried because they are now trying to sell my house at auction. I have a good job at the XXXX and they are increasing my hours. I can afford a reasonable payment if Bank of America would give me a chance and be reasonable, but instead they ignore me. When things were tough I did not give up, I got new jobs and worked hard to pay back Bank of America. I told them I needed help but they ignored me. I do not want to lose my home, I have XXXX boys to take care of and I fit into the rules for these government programs. If Bank of America would take the time to review my information they would know this.
Consumer complaint received 2016-11-14
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I cancelled my Bank of America card and paid off my balance, but they still charged me a monthly fee for their Privacy Assist service after I had closed the account. I did not realize they had done this, and so I ended up with a past due balance on an account I thought I had closed successfully. They then reported this as a delinquency on my credit report ( for a balance of {$12.00} ), which then resulted in my credit score decreasing significantly ( again, all over a balance of {$12.00} ). This came to may attention because I had applied to refinance my mortgage, and was n't able to do so because of this {$12.00} delinquency ( which had in the meantime snowballed to a total of {$20.00} with fees ). I contacted BofA and was unsuccessful in convincing them to reverse these charges, but they said as long as I paid off the full {$20.00} balance they would reverse the delinquency. I did so over the phone. A few days later, they still charged me another {$1.00} interest charge ( again on an account which I thought I closed, and thought I finally paid off in full via the phone payment ). So the account still has a balance and I have to make yet another payment, on an account which I have been trying to close, because of a service which BofA sold me and I did not even use once but had been paying for for years ( shame on me for not cancelling the account sooner ). And they still have not reversed the delinquency on my credit report because I owed this {$1.00}, so I am still unable to proceed with my mortgage refinancing until I pay them the {$1.00} and the correction to my credit report is finally made. All over a {$12.00} charge on a closed Bank of America account, from another Bank of America service! I would have expected that the Privacy Assist " service '' should not have been able to successfully process a charge on a closed account! And I believe that had the service not been a BofA service, BofA would not have allowed a charge to go through on a closed account. It is only because this is one of their services, that they allowed this situation to happen in the first place - and that 's not right.
Consumer complaint received 2016-11-11
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NV)

I have been scam on a XXXX scam. I was selling my guitar for {$200.00}. A person contacted me said his name was XXXX and wanted buy my guitar. He sent me a Cashiers Check for {$1400.00} saying the extra money was for his movers. He requested I send the extra money {$1200.00} to his movers via XXXX. He had me send it to XXXX Maryland XXXX. XXXX number he was texting me on is XXXX.