davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-19
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Today, XXXX XXXX, XXXX XXXX people came to my home and refused to leave after I informed them they were trespassing and loitering. Not only did they not immediately remove themselves from my property, the adult male proceeded to walk around the exterior of my house and peek through my windows, a classic peeping tom move, and contined to jiggle my door knob trying to open my front door. These are the same XXXX of the XXXX people who came to my home on XXXX XXXX, XXXX. I told these XXXX to leave and not to come back. After the adult male told me I have to leave ( meaning I must vacate the property ), I told him if they believe they have a right to place themselves on this property to take the matter up in California XXXX Court, but to cease and desist bothering me about it by coming to my home harassing me. I have made it clear to these people I have nothing more to say to them and anything they may have to say to me is most appropriately said in court, not on my porch. 

XXXX ) Invasion of Privacy. 

Bank of America has caused all manner of folk to come onto my property since the unlawful recording of the Notice of Default of XXXX XXXX, XXXX as dual tracking is prohibited since the modification process has not yet been completed. And now I am being told to get out of my own home. 

All previously mentioned resolutions are desired and mandatory.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (PA)

I get harassed all the time even when I 'm in school or deferred from XXXX..to evening..I owe a XXXX dollars now it 's a never ending struggle.I just want an end to this never ending cycle.with no help at all
Consumer complaint received 2015-08-18
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Dynamic Recovery Solutions, LLC (TX)

This collector is attempting to collect on a debt that is time barred and past the statute of limitations. I have n't been known by that last name in over 7 years. The account is no longer reported on my credit profile and is considered time barred. No validation and or authorization to contact me has been provided. TIME-BARRED DEBTSA new practice has arisen in the debt collection industry. Old, charged off debt is packaged and sold to other financial entities for as little as a penny or less for a dollar of old debt. These debts are old and often barred by the statute of limitations which limits the period of time during which a lawsuit may be filed to collect the debt. 
Thus, a time-barred debt is XXXX which can no longer be collected by legal means due to the passage of time, e.g. - - lawsuits, wage garnishment, liens on real estate, etc. These buyers of old debts are " debt collectors '' covered by the Fair Debt Collection Practices Act.
Consumer complaint received 2016-10-04
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCS, Inc (OR)

Debt collector " NCS , Inc., dba Noll Collection Service '' made misleading statements to me. First, they stated that medical debt is not discharged in a Chapter XXXX. This statement is false, and can be verified through legal research on your behalf. Second, I asked debt collector for a letter of the terms we discussed before payment. Debt collector tried to solicit, via email, a confession of judgment form. Debt collector tried to pass off a legal document as not legal process, which violates the FCDPA. Third, debt collector tried to increase the cost of the debt by collection on a fee for processing payments online. This attempt to collect debt beyond what was originally stated in the agreement creating the debt, and also violates the FCDPA.
Consumer complaint received 2017-02-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (PA)

I called Bayview Loan Servicing to get foreclosure information. The assest manager told me to lock up and leave my house because the sheriff is coming at any time. I do n't have any mail indicating a sheriff 's sale. He told me that I did n't want my house because I have n't paid. He told me that there 's no one else that I can speak with because he 's the assest manager. Bayview took ownership of my home while I was living in another country in 2015 and they completed the paperwork incorrectly. PA is a notary state. I could n't get the document notarized because I lived in another country and they placed that document in my paperwork when they took over the loan and it was signed by someone else with another property listed.
Consumer complaint received 2017-01-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I had an auto loan with Bank of America. That auto loan was fully paid-off in XXXX of 2016 -- no dispute on that fact. 
In XXXX we have an " electronic title '' system, where once a lien is fully paid-off, the lender ( BofA in this case ) is obligated to then release the title to the State of XXXX, who then ensures that the XXXX DMV has a record of the title being free of encumbrances. At that point, as the owner of the vehicle ( free and clear ), I am supposed to be able to go process a sale of my car with little effort, again, since the XXXX DMV should now have the clear title in their systems, ready for transfer. 
It turns out that for whatever reason in my case BofA failed to release the title. The XXXX DMV still shows the lien recorded against it, and BofA, when contacted admitted " Oh, yes, we can see that the release was never completed. '' The problem I am facing is that I am moving from XXXX to XXXX next week, and as part of that process it is essential that I sell my car ... i can no longer do that because I do n't have the title. And because BofA will take 7-10 business days to process the release ( again, a release that they were supposed to process 9+ months ago ), and the XXXX systems take 7-10 business days of their own to update once the release is received form the bank, I am left to wait out approximately a month before I will have access to the title I should have access to today. 
The impact for me is that I guess I will need to reschedule my movers, my home sale and my transportation across the country -- seemingly thousands of dollars of impact. And thus far the response from BofA has been " yeah, sorry about that. '' In particular, I took note of the comment from the Customer Service Supervisor when I was asking how this could have happened in the first place and why the bank never caught the problem until I called. He told me " we do n't have any process to check if the release actually occurs. And we do n't have any staff that is assigned to follow-up on that. '' They actually just wait for their clients to catch it and then it is our responsibility to follow-up, figure out what has happened, and in my case at least, be left with the huge financial impact of their failure. That seems like a massive failure of internal policy -- I am not sure how it is even possible this is legal -- they are single-handedly denying me the ability to dispose of my property. Is n't that theft? 
What a joke.
Consumer complaint received 2017-01-19
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lockhart, Morris & Montgomery Inc. (FL)

I was approached by a member of XXXX XXXX XXXX team. I was rushed into applying for a loan to pay for the materials used for the program. When I decided to cancel, I was told it was too late. Even though I was told that the contract was n't binding until after I took and passed the first exam. So after I asked for a cancellation, three monthly payments was taken out of my bank within a 5 week period. So i shut down the account. I received a phone call from Lockhart, Morriss, and Montgomery saying that i owed this debt for {$6500.00}. After that conversation I contacted my Attorney General, and the Attorney General in Indiana. I am currently in contact with them now. But when I Looked over my credit report, the original lender is said to be XXXX XXXX XXXX. I called these people and was told they had no information concerning a loan with me. This prompted me to pull up the application. On the application page XXXX it says the Lender of the loan is XXXX. I called the office listed on the application. I was told there was no loan given to XXXX on my behalf and that I should contact legal services. I am fully aware of the class actions law suits against XXXX. I have been place in a mediator service through the Indiana Attorney General department with XXXX XXXX XXXX. This is my last resort before contacting legal services.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA (NY)

I entered into a forbearance in or around XXXX XXXX XXXX as i needed to resubmit my recertify for my ibr. After XXXX attempts to get my application to them i was to be told in XXXX XXXX they never received it. Until this time i was not notified they never received an ibr or a me. I had talked to someone in XXXX entetring into a forbearance, until my ibr was approved. So in XXXX the Fed loan placed a 120-150 day late updste on my credit report ruining my credit. Even if i was late, which i wss not, it still would not have been 120-150 days late as the forbearance was for 3 months. I also never received any letters or phone calls to notify me that i was supposedly late until XXXX XXXX which i returned the phone call back to them. At that time i informed the man that i filied for a recaluation of my payment XXXX diffetent times. Plus a forbearance of 3 months in order to prevent it going delinquent. This place is ridiculous on not receiving paperwork or claiming to not have a record.of my phone call. I beleive i talked to them on XXXX, XXXX and XXXX XXXX XXXX.
Consumer complaint received 2016-10-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OH)

We have subpoena records from Ocwen Loan co for all their internal emails BC I did a deposition for a whistle blower case out of Texas and they are not responding to my lawyers request ... we are now in active foreclosure pending a sale date BC of this place they are not responding BC the particular email we subpoena has them laughing and joking and making fun of us..this place is ruining families lives and you just keep letting them
Consumer complaint received 2015-08-17
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

They are attempting to collect a debt that is over seven years old, since I 've last used the credit card. They are also still adding interest to this out of statute & aged debt as well as falsely reporting it as a new or current debt to the XXXX major credit reporting agencies every month. XXXX XXXX XXXX. should no longer be reporting anything to my credit bureau after seven years. They still are. They are also reporting the last activity date in 2015, unfair collection activity. Scare tactics by purposely trying to impact my current credit rating. More of the same acts they have been sued over on multiple occasions. They are a 3rd party collection agency who has also failed to send me my original contract & signature of the debt they purchased.
Consumer complaint received 2016-05-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

My husband and I had a mortgage loan with XXXX and a XXXX mortgage with CCO Mortgage. We were in our home ten years and was never late on a payment, not once. I was laid off my job of 21 years and asked over an over again to refinance. I was told no by XXXX. During this time the payment went up over XXXX dollars because of the type of loan. That is one of the reasons we wanted to refinance the loan before this happened. We were also told you have never missed a payment so they are not going to help you refinance. We used all of our savings to keep things current. We tried next to do a modification and was told the same thing. Once they realized we were going ahead with the modification the loan was sold to XXXX, than the problems really began. I started back working at half the salary so it was hard catching up. While processing the modification XXXX continued to say they either did not receive documents or they needed them again. This happed every time we would send the documentation, they would say it was received to turn around and say they did not have it. This went on for over a year before they finally said no to the modification. We decided to do a short sell on the home. We have had XXXX offers. One was XXXX XXXX short of what they wanted so they said no. The second was a cash offer for more than what they asked. CCO would not agree to the short sale and kept things in limbo, meanwhile they stated they did not care if we foreclosed on the home or filed bankruptcy. The couple buying the home needed to close soon because she had XXXX. CCO would not agree with any option that was put out there so the couple found another home. The next day CCO called and said they would agree after we made a complaint but it was to late. A week later we received a third offer for over the amount asked. The persons buying the home ask if they can close as soon as possible ( within 45 days ) because they are closing on their home. Now XXXX continues to drag and now decided they want more money. How can you keep doing this. It is as if they do n't want to really sell the home. This has gone on now for a year and a half and is affecting my health. They have not returned my calls and know that the family wants to close soon. I am not sure what to do next. We had excellent credit and always say our bills. We would like to sell the home so that we can move on. We do not want it to go the house to go into foreclosure. I will be looking for a lawyer tomorrow.
Consumer complaint received 2017-02-24
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Weinman Acquisition Group (VA)

I took out a payday loan from XXXX, paid regularly until i got behind, the debt went to a collection agency, i paid the amount in full, i paid a total of {$810.00} on a {$300.00} loan in 2013, have the receipts, if anything they owe me money. For the last 3 years, several agencies representing XXXX have threatened arrests and lawsuits, the last collection agency was weinman acquisition, this agency stated they were a county tax office trying to deliver or fax documents, i called XXXX, the representative never identified it was a collection agency or stated this was an attempt to collect a debt, look up some info on the internet apparently this company makes these illegal calls regularly, they left a message on my phone which i have saved for my records
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TX)

The amount for repayment will be a very high amount that I will not be able to afford. I am currently in deferrement with my loan due to being in school but is projected to start paying on the loan in XX/XX/2020.
Consumer complaint received 2017-01-19
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is a supplemental complaint ( in reference to CFPB complaint number XXXX ). I just received an email from Bank of America asking me to settle the debt again. This debt was supposed to already be settled, and now this company while reporting that they are looking into the inconsistencies of my account and requesting a 60-day extension they are trying to settle the debt a second time for the remaining amount that was already settled. 

This company completely disregarded my concerns and my initial complaint and attempted a round-about way to try and obtain more money from me, money for the difference in amount of the first settlement. Additionally, this company charged off my account - after settlement for {$3800.00} less than what was previously owed. Now they are trying to settle the settlement difference, while my account is still charged-off and negatively impacting my credit score unjustly. 

My credit report shows that this bank credit card account closed on XXXX XXXX, XXXX as part of a telephone conversation with a collection agency to settle the debt. They offered a payment of settlement and assured that the debt was be paid in full. I now see that it was n't and that this particular bank has also misstated inconsistent statements across a few reporting agencies. I have found that with XXXX they show that I made no payments from XXXX XXXX to XXXX XXXX, and my account magically went into good standing XXXX XXXX and up to XXXX XXXX, until I was " delinquent '' again and charged off XXXX XXXX. 

However with XXXX it shows that this account was closed XXXX XXXX ( consistent with settlement talks ), but the last payment received was XXXX XXXX. This is highly inconsistent with what they reported to XXXX. I am also wondering how payments and delinquencies can be made on a closed account dated before additional changes were made to the account.
Consumer complaint received 2016-11-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

I am concerned that my loan servicing company SPS ( Select Portfolio Servicing, inc. ) is purposely delaying my loan modification process in order to prevent me from qualifying for the program before it ends in XX/XX/XXXX. I have repeatedly been told that my application is incomplete and asked to provide information that was already provided. They do not notify me that documentations are needed at the time, I have to follow up regarding status only to find that it is on hold because they are awaiting information ( generally that they already received. ) They are also now requesting that I produce a " new '' rental agreement for a XXXX property I own to prove income. I showed them the original lease that clearly shows a switch to month-to-month tenancy after it expires. The same tenant has occupied the residence for years and it is not reasonable to ask him and HUD to execute a new agreement since we already have an implied month-to-month per the original lease. HUD ( which is a government agency ) accepts this as an agreement and pays us based on it. In addition, the servicer has my tax returns and bank statements that clearly show the rental income ( which is at a loss so has no bearing on the loan modification. ) In addition to documentation from HUD with the breakdown of what they pay and what the tenant pays which can be verified by tax returns and bank statements. This is a clear and sufficient paper trail but they are staying it is not because the lease eludes to a new written agreement. Reverting to month-to-month tenancy after lease expiration is standard practice in the industry and the document is worded accordingly. In addition, this is a legal real estate document provided by XXXX so we can concur that it is worded to be enforceable by law. This modification was started over 4 months ago and is being held up for frivolous reasons. I have also only just learned that the program shuts off in XX/XX/XXXX so if my application is not complete by this date that I will not be eligible.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (OH)

I have loans with XXXX XXXX now Navient. I was told by customer service reps that the only option when I was unable to make my full payment was to take forbearance when I graduated from school and unable to get a job making enough to cover the payment and my living expenses. A few years later during the recession I was laid off and unable to make payments. I was basically told too bad I should borrow money from family or decrease my living expenses by XXXX XXXX employees. My payments were over XXXX of my take home pay. My balance has since ballooned to double what I originally borrowed. I feel as though I 'll never rid myself of these loans and am still digging out from the damage missed payments have done to my credit due to predatory lending and practices.
Consumer complaint received 2017-01-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (SC)

I currently have accounts with BBVA Compass that are frozen : They are : XXXX CHECKING balance {$1500.00} XXXX SAVINGS balance {$3000.00} XXXX SAVINGS balance {$25.00} XXXX CHECKING balance {$22.00} CLEAR CHECK balance {$4100.00} ( pending dispute resolution ) I have requested that accounts be closed. Please advise why accounts without pending dispute resolution cant be closed, or at very least the approximately {$1700.00} that is not due to provisional credit be made available. Again was placed on hold for more than 2.0 hours this evening. My money has been held for more than 90 days and just in the last 2 days over 6 hours on hold, no resolution. PLEASE HELP, or I will have no choice but to seek legal assistance. 
It is my understanding that
Consumer complaint received 2016-09-22
Product: Credit card — 
Issue: Billing statement — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I have not been consistently receiving my credit card statements from Regions Bank. I have received the following statements in 2016 : XXXX XXXX 2016, XXXX 2016, XXXX 2016, XXXX 2016. The only time I have received statements after the XXXX 2016 statement is when I called Regions to complain. I would get the next months statement and then no statements after until I called. Regions continually said they were mailed to my current address and verified with me my address. Finally someone at Regions ( XXXX XXXX ) discovered my statements were being mailed to an address I used a long time ago. In fact I have moved twice since using that address. The problem was in Regions system as I had not authorized that my statements go back to that address. I also can not sign up to view my account online as Regions has a problem with the online system. The online system will not let credit card only customers to sign up for an account. My identity could be potentially compromised due to Regions error in sending my statements to a wrong address. Also I think Regions should refund me any late fees for the months I did not receive a statement and provide me a copy of all of my 2016 statements and where they were mailed too.