davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-05
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: PENTAGON FEDERAL CREDIT UNION (TX)

My chief complaint is Pentagon Federal Credit Union is in breach of contract for changing their policy on the criteria for removing Private Mortgage Insurance ( PMI ) that was explicitly agreed to at the time of closing on the loan. The Credit Union is changing the terms of the agreement for removing PMI in its favor now that I am finally eligible to remove PMI. 

At closing Pentagon Federal Credit Union provided a document titled ( enclosed ) : " WHAT YOU NEED TO KNOW ABOUT OUR SERVICING OF YOUR MORTGAGE '' In this document, the following policy was stipulated for removing PMI : " PRIVATE MORTGAGE INSURANCE Private Mortgage Insurance ( PMI ) protects PenFed against the risk of loss should a mortgage loan default. PMI is required when the outstanding principal balance of the loan is greater than 80 % of the value of the property securing the loan. The homeowners Protection Act XXXX requires PenFed to provide certain disclosures and notices. The PMI Act requires PenFed to Automatically terminate PMI when the loan to value is scheduled to reach 78 % of the property 's original value, as long as the loan is current. The PMI Act also allows you the option to request PMI be cancelled when the loan value reaches 80 % provided you have a good payment history and the property value has not declined. PMI can also be cancelled after XXXX month if the loan to value reaches 80 % of the " current value. '' In order to cancel PMI based on " current value '' a new appraisal is required. The expense of the appraisal is the borrower 's responsibility. '' ADDITIONAL FACTS : On XXXX XXXX, XXXX, I purchased my primary residence with PenFed as the lender ( enclosed ). 

On XXXX XXXX, XXXX, I sent an email to Pentagon Federal Credit Union to request an appraisal on my primary residence for the purposes of removing PMI from my exiting mortgage ( enclosed ). 

On XXXX XXXX, XXXX, the Pen Fed representative sent a reply email, indicating a 75 % loan to value was required to remove PMI instead of the 80 % agreed to at the time of closing ( enclosed ). 

My Primary Residence : Original Value = {$270000.00} ( enclosed ) Appraised Value on XXXX/XXXX/XXXX = {$330000.00} ( enclosed ) PenFed was the original lender. No refinances were done. A conventional loan was used. This was not a higher risk of default loan. I never received a new Policy from PendFed regarding changes to removing PMI.
Consumer complaint received 2016-09-07
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (OH)

I applied for an American Express Platinum card on XXXX/XXXX/2016, with a bonus of XXXX points attached to the account. I tried to meet the spending requirement of this card by using it to make big upcoming purchases, such as airline fees, dental services, and prescription for my health issues at my local store ( e.g., XXXX XXXX ). I met all of the requirements, and the bonus posted on XXXX/XXXX/2016. However, my points got retracted on XXXX/XXXX/2016. When I called customer service to ask for the reason, I was informed that there was a " misuse '' of points and some purchases were not qualified for the minimum spending requirement. 
First of all, I do not understand what it means by " misusing '' points, as I have never used any single point in my account. Second of all, I am not exactly sure why American Express thought it was a good idea to post my bonus point 3 months ago ( which obviously indicated that I had met all of the requirements ) only to take back all of those points today. This is misleading to customers, and I think that American Express is doing this on purpose in order to bait customers into using their cards without having to give them any points. If some of my purchases were not qualified, then why would the bonus points got posted? If I had known that some of my purchases were not qualified, then I would have used my card more in order to meet the minimum spending requirement. 
I went overseas for a couple of months in the summer, and was not able to use the card. If I had known about this, I would have made more purchases before I left in order to receive the bonus.
Consumer complaint received 2016-04-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

account taken over and breach of contract, with eLigible baLance kept after cLosing acount, ruLes that no charges on the account in event of IDtheft, but was ignored and impLied my family maybe invoLved? plus gave it to third party!
Consumer complaint received 2016-07-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (FL)

Ditech took over servicing from Greentree. They did a refi under Harp on my loan # XXXX on XXXX XXXX. On XXXX XXXX they debited my escrow account for the balance owed to me ( {$2000.00} ) because the new loan did not require an escrow. The payment never arrived and during two weeks they kept saying that the check was in the mail and finally XX/XX/XXXX they said that it was probably lost and that I should wait 30 days from XXXX XXXX to request a replacement check.. which I did on XXXX XXXX. At the time they did not say that they had not mailed any of the refi related checks because " the other Company '' did not print them. I found this out after ward on XXXX XXXX when I spoke to a supervisor and asked about the status of ny refund. She told me about the mess and that they were working on the checks that should have been issued in XX/XX/XXXX and that mine would not be reissued until Saturday XXXX XXXX Bottom line : They lied to me and everybody else for three weeks XX/XX/XXXX Did not issue escrow balance refund checks as per closing agreement. 
I told them that I want my check delivered to me not later than Friday, XXXX XXXX. 
Conclusion : Their " error '' can not be justified. I need my money. 
Thank you for your assistance. You helped me before when the Company was " Greentree ''. I believe that they are just as bad. Their customer service letters arrive unsigned within two weeks acknowledging receipt of my complaint and stating that " they are working on it '' Thank you once again!!!!!!!!!!!!!! 

Note : This incident did not happen during the application process, the loan closed normally on XXXX XXXX, 2016. I could not find any of the choices that you offered on your website suitable for this problem.
Consumer complaint received 2016-11-16
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America failed to pay debt promised when I purchased their Credit Protection product for my credit card. In addition, upon submitting my initial claim they increased the Finance Charge on the balance due from a variable 3.99 % -12.99 % to a fixed 24.99 % therefore effectively making any payment they made under their Credit Protection Plan to my account useless in terms of reducing the balance due on my account. Furthermore according to the order from the Consumer Financial Protection Bureau, they failed to reduce the balance due by the amount they charged in fees for their Credit Protection Plan and credit my account the total of those fees. Lastly, they are incorrectly reporting the amount of the initial credit limit to the XXXX major credit bureaus as well as the date of the initial past due amount which causes the statue of limitations to extend past the time allowed under the law for which state I live.
Consumer complaint received 2016-06-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (AZ)

This complaint is being filed against American Express Corporation 's handling of my account during the transition from AmEx 's XXXX True Earnings card to XXXX XXXX 's XXXX card. To effect the transition AmEx was to transfer the accounts to XXXX XXXX. On XXXX XXXX AmEx sent a letter that my account would not be transferred and I would be issued an XXXX XXXX card from AmEx instead. No reason was given for not transferring the account. ( Copy of XXXX AmEx letter attached. ) XXXX confirmed that the account had not been transferred. Contacted AmEx and was initially told that XXXX had refused to accept my account. When I asked for documentation from AmEx that XXXX rejected my account, the response was that the documentation had to be subpoenaed. Re-contacted XXXX who vehemently denied that the account was rejected. Called AmEx back only to be told by another AmEx employee that the transfer was not rejected by XXXX and that AmEx wanted to keep their " high value '' customers and unilaterally made the decision to not transfer those accounts to XXXX. 
The result has been an AmEx credit card that we do not need or want. FICO score will be decreased if the card is cancelled. We do not have a Visa card, so now we must apply for yet another card to access our XXXX membership. Again, a decrease in FICO score. 
The fact that AmEx never did reveal the real reason the account was not transferred and then attempted to provide erroneous information as to the reasons why leads one to the conclusion that this could be a " gray '' area in consumer financial protection. The bottom line is that AmEx eliminated my options without my permission, This appears to be a violation of the Fair Credit Reporting Act.
Consumer complaint received 2017-03-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF THE WEST (CA)

I applied for a condo mortgage for a vacation property at Bank of the West through a loan broker named XXXX in their XXXX, CA office ( XXXX ). He assured me he had gotten loans approved at the exact same complex very recently. The condo association lists itself as a " condo hotel '' association rather than a vacation condo complex, and I had already had a loan fall through at a normal residential property rate with a different lender, because the " condo hotel '' association was viewed as a rental property rather than a vacation property, I insisted with XXXX that I would not spend money on another ( second ) home appraisal unless I had his assurance that I would get the loan, barring any issues unrelated to its being a condo hotel. He assured me he had just gotten a loan approved at the complex, and it should be no problem. He locked my rate at a very attractive rate ( 4.25 % ) based on my opening up XXXX bank accounts with Bank of the West, and I went ahead with the appraisal based on his assurance that I would get the loan. Bank of the West charged me {$650.00} for the appraisal, and at the end of the loan review process, the bank denied the loan for the exact same reason - that it was a condo hotel association, and they were treating it as a rental property rather than a vacation home. Understandably unhappy with XXXX for leading me on and costing me {$650.00} for nothing, I insisted he make it right and refund my money, but he did not. They cheated me out of {$650.00} and kept me from purchasing my vacation home.
Consumer complaint received 2016-12-06
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (CO)

I was contacted by a " Locating Service '' who gave me a claim number and telephone number to call. I called and was informed that XXXX and XXXX was attempting to collect a debt from HSBC Auto. I asked for more info on the debt, including the date of the last activity on the account. After getting info I realized that the date was well beyond the statute of limitations for this debt. The call person informed me that it was not, and that they could get a judgement against me, where it would report negative on my credit report and attach a 10 year wage garnishment. I was then informed of a settlement offer, which she didnt know the details of and would have to speak with her legal dept. I asked for verification of the debt, but apparently they didnt have to provide that. This company is using threatening tactics to try to scare people into paying back a debt they may or may not owe.
Consumer complaint received 2016-07-02
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Radius Global Solutions LLC (CO)

On XXXX XXXX I called Central Credit Services LLC to negotiate a debt settlement. The representative and I reached an agreement, of {$1200.00} dollars, and I would pay {$30.00} on XXXX XXXX, pay {$600.00} on XXXX XXXX and {$630.00} on XXXX XXXX. On XXXX XXXX my mother threw me out of the house for reasons that are still unclear, but could be related to XXXX. I notified Central Credit Services LLC, specifically XXXX XXXX of my situation and that I could no longer fulfill the terms of the agreement because of the need to find a residence. XXXX XXXX called me on XXXX XXXX and I called her back to confirm my cancellation and the money would n't be pulled from my account. I wanted to talk to a manager to confirm, then the manager did n't give his name, and harassed me in several ways. 
He said to me that " it sounds like I have the money but I do n't want to pay ''. I do n't have an apartment, and I am sleeping on the couch and sometimes the floor, of a relative, an apartment needs to be the first priority. Why this was a means to a conflict is the XXXX. I told him that I was willing to pay, but that I needed a month to get back on my feet, so cancel the payment in XX/XX/XXXX and move it to XX/XX/XXXX. He was unwilling to do this and told me if I did n't pay I would owe {$1800.00} which is the wrong amount because of the {$30.00} dollar payment. Also he said that he would report me, as refusing to pay. I am not unwilling to pay, but I need a grace period all of my clothes are in my trunk, I am sleeping on the couch or the floor of relatives, I need to secure an apartment. He also cited XXXX legal advice that states my mother ca n't through me out because she did n't give me 30 days notice, I do n't own the property nor do I share it, nor was I paying rent, and I am not a minor, so yes she can. He completely throughout the conversation dismissed my circumstance as trivial.
Consumer complaint received 2017-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MI)

Navient, the nation 's largest servicer of student loans, has for years misled borrowers and made serious mistakes at nearly every step of the collections process, illegally driving up loan repayment costs for millions of borrowers, according to lawsuits filed on Wednesday by a federal regulator and two state attorneys general. 

Navient does not make the loans, but it holds lucrative contracts to collect payments each month on behalf of banks, government and other lenders. 

From XX/XX/XXXX to XX/XX/XXXX, CFPB estimates that Navient 's practices cost borrowers up to {$4.00} XXXX in extra interest by repeatedly enrolling borrowers in forbearance. CFPB also found that many federal student loan borrowers were unaware that the government could pay part of the interest charges on their loans when personal circumstances prevent borrowers from keeping up.
Consumer complaint received 2016-09-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

I went to XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and was unaware of some of the loans that I had until it came up on my credit report. I had a sub par education and never got hired in a decent job in the field of XXXX XXXX. I am not even in the field as I work in the XXXX XXXX field working with kids with XXXX. XXXX XXXX XXXX never explained all these loans and I felt pressured when they would rush me through signing some of the loans. I do not even remember signing for all of the loans. I make close minimum wage and can not afford these loans and the cost of living such as paying rent, electric, gas and other bills I have. XXXX XXXX XXXX XXXX, CA and XXXX XXXX, CA Campuses.
Consumer complaint received 2017-01-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc. (OH)

XXXX was charging me double the charging of medical treatment before I had insurance. So when I set down with there medical billing department. I qualified for a program that paid my previous bills due to hardship. Also they paid the rest of the bills from XXXX all the way to XXXX. They printed from their screen that my balance was XXXX I did n't own anything anymore. I turned the papers in to XXXX they sent back their report telling me that this company will stay on my credit report until XXXX XXXX. I also came across a page that XXXX had written in file that I have n't worked in three years how can I pay these debts off. So score is staying at XXXX because of this company.
Consumer complaint received 2017-01-23
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I purchased a car about 3 years ago, with Toyota finance, I was involved in a car accident, the other Party 's insurance took cared of the pay off amount on my car, I tried purchasing another car in the same dealership, once they checked on my credit, the toll me that I have a charge off amount of {$7800.00} which is not true, I have documentation stating that I only own them {$470.00} which I 'm willing to pay if they help me by taking that charge off, off my credit because like I said its not true
Consumer complaint received 2016-12-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I had a total loss on my truck due to an auto accident. I have telephoned Bank of America as has my insurance company to request a copy of Letter of Guarantee and Title as Bank of America holds my loan. After being on hold for ( documented time of 4 hours ) for 3 days in which no one picked up the phone at XXXX, I finally spoke to someone today who said they would do their best to honor the request for the needed information in 5 business days or more ... And to call back if it was not received. While I continue to pay daily interest, rental car fees, and continue to make car payments. I notice when I search the web and Bank of America 's website there is a significant amount of data for consumer auto financing? but very little data on the total loss policy except a phone number that no one ever answers? This process does not in anyway appear protective of the consumer, only of the big banks. 

XXXX XXXX XXXX XXXXXXXXXXXX XXXX Auto Loan # XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (NC)

This Credit Company has an inquiry on my credit report that is affecting my score and opportunities for future investments and ect just to clear the air the I never applied for any WELLS FARGO CARD SERV XXXX XXXX credit card on XX/XX/year> it's inaccurate and fraudulent it's not me apparently someone tried to open up something in my name a roommate I once lived with around those times
Consumer complaint received 2016-07-02
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY (GA)

I recently sent an initial complaint on yesterday which related to calls transpiring on XXXX XXXX relating to discrimination and retaliation. As of XXXX XXXX, I was also retaliated against by XXXX XXXX within XXXX XXXX XXXX XXXX XXXX. after leaving a voice mail on her XXXX XXXX Voicemail system questioning her on how she intimidated, interrogated and repeatedly questioned our daughter inappropriately and unnecessarily regarding her mother, XXXX XXXX, which I addressed and emphasized with her via XXXX recorded system on XXXX XXXX as " discrimination tactics against XXXX minorities ''. In turn, she adamantly, her and her team on purpose set a pre-set small XXXX limit on the XXXX XXXX XXXX Card, after sending XXXXbank statement proof showing an average balance of XXXX. Also, prior to approving an authorized user, XXXX, already checked my credit and sent the card around XXXX XXXX. Based on these and other illegal credit card biased practices within the Financial Review dept., I was also defrauded out of the initial {$1600.00} payment which was made on the account. They purposely waited for the payment to clear my bank on XXXX XXXX and then place a hold on XXXX XXXX, after we received a call from the Financial Review team as noted in the XXXX of this complaint sent on yesterday. Although the payment was not due at the time, I was showing good faith on paying the account and setting it up on a weekly payment basis to pay down the initial amount of XXXX which was truly due by end of XXXX. This is when the XXXX payment for the XXXX statement is actually due. The XXXX Payment would have been due by end of XXXX. We were never given a chance as XXXX Citizens, XXXX Veterans, and XXXX Americans, but was heavily scrutinized and violated by XXXX XXXX and others within the Financial Review department. These are unfair and illegal credit card practices and should be investigated as no one should be left in a bind after initially setting up their monthly everyday charges with various vendors and billing agencies, because we had plans to continue to utilize the card for those purposes as other XXXX groups are given the opportunity to have access to capital and not heavily scrutinized for utilizing their Platinum Credit Card! These are unfair and illegal credit card practices!
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.
Consumer complaint received 2016-08-05
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: ENCORE CAPITAL GROUP INC. (MO)

Midland Credit Management ( MCM ) purchased a charged-off account of mine from XXXX XXXX. The account was opened in XXXX in XXXX, NM. I never received a letter regarding the debt or collections actions, and never had an opportunity to dispute the debt. 

In XXXX, MCM assigned my case to a law firm who filed suit against me in XXXX XXXX, Missouri where I do not reside. In attempting to serve me with paperwork ( on XXXX XXXX, XXXX ), regarding the lawsuit, the service was returned with the message that I did not reside in the county. So far, I have not received any information about this suit, and the only way I know about is by searching my name ( after being denied an apartment rental partially because of this case ) in Missouri 's court records website. 

No action was taken after XXXX XXXX, XXXX to locate or contact me. In XXXX XXXX a notice was given ( supposedly to both parties, though I did not receive it ) that the case was scheduled to be dismissed because no action had been taken for three months. In response, the law firm suing me filed a change of venue request as a stalling tactic. To date I still have not received any mail or service regarding this collection activity.