davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-15
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: Neon Newco Corporation (PA)

I signed up with net spend and then signed up for their direct deposit depositing well over XXXX a month. I also was told by ace checking cashing to enroll in plan that charges flat fee each month where I wo n't be charged per transaction. I never pay attention to my net spend account until lately in which I noticed they been charging me a dollar per transaction when I called their customer service to be enrolled in flat fee each month. They are refusing to listen to call and refund me. The second card I got I automatically called and did the same thing and enrolled in XXXX this year. If there rep made a mistake and did n't enroll me not my fault and they need to refund me. Tired of this company that has nothing but foreign people who do n't speak good XXXX and who are rude as ever
Consumer complaint received 2016-11-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I submitted a modification on behalf of our client on XX/XX/2016. I have been calling on a weekly basis to obtain status. We sent a third party authorization on XXXX/XXXX/16 and another on XXXX/XXXX/16. I spoke to a representative from Bank of America by the name of XXXX in the Loss Mitigation department on XXXX/XXXX/16 who advised I needed to update our authorization. I called again on XXXX/XXXX/16 and spoke to a representative to confirm they received the authorization. On XXXX/XXXX/16 I left a message for relationship manager XXXX XXXX. On XXXX/XXXX/16 I spoke with XXXX who advised that they needed additional documents. On XXXX/XXXX/16 I spoke with XXXX XXXX who advised she reviewed the documents and file was going back to underwriting. On XXXX/XXXX/16 spoke to BOA again and was advised file in underwriting. I call again on XXXX/XXXX/16 and speak to XXXX XXXX and she now tells me out of no where that she can not speak to me or anyone on this file. I ask her why not and she replies I can not. I ask well who can I speak to? She replies I do n't know. I can not give you any information. After, 5 minutes of asking her to please refer me to someone she tells me I need to speak to their counsel and when I ask for the name she says she does not have it and ca n't give it out to me either way as she can not speak to me. I am filing a complaint because we send them a borrower 's authorization to speak and handle the loss mitigation file on behalf of our client and out of no where Bank of America says they ca n't speak to us and can not provide a valid reason as to why they can not speak to our office nor to the borrower nor can they refer us to the appropriate party with a name and phone number of who we should call. We would like a status of the modification and the name, number, and email of who we need to contact on this file.
Consumer complaint received 2016-11-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

In XXXX of 2015, I contacted XXXX XXXX for tech support on my XXXX XXXX XXXX, over the phone. The representative that answered the phone told me that. XXXX XXXX XXXX and transferred all their customers to them. I did n't question the rep because they answered the XXXX Customer Service help desk ; I was unaware that they had hacked into XXXX phone line. The rep sold me a 5 yr contract for tech support that day. It was a phone transaction. They said they would send a contract via email. They charged my credit card with Bank of America Visa Account number # XXXX. I called XXXX XXXX support for an annual update and servicing and was told that XXXX had shut down. When informed of the closed business, I checked XXXX and found the attached website, where the attorney general in Washington State had sued XXXX for fraud. Bank of America has not refunded the {$370.00} to my Visa Card. Name on Account : XXXX XXXX. Please investigate this to see why a consumer can not be refunded in the case of FRAUD. Thank you. My phone number XXXX in Virginia Thank you for help.
Consumer complaint received 2016-06-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

I am trying to short sale my home. The XXXX lien holder has been on task with getting the short sale paperwork processed in a timely manner.The XXXX lien holder is not cooperating with me at all. I have submitted over XXXX documents to the XXXX lien holder and my account is not in short sale status yet. I get hung up on often, I get transferred continually and never have been given the liberty to speak with a manager that I have requested to speak with on several occasions. I have written a letter with all the details. I am now receiving collections calls from the second lien holder and being told that as far as they know I am not in short sale status. I was assigned to a short sale representative and he closed my file for no apparent reason. After the last disconnected telephone call on XX/XX/2016 with a representative, I felt compelled to get some federal assistance since I am being denied a federal program assistance ( HAAP ). You will find FAX LOG sheet that verify I have the documents requested was in fact received by the second lien holder on XXXX XXXX and XXXX XXXX 2016.
Consumer complaint received 2016-07-08
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Check Security Associates, LLC (CA)

On XXXX, I received a call from XXXX @ XXXX XXXX XXXX. They stated that I owe a debt with XXXX, which I did not deny. The initial loan was for XXXX and they asked me to make them an offer. I was initially told that I could make a monthly payment arrangement. I told them I could pay them XXXX by XXXX XXXX to resolve the debt. This was not acceptable so he connected me with a Supervisor ( can not recall her name ). We went back and forth with her threatening me with wage garnishment unless I pay XXXX by the end of the month. I told her that XXXX has not even filed papers to sue me and there has been no judgment filed against me ; I knew that was false. She got disgusted and told me to hold on. I was at work and could not hang on and hung up. Then I got a call ( same day ) from XXXX XXXX saying he was another Supervisor and to please call back before they send over the garnishment to my employer. On XXXX, XXXX called again and I reiterated what I was willing to pay. He immediately put me on with XXXX who said that my offer was too low and told me I had to pay at least half the debt of XXXX by the end of the month. I told them to send the judgment and I was done and to not call me any more. They called me 4 more times in a row, twice from a XXXX number and twice from a private number. This debtor has never sent me a letter in the mail or contacted me before yesterday.
Consumer complaint received 2017-03-26
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO. (TN)

I have a Chase Freedom Unlimited card and I recently applied for a credit line increase on XXXX/XXXX/2017 and I ended up speaking with a credit analyst who asked me to verify information from my credit report as I have a fraud alert on my credit stating to verify my identity before granting or extending credit. I am use to this process and he had me verify information and placed me on hold to review the information. Well after about 15-20 he came back and told me congratulations we have increased your credit limit to XXXX and it is available for immediate use and when I logged into my online account it was there. Well I recently logged in my account a few days ago and to my stick my credit limit had been reduced back to the original limit and when I asked why they told me that it had to do with my consumer statement and they tried to call the numbers and they were disconnected to which I replied that I had recently moved but the numbers were already updated with credit bureaus and the cell phone number on my account had not changed. They told them that 6 days later on XXXX XXXX my credit limit had been changed back because they felt it was a fraudulent request and I advised it was not a fraudulent request that I had in fact asked for it and the agent I spoke with verified everything already and why were they in my account 6 days later because they had approved the credit line increase and I had already received a letter confirming that it was increased. So why was it being reduced now and if the information was not verified properly on the XXXX why was the increase granted and I mailed a letter. They told me I needed to speak with lending services who explained that they had reduced the limit 6 days later and said the computer caught it 6 days later and I explained I did n't understand cause I spoke with an agent and he manually reviewed everything with me while I was on the phone and granted the request. Despite this they told me that I the request was closed and I would have to reapply for another credit limit increase and have another credit pull. I spoke with a supervisor and explained that they pulled my credit already and approved the initial request litterally 2 weeks ago why did I have to take another hit to my credit score. Every credit pull drops your credit score and I did nothing wrong. So they pulled my credit the first time for nothing and did they violate the law by granting credit and not verifying the request properly initially? It was n't a fraudulent request, I requested it and spoke with someone and verified it and now they are saying they ca n't grant it even though I have an approval letter and credit hit and now they want me to have my credit pulled again???? That is not right?? Why do I have to take another hard hit to my credit score and drop my credit score again for nothing I did wrong. Also why were they even in my account 6 days later??
Consumer complaint received 2016-09-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America mortgage has recently disabled their option to allow extra principal payments to pay our loan down. It used to be on their full website online as an option but they just decided to get rid of it. I was shocked to hear that the only option to make extra principal payments is to go drive to a bank or mail it in. We are unable to even try to do this by phone as BOFA will charge you. After contacting executive complaints Dept even they are aware how ridiculous this is. In today 's technology and especially when this was an option before how in the world can they think they can get away with this?? Driving to a bank or mailing it in is not only inconvenient, time consuming and costs us consumers interest and money not to be able to pay off our loan. It 's clear they are trying some deceptive option to make it difficult for us to pay off our mortgage quicker. I hope this gets around and something gets resolved or fixed. I 'm sure it will affect millions of customers.
Consumer complaint received 2016-10-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (CA)

My mortgage was sold to PNC Mortgage, an out of state company. In order to make my monthly payments, PNC requires that they receive my payment by the due date. However, because I do not have an account with PNC and can not get an account, they charge me a fee of {$7.00} for the privilege of paying them on line. I have tried using regular mail, but USPS is unreliable. Even with using Priority Mail, it has taken up to 9 days because USPS for some reason first sent the payment to the wrong state. As a result I incurred both a " late payment '' on my account and an {$87.00} late payment fee. It seems that there needs to be rules which regulate what banks can charge as fees. And if the bank does not have a local - walk in method for payment - they should make it possible to make online payments for free or very low cost. {$7.00} to pay your mortgage is too much. I think {$1.00} or something is the maximum which should be allowed. Over the life of a 30 year mortgage, a monthly {$7.00} fee adds up to thousands of dollars.
Consumer complaint received 2016-10-17
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: MINNESOTA LIFE INSURANCE CO., THE (IL)

I have a consumer loan that was past due, they sent a intenet to garnish to my job, I have sent a letter to them revoking the voluntary wage Assignment that they are not honoring, in addition to the fact they have sent the loan to an attorney
Consumer complaint received 2017-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NJ)

XX/XX/XXXX XXXX XXXX NJ XXXX Complaint Department Dear Sir or Madam : I recently obtained a copy of my credit report from your agency and found the following item to be in error : My credit report has the below accounts as reflecting closed accounts. The accounts have been transferred to XXXX. These accounts are in error because they closed over 7 years ago or transferred to a new account listed on my credit report. All of these accounts have the same account number as the XXXX account. Please reinvestigate the following accounts and update my credit report to accurately reflect my credit history. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within 30 ( thirty ) days. 

Account Numbers : Sallie Mae - Account # XXXX - Account closed XX/XX/XXXX Sallie Mae- Account # XXXX Account closed XX/XX/XXXX Sallie Mae Account # XXXX Account closed XX/XX/XXXX The multiple accounts are affecting my credit score Sincerely, XXXX
Consumer complaint received 2017-01-12
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My complaint is toward Bank of America. 
My friend ( XXXX ) and I ( XXXX ) are buying an investment property. My friend works as an XXXX XXXX for a XXXX company in XXXX XXXX being paid in XXXX dollars. He is over there on a short tem contract. He is not scheduled to be back in the XXXX until the beginning of XXXX when his contract is up. 
XXXX executed a Power of Attorney that gave me the right to sign on his behalf for the investment property purchase. The Power of Attorney was signed and notarized at the XXXX XXXX in XXXX XXXX by a XXXX notary. I was just told by a BoA representative that they will not accept the POA because it was signed outside of the XXXX. 
This makes no sense to me as this is the point of a POA and one of the reasons for a XXXX XXXX 's existence. In addition to the fact that an XXXX is a sovereign state and is considered XXXX soil. I escalated it with Bank of America and they requested an exception to allow the POA which was declined. They advised me of the POA decline on Thursday XXXX/XXXX/2017. We are scheduled to close on Friday XXXX/XXXX/2017. 
I feel they are discriminating against a XXXX citizen who is working abroad. The POA was completed in accordance with XXXX and local law as it has been accepted by the title company who is insuring a clean and clear title.
Consumer complaint received 2016-10-17
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

It is something on my report from XXXX that I know nothing about. I have not applied for anything from XXXX. It is a hard dispute. I do n't want any card from them. Do n't know what they are doing on my credit report. It was done from XX/XX/XXXX - XX/XX/XXXX. Thank you for your attention in this matter.
Consumer complaint received 2016-08-31
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MD)

Can someone please help us! 
My wife and I must be truthful and our credit scores are less than bad. Also about two months ago we received a modification on this home we 're in now. This has been a nightmare but while I was on military XXXX. 

I was approved to be under the Soldier and Sailor act. 
This lowered, credit cards and our mortgage payments. Unfortunately this mortgage company later wanted to know who was going to pay the difference in payment cost. 

We tried to explain but was met with no aval and they placed the difference onto our loan balance of our loan. 

Which we were unaware until many months later. So after going back and forth with the mortgage and still being on XXXX XXXX and away from home. Our loan was moved to another mortgage company ( Ocwen ), until we attain the modification. 

Unfortunately this is still showing negative on our credit history. How in the world can our government system, allow these companies to ruin families. We are honest people and we hope someone can help. Thank you in advance ; my contact information is XXXX ; XXXX Thank you,
Consumer complaint received 2016-11-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Core Advisory Group, LLC (WI)

We were served foreclosure papers and decided to call the XXXX from Core Advisory 's mail advertisement. The advertisement looked very promising as it states our new payment would be reduced down to a 2 % rate. The advertisement also stated that I am eligible to be a plaintiff to sue my lender so when I called, the conversation I had with XXXX XXXX was did not align with what the advertisement states however I was presented with another option to file complaint against my lender and XXXX informed me that will force my lender to negotiate better loan modification terms. After I paid them upfront {$2200.00} and additional {$120.00} separately to use their notary service, I got an interview with a gentlemen name XXXX XXXX he put together XXXX complaint letters to be sent off to my lender XXXX, US XXXX and my XXXX however after reading the complaint that was put together on my behalf was fabricated or inconsistent to what actually happened. I was better off writing this myself and felt if that was the case, why am I paying these guys over {$2200.00} just to write me XXXX XXXX half page complaints that is n't even factual? Another concern I have with this company is that they sent me a loan modification package and asked me to complete and as well as pay them another {$1800.00} to get the modification application submitted. This is illegal and violates not only the Wisconsin consumer protection act but also the FTC ( XXXX ) rules. I feel this company has taken advantage of me and I would like for them to return my money back as they failed to help me with my mortgage and securing me a loan modification.
Consumer complaint received 2016-11-13
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Despite YEARS of stellar credit reports and scores, at or about 800 for each reporting agency, I was a couple of weeks late paying XXXX credit card bill and my score dropped over XXXX points! Really, over XXXX points by each agency. This is unbelievable. I have not been late paying any bill in many many years. I was in fact in the hospital undergoing XXXX at the time this bill was due. I do not dispute that payment was late but after my very long history of cultivating exceptional credit status this XXXX point drop must be seen as excessive. In addition, I am in the middle of refinancing our house and this credit report, as it stands now, is costing me money. Please help.
Consumer complaint received 2016-06-23
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc (TX)

I have repeatedly asked for validation of this debt from this collection agency and they have not responded yet continue to report this negative account to my file. I requested that the company provide a contract between them and the alleged original creditor, Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. They have not complied, yet they continue to " verify '' this inaccurate account. Account number XXXX
Consumer complaint received 2016-11-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, About three weeks ago I contacted Transunion and I told the rep I was victim of them reinserted previously deleted information. I told him some of inquiries were reinserted twice on the same day. The customer service rep refuse to help me and told me to contact the creditor. I contacted the creditors and they told me it was not them, Transunion made the mistake. I was never notified by Transunion of this mistake. 
The inquiries reinserted that were previously deleted are listed below. 
XXXX - XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX
Consumer complaint received 2016-11-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX XXXX was disputed on TransUnion 's credit report. I received a new credit report XXXX " in collection ''. This bill is from XXXX XXXX XXXX & has been satisfied as of XXXX/XXXX/16. This payment has also never been listed on my credit report. I will be sending XXXX documents in the mail RE : " paid in full '' from XXXX XXXX XXXX & a copy of my money order.