davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-13
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (NY)

In 1983 my Ex. friend had put me down as a contact person for XXXX Student Loans. Said Ex. friend 's Daughter put me down as a contact person for her Student Loans and Parent Loans through XXXX. Five years ago - they each defaulted on there XXXX loans and since then we have had around XXXX XXXX calls XXXX. We wrote to our state XXXX and they did help us. The Letters stopped, than the phone calls started - again we wrote to our XXXX XXXX XXXX XXXX XXXX than the phone calls through XXXX stopped. Than the phone calls from the lawyers for XXXX XXXX started calling -. This stopped after the XXXX office again contacted them - Now, last week, the phone calls have started again. We were just a contact person ... ...
Consumer complaint received 2015-11-19
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

For years I have had credit cards with Bank of America. When I hit financial issues in 2010, they closed my accounts and began a pay out plan for me at $ XXXX/mo. and $ XXXX/mo. on each card. What I have noticed is that each month they are also charging me an " interest fee on purchases ''. Is this a normal fee? It seems it should have been included in the payment and NOT a separate fee being charged each month. 
Please advise me as to whether this is an acceptable practice. They have already dinged my credit by closing my accounts. They came up with the payment plan so I could get rid of the account balances, which takes forever even when the card is closed! Now I notice the fee when I went in to double check my balances and got curious to check to see if anything is listed on my monthly statements. I would never have discovered this fee otherwise. 
Thank you.
Consumer complaint received 2024-08-14
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ClearOne Advantage, LLC (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXXXXXX Dear Sir/Madam, I am writing to file a formal complaint against ClearOne XXXX XXXX regarding their handling of my debt relief program. Despite my efforts to resolve the issue directly with the company, I have been unable to reach a satisfactory resolution. 
In XX/XX/XXXX, I agreed to a settlement with a creditor through ClearOne XXXX XXXX. I was assured that this settlement would not increase my monthly payment of {$880.00}, which is due on the XXXX of each month. Additionally, I was assured that no other payments would be taken from my XXXX XXXX XXXX account other than the payment on the XXXX of each month. 
However, on XX/XX/XXXX, ClearOne XXXX XXXX  created an unauthorized draft, resulting in {$990.00} being taken from my XXXX XXXX XXXX account. This unauthorized action has caused significant financial hardship for my family. 
On XX/XX/XXXX, I called ClearOne XXXX XXXX  to cancel my account and spoke with XXXX ( # XXXX ), who transferred me to XXXX XXXX informed me that I would need to pay approximately {$6000.00} in fees to close the account. This conversation lasted over an hour, during which XXXX held my account cancellation hostage based on this fee. She only agreed to cancel my account after I provided her with my attorneys phone number and name. 
I became a member of ClearOne XXXX XXXX in XX/XX/XXXX. Since then, I have been constantly harassed with text messages urging me to increase my monthly payment, which I could not afford to do. 
I believe that ClearOne XXXX XXXX has engaged in deceptive and unfair practices, including unauthorized drafts and harassment. 
Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-01-26
Product: Prepaid card — General purpose card
Issue: Advertising, marketing or disclosures — 
Company: Neon Newco Corporation (MA)

i keep receiving emails from Netspend prepaid XXXX, this is their email : XXXXXXXXXXXX They keep coming ( XXXX so far ) thanking me for applying ; i will be receiving my card soon ; directions on how to activate. I DID NOT APPLY FOR A CARD FROM THEM OR ANYONE ELSE. I called all XXXX credit companies and put a 90 day fraud alert also paid {$5.00} to freeze XXXX of them. I did save the emails but was careful NOT to go to click link. I did cut and paste the first XXXX to address bar to check out who they were. It looked like a legit site and said if you receive unsolicited emails from them it was phishing and to forward the email so i did. But probably a mistake on my part because as stated above i keep receiving them. I have Not received a card as of today XXXX/XXXX/16
Consumer complaint received 2015-11-19
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

As I should have known by now, bank of America is not answering my calls and not responding to messages! I was told just a few days ago by a b of a representative whose name was represented as XXXX XXXX that equator file had been opened on XXXX XXXX, I called my realtor and was told that it had not been opened and as of today we are still unable to download the information the bank requested! This complaint is in addition to the XXXX other complaints filed in the last few months! Listed are complaint numbers XXXX and # XXXX and # XXXX. Among the people that were said to have been working on my behalf that I have never had any contact with in spite of numerous efforts are XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX I did however speak with a guy named XXXX whom I felt would be helpful. These are in addition to numerous other people that did nothing to solving the problems! Please bear in mind that I called b of a in an effort to resolve the issue, and have presented all the information they requested!
Consumer complaint received 2016-02-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I have been charged a lot of attorney fees which I paid to ocwen along with late fees which never end have been denided a loan mod after my current mod rate when up tried to work with ocwen they say can not help me at all retired my income has changed trying to stay in my home of 20 years plus
Consumer complaint received 2015-05-26
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (MS)

I had been current and on time making payments on my home mortgagefor almost XXXX years. My home was destroyed by fire and my homeownerpolicy paid the mortgage balance in full. However, all XXXX of my creditreports show no record of my ever having a mortgage and has resulted inmy not having a credit score. It is my understanding that positive inform-mation should be reported indefinitely or at least for XXXX years. Withoutthis information on my report I can not rebuild my home or make any typeof loan. I have disputed this matter with Transunion, but their only re-sponse was that the Mortgage Company had a some kind of signedagreement giving them permission to remove the positive credit informationfrom my report. I then requested that I be provided a copy of this agreementbased on the fact such an agreement does not exists. It has been over ayear now, and nothing has been done and I have had to basically start from \scratch rebuilding my credit which has caused a severe hardship on meand my family ;
Consumer complaint received 2015-07-08
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A. (AZ)

My 10 year interest only loan had expired in XX/XX/XXXX. In XX/XX/XXXX, I applied for a loan modification with Citibank. I have all the email requests for multiple requests for the same information, many times. Each time it is submitted to the underwriter, it comes back with a new request, plus a repeat request. It is now XX/XX/XXXX and my modification has yet to be approved or denied. In XX/XX/XXXX, I requested a new person to work my account, received assurances that I would get a weekly update ( email ), never happened. With the new person, he has had 7 months of requests and re-requests with no foreseeable end to this process. In the mean time, my credit is being destroyed. I want Citi to know what is taking place in the business.
Consumer complaint received 2015-12-24
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I am facing medical problems that have made it necessary for me to relocate. I am in the process of trying to sell my home, as I am no longer able to remain in it and am having difficulties making payments. I have previously attempted to explain the situation to my lender, Bank of America, and ask for a forbearance, but that attempt went so poorly that I filed a previous complaint with the CFPB. In my complaint, I indicated that I wished for the response to be in writing, preferably by mail. I am hearing impaired and am requesting this reasonable accommodation under the Americans with XXXX Act. Bank of America chose to disregard this request, and I also did send a letter to Bank of America requesting that all communications regarding this issue be in writing via mail, but I am continuing to receive calls from Bank of America. 
Oddly, I am receiving letters from Bank of America, but they are all demands to call them regarding my issue. I ask if Bank of America is willing to send me letters telling me to call them, why are they so averse to simply addressing the issue in writing? I would like to work with Bank of America to avoid foreclosure, but their methods of addressing this issue and customer service leave much to be desired, and I believe may be a violation of Federal law.
Consumer complaint received 2016-03-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have mentioned over and over again that I do not take calls from Bank of America. At this point I will consider any and all calls and messages as harassment and will begin logging the calls. I am certain Bank of America can email or use traditional mail services as I do not trust Bank of America and with one of the past complaints they epitomized why when claimed a phone conversation occurred which indeed never took place. The only possible reason Bank of America does not wish to email or correspond in writing is out of fear of documenting responses as they most certainly have email in their offices.
Consumer complaint received 2016-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MD)

Contact Navient about loan which was from 2001, statues expires, got no more than XXXX in loans, they say I 0we XXXX. They garnish my last 4 years of tax returns. Also I included in my bankrupty adversary was included for loan. Sent them a copy of bankruptcy discharge, they would not accept.
Consumer complaint received 2015-07-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (HI)

I had been making extra payments to the principal to lower the LTV ratio to remove the PMI insurance from my loan. Once my LTV ratio was 77 %, I asked that the PMI be removed. Chase informed me that I could pay for a BPO {$110.00} or appraisal $ XXXX-XXXX to remove the PMI before it would automatically remove on the scheduled date. I contacted Chase and was told that a waiver would be submitted for the XXXX fees. I received another letter stating I must pay {$110.00} for a BPO to remove the PMI from the loan on the scheduled date and the LTV ratio is now 76 %. Also, all payments have been made on time and I am in good standing on the loan. A quick scan on the internet estimates the home to be valued at double the loan amount. I have n't found anything in regard to laws that prohibit lenders from charging consumers to remove the PMI once the loan hits 78 % LTV ratio.
Consumer complaint received 2015-07-14
Product: Credit card — 
Issue: Balance transfer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

am having an extreme problem with my credit card. Following is the sequence of events that have occurred to date : Called Bank of American spoke to XXXX XXXX around XXXX XXXX about rates for a balance transfer. He informed me that he could offer me a rate of 3.99 % for 1 year. He also stated that he did not know how long this offer would be available and that if I wanted to go ahead and make the transfer from my XXXX account in the amount of {$4800.00} to BOA I could do so and if I changed my mind the transfer would not go thru as long as I called back before the following Monday. 

On XX/XX/2015 I called and spoke to XXXX XXXX and told him that I had changed my mind and did not want to do the transfer. It occured anyway. 

I called on XX/XX/2015 and spoke to XXXX XXXX and he said it would be taken care of and that they would transfer the balance back to BOA with a 0 % rate for 1 year. This did occur but in checking my XXXX statement they made the payment but then BOA sent it back to XXXX in the amount of {$4800.00}. 

My original balance on my BOA card was {$4500.00} with the balance transfer of XXXX that brought my balance to {$9400.00} But instead of having a XXXX balance on my XXXX XXXX, which was the goal, I now have an additional balance of XXXX that I do not owe which BOA ca n't seem to explain. 

I have spent a considerable amount of time and money in an attempt to get this resolved and it is not only frustrating but very unsettling that such incompetence is in charge of my money. 
No doubt this will also have an affect on my credit report as well as my interest rate with XXXX. 
Could you please check into this and get it resolved for me? I ca n't get through to BOA and they really do not seem to care. 



Thank you,
Consumer complaint received 2016-02-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAINE & WEINER COMPANY, INC. (IN)

I switched insurance companies in XXXX from XXXX to XXXX. I had an outstanding balance due and received a final bill from XXXX in early XXXX. I sent a payment of {$5000.00} to them on XXXX XXXX and was going to pay them {$50.00} every 2 weeks until the debt was paid. I received a call today from Caine & Weiner a debt collector as XXXX turned my account over to a collection agency after they accepted my partial payment. I have a bankruptcy on my credit report and we are trying to buy a house this summer. We were told by our mortgage banker that we can not have any late payments or collections on our credit. I tried calling progressive today and they said I have to refer all my communications to the collection agency. They say that the final payment letter went out to me on XXXX/XXXX/2016 and they do not accept partial payments however they gladly accepted mine. What can I do now?
Consumer complaint received 2016-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: AMERISAVE MORTGAGE CORPORATION (GA)

I called Amerisave Mortgage on XXXX/XXXX/2016 and spoke with XXXX XXXX, a Loan Originator. He assured me at that time he could and would get the loan closed. Initially the loan received an automated underwriting approval. Since then, the loan application has been declined 3 times with no explanation as to why it has been declined. When the initial credit application was taken, my credit score qualified for premium financing. They ran my credit a 2nd time within 30days which reduced my credit score and caused me to be disqualified for premium price financing. I have reached out the XXXX XXXX manager, XXXX XXXX several times and he HAS NOT responded to me at all. I have contacted the loan processor, XXXX XXXX, and he has not responded to my email or returned my phone calls. I have also contact customer service and was told a manager would call me back within 24 hours and I have not received a call or email response from anyone. At this point, I have spent {$75.00} getting documents signed and Notarized only to receive an email stating the loan has been declined again with no explanation. I have been requesting a call back since Friday, XXXX/XXXX/2016. XXXX XXXX replied on Monday stating he was out sick and would have his manager call with the reason for the decline & I have yet to receive a call or response from him. I believe I am being discriminated against or RED LINED.
Consumer complaint received 2015-11-09
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

My VA home loan was refinanced through XXXX XXXX XXXX ( OCWEN/XXXX ) and closed through them in XXXX XXXX, of 2013. Promising a lower monthly payment, with the majority of the monthly payment being applied to the principal on the loan amount versus the interest. Since refinancing in XXXX of 2013, OCWEN has reported a delinquency on the account since XXXX XXXX of 2013, even though the loan was actively being paid with no late or missed payments. The loan was in OCWEN 's responsibility since XXXX XXXX, 2013. They are reporting my loan as delinquent since XXXX XXXX of 2013 when it was still being handled by XXXX XXXX XXXX. How is this possible? I am now receiving reports of an " approved '' foreclosure process on my property, that is actively being paid. OCWEN is now reporting I am in debt to them upwards of {$47000.00} and has since transferred the loan to XXXX XXXX. They have not only mishandled my payments, they have damaged my credibility as a borrower until this issue can be resolved. I have trusted OCWEN to handle my mortgage appropriately, only to be told that I 've been not paying a loan ( which has been actively paid ), been hassled about imminent foreclosure, and given the run around on any information I try to seek from them. OCWEN will be responsible for bringing my mortgage account to a current paid status, with no faults on my part.
Consumer complaint received 2015-11-03
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My wife and I began a refinance process on our house XXXX. We currently live XXXX and are renting out the house. We were interested in lower our interest rate. The entire process took 5-6 months. A lot of delays on the bank side, very unresponsive and we feel we were treated unfair. We went through XXXX underwriters because the bank themselves acknowledged prior ones were not communicating/working out properly. We received multiple Hud Statements, but we were told not to worry about the information on it until the last XXXX came. Thoughout the entire process, they kept requesting same paperwork over and over, not only from us, but from my employer- who was becoming very irritated. After escalating our loan to supervisors/managers - we were told we did n't qualify, only later to find out it 's because some of my income was not being used. Which they did a very poor job in communicating that- the loan was finally approved - after the asked the proper questions to my employer. Once the final Hud Statement was sent- it turns out that We were being charged for Extensions - added up to about {$2400.00} - which was NEVER communicated to us- yet they claim it was. Interest rate was higher- because we were taking cash out - which was NEVER communicated to us, yet they claim it was. Once we finally closed, there was a loan that needed to be paid off, in order to qualify ( which was poorly communicated to us ) - we assumed the check would be sent to the finance company, but it was n't, we kept checking to make sure it got paid, and did n't find anything out until we reached out. We were then told that the check was sent to us, but that it was sent to the wrong address, so it came back and it needed to be sent again. We asked why this was n't communicated to us, no answer. the loan was with a XXXX, so we could n't quickly get it to them - we had to overnight it - I asked what the bank planned to do about this error. They said nothing- but I later received a call saying they would send me a {$50.00} gift card. I explained I was very disatisfied with everything, and that I am not looking for a {$50.00} gift card, but for all the extra fees we had to pay. Nothing was done. A few days after closing- we were called by the notary - saying that a witness was needed on the closing - that was not done initially- she advised us that the bank gave a very tight window to complete- so I had to leave early from work and meet her at a Bank branch. 

If I had the luxury of going with another company, I would have, but after promise and promise, they kept dragging us along, plus, we were in the middle of buying another house. We planned on going with the same bank, but after this experience, and then being told that they could n't close on time, we went with another company. We really could not afford to start the process all over again with another company, we did not have many options.