davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I applied for a Bank of America credit card 10 years ago. Recently, as I hadnt used the card in a while, I logged into my online banking to find that the card had been closed in XXXX. However, I had more than {$400.00} in cash rewards in the account, and now I cant redeem it. I have several questions regarding this situation.

1. I have been a Bank of America customer for over 10 years. Besides this credit card, I also have a checking account and a savings account with Bank of America. While I havent used the credit card, I have been using the same login ID to access my credit card, checking, and savings accounts, so I believe I have shown consistent account activity. Therefore, they shouldnt have closed my credit card. If they determine account activity by looking only at specific accounts, they should clearly separate the credit card account, allowing me to create a different login ID for it.

2. When I applied for this credit card, they stated that the rewards would never expire. But now the money no longer exists in my account. This is misleading to consumers in my opinion.

3. The cash reward is actual cash, not points, so removing this money without my authorization could be considered theft.

4. If I didnt redeem this money in time, since its cash, it should have been escheated ; its impossible for this money to just disappear from my account without reason. I should have the option to contact the state government to claim it, but they didnt give me this optionthey just told me its gone.

5. When I inquired about where my money went, they told me it returned to the bank. I dont understand what law allows them to take my money back into the bank. Will this money show up in their annual audit report?

6. Ive called them three times. Each time, I received different answers. The first time, they simply said no without any explanation. During the second call, they filed a case for me, saying I would receive a response within two weeks. It has now been three weeks, and I havent received any reply. On the last call, they just transferred me between departments without trying to resolve my issue, and each call lasted over 30 minutes.
Consumer complaint received 2018-01-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (CA)

Hello ... I obtained this loan while attending XXXX XXXX XXXX XXXX. The initial loan amount was for {$16000.00} taken out on XX/XX/XXXX This negatively amortized loan from XXXX XXXX XXXX has to be illegal. I have made most of my payments with some deferments here and there and my total that I owe now is {$25000.00}! My balance increases with making payments every year. I filed bankruptcy in XXXX and should have been able to discharge this loan through my bankruptcy but it was denied. I could n't pay the loan terms then and I ca n't now. I have contacted XXXX 's servicer AES several times trying to modify the loan to reasonable terms and they refuse to work with me. I have made over {$12000.00} in payments yet my balance continues to go up.
Consumer complaint received 2018-01-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IL)

We have a mortgage with Ocwen for a condo property in XXXX XXXX, IL. The condo is underwater and we are having trouble selling the property for what we owe. The mortgage company and the Condo Association Board will not work with me to allow us to rent the unit unit we can sell the condo effectively forcing me into foreclosure. 

The Condo Association does not allow rentals and removed an economic harship exception so we are unable to rent the unit. If I am not able to sell the unit I will be forced to let my condo go into foreclosure which will destroy my credit. How can yo help me with this problem?
Consumer complaint received 2018-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (OH)

My name is XXXX I regularly monitor my credit report and just got a notification that someone has applied for credit cards in my name using my name and I am worried I may potentially be a victim of identity theft. I DO NOT use credit cards and I do not know what to do. it has cearly put me as a high risk on my credit report and not to mention lowered my credit score as well as put several hard inquiries on my credit score as well. Is there any way these can please be removed. I am very concerned. 
these companies were discover which were 2 times on the same day!!! and then XXXX XXXX???? 
Please help and thank you for your time
Consumer complaint received 2018-01-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was affected by hurricane IRMA. Bank of America had a program where you can miss a few payments but all payments would be due in XX/XX/XXXX. We elected to miss only one payment to make repairs to our home. In recent times, we received a letter from the lender stating payment will be placed in a forbearance account and not due in XX/XX/XXXX. We are very confused. We were assigned a case manager who has not called us back or accepted any of our calls. We have tons of questions! When you call the customer service number, you are re-directed to case manager who is never available so I have to leave a message. Can you imagine trying to get answers and you can not? When I put in my account information, there is no way to go to speak to anyone else. This is super frustrating! How can an organization as big as Bank of America not have an IVR system directly the clients to correct personnel when needed? I can not believe the level of service I received from them. I have all my bank accounts with this company and I wanting to switch due to the service or lack there of from the mortgage side. I pay my bills every month but yet I can not receive any service. This is not fair! Please fine this company.
Consumer complaint received 2018-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

In XX/XX/XXXX I closed my account with XXXX company. There was an issue of returning back the receiver, due to an inefficient work of some XXXX employees. 
After the receiver could n't be returned for a few months, XXXX sent the account to collection, XXXX  company. XXXX opened the collection account in XX/XX/XXXX. 
After the conversations with both XXXX and XXXX the problem was resolved and in XX/XX/XXXX XXXX sent me a letter, with copy to EXPERIAN to delete the collection item from my credit report. 
EXPERIAN refused to delete the item, even if EXPERIAN acknowledged the receipt of the deletion letter from XXXX. 
EXPERIAN stated, that XXXX, notwithstanding the fact, that sent to me the deletion letter, insisted that the negative item stayed on the report. 
My calls to XXXX resulted in assurances by XXXX, that they asked EXPERIAN to delete the item. 
EXPERIAN is telling me, that XXXX said to EXPERIAN, that the item should stay. 
Enclosed please find the deletion letter from XXXX.
Consumer complaint received 2018-05-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BB&T CORPORATION (SC)

On XX/XX/XXXX, I closed on a HELOC with BB & T in the amount of {$340000.00}. My intent was to sell the house against which the HELOC was taken within the year. The loan officer at the local BB & T bank was well aware of our intent to sell the house as quickly as we could as we were moving out of the area by the summer. BB & T advertises " no closing costs '' for their HELOC loans which is what attracted us to their bank, along with the low introductory rate being offered. Closing on the loan went off without any problems and I made the required payments up until we sold the house on XX/XX/XXXX. The payoff on the HELOC seemed higher than I expected and when I checked into it, discovered that we were being charged {$3600.00} for closing costs. When I called BB & T to ask why they had deducted that amount, I was told that because we paid off the loan within 3 years, the closing costs were being charged. I was shocked to learn that since they advertised " no closing costs '' and the loan officer never indicated to me during the loan process that these costs would have to be paid if we paid off the loan within 3 years. I will acknowledge that when I checked the contract, it does state that closing costs would have to be paid if the loan was paid within 3 years, but that doesn't excuse the deceptive advertising being conducted by BB & T. When you approach any one of their branch offices, their advertising does NOT caveat or provide an asterisked notation that closing costs would have to be paid if the loan is paid off in 3 years. When I called the loan officer to address this with her, she claims she did in fact advise me of this. I will swear under oath that she did not as I would have looked for another lender knowing that I would be selling the house within 3 years. BB & T 's advertising is deceptive and I want my {$3600.00} back.
Consumer complaint received 2018-01-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

On Friday XX/XX/XXXXan electronic wire transfer was fraudulently made from my XXXX bank account. When I went to the bank the same day the fraud was committed XXXX 's wire department contacted the receiving bank. Bank of America. I was told at that time the funds were frozen and would not be released. On XX/XX/XXXX I was notified by XXXX that Bank of America responded to them on XX/XX/XXXX that they were not able to recover the funds and therefor they could not be returned. If the funds were frozen the same day as the fraudulent act then why were they not able to recover the funds.
Consumer complaint received 2018-01-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount Recovery Systems, L.P. (TX)

I am to report a HIPPA Violation on an outstanding medical balance on all 3 of my credit reports. I sent a certified letter to Paramount Recovery on XX/XX/XXXX requesting that they validate the alleged debt and that I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. My letter also stated that I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient’s authorization. Therefore, my request is twofold—validation of debt and HIPAA authorization.  On XX/XX/XXXX I received an envelope that consisted of my medical records from XXXX XXXX XXXX XXXX, which is a violation. I am requesting that the charges be removed from my credit reports w/ XXXX, XXXX and XXXX (any credit bureau that they report to) due to I do not owe Paramount Recovery. I did not give permission for any medical provider to release any of my medical information to anyone.
Consumer complaint received 2018-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Strategic Alliances, Inc. (GA)

Debt for XXXX XXXX was cancelled and reported to the IRS as income in XX/XX/XXXX. XXXX XXXX still reporting full amount delinquent. If debt has been cancelled and account closed they should not still be reporting full balance amount. I contacted XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX to inquire of this reporting and were advised they do n't have to stop reporting if the debt is cancelled but the amount they are reporting is incorrect for a cancelled debt. 

First Financial is reporting a balance of XXXX on my credit report and the XXXX was paid in full but they are refusing to remove the XXXX because I have another balance in their office of a lesser amount. I contacted First Financial on XX/XX/XXXX to  ask to remove the XXXX from credit report as it is what is reporting and was denied that request.
Consumer complaint received 2018-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (FL)

I have three rental properties covered under one insurance policy. Each of the properties has a mortgage, and collects escrow towards payment of taxes and insurance as part of my monthly payments. I have already filed a complaint against one of the mortgage companies, XXXX, and am now filing another complaint against XXXX XXXX XXXX, who holds the other two mortgages. Between these two companies, they failed to pay the insurance renewal from the escrow accounts, resulting in loss of coverage. As describe din my previous complaint against XXXX, PNC has also been uncooperative in remediating this problem. On XX/XX/XXXX I learned that PNC did not have a renewal invoice, although my agent claimed to have faxed it on XX/XX/XXXX. I asked my agent to resend with a breakdown of amount due per property. She resent it on XX/XX/XXXX, plenty of time before the renewal date of XX/XX/XXXX. I followed up with her on XX/XX/XXXX, and learned that she had been leaving messages with PNC, but no one had returned her messages. I called PNC again and gave them her contact info and demanded that they follow up. On XX/XX/XXXX I received a message from my agent asking for my social security number, because PNC was refusing to discuss my accounts with her without this information. On XX/XX/XXXX my agent sent a message stating that she had spoken with XXXX in the PNC insurance department, and that checks were being issued and rushed that same day. However, as of XX/XX/XXXX no payments were received, and when I called PNC, I was told that they never received the invoice, bringing us full circle to where we started. I asked for a supervisor and was sent, after a long wait, to a voice mail for XXXX XXXX. I am awaiting a response.In the meantime, insurance on all three properties has lapsed, and the underwriter is refusing to reinstate, even if they receive the payments immediately, so I am now being required to await another quote from underwriting, and will most likely have to pay out of pocket for the insurance once that is received to avoid further exposure. I am living paycheck-to-paycheck right now, and can ill afford this additional expense after having dutifully made my principal and escrow payments each and every month on time and without fail. If I am having so little luck getting them to pay the insurance in a timely manner, I feel that I have little chance of collecting reimbursement form them for paying the insurance myself.
Consumer complaint received 2018-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (OH)

An item I purchased using my American Express credit card was returned which created a credit on my account. Since I had a XXXX  balance, I contacted American Express and requested that this credit be refunded to me. They refunded the credit of {$290.00} by directly depositing it into my Checking/Savings account. A couple days later while reviewing my account, I noticed that I now had a {$290.00} balance and the transaction was coded as a " DB ADJ CREDIT BAL REFUND ''. I immediately contacted American Express to inquire about this charge that had posted to my account. They told me that this error would be corrected in 24-48 hours. The following day, I received a check # XXXX dated XX/XX/2018. I contacted American Express and asked them if I should destroy, or return the check. I was advised to destroy the check as they had already started a stop payment. After the 48 hours expired, I still noticed that my account still reflected a balance so I contacted American Express once again. I was then told that they would have to do an investigation and that would take 6-8 weeks. I explained that this time-frame is unacceptable because it would appear that I was using available credit which in fact I was not and my balance with them should be XXXX. Additionally, I explained that this was their error and why should my credit history be subject to this AMEX error. In addition, I did n't want a finance charge or any fees resulting from their error as my balance should be XXXX. I asked them why my account did not reflect the credit reversal within the time frame that I was told. AMEX keeps giving me different timeframes of when this will be resolved.
Consumer complaint received 2018-01-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received an email from BofA in XX/XX/XXXX that I would start being charged a monthly maintenance fee on my checking account ( ending in XXXX I believe? ). I contacted BofA and inquired about the fee since I have had the same two accounts for over 5 years with no fee. They referenced me to my Terms and Conditions that I signed when I opened the account. I asked for a copy of the terms and conditions they are referencing and they could n't provide XXXX. I asked them to close this account and transfer my balance to my savings account ( XXXX ). The rep at BofA that I spoke to said this account is n't subject to the account maintenance fee so I should keep this XXXX open. This is not my primary account so upon receiving an alert on XX/XX/XXXX that my account was overdrafted, I look to find that a Maintenance fee of {$14.00} was charged and is the fee that put me in a negative balance. This then caused other transactions to be declined causing overdraft fees and Extended overdraft fees. I called BofA in XX/XX/XXXX and the BofA rep said, " no, this account also has monthly maintenance fee 's, check your terms and conditions. '' She apologized for the previous rep statement about no fee 's but could not do anything. I am currently sitting at - {$180.00}, with SEVEN monthly maintenance fee 's being added to my account since my XX/XX/XXXX conversation. 

Please close my account ending in XXXX since I was told this included no monthly maintenance fee 's in XX/XX/XXXX by BofA. Please have the escalation department at BofA listen to the phone conversation for verification. None of the - {$180.00} are charges on my behalf, they are all invalid bank fees that were caused by miscommunication by BofA. Thank you
Consumer complaint received 2018-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

CMS purchased my loan from XXXX in XX/XX/XXXX. 
CMS did not give correctly tabulate my escrow account. 
They raised my mortgage payment by $ 65.00+ in XX/XX/XXXX I called them and tried to advise them of their error. 
They insisted there was no error and refused to make a correction. 
In XX/XX/XXXX they completed an escrow analysis, and again, they did n't tabulate my escrow account correctly. 
I should have an $ 1,075.00+ surplus. 
CMS incorrectly calculated my surplus to be {$10.00}. 
I reviewed their analysis and noted they paid my USDA annual fee amounting {$1200.00} twice by mistake. 
I asked them why and they said its because it was never paid in XX/XX/XXXX. 
I obtained my last escrow statement from XXXX which clearly shows they paid {$1200.00} in XX/XX/XXXX. 
CMS refuses to acknowledge their mistake and refuses to refund my money. 
I have included objective supporting documentation to corroborate my contentions.
Consumer complaint received 2018-01-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MI)

My girlfriend and I are going on a trip to XXXX. I purchased Euro 's through XXXX XXXX for use on the trip since XXXX penalizes US dollars. My girlfriend attempted to transfer her share of the cost of Euro 's to me. XXXX debited her account on the XX/XX/XXXX and has failed to transfer the funds or reimburse her account.
Consumer complaint received 2018-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

I have a mortgage with Amerihome on a rental property I own in XXXX TN. On X/X/18 they claimed that they had not received an invoice, so I collected the fax number from them and asked my agent to resend the invoice. ( They had previously sent the invoice and breakdown on XX/XX/18 ). Because this policy covers three properties with two loan servicers, the agent explained to the Amerihome insurance department representative that the check needed to be made out to the iinsurance agency, not to XXXX XXXX, and the agency would in turn combine the payments to send to XXXX. Amerihome ignored this request, and sent the check made out to XXXX, who will not accept partial payments. As a result, our policy on all three properties has been canceled, and must now go through underwriting. 
Yesterday my agent called and tried to speak with someone, and was refused service and hung up on. I called today, and managed to get a call through to a supervisor, XXXX XXXX, and had a conference call between he and my agent. She requested that the corrected check be overnighted, and he refused, saying it would take approximately 3 days. Bear in mind, that is three more days that I am left vulnerable and with no insurance through no fault of my own. This seems to me a blatant failure to pay in a timely manner from my escrow account.
Consumer complaint received 2018-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

This account with The Bureaus ( {$950.00} ), XXXX ( {$600.00} ), XXXX/XXXX ( {$0.00} ), XXXX XXXX - XXXX XXXX XXXX ( {$69.00} ), are fraudulent and have no merit or basis on my report.