davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Due to us filing previous class action suits request on behalf of ourselves and other consumers like us. XXXX XXXX Bank of America purposely targeted us due to our XXXX and filed a foreclosure on our home and dual tracked us while in a current active workout with them. XXXX XXXX Bank of America has bullied, harassed and retaliated against us for multiple years and purposefully strung the workout out on a modification agreement with us for a year while we made payments to find out if S.J. 47 would pass or not. Therefore, we are requesting that all of our class action complaints filed with the Consumer Financial Protection Bureau and the Arizona Attorney General be grandfathered. 
S.J. 47 states : " Congress disapproves the rule submitted by the Bureau of Consumer Financial Protection relating to Arbitration Agreements " This joint resolution nullifies a rule submitted by the Consumer Financial Protection Bureau XXXX CFPB XXXX regarding arbitration agreements. 
( The rule regulates the use of arbitration agreements in contracts for specific consumer financial products and services. It prohibits the use of a predispute arbitration agreement to prevent a consumer from filing or participating in certain class action suits. The rule also requires consumer financial product and service providers to furnish the CFPB with particular information regarding arbitrations. ) ''
Consumer complaint received 2017-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MA)

I purchased my home in XXXX of XXXX for an amount of XXXX through XXXX XXXX XXXX. Since the purchase of XXXX I have had 4 different loan companies acquire my loan and the current loan company is Ocwen Loan Servicing. I fell behind on my mortgage back in XX/XX/XXXX and brought it to current on that year. In late XXXX, Ocwen offered a loan modification which never went through or they did not honor. I maintained the monthly payments of approximately XXXX for about 7 months until they abruptly stopped accepting them around XXXX of XXXX. I asked why the payments were not being accepted and never got a clear explanation. Ocwen then again offered me another loan modification which put on a 3-month trial which would have ended in XX/XX/XXXX. I made the trial payments but when I went tried to pay online, the monthly amount had changed drastically from XXXX ( approximately ) to over XXXX. I am a victim of a predatory loan for which I have paid over 10 years and as early as XXXX XXXX, my XXXX loan has turn into a XXXX with Ocwen as the worse of them all.
Consumer complaint received 2017-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

I WAS LOOKING INTO MY STATEMENTS AND FOUND A CHARGE WITH THE HELP OF MY FRIEND THAT I DID NOT AUTHORIZE AND I HAVE NO IDEA WHO THE MERCHANT IS. FROM XXXX XXXX XXXX FOR XXXX ON XXXX/XXXX/XXXX. MY FRIEND AND I CALLED THE CREDIT CARD COMPANY FOR XXXX AND SPOKE TO XXXX XXXX WHO WAS SO MEAN AND NASTY TO ME AND TOLD ME I DID MAKE THIS CHARGE WHEN I DID NOT. I ASKED TO BE TRANSFERED TO HER XXXX AND SHE DISCONNECTED THE CALL. I AM A XXXX CITIZEN AND I CAN AFFORD TO PAY FOR THINGS I DID NOT AUTHORIZE AND ITS A ALMOST XXXX CHARGE. PLEASE HELP ME GET MY MONEY BACK. I AM LOOKING INTO MORE OF MY STATMENTS TO SEE IF THERE ARE ANY OTHER CHARGES ON MY ACCOUNT. PLEASE HELP ME.
Consumer complaint received 2017-11-01
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc. (ID)

IC systems has been repeatedly calling my phone number provided in previous questions and have informed me of having a file placed with them by a health provider and have asked me to confirm my information, they then give me a partial address and ask if this is correct, I ask what it is regarding and they refuse to answer my questions, they then kept pushing for my personal information such as social security number- I do not give it until I can verify what IC systems is calling about- they then repeat that they wont discuss the " file '' until I provide personal information, I then ask what exactly it is regarding and that I will not volunteer that information until I am provided a reason for their call, they then hang up on me and will not answer my questions. This feels like an absolute scam in refusing to discuss the reason for their call until I provide personal information. They say the file originated from a health care provider, however we have no outstanding balances anywhere.
Consumer complaint received 2017-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (GA)

I received an Email from XXXX directly in XX/XX/XXXX, addressed to my name and one of my XXXX card, about the promotional offer that I can earn {$25.00} per card if I add an authorized user and charge $ XXXX spending on that card, and the offer is up to 4 cards ( up to {$100.00} in total bonus ). 

I followed the rules, and added 4 additional cards, met the spending requirements. I got two additional Email from XXXX about the same offer in XXXX and XX/XX/XXXX. In the last Email, XXXX stated that they were experiencing some website outage related to this offer, extended this offer expiration date to XX/XX/XXXX. 

I have waited several months, but still not got the bonus rewards as advertised. I contacted XXXX customer service, but theirs investigation said I personally declined the offer, which is so ridiculous. As I double checked the offer Email carefully, there is no option to decline an offer. The only link within the offer Email is to participate the offer.
Consumer complaint received 2017-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

USAA will not allow a credit card product change. I want to switch reward programs. They claim that the " Card Act '' will not allow me switch credit card products and that in order to do so I would have to open a new line of credit. USAA is the only company I know of that will not allow a product change. It is unfair to the consumer. The purpose of the law is to protect the consumer. Instead USAA uses it to keep costumers from negotiating better terms while allowing USAA to change the terms of the deal ( intrest rates, reward points, etc. ) at will. This means its possible for a consumer to open a line of credit with USAA due to an appealing reward program, and then have USAA changes the rewards program without allowing the customer change products.
Consumer complaint received 2017-11-01
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: SUNTRUST BANKS, INC. (GA)

My complaint is regarding my SunTrust credit card. They will not refund me the money from transactions with XXXX ( since XXXX issued a partial refund, SunTrust has washed their hands of the " investigation '' ). I have tried to resolve my dispute with XXXX, but XXXX is not responding to my complaint that I made with the Better Business Bureau. XXXX issued a partial refund. My credit card company, SunTrust, " investigated '' my disputed amount and will not remove the charges. 

I have XXXX recorded stating the price. Please listen to the call with XXXX which is recorded below ( Sorry that I had to send a link to a video of the conversation, I did not  have conversation recording software on my phone at that time ) : XXXX XXXX XXXX XXXX My SunTrust credit card should protect me from these dishonest practices, but they will not. SunTrust 's " investigator '' did not even contact me regarding this. I spoke to a supervisor at SunTrust who indicated that, SunTrust will not help me any further. That is one of the main reasons to use a credit card, protection during purchases.
Consumer complaint received 2017-11-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

The Fair Housing Act makes it illegal to deny or discriminate against people based on race, XXXX, national origin, religion, XXXX, familial status or XXXX when it comes to issuing mortgages or mortgage modifications. Master Servicer Bank of America and sub-servicer XXXX XXXX XXXX have discriminated retaliated against us by placing our home in foreclosure while in a active workout and while we have been making trial modification payments since XXXX 2016. Master Servicer Bank of America padded my inhouse modification with over {$100000.00} of unauthorized fees, misappropriated payments, failed to post escrow correctly, never corrected errors made from forced placed insurance, put themselves as the lender on our modification and they were never the lender. Bank of America the Master Servicer and XXXX XXXX XXXX the sub-servicer have retaliated against my husband and I through a variety of unfair and fraudulent tactics through targeting our XXXX to take advantage of and manipulate in-house modifications. Both Bank of America Master Servicer and XXXX XXXX XXXX sub-servicer have committed the following violations against us by targeting us : a ) Targeting XXXX borrowers with in-house modifications then do the bait and switch with dual tracking. ( See Exhibit A ) b ) Targeting XXXX borrowers holding fraudulent deeds and notes with denial of Hamp modifications. ( See Exhibit B ) c ) Targeting XXXX borrowers with in-house modifications that placed Bank of America as the Lender when Bank of America was never the lender. ( See Exhibit C ) d ) Targeting XXXX borrowers with in-house modifications that fail to provide the identity of a true current secured lender creditor. ( See Exhibit D ) e ) Targeting XXXX borrowers with in-house modifications that charged excessive interest. ( See Exhibit E ) f ) Targeting XXXX borrowers with in-house modifications that threatened to foreclose on borrower unless signed. ( See Exhibit F ) g ) Targeting XXXX with in-house modifications that inflated unauthorized and undocumented fees. ( See Exhibit G ) h ) Targeting XXXX with in-house modifications that padded mortgage with increased fees. ( See Exhibit H ) i  ) Targeting XXXX borrowers with in-house modifications stating they willfully and voluntarily give up their rights to a trial by jury. ( See Exhibit I )
Consumer complaint received 2017-11-01
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. (FL)

I really need your help. There are some things reporting on my Experian report that is contradicting and I have asked several times for calcification and still the contradictions are there. I hope your company can help me with this. Experian reports an XXXX - XXXX only as XXXX XX/XX/XXXX but nothing prior to that. Another XXXX XXXX with a XXXX XX/XX/XXXX no previous payment history either.There is a XXXX account-XXXX.. shows charged off {$5600.00} but the past due balance is {$4100.00} how can one be higher than the other? There are 4 XXXX XXXX XXXX Three of the accounts XXXX, XXXX and XXXX are showing the same payment history exactly but one of the accounts states it 's due to continue reporting until XX/XX/XXXX and the other states XX/XX/XXXX and the other states XX/XX/XXXX if the payment history is exactly the same why would n't they state the same dates? The last 5th in question XXXX shows As of XX/XX/XXXX it was Foreclosed XX/XX/XXXX but no payment history before that. With so many different contradictions how can they have really researched them?
Consumer complaint received 2017-11-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IL)

Navient has refused to lower my monthly payments based on my monthly income. During this time my account as fallen delinquent, account balance and increased, and my credit has been damaged. They have required me to pay over {$1200.00} each month on these 4 private student loans. This has hindered me from being able to pay on my federal student loans at all. I have been paying them what I can afford. I now have a XXXX XXXX and they have still increased my required payment amounts even more. Finally, on XX/XX/XXXX ( while on a recorded phone call ) Navient agreed to temporarily lower my monthly payments. After providing my income statement, monthly bills, and being harassed about why I had each bill. Supervisor XXXX XXXX ( employee # XXXX ) stated my payments could be temporarily lowered to {$510.00} per month until XX/XX/XXXX. Then these payments would go back up to {$1200.00} per month. I was also told that my account would be reported delinquent to credit bureaus until at least XX/XX/XXXX before the account would then be brought current. I later received a letter in the mail that listed the recurring automatic payment dates but no detailed terms and conditions. On XX/XX/XXXX I received a call from Navient stating the payment arrangement would be automatically be debited from my account at XXXX and to make sure that I had the funds available. On XX/XX/XXXX the funds were deducted from my account. I am now receiving more harassing phone calls from Navient. They are telling me that my payment agreement has been rejected and that I need to call them back. Navient has taken my money and now refusing to honor our agreement and bring my account current. Please see attached payment arrangement.
Consumer complaint received 2017-11-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One has a grace period for pay your auto loans on time. When I paid my monthly payment for the loan it was within the grace period. The amount was for about {$200.00}, my monthly payment is {$240.00} and some change a month. 

They report to the three credit bureaus that my payment was late, it wa n't late because i paid within the grace period except for {$48.00}. I was short but did n't think I would be hit with a late payment when I did make the payment it was a little short. My balance would carry over not to hit my credit report with a late payment, which dramatically lowered my Credit score by a XXXX points. I 'm trying hard to maintain good credit.
Consumer complaint received 2017-11-01
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: EQUIFAX, INC. (VA)

Equifax Dispute Issue I contacted Equifax about a collection posted to my credit report in XXXX 2017 and submitted a dispute over the phone with them, confirming that my date of birth, social security number, and name was correct in their system. 15 days later I called to check the status of the dispute and found out the collections agency, XXXX XXXX had the correct person. As this was fraud and not an account of mine I submitted a re investigation in XXXX  2017. It was still found to be an account of mine, which was not, as the birthday and social security numbers were not the same, so I submitted a third re-investigation. By this time I was fed up with Equifax and their lack of looking at the details in seeing that the information did not add up so I called XXXX XXXX myself and they said that the account was indeed not mine. The fact that Equifax still decided the account was in my name and deserved to be on my credit report shows the complete incompetence of the company. The investigation process used by Equifax is ridiculous as they must not investigate much into disputes as I was able to figure out more information than they were. This makes me wonder how many more have been subject to this company 's ignorance and why nothing has been done by the consumer financial protection bureau to fix these issues and Equifax 's lack of professionalism. It took me investigating and days of contacting the company and equifax to fix this issue that was all due to Equifax 's incorrect reporting. How does a CRA validate submitting a collection with different social security numbers and birth dates to someone 's account and how come the CFPB is not holding them accountable for this?
Consumer complaint received 2017-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Stellar Recovery, Inc. (VA)

I sent Stellar RECOVERY a dispute to the listed address in my credit file on XX/XX/XXXX which was delivered and picked up on XX/XX/XXXX. 
They put the account in dispute but failed to send me any competent evidence bearing my signature, showing that I have or ever had some contractual obligations to pay them. 
Stellar Recovery Refuses to ACKNOWLEDGE and Cease and Desist there EXTORTIONATE, Character defaming and libels slanderous Activity. Not only is their activity defaming my character, damaging my ability to obtain credit for personal family or household purposes, but it is also obstructing my ability to do business in XXXX. 
XXXX XXXX are still reporting incomplete, and inaccurate information. 
FOR STARTERS, they are reporting an high balance {$230.00} that is inaccurate with the balance of {$230.00} because no payment was ever made to them in order to establish the price deduction. 
They 're reporting an inaccurate Date open, and TERMS because there is no CONTRACTUAL agreement that was ever established. 
INCOMPLETE ACCOUNT number and payment history On XXXX No high balance, NO missing monthly payments, NO estimated REMOVAL date ...
Consumer complaint received 2017-11-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have an account that was open in which I did not open it. My information was stolen out my purse when I was a relative house. I spoke with the bank over the phone but they could n't give me any information on the account.
Consumer complaint received 2017-11-01
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One took over for the XXXX card I have been a member since XXXX. Since then I have paid my bill online and not had a problem I sign on to my account once a year to pay the membership dues that is due. I called today because I know that my membership was due for XXXX and I paid my past due amount and then was transferred to the technical support to reset my password. I was then asked the questions that a credit card company ask what is my name and the other privacy question then to be told that they could not reset or send an email to give me access to my account. The person I spoke with at Capital One name was XXXX and her employee ID was XXXX she explained to me that she was a floor supervisor and was not able to help me that she could transfer me and that person still would not be able to help me. I explained to XXXX that I am in the Military and that I constantly move around that is why I have my fathers address as the mailing address. My father is currently XXXX miles away from me and also out of the country. She explained to me this is Capital one 's policy that they can not help or reset my password without the account number. So I explained to her how can I do that if I am not even around my father 's address and I am constantly moving around and that is the point of me sending my mail to my father 's address. The point is that I had to close my account with capital one due to this inconvenience to a service member being away. Something needs to be done about this I pay my bills online and that 's how I have done it.
Consumer complaint received 2017-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

Three months ago I received notification from Citicard that they were going to cancel my credit card because I already was making payments on another card that 's been closed. I was not late on either card. Two months ago I thought I had made an online payment to Citicard to pay my bill for the month. It did not go through somehow and when I went to check on the bill, I found it was n't paid and I called XXXX to see if they would waive the fee. They said they had already waived the fee and they could not do it. I asked them since they were closing the account anyways if they could just roll over the amount due, to the balance that I was already paying on and they said they could not and that I would have to pay two separate accounts. I was not ok with paying two separate accounts, so knowing that I would pay off the balance by XXXX XXXX, was not too concerned since the account is closed. Well Citi has not stopped calling me XXXXVERYDAY 1 - 6 times EVERYDAY!! I 'm not sure what they think they are going to gain by calling me so many times a day but this is NOT ok. No one should be harrassed by a creditor so much. And it 's not like I owe {$50000.00} or something like that. I just want the calls to stop and the opportunity to pay off the balance.
Consumer complaint received 2017-11-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CO)

I am currently 90 days behind on my mortgage and have been attempting to reach a Loan Care loss mitigation specialist for 30 days. Loan care put me in a repayment play that I was unable to maintain. When I attempted to call I was hung up on multiple times. I called on XXXX at XXXX pm. XXXX at XXXX, XXXX at XXXX. and XXXX at XXXX. each time I was placed on hold and disconnected. Today I submitted a 21 page fax to their loss mitigation fax line as the only two ways to send it is via mail of fax. I included my pay check stubs, lease agreement, proof of other income including child support and Notary work. I also included the expense form and complete application and letter of explanation. I tried to log into the company website today to make a payment but they have cut off my access to do so. I need help reaching a person to work this out. I have consulted with a XXXX attorney and will be filing a XXXX XXXX if they are unable to help me save my house. I reviewed the FHA modification information and I qualify for a modification but I am angry that they keep giving me wrong information.