davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-02
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BOK FINANCIAL CORP (MO)

My Lender is BOKF XXXX Bank of Kansas City. I contacted my lender when I lost my job back in 2013. XXXX XXXX gave me the number for XXXX XXXX in the loss mitigation dept. then transferred to XXXX XXXX, and XXXX others though my single point of contact was XXXX. I was not able to work with a single point contact so this made getting assistance very difficult. I tried to bring my loan current XXXX separate occasions each time I was given the wrong information where and how to pay. Not XXXX of these employees knew ... XXXX XXXX, XXXX ( underwriter of my loan ), the collections department, 24 hr support member, XXXX XXXX XXXX XXXX told me he was going to text XXXX to ask if it would be okay to bring payment to the branch ) I did get to deposit it however XXXX said that he could n't except it because it was n't the full amount past due and people get the wrong idea and think everything is okay with their mortgage and then they get foreclosed on. The application I had to complete I was given ten days, 14 days, told my application was missing documents and I need to send them ( for the XXXX 3rd time ) quickly because my papers were on a stack on the attorneys desk it just has n't been picked up yet to be foreclosed on. By the time I received an answer about my approval for a forbearance plan I had a letter in the mail saying the forbearance is revoked for failure to pay the payment in the agreement I never received notice about. I find steady work again so they do a loan modification, it made my payments higher and they never sent them back to me with the banks signature. Unemployed again now for reasons beyond my control. Now I have XXXX XXXX, XXXX, and another gentleman. My house gets auctioned off in 19 days. XXXX would not let the housing counselor stay on the line with me to ask about a special forbearance or repayment plan. They lost my paperwork to make the application complete. I have the conformation page that shows I sent those documents. XXXX says I have no options, the other gentleman states he does have the " missing '' documents but its to late I do n't have a job so they cant help me, XXXX says my only option is a repayment plan. I have done what the letters say to get help, I called the XXXX counselor but the loss mitigation dept wont allow her to stay on the pone, I give the papers back in less than thirty days like the instructions tell me.. in 14 days. It is hard to get that done with limited funds. I do n't know why this is happening or why I cant get assistance from anyone.
Consumer complaint received 2016-10-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (AZ)

Midland Credit Management is claiming a debt belongs to me that I believe was falsely opened in my name or they are collecting from the wrong person. I have sent multiple letters and now I am sending via certified mail requesting proof that it is my signature on the original contract, and they have yet to provide it and still report it on my credit. I have even offered a settlement simply to remove it from my credit in an effort to just put it behind me even though I do not believe the debt is actually mine, and they will not respond to any attempts. They keep threatening lawsuits but I continue to stand my ground and request, over and over, proof that there even was an original contract for the debt that they bought. They give me no information other than n alleged billing statement from an original creditor, sill without my signature.
Consumer complaint received 2016-10-19
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

my wife and her friend traveled to XXXX, i obtained a bank of america travel rewards visa card with no international fees, i called the bank befour travel date informed of our travel plans so that i would not have any isues. sure enough first purchase the card is declined and being in a high end luxury fir store we are surounded by security cause they think its a stolen card??!! 5 phone calls to bank of america later and 5 humiliating trips bak to store nothing!!!!! so now my wife has no creditcard and limited cash!!!!!!
Consumer complaint received 2016-06-24
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I applied for a refinance and was pre-approved. The sales agent said if the loan was not approved the house would not be appraised or the appraisal fee would be returned. My house was appraised but I never was informed about the status of the loan. I was cut off and all correspondence by me has not been answered. I have requested a return of the appraisal fee and I have had NO ANSWER. The process was appalling by all concerned and I would not recommend this bank to ANYONE.
Consumer complaint received 2016-11-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (CO)

Shellpoint Mortgage Service XX/XX/2016 ATTN EXCALLATION DEPARTEMNT LOAN NUMBER XXXX XXXX, Chief of the Escalation Department. 

Dear XXXX : I am in receipt of the letter send from you Department on XX/XX/2016- Someone is CLEARY NOT PAYING ATTENTION TO MY ACCOUNT : OR THE RETENTION OF MY HOME- When I received the call on XX/XX/2016- from XXXX he knew that the DOLLARS where incorrect on my Modification Denial with the UNDERWRITING DEPARTMENT not adding any rental income. In addition, his superior called me per my insistence in the Denial of the Modification an also concurred that there was no rental income and the Modification showing a NEGATIVE loan ratio of ( -140 % ) -- Debit to income- NOW let 's look at page one of your XX/XX/XXXX letter FROT with ERRORS- and misinformation. 
# 1 My net income for EXCURSIONS as sent in is $ XXXX That is my SEDAN CAR BUISNESS No added correctly is the long term rental property income of {$5300.00} discounting the income per HAMP at 75 % is a positive {$3900.00}. THAT would clearly make a monthly NET income to me of {$6500.00} per month NET to ME XXXX- take away the MORTGAGE PAYMENT for the rental unit of {$2600.00} = {$3900.00} take away with a new HAMP MODIFIED PAYMENT on the balance of {$370000.00} on a 2 % note the payment would be at {$1300.00} per month- plus taxes and insurance of roughly {$500.00} per month I would be at 50 % LOAN TO VALUE NOT NEGATIVE 140 PERCENT- SO, let 's look at {$6500.00} a payment of {$1900.00} would be a positive 32 % Debt to income ratio- Now please try to explain this to the Consumer Protection Bureau- your response is not posted on my site and a second note was sent to you for my concerns of your response. 

XXXX CO XXXX- XXXX CC XXXX Attorney on File and the Consumer Protection Bureau. 
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Consumer complaint received 2016-10-19
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: RSI Enterprises, Inc. (AZ)

I contacted the debt company to explain to the agency that the last time I spoke with XXXX XXXX, I asked them to resend my bill to my new secondary insurance. The associate stated to me that I never requested that. That is not true, I did request to have the bill sent over to my new secondary insurance over the phone, and I also requested it at my last office visit when they told me I had a balance.. It never was sent to my secondary insurance, instead it was sent to collections, and I found out about it through a credit report alert. And now because my secondary insurance did not receive it on time, I am battling with them to review a claim to pay the amount in full. When I asked the lady at the collections department to send it over to my secondary insurance, she told me it was already sent, and that is the amount I have to pay ... Which was a lie! It was never sent. I want this collection removed from my credit report. I will deal with the secondary insurance claim on my own and whatever is left over after my secondary insurance reviews it, I will pay in full at that time. A medical company can not deny sending something to a secondary insurance, and I do not appreciate being lied about the bill being sent to my secondary insurance in an effort to collect money upfront.
Consumer complaint received 2016-10-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ACS Education Services (MI)

They make it impossible to pay, are very difficult to contact and keep reporting me and ruining my credit score. 

Any amount of research on the company ACS educational services turns up nothing but disdain from customers who are constantly getting screwed over. How is this even legal?
Consumer complaint received 2016-10-19
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I have a VA mortgage with USAA Federal Savings Bank ( XXXX, XXXX XXXX, IL, XXXX ), loan number XXXX. Effective XXXX/XXXX/2016 the mortgage servicer was changed to XXXX Mortgage XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. On XXXX XXXX, 2016 USAA transferred escrow balance of {$2100.00} to XXXX XXXX. 

The escrow funds provide for homeowner insurance and taxes. The insurer sent XXXX the renewal policy information in XXXX and a reminder on XXXX XXXX, 2016 that included the final due date of XXXX/XXXX/2016 as well as amount due, {$1100.00}. 

XXXX did not pay the bill and the policy was cancelled effective XXXX XXXX, 2016. I live on the XXXX coast of Florida where on XXXX XXXX my city was struck by hurricane XXXX. On XXXX/XXXX/2016 I received notice from my insurance co. ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL, XXXX ) that effective XXXX/XXXX/2016 the policy ( # XXXX ) was cancelled for lack of payment and would help me try to get " replacement coverage ''. 

On XXXX/XXXX/2016 ( I was unable to find anyone open on weekend ) I contacted USAA who would not address the issue and transferred me to XXXX. After 2 hours on the phone and multiple excuses, XXXX promised to overnight a check ( they are unable to do wire transfers? ). Today is XXXX XXXX, 2016 and a check has not been received by XXXX and XXXX claims it was prepared they do not know how is was sent or when. 

Three different XXXX representatives promised to update me and keep me informed, but none did. I still have no insurance and I have been told three different scenarios about whether a claim will be honored due to hurricane existing, whether I have to agree to make no claim, and if XXXX has an unstated grace period. In addition, I was told it could take 3 to 5 business days after the check was received before insurance would be in effect. Probably to let the check clear. 

I am concerned that my insurance record and credit record will show that I had a policy cancelled. 

In addition, USAA is keeping a payment database ( for my mortgage payment data ) that is separate from XXXX and different from XXXX. The USAA database shows that I am in arrears and did not pay XXXX or XXXX payment and could cause bad credit reporting. Thank you.
Consumer complaint received 2016-10-19
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Western Collection Bureau, Inc. (TX)

I do n't know who this company is but they have called me, my employer, former employers, and family members that I have n't spoken to in years as well as my ex husband. They claim that I owe for a payday loan of which I have repeatedly explained to them that I have never in my life taken out a payday loan. They refuse to mail anything showing me documentation. I went ahead and paid {$440.00} in XXXX after they promised to send me a letter showing that all claims against me were clear and I had a zero balance, hoping that the embarrassing calls would stop and now they have gotten worse. I have never received any letters or any documentation what so ever from these people. This company now claims that I have more debt that they refuse to disclose but I MUST pay immediately to avoid a warrant. I have never in my life done anything illegal and this company is scaring me as well as embarrassing me by calling everyone they can find that has ever had any type of contact with me. They refuse to provide an address for their company.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have disputed this credit report with all XXXX credit bureaus previously. It was removed, after the corporate office contacted me and it was proven that I did not owe {$51.00}. This company has attempted to add this to my credit report several times ... and each time it has been proven I do not owe the balance. XXXX has contacted myself and this collections company to state the balance is invalid. Each time this has been disputed it has been removed. I want this company to stop placing invalid items on my credit report. I want this collection removed from all XXXX credit bureaus.
Consumer complaint received 2016-10-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (CO)

I had a delinquent loan with Navy Federal Credit union. I was repeatedly called and threatened with legal action, and notification to my XXXX XXXX. I was also locked out of my accounts, so making payments was not possible. I did not know this illegal debt collection processes until the recent case by the Consumer Financial Protection Bureau.
Consumer complaint received 2016-10-19
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NJ)

Regarding loan # XXXX JPMorgan confirm their findings as provided before. 

However, for the record please note that apartment XXXX 'never ' had an equity loan. I had another apartment, which unfortunately I was almost forced to sell last year, XXXX against which I had maintained a line of credit. The loan with JPM which I believe must 've been taken under WAMU or even Dime Svgs Bank, was taken a long ago which matches the XXXX filing. This line of credit 'did not ' exist up until recently as JPM seems to indicate. 
I have been asking about the line of credit that was been reported every time I called to get a status on my current mortgage loan, but never got a straight answer. Instead JPM had in their files a UCC under a complete different apartment number and owner listed under my records. 
I 'm glad that this issue got finally corrected. 
I am very disappointed though at JPM 's decision to not respond to my question regarding the loan they issued to XXXX XXXX XXXX XXXX XXXX in 1996 ( originally thru Morgan Trust Co ) As a shareholder in that Co-op I should be able to obtain the requested information. I did n't realize how bad the real estate market had hit until I started to review some documentation for the Co-op which raises some questions which oddly enough Management Company, Sponsors, accountants, etc have kept secret all these years.
Consumer complaint received 2016-10-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MO)

Wells Fargo mis-calculated my Projected Escrow Schedule for XXXX. It reported that there was a {$470.00} escrow shortfall, but there actually is no shortfall. Wells Fargo only included 11 months of escrow, not 12 months. My monthly escrow payment is {$540.00}, but Wells Fargo did not include an escrow payment for XXXX XXXX.
Consumer complaint received 2016-10-19
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Shea Mortgage Inc. (VA)

We sold our home and because of the new regulations we had to rent numerous storage units and find temporary housing rather than being able to do simultaneous closings as we have done for the past 40+ years! We have incurred XXXX dollars in incremental, unnecessary costs as a result of the new regulations that also require the mortgage companies document that the monies from the sale have POSTED, not be pending before they will send the new home purchase docs to underwriting. Add to this the additional days to review documents that take literally minutes to review and if an error is found the timer starts all over again! Today is XXXX XXXX and we are in day 12 of our limbo situation with no line of sight into a closing date. There was additional delays on the sale of our home as a result of the same regulations which added to our storage costs. Who is regulating these regulations and calculating the incremental XXXX dollars it is costing consumers to store their property and find alternative living arrangements? THIS IS NOT THE FAULT OF THE MORTGAGE COMPANY NOR THE TITLE COMPANIES, THIS IS A REGULATORY ISSUE! Also note, the address I am REQUIRED to provide in this complaint is my INTENDED address as I have no REAL mailing address as a result of these regulations! I am effectively HOMELESS!
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I had transunion for 2 years and there was XXXX time I went to the bank to get a credit card. I had looked up my credit score on transunion they said it was in the XXXX range so I went and applied for a credit card. Bank calls me back and tells me that my score is a XXXX which is too low for them but more alarming is that the difference of XXXX points and now because of that I have a bad hit on my credit for getting denied. Complained to transunion they said they could n't and would n't do anything about it.
Consumer complaint received 2016-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XXXX XXXX 2016 XXXX took a fraudulent application for credit and ran it anyway through the transunion bureau. Transunion had a credit freeze due to fraud on the account but permitted this to go through anyway. I called today to dispute this and was told that it was not transunion problem, but if i paid them money they would put a lock on my account. also transunion also stated that even though they placed a freeze on my account there was no phone number listed on it. needless to say, i have a hard inquiry that should not be there, transunion tells me that i should call XXXX XXXX ( but the number that is listed on the credit report does not work and when you XXXX the number you need an account number ) so there is no way for me to get in touch with the company. when i told this to the rep they became loud and yelled at me, they told me that it is my problem and that i should dispute this elsewhere since its not their problem
Consumer complaint received 2016-10-19
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION (AL)

I am late with my car payment. I called Credit Acceptance Friday XXXX XXXX, XXXX and made a payment arrangement for Friday XXXX XXXX, XXXX. I explained to the repersentative that I had just started woring full time and would get my first check on Friday and I could make the payment. Today I went to drop my daughter off and my car would not start. I called Credit Acceptance and asked if they disable the car and was told they did not. I called 3 times and each time the rep acknowledge that I had a payment arrangement for Friday and asked me if I wanted to make a payment then. I explained why was calling and each time I was told they did not disable the car. The last person I talked to I told her that I had someone to look at it and was assurred it was the realy switch. I was put on hold for about 5 mintues. When the rep returned she said she was trouble shooting but could n't get a response. I was told to have the car towed to the dealer and have them to look at it to see if it was defective. If it was n't I would have to pay for whatever was wrong with the car.
Consumer complaint received 2016-03-02
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (CA)

Account # XXXX. I recently consolidated my school loans with the Dept of Education ( from Navient ) .There were 2 payments released to Navient. The payments should have been made to the US Dept of Education. Unknowingly, I still submitted those payments to Navient. One of those payments ( {$8.00} ) was processed and transferred accordingly after I faxed over the evidence. It has been weeks since Ive heard anything about the 2nd payment. The payment in question was made on XXXX XXXX, 2016 from an ePayment ( {$170.00} ) with XXXX XXXX. That payment from me seems to be stuck in cyberspace and I am not receiving feedback about this transfer. I faxed over evidence showing proof with still no feedback ...
Consumer complaint received 2016-03-02
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (NJ)

I had a Prepaid American Express SERVE Card which was originally for a mobile wallet. I have n't used it in a year and in XXXX received an e-mail my balance was {$0.00}. and fee could n't be taken in full. I was unaware of any fee. I check and there was a lot of fraud transactions between my XXXX XXXX, XXXX statement and the XXXX/XXXX/XXXX statement. The balance had been around $ XXXX. I called and explained every transaction was fraud. He offered {$9.00}. back out of my {$57.00}. After many reps and their fraud dept. they started giving me credits well above my original balance. I tried to explain it was too much and just wanted my original balance back. I closed the acct and they refunded the high amount of {$85.00}. Now I get an email saying I have a negative balance, so I call and they want {$79.00} back. So now that leaves me {$5.00} credit from my original {$57.00}. 
I ca n't access online statements anymore and their customer service claims they have no access to anything before XXXX/XXXX/XXXX, so they ca n't see my XXXX/XXXX/XXXX balance and ca n't refund me any money. So basically they refuse to do anything. 
If you go read their Serve XXXX page many people have similar issues and there are many online forums with frustrated customers who ca n't get refunds. I 'm attaching my letter to them which has gone unanswered.
Consumer complaint received 2016-03-02
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MO)

A short sale contract/offer was submitted to Ocwen on XXXX/XXXX/XXXX. Though a file manager was assigned on XXXX/XXXX/XXXX, and though I spoke and exchanged email with escalations, and though the file was identified as requiring a loan modification offer and denial in XXXX, the file has still not been deemed complete.