davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

My Name is XXXX XXXX ( aka XXXX XXXX ) and I applied for a mortgage through Bank of America with lender XXXX XXXX. On XX/XX/XXXX, he asked for my credit card to pay for the appraisal. However, on XX/XX/XXXX, at XXXX I texted XXXX and said that we want to put the appraisal on hold because we were not sure whether we are moving forward with the home loan because there was a possibility that my husband 's grandmother would need to move in with us due to COViD and we were going to put the home buying process on hold. A On or about XX/XX/XXXX, I saw that BofA charged my credit card {$840.00} ( the charge was made on XX/XX/XXXX ) for an appraisal. I called XXXX and asked for a refund. On XX/XX/XXXX, I received a credit on {$120.00} from BofA. I called XXXX again, he said that they probably did a drive by appraisal and that's why they may have refunded me some of the money, but he's not sure. He said he would look into it for me. 
After going back to XXXX several times, I received a 2nd credit on my card fro {$1.00} on XX/XX/XXXX, which seems like a very odd amount. 

I realized that XXXX was unable to get my refund so I called BofA directly. I was passed around and disconnected several times-no one knew who could help me. After 2 hours, someone was able to give me the process server 's name-XXXX XXXX. They reached out to XXXX on my behalf. I did not hear from XXXX so I reached out to her. XXXX then private messaged me and said the appraisal was completed and any further questions should go to XXXX. That was all she said. I asked when the appraisal was done, but she never responded to me. 
I reached out to XXXX again, he said that the executive director was very angry with him and told him they completed the appraisal and will not return my money. XXXX said the director blamed him for the mistake. XXXX said he got in " a lot of trouble ''. He told me he didn't know if the appraisal was done. 

I messaged XXXX again and asked her when the appraisal was done, why I never got a copy of the appraisal and why the refunded me {$1.00} but she doesn't respond. She diverts my emails to XXXX XXXX stating XXXX will answer my questions. 

I spoke with XXXX today. He said he cancelled my appraisal on XX/XX/XXXX and it seems the appraisal was ordered by BofA on XX/XX/XXXX. XXXX said BofA received the appraisal on XX/XX/XXXX. He said he cant help me any further. 

I never received a copy of the appraisal. BofA will not tell me why they refunded {$1.00} and they are not responding to my private messages either. 

I have filed a dispute with my credit card too. 

The loan # is : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-09-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

I submitted a file to Rushmore Loan Management for a loan modification through XXXX. I also filed Chapter XXXX Bankruptcy to get rid of the arrears of the loan. Rushmore is trying to recoop the arrears which I do not have by paying upfront funds of {$8000.00}. They have also given me a sale date and a modification which is duress. I can afford the {$1200.00}, but the upfront funds of {$8000.00} I do n't have that is why I filed bankruptcy. The sale date is scheduled for XXXX XXXX, 2015.
Consumer complaint received 2017-03-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Patenaude & Felix A Professional Corporation (CA)

The Collection Agency - Patenaude and Felix - put a lien on my bank account and without warning extracted funds ( {$12.00} ) from my checking account. I subsequently called them and spoke to a representative offering to arrange a payment plan. He declined my offer insisting the only way to avoid having funds withdrawn from my bank account in the future would be to pay the entire balance in full immediately. Of course, this is impossible for me to do otherwise I 'd have done so by now. This concerns me greatly as I have a joint bank account with my wife. The thought of having funds withdrawn from our account is now something we constantly fear. I just want a payment plan that I can afford.
Consumer complaint received 2020-05-26
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

1. XXXX XXXX XXXX XXXX. I have not received any updates or request of more info. When I have saw the charge in XXXX I have called and rude rep said that there is nothing to do. NO ONE EXPLAINED anything. also I have explained that XXXX XXXX   demanded payment for holding truck hostage they made us sign the blank invoice. They just did not let our truck go before we pay them. So they did not provide the service and just demanded the money. I had prove that we had to fix the truck in other show. But looks like Capital one supports this fraudulent activity and did everything by not providing me ability to explain the situation more if they needed. Just waited the time and charged back. 
2. XXXX again same story. NO LETTER WAS SENT TO ME!!!!!!!!! the same thing as with XXXX XXXX XXXX XXXX  Capital one did everything do not provide the ability to respond. I HAVE NOT RECEIVE ANY MAIL, EMAIL, OR CALL. THERE IS NO OPTION TO CHECK THE CLAIM STATUS ONLINE. 
3. XXXX there is no credit posted as of today XX/XX/2020
Consumer complaint received 2020-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

On XX/XX/XXXX, I made a {$1000.00} payment on the USAA app towards my credit card balance. USAA drafted the funds out of my XXXX XXXX XXXX checking account but never applied the payment towards my credit card. I reached out to them a couple of time and finally on XX/XX/XXXX, a work item was established by them to review my complaint. On XX/XX/XXXX they sent a letter asking me to get a copy of the ETF form from the bank and a copy of the cleared check. XXXX XXXX XXXX does not keep etf data past three months and no paper check was ever generated since USAA sent an electronic request for the funds. I sent USAA a copy of my bank statement showing the internet payment to them. On XX/XX/XXXX, USAA sent me a letter stating that a billing error did not occur and no further action would be taken. On XX/XX/XXXX, I spoke with XXXX at USAA and we went around several times regarding my inability to provide electronic records of a payment initiated on their app. Finally I asked to speak to someone else and was then transferred to XXXX in Executive Relations Team. He told me that without an etf form from the bank they could not help me and my bank statement was not adequate.
Consumer complaint received 2015-12-17
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (TX)

I opened an online savings account with Discover Bank based on a targeted offer I received in the mail. The offer was to include a {$100.00} bonus if I deposited {$15000.00} by XXXX/XXXX/15. The bonus was to be credited to my account within 30 days of receiving the required deposit. I opened the account with the deposit of {$15000.00} on XXXX/XXXX/15. The deposit was posted to my account on XXXX/XXXX/15. As of today, XXXX/XXXX/15, I have not received the credit that was promised. I called Discover customer service, and they informed me that I have done everything to qualify for the offer but do n't know why I have n't received it. They told me I had to put a ticket in with their marketing department and it would take 4-6 weeks to resolve. Discover Bank seems to be taking an excessive amount of time to post deposits to make interest off of the " float. '' In addition, they are not following through with the bonus offer that customers agree to. These are unacceptable business practices and consumers should be aware.
Consumer complaint received 2015-04-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (AZ)

i submitted a shortsale package to ocwen on XXXX, this was prepared by a lawyer and absolutely flawless, it included all the documents and forms the lender department of justice required to be reviewed for a hafa shortsale. after probably XXXX hours of utter mystery ocwen today send me a letter telling me that we do not have enough time to do a shortsale. is this a joke i say. they as in ocwen use a 3rd party XXXX to list my property at auction at a price that was over XXXX of my home my house is worth about XXXX and in horrible condition bottom line unlivable, but i manage in my slum. how can they do this when they listed it for over 60 days on this auction. i was told the foreclosure would be on hold during and after this XXXX time period the auction completed and there were no offers, not urprising. this is absurd how this is happening. i live in my house i am a veteran and i am getting frclosed on when i have been trying to get a shortsale approved since XXXX. this is unfair and i am contemplating legal counsel to contact ocwens legal department. i should not foreclose and ocwen should be more attentive to their investors files. please help my foreclosure is XXXX ocwen is XXXX and in another XXXX XXXX country for crying out loud. can you have an XXXX that i can understand contact me please. no offense XXXX
Consumer complaint received 2015-07-30
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Navient Solutions, LLC. (MT)

The number is calling my cell phone number, my brothers number, my parents, husband and my work direct line constantly for the past 2 months. They have also called HR at my work XXXX to try and get them to verify employment by giving my SS #. When asked for caller information, she refused to give it.I refuse to talk with them or verify anything until they state who they are.
Consumer complaint received 2016-02-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (IL)

I have been fighting with Nation Star for a long time now, this company keeps giving me XXXX. I have been denied several times due to discrepancies on their behalf. I used to have a business before and they kept asking for proof of my business even though I had informed them that I had lost my business. They also denied me for not having proof of occupancy even though they had utility bills and much more under my name and property address. Moreover, this is my only property. I do not own or have any other properties. To make matters worse, I recently got denied for having negative disposable income. How can this be if I have a surplus at the end of each month. I have sent bank statements, my paystubs, and my expenses. I also got denied for a modification because according to them I did not submit enough information regarding rental income which I do not have as I live in the property myself. They also said that I had marked that my home was a rental property. How did they get this information? Again I do not even have renters or a rental property and I sure as XXXX never checked that I have rental property. When I called in to Nation Star several representatives refused to acknowledge the internal mistake. Finally, after threatening to involve my attorney general XXXX XXXX I was transferred to their escalation and was advised an internal investigation would be open on my behalf due to all discrepancies on their part. At this point I have not received anything in writing regarding my complaint with Nation Star therefore I am reaching out to you directly for help. I was supposed to receive the Clarity Commitment modification as part of the settlement from the Department of Justice from XXXX XXXX XXXX but before my modification was completed my loan was transferred to Nation Star. They were supposed to finish the modification on behalf of XXXX XXXX XXXX however that never happened. Thus me still being on the verge of being left homeless due to their incompetence. They refused to honor my modification despite providing proof I received from XXXX XXXX XXXX. Nation Star excuse was that the investor was no longer participating in the settlement. Please help me shed light to this unjust matter. I am tired of going in circles and not getting modified. Please I am begging for your assistance in this stressful matter. I do not want to lose my home. I should have been modified years ago, yet Nation Star continues to prolong my foreclosure so I end up losing my home. Thank you in advance for your assistance. I hope to hear positive news from you soon.
Consumer complaint received 2016-06-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Reference Case # XXXX Still having great difficulty communicating with BOA applicable employees/customer service reps/robots. None of the latter return phone calls, have voicemail, and obviously do not listen a/o care about any such msgs left on their extension #. It 's either incredible or purposefully planned this way by BOA management ( XXXX ). If ... ... ... .because of BOA 's deliberate/disinterested lack of support and response ( s ) the short sale offer on our waterfront lot is withdrawn by the interested buyer, what action ( s ) can we take vs. BOA?
Consumer complaint received 2019-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

XXXX my cell service provider I have been with since XX/XX/XXXX. In XX/XX/XXXX-XX/XX/XXXX they began asserting that I owed an amount of {$600.00} for services not paid for/not transferred to from different service plans when the 4 phone lines, the equipment and previous amounts owed at that time. I am a XXXX XXXX XXXX XXXX veteran retired military now but was XXXX  during when these issues began. For nearly 9 years I have wrestled with XXXX and their revolving debt collectors slandering my credit rating with their erroneous collection information and fraudulent amounts owed and with XXXX to remove the information. After XXXX County Sheriff 's department investigated this matter they found that XXXX nor their debt collector XXXX XXXX could prove or substantiate the charges. XXXX XXXX then removed the information from my credit report. XXXX in unprofessional business practices and outright fraud hired another/sold to another collections agent the account and the process of attempted to clear my credit continues to rotate to another collections company as the current one is investigated and then found at error clears the fraudulent information from my report. I am under contract to purchase a XXXX equipped home for the XXXX I incurred in military war service. The actions done to me by XXXX, XXXX XXXX and currently Credence Resource Management is in the process of causing my home financing to increase drastically in interest rate or fail altogether.
Consumer complaint received 2020-05-25
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: CITIBANK, N.A. (FL)

I have a Sears Mastercard and was given a 6 month promotion for a purchase of {$1000.00}. 
The promotion was due to expire on XX/XX/2020. 
I always make full payments on my currant charges for the prior month to avoid interest charges. 
My last statement payment was due on XX/XX/2020 and I made a payment to cover all charges, {$910.00}, made on this statement. 
The credit card company applied my payment to the promotional balance instead of my currant charges despite the fact that the promotion did not expire for 30 days. 
I even took the additional step of calling the credit card company 10 days before the XXXX payment was due to make them aware of how the payment was to be allocated, and was assured by their representative that the entire payment would go to the currant charges and not the promotional balance. 
By applying my payment to the promotional balance I am being charged a very high interest rate, 25.25 %, for a minimum of 2 months on all my purchases. 
This is the second time I have been subjected to this deceptive advertising practice by Sears Mastercard.
Consumer complaint received 2020-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am in good standing with all of my accounts have paid down a considerable amount of debt in the last couple of months and even had a credit score in the 700s. After the cares act in XXXX, my student loans were put in forbearance through that act and I believe that they are being falsely reported because when I check my credit recently I have a 40 point credit decrease. And this time I have not open any accounts and made any debt or or hard inquiries. I really need help in investigating this manner because a 40-point decrease a my credit score does not make sense to me and the only thing I can see on my report is remarks from the department of education and it does not provide any further information about why my credit score has taken such a large hit.
Consumer complaint received 2015-06-12
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

In accordance with the Texas Debt Collection Act you have filed a cancellation of debt and are suppose to cease collection efforts. Ocwen and XXXX XXXX company cancelled my mortgage debt and I received a XXXX and letter from them as well as it is reflected on my credit report. I contacted them to tell them that there must be a mistake. After multiple attempts trying to rectify the situation they sent me a letter confirming the XXXX balance and reported it to the VA. A few months later they come back and say I am delinquent. I filed the XXXX like I was suppose to and created a debt of XXXX. Had to file a XXXX to get that forgiven. Now they are still wanting to collect and foreclose.
Consumer complaint received 2015-09-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: DISCOVER BANK (WA)

I have been getting calls from Discover Student loan almost daily, some times more than twice a day. Early morning, late night. I spoke with my Account Manager to arrange payments of {$300.00} per month. I have been making my payments online through XXXX XXXX. It did n't stop the calls and emails saying that I missed payments. When I spoke to my account manager, although they are trying to be polite, they are very condescending and keep saying I am not making payments which is not correct. Unlike XXXX XXXX who is more willing to listen and give more information on how to pay without putting me and my family ( I am single mother ) in financial hardship, they kept asking me " When in XXXX XXXX next month ) can we start the payment of {$680.00} XXXX which is more than double of what I currently pay )? '' They practice of debt collection should not be legal and I do n't believe they are disclosing information and options for my loan payments. 

I know XXXX XXXX is not perfect, but they at least talk to me like a customer and a human. They give me the opportunity to present my expenses and income and work out a number that will work. Not a " sales '' call to get as much money that I can not afford out of my paycheck and threatening to take legal action, threatening me not to ever take my loan out of default unless I pay everything off.. the whole {$23000.00} with interest, even though I make payments monthly? That is putting a burden on my finance having that on my credit history for however long it takes me to pay that off. instead of working out a number that can work for both side in a long run. That is a big chunk of money that they requesting. They absolutely do not care about education loan industry. They should be not be providing student loan with the collection practice.
Consumer complaint received 2015-05-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MD)

I have been trying to get a modification for XXXX years from XXXXservicers. XXXX was the XXXX servicer who set up thetrial modification but never finalized it. They sent a lettercongratulating the finalization but never sent the packet by XXXX. Ocwen received my loan XX/XX/XXXX, 2010 but stop taking payment on XX/XX/XXXX2010. The reasoning was the investor does not acceptmodifications. 
I need some help resolving this issue immediately.
Consumer complaint received 2020-05-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX/XXXXDispute XXXX XXXX  XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXXXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute Chapter XXXX bankruptcy dismissedDispute all above are major violations XXXX XXXX  didn't remove my public records
Consumer complaint received 2016-03-17
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

I was sent an email from XXXX XXXX saying he wanted to know if I wanted a job paying {$500.00} a week to carry the XXXX logo on my truck. Told him that I was interested, he took my information and sent me a contract from the company XXXX drink. Told me he would send me a check from the company account for XXXX. Seven days later I received the check he told me that I need to deposited the check as soon as I received it because I need to send the money to XXXX XXXX the artist that would be wrapping my truck with the XXXX. After I deposited the check he told me to send XXXX XXXX and I was to keep XXXX as a down payment and that when she came out she would bring the rest which was XXXX. So I did a couple of days later my bank said the check was no good and that they were sending the check back but because I withdrew the money to send to XXXX XXXX I was responsible for the check. Now my checking account has been closed and I am out of XXXX because of the wire transfer fee. I have all the information reference number, amount, where it was sent and who was picking it up. I need help ... .please. Will I be able to get this money return to me or what is the next step?
Consumer complaint received 2015-11-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (FL)

I was through a some financial difficulties back in the beginning of the year ( layoff ). I was late on some of my monthly payments. I requested a payment plan to my mortgage company which they did and I started paying it off. By the time I sent out my last payment, I was told it was a mistake on the calculation and they needed to get another XXXX and with that I would be up to date including any late fees. I just got off the phone and they said I still owe over XXXX hundred dollars of late charges. Can they keep charging late fees on calculations they made?