davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: LAKEVIEW LOAN SERVICING, LLC (CO)

Starting XX/XX/2023 my loan was transferred from XXXX XXXX to Lakeview Loan Servicing , LLC. Prior to the transfer I had been receiving regular correspondence and statements from XXXX XXXX. After the transfer, Lakeview began sending correspondence to a wrong mailing address. Due to this error on the part of Lakeview, I was not notified of my new loan servicer, that my automatic payments had been interrupted, or where to send my mortgage payments. As a result of this, I was not aware that I had a new loan servicer or loan payments were not being processed until XX/XX/2023 when I received a notification that my credit score had decreased due to missed payments to Lakeview Loan Servicing. I immediately called Lakeview and paid my outstanding balance in full. During this call, Lakeview notified me that they had been getting Return To Sender on all correspondence they had sent to the ( wrong ) address on file. They agreed that this was an error on their part and waived the late fee assessment. I then sent a formal to their credit disputes office requesting that the late payment resulting from their error be removed from my credit report. They again agreed, and notified the credit bureaus that the late payment should be removed from my credit history. Currently, my online loan account shows that I have no unpaid fees or past due balances. However, I received a paper monthly statement for XX/XX/2023 which states I have a Past Due Amount of {$25.00}. I again called Lakeview and asked why this was on my paper statement but not on my online account. They did not answer my question but insisted repeatedly that it was a fee associated with my Closing. I repeatedly told them that my closing was 17 months ago and there were no unpaid fees associated with it. After being repeatedly challenged on their lie, they finally told me that it was a " Corporate Fee '' from an inspection they ordered as a result of my late payment from XX/XX/2023. I told them that the late fee had been waived as it was charged as a result of their error, and therefor this associated inspection fee should be waived as well. They informed me that they are unable to refund this fee, refused to let me speak to a manager/supervisor. They then said that I could speak to their " escalation department '' to attempt to resolve the matter. After being placed on an extensive hold they then said that I actually could NOT speak with their escalation department and that yet another formal letter must be sent to their disputes department.
Consumer complaint received 2017-01-03
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: AMERICAN EXPRESS COMPANY (WA)

After XXXX bounced payment in early XXXX XXXX, American Express did not notify me that it was doing an audit of my account. Then, without notice of a delinquent payment or a review pending, it reduced my limit on XXXX/XXXX/XXXX by {$1500.00}. I am not aware of any contractual provision that allows them to do that. I suspect a possible breach of contract, unconscionability and breach of duty of good faith and fair dealing for this unilateral action. 

I then called the following day ( today ) to restore my credit. They said over the phone ( XXXX # XXXX ) that if I paid {$2900.00}, that my limit would be automatically restored within 30 business days. I accepted their offer and made the payment to try to restore my credit. I then found out that they would not be able to do so by the time the reduction would be reported to the credit bureau. I asked her to escalate or accelerate that process and she said that there was no such process and that no such process exists. I then spoke with her supervisor who affirmed the same. This turned out to be false and misleading statement from a credit agency as I later found out that escalation is in fact possible. 

I then asked the credit bureau reporting division of American Express what I could do and they said that whatever was current as of XXXX XXXX, XXXX, that that would be what is reported to the agency. So, to try to reduce the damage to my account, I paid the entire balance and closed the account. I then called to confirm that this is what would be reported to the bureau ( rather than the reduction in limit ) and they informed me that the newly assessed limit would be reported, together with the closure. I told them that I was promised that the limit would be increased if I made the payment and they sent me back to the credit lending department. That department agreed to escalate the matter and adhere to their agreement to increase my credit limit if and only if I re-opened my account. But that was not a term that I had agreed to. In fact, there was no mention of keeping the account open when the offer to accept payment and re-increase my limit was made. They then offered to escalate ( previously denied ) if and only if I re-opened the account. That is to say, they would only honor their promise if I agreed to re-apply for the same exact credit card and submit to a credit check. This appears to me to be a breach of a duty of good faith a fair dealing, breach of an oral agreement, and misrepresentation.
Consumer complaint received 2016-09-27
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (TX)

Hello, I have a complaint about XXXX XXXX. 
The story : I was approved for XXXX XXXX XXXX credit card on XXXX/XXXX/2016. There was a sign up bonus offer for this card. I should spend {$3000.00} in 3 month in order to receive XXXX MR bonus. 
The requirements were fulfilled and the bonus was received on XXXX/XXXX/2016. 
The card does not suite my expectations and I closed it on XXXX/XXXX/2016. I have XXXX XXXX XXXX card and it is connected to the same Membership Reward program number. 
On XXXX/XXXX/2016 without any prior notice XXXX MR points were removed from my account. 
On XXXX/XXXX/2016 Online chat XXXX XXXX representative indicated that my Membership Rewards account is currently being reviewed to make sure the total of all eligible purchases meets the spend requirement during the promotional period. 
Later I called Customer support and two XXXX XXXX representatives and one XXXX XXXX supervisor insisted the Terms and Conditions were violated. They said that I should keep the card for at least a year in order to keep the points. I asked to show me this term in XXXX XXXX Terms and Conditions. Every Representative spent from 20 minutes to hour in order to find the term and failed. Next XXXX XXXX supervisor said that the spend requirement was not fulfilled which was incorrect. 
Another XXXX XXXX supervisor said that there was an ongoing review process. I was not informed about it. Supervisor indicated that, due to the review process was finished after the XXXX XXXX XXXX credit card was closed ; they were not able to put the points back. That does not have sense. I fulfilled all the requirements, received the points, was not notified about review process, and did not abuse any part of Terms and Conditions.
Consumer complaint received 2016-05-23
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Caliber Home Loans, Inc. (NJ)

I contacted XXXX XXXX XXXX # XXXX regarding a mortgage. I explained to him from our initial conversation that I previously had a short sale and wanted to know if I would still be eligible for a mortgage, he proceeded to ask me for personal information and replied that there would be no problem in getting me approved. I disclosed to him that I wanted to buy the same house I previously owned, he stated that would n't be a problem. He provided a pre-approval and had me complete and signed disclosures. One week prior to closing and after paying for inspection/appraisal and attorney fees he called me and stated it could n't be done. We started to look again for another house, found one and he said that now we would n't have an issue ( all supported by emails, text and conversations with my attorney ). Again I paid for inspection, appraisal and he came back almost 2 months later stating he was asking for an exception and needed additional documentation. I was told by his previous employer XXXX XXXX XXXX that this was not the 1st time he did this to a client which is why they were in the process of firing him before he left. He is now at Caliber Home Loans, he is deceptive and treated me unfairly. He should not be allowed to work in this line of business as I am sure I am not an isolated case.Having me incur over {$3000.00} in expenses in addition to time and XXXX clearly demonstrates he is unethical.
Consumer complaint received 2015-12-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (LA)

I have been declined for fraudulent reasons by Caliber home loans. I have been trying for months to get a loan modification. I am over my hardship. Caliber is now declining me because I 'm over my hardship and back on my feet. They state I make to much money. They are also declining me based on FRAUD appraisal of my property. They state I have a LTV of 70 %. I have spoken to a licensed appraiser and a real estate agent. They value the Caliber is using is 100 % fraud. I thought that the lenders in America would learn from the greed and mistakes from the mortgage crash of 2008. Caliber is clearly acting like a predatory lender.
Consumer complaint received 2016-05-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NJ)

In my XXXX past complaints with the cfpb about Caliber Loans, I received XXXX, conflicting responses to the same question which only adds to my confusion. According to Caliber, XXXX no longer owns my loan, yet Caliber has not registered this wit h XXXX land records. Their response was when it goes to sherrifs sale and is sold, then the transfer witll take place and that it was registered on XXXX XXXX and is pending. As soon as it goes through, I will be notified. As of XXXX XXXX land records has no record of this. 
Which is it?
Consumer complaint received 2016-11-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (SC)

On XXXX XXXX, 2016, I mailed Registered Mail ( # XXXX ) to Nationstar Mortgage and it was received and sign for on XXXX XXXX, by XXXX XXXX XXXX. A STATE CERTIFIED BOND ASSIGNMENT was enclosed for the amount {$230000.00} to payoff the loan, with the payoff statement. Nationstar Mortgage acknowledged that payment was received and the account was never credited and closed. Nationstar Mortgage have not sent my Bond Payment back to me, the account should have been adjusted to SATISFACTION IN FULL., to this day, it is not. I would like to have my money back or adjust the account and closed it. UCC XXXX, states if a tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, the debt is discharged. Please investigate, there is some fraud taking place.
Consumer complaint received 2017-02-24
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

In 2006 members of the community HOA opened a CD with Fifth Third Bank or a predecessor bank. As the current President of the HOA, I tried to redeem the CD and was told that since I was n't an original signatory, I could n't redeem the CD, that the original signers would need to come in. There are two problems with that. First, neither I nor the bank know who those individuals are. They looked at the original form and could see signatures but there were no names. The second problem is that the CD was opened eleven years ago and board members from that time have either died or moved away. 
Our property management company is named on the CD but they ca n't get the funds either. The CD matures on XXXX and will automatically roll over again unless redeemed. Any assistance would be greatly appreciated.
Consumer complaint received 2016-08-03
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Bridgecrest Acceptance Corporation (TX)

Bridgecrest calls me up to 10 times a day and has now started calling my work after I asked them not to. I recently got behind on my car payments and contacted the company to make payment arrangements. I was told that it was pay or else. I have also been told that they will move one of the payments to the end of my loan and they do n't ever do it. They send emails saying they will work with me if I call them but, when I call them they tell me there is nothing they can do. 
Below is the email that I sent to them on XXXX/XXXX/2016 DO NOT EVER CALL ME AT WORK. You tell me you will work with me on payments and that is a lie, all you do is tell me that I need to schedule a payment and I ca n't do that unless there is money in my bank account. You have told me that you will move one of my payments to the end of the term and that is a lie as well. I was also making extra payments that were suppose to catch me up, and found out later that you decided to just apply that to my interest ( I 'm assuming so you could keep me behind ). I have stayed in contact with you guys when this first got behind and tried to resolve it then, and was told there was nothing you can do other than schedule a payment to come out of my account. I have had XXXX cars with your company and have n't ever been behind until last year when I lost my job and yet again all I was told was sorry, there is nothing we can do. I spoke very highly of your company until I tried to resolve this issue and was given a pay or else option. 

I will hopefully make another payment by the end of the week.
Consumer complaint received 2016-02-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (NY)

While reviewing my XXXX AND XXXX credit report, I noticed an unauthorized and fraudulent inquiries initiated by BMW FIN SVC on XXXX/XXXX/2015. I did not authorize any employee of BMW FIN SVC to review my records for any purpose at any time. Further, I personally contacted BMW and requested that this adverse information be deleted from my report and/or provide me with any verifiable documents signed by me authorizing them to review my reports within 5 business days. T o this extent, BMW FIN SVC disregarded my request in clear violation of my civil rights under FCRA and PRIVACY RIGHTS Act. As a direct result, I have continued to suffer irreparable economic loss including but not limited to my inability to secure meaningful employment, housing and/or obtain new credit, due in large part to the gross negligence of the BMW FIN SVC employees acts and omission.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2016-02-11
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I started a mortgage application with BOA because they solicited me about possibly reducing my current mortgage rate with them. I am a current mortgage holder with BOA. We went through the entire process and got to the end where we were setting a closing date and they asked me if my home was on the market. I said yes and they said we can not continue. Why did they not ask this at the beginning. They advised me to take the home off the market which I did for 6 months. Then 6 months later, we started again, had the appraisal redone and then they declined me because I had business expenses on my American express and my income could not validate the charges. I have been a XXXX for 16 years and have had my XXXX since XXXX with no late payments. I get reimbursed for business expenses. They declined me again and I put the house back on the market. I voiced a complaint several times and they would not contact until I threatened to make a formal complaint. Then they said we need additional info to process the mortgage and I gave it. Then they said we can not refinance when your home is on the market. take it off the market again for 6 months. This has been a bait and switch since the start and cost me money and time I do n't have. BOA is so unprofessional. Now over a year later my re-fi still has not been done. Not to mention I had to XXXX them every step of the way to get anything done. I think they did not want to give me the lower rate at all. They are happy to trap me in at their higher rate.
Consumer complaint received 2017-02-06
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Bank of America file false insurance claim and cash insurance check with my name on it without my approval or signature. Bank of America claimed a property was vandalism on XX/XX/XXXX. A tenant was in the property and this is NOT true. They claim a window, door, deadbolt lock, ac, dishwasher, and light fixture. It 's never been a dishwasher in the property there is no space or connection for a dishwasher. They made the claim in XXXX because they new I had insurance in XX/XX/XXXX and this is the last date they could make a claim. They have no report to verify this claim. They are doing this on many property. I 'm aware that they did it to someone else as well. I surrender the property in a bankruptcy. They did n't take possession of the property until XX/XX/XXXX. Bank America Foreclosed on the property and then filed a report for the last date of my policy. Bank America is making false claim on property because they know that the average home owner will never know. Bank of America did n't have possession of the property until XX/XX/XXXX. They gave the tenant cash for keys in XXXX. This is a false claim.
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CO)

When I returned to school to earn my XXXX, I called XXXX ( now Navient ) to lower my payments. They recommended in school deferment, which I accepted. After XXXX years, my repayment amount had increased by thousands. I was n't made aware at the time that there were other ways to reduce my payments without incurring so much interest. 

In addition, when I got married my bank account information changed. I used to have XXXX monthly payments that debited from my savings account. With the joint account, Navient started charging each loan payment separately, over using my savings account and prompting bank fees. I tried for several months get service assistance to switch me back to XXXX payments. Each time I called, I waited over XXXX minutes to reach a human being. When I finally did, it took XXXX different calls with different people to actually make change and get it to stick. I 'm down to XXXX payments rather than XXXX, nobody can explain to me why they ca n't condense the last XXXX payments into XXXX, and I 've given up. 

Having such awful response time and customer service seems to be how Navient does business. They waste customers ' time and wear us out until we 're willing to tolerate only the minimum of assistance. 

I had my XXXX loans serviced by XXXX and they were AWESOME! Helped me through the process of applying for XXXX even though it meant those loans going to XXXX. I 've tried to get Navient to similarly assist me in rolling over my consolidated federal loans, but the XXXX day I had time to wait XXXX minutes for a person, they seemed to have no idea what XXXX was, much less how to get my loan into the program. 

If I thought I could give all of my remaining loans to XXXX I would, but nobody seems to know how to make that happen or how much it would cost or what my rate would be. I 'm scared of losing the ground I 've gained, but I 'm also spending the bulk of my income on loan repayment. Help please.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit
reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.