davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (CA)

I have a XXXX, someone got a hold of my information and took all my money. This is a card that my child support is put on. In the month of XX/XX/XXXX they took XXXX. I noticed it and called right away. I have the hardest time getting a hold of someone. They closed my complaint without calling me, because they said they never received my letter back that they sent me. I sent them the letter they sent me back and another one, a police report and then faxed two letters. They than sent me a letter that they denied my complaint. I was finally able to go online and create an account, once I did this I was able to see that they stole money in the month of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have my other bank account statements that show I used my other card in a different state on the same dates that this card was being used on. I have doctors apt and other things that I was doing in the state of California on the dates that this card was being used in the state on Nevada. I have called " XXXX XXXX XXXX '' a lot! He has NOT called me back or sent me any documents in regards to my complaint being denied. A total of XXXX has been stolen from me. I am a single Mother and this is my child support. XXXX, like I have said does NOT call me back or help me in anyway. I have been left on hold for over two hours at a time. My Father is a XXXX and I have asked him to step in and help me get my money back. I am looking to y'all to give me some kind of direction. Where do I send the certified letter? Who does my attorney need to be in contact with? There has to be some kind of insurance or something related to this card. I can simply it was not me using the card in the state of Nevada, and now I need my money back. Please Help ME!! On the, " California Debit Card '' Transaction History statement they sent me, there is a number on the bottom of the page for customer service, XXXX. When you call this number you get a man that tells you that you have won a, XXXX dollar gift card to XXXX. I have called this number a million times and each time I win the XXXX dollars. How can they have that much money to give away XXXX dollars each time? I asked to speak to a manager and they hang up. This is a fraud! All of the transactions that were made on my card where at a, XXXX in Nevada. I feel this card is a FRAUD and there is someone that works for it that has my information that stole it. I have filed a police report as well. I look forward to hearing from someone and someone that can Help Me!
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

There is a {$12000.00} outstanding mortgage balance listed on my credit report for a mortgage I no longer have. The XXXX XXXX XXXX XXXX XXXX took over the mortgage : first and second mortgage yet the second one continues to be listed on my all 3 of my credit reports : XXXX, Transunion and XXXX.
Consumer complaint received 2017-06-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AZ)

I originally had my student loans with XXXX XXXX which now Navient. I have a debt amount of {$11000.00} approx. in student loans. I am currently unemployed due to any injury to my back while working and have been out of work since XX/XX/XXXX. On numerous occasions I requested some kind of help from Navient before and after my injury due to financial circumstances, such as losing my home, losing my cars, taking a $ XXXX/hr pay cut at a new job. All the while the only thing Navient could offer me was forbearance for no more than a few months or a year. I have tried to send what I can to them, at times only {$20.00} because we are currently living on one income and still have children to feed and clothes. I do not receive any income for anything. Navient never once offered me any other type of repayment plan for my loans such as the Income Driven Repayment Plan, The Go As You Earn Plan, etc. Only offering forbearance plans. They are relentless in sending threatening letters in the mail about what will happen if you do n't pay your loan, etc. This has been going on for approximately 5 years. I recently have discovered that there is help no thanks to Navient from a XXXX XXXX and have consolidated my loans and now have been placed on the IDR plan. Nothing Navient EVER offered to me until just recently, XX/XX/XXXX, in another threatening letter stating that they would be forced to start accessing an interest rate of 24.34 %. I have asked them numerous times to not call me over the phone that I would do everything over email or mail. They did on numerous occasions after my requests call me and again harass me over the phone. They have also sent me letters under different company names such as XXXX XXXX XXXX, XXXX XXXX  ( This is the latest ), and Navient Solutions. This company has NEVER been cooperative or even tried to help me in any way, either lowering my payments, offering any other options, NOTHING! It is unfair how they have treated so many people in my same situation and it needs to stop! I will never have them as a loan service again EVER.I also have been made aware by many other students and friends of lawsuits against Navient that have recently come about for the same things they have done me.
Consumer complaint received 2017-06-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America claims that there is a Massachusetts state law that prohibits it from extending home equity credit lines to owners of homes held in trust. I tried in the early spring XX/XX/XXXX and again in XX/XX/XXXX to open a home equity line of credit to replace the one I have had for decades with Bank of America and that will expire in XX/XX/XXXX. Both times I was told that there is a Massachusetts law prohibiting BoA from extending a home equity line of credit for a house held in trust. I am trying to get a line of credit for the same house that I have a line of credit for for many years. <P/>Yet I have spoken with XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX as well as my estate attorney and have been told that home equity lines of credit are extended to owners of homes held in trust, subject of course, to scrutiny of the relevant trust documents but that most often there are no impediments to gaining a line of credit. <P/>My concern is that BoA is not truthful and that homeowners are not getting accurate information. <P/>I will apply for a home equity credit line early in XX/XX/XXXX, probably at XXXX XXXX XXXX, XXXX XXXX XXXX, or another local bank. I do not anticipate any problems.
Consumer complaint received 2017-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NV)

Homeowner/Borrower requested loss mitigation assistance in XX/XX/XXXX and received a TPP. While homeowner was making the TPP payments, servicer moved forward with non-judicial foreclosure anyways. Homeowner was not aware that the property had been sold in foreclosure until someone knocked on his door and advised him that he and his family needed to move out since they no longer owned the property. At that point homeowner complained to servicer. In XX/XX/XXXX, servicer acknowledged the unlawful foreclosure by instituting a court action to rescind the Trustee 's Deed Upon Sale. Homeowner was not served with the court documents. In about XX/XX/XXXX the court action concluded, resulting in a court order rescinding the foreclosure sale. In the interim, however, the property was no longer insured and sustained water damage for which homeowner has not received any compensation/repair to date. Moreover, servicer continues to pursue homeowner for all charges accrued during the period of time that it illegally sold the property out from under homeowner. A new Notice of Default and Election to Sell was just filed in about XX/XX/XXXX. As of today, there is no sale date. Homeowner has submitted an RMA package but was denied.
Consumer complaint received 2016-03-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a permanent loan modification through the National Mortgage Settlement from Bank of America on XXXX XXXX, XXXX. I paid three trial payments and then executed the permanent modification documents in XXXX XXXX. In XXXX XXXX, Bank of America subtracted the principal forgiveness as promised. I received a XXXX for {>= $1,000,000} for the year XXXX. I filed my taxes and claimed this loss. But the following month of XXXX XXXX, the servicer, Bank of America put the whole XXXX back on the loan. My mortgage statements still show old payments and old loan amount.
Consumer complaint received 2017-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is regarding my mortgage with Capital One Loan Number XXXX. Until XX/XX/XXXX my monthly mortgage payment was {$2200.00} but in month of XX/XX/XXXX you increased the monthly payment to {$5000.00}, without any prior notice and tried to withdrew that money from my account since I was under impression that only {$2200.00} is due so I never bother to arrange any money and the ACH requested got returned and the same this repeated next month as well. I never logged into my account in these two months but when in XX/XX/XXXX I logged back in I saw what happened and requested to take a payment on my account but because of these two unauthorized attempts of {$5000.00}, I immediately called Capital One there was a hold put on my account for Capital One 360 by XXXX XXXX XXXX but anyways I still sent a payment by Bill pay service. Had I knew this payment was coming in XX/XX/XXXX or sooner I would have made arrangements. In last 8 years I was never late leave the missing payment aside ; Even in XX/XX/XXXX bank told me my monthly payment will be {$3200.00} and some change but when I called Capital One 360 On XX/XX/XXXX, I was informed my payment was not {$3200.00} it {$3400.00} and the customer service representative I was talking to XXXX agreed on recorded line with her consent, that it was wrong information provide to me by bank. With this lack of communication from Capital One 360 this all had happened and negative items were reported to my credit bureaus. I request you to please remove this negative reporting for my account from all credit bureau. I do have all proof to prove it. I 'll appreciate this if you just take one thing in consideration that I have be a good customer for last eight years and take care of this and avoid me any further frustration.
Consumer complaint received 2017-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IN)

X/X/2017 card an unauthorized use of debit card at an ATM at XXXX XXXX XXXX XXXX in XXXX, indiana. XXXX transactions, consecutively. # 1 for {$100.00} + {$3.00} fee # 2 for {$100.00} + {$3.00} fee # 3 Chase stopped the charge. Received email from Chase at XXXX about charges. Email attached. Email opened between XXXX-XXXX on X/X/2017 Immediately clicked Link to say NO these are not my charges. XXXX XXXX XXXX XXXX XXXX XXXX Link said they would call me and stop my card. Nobody called. I checked my online account multiple times to ensure additional charges were not being incurred. Clicked the link in the email multiple times on X/X/2017 because I did n't receive a call. On XX/XX/XXXX I called Chase to ensure my account was closed and to get a new card. On X/XX/2017 Chase reversed my fraud claim with this reason : 1. I reviewed my online bank account more than 2 times 2. I did n't " report '' the fraud until XX/XX/XXXX ( while reviewing my account ). Called XX/XX/XXXX to dispute again, Chase advised to go file a police report and then fax it to them to reopen the claim. Called police on XX/XX/XXXX, they said to come in Monday. Filed police report XX/XX/XXXX. Purchased police report for {$6.00} to send to Chase via fax. Paid {$5.00} to fax police report to Chase on XX/XX/XXXX XX/XX/XXXX Chase denied my fraud claim again. Called Chase XX/XX/XXXX to dispute. Advised that my claim was denied again. 1. I reviewed my online bank account more than 2 times 2. I did n't " report '' the fraud until XX/XX/XXXX ( while  reviewing my account ). Additionally, Chase said I never clicked the above link from the email. This is 100 % inaccurate and they must have an issue with their link/email tracking, as I clicked the link over 3 time. Still can click the link today and nobody calls. I should not be penalized because their method of fraud alerts does n't work when customers respond. Had the email said, call us right away if these were n't your charges, I would have called, but they did n't not do that. They said click this link - I did. Their link failed them.
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (FL)

I paid a debt settlement to a third party collection agency collecting on behalf of TD bank ( XXXX XXXX XXXX ) TD bank updated my account as settled but also re-aged my account with XXXX and possibly the other agencies. Originally before paying this settlement it showed this account to be removed from reporting on XX/XX/XXXX now it shows to be removed on XX/XX/XXXX.The date of first delinquency was XX/XX/XXXX. My report shows OK for payment on XX/XX/XXXX and then delinquency the following month. This is how they re-aged the account. Also they keep reporting monthly as charged off after I 've settled this account to the credit reporting agencies which is keeping my score down monthly.
Consumer complaint received 2017-07-27
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: NAVY FEDERAL CREDIT UNION (IL)

I contacted Navy Federal on Saturday XX/XX/XXXX. They will not credit my account for fraudulent charges that were made to several retailers. The largest retailer being XXXX
Consumer complaint received 2017-06-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (CA)

After numerous repossession of my vehicle I have paid every fee that was owed my vehicle was repossed 3 or 4 times and paid every fee that was owed then the last one that was paid had paid off the vehicle however Santander put in the credit breau that the car was repossed but I still got the car I had them send me the whole report if my payments and was paid off but never received the title or pink slip and I would like that sent to me
Consumer complaint received 2017-06-27
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Pendrick Capital Partners Holding, LLC (FL)

On XX/XX/XXXX I received a letter from Affiliate Asset Solution, LLC collecting a debt for XXXX XXXX XXXX. of XXXX. IPer the Fair Debt Collection Practices Act I wrote a letter asking them to provide proof that XXXX XXXX XXXX XXXX XXXX make an attempt to claim my Health Insurance for services rendered on XX/XX/XXXX. I also request they stop calling until the information is provided. I mailed the letter certified on XX/XX/XXXX. According to the tracking number XXXX XXXX XXXX XXXX XXXX the letter was delivered and sign by Affiliate Asset Solutions LLC on XX/XX/XXXX. <P/>Today, XX/XX/XXXX I received 3 calls from Affiliate Asset Solution LLC even after I requested in writing to stop. I contacted Affiliate Solution and spoke with " XXXX '' which she attempted me to confirm personal information over the phone without providing her last name and employee id number. I gave her the account number and she confirm they " remove '' my phone number of the list so I told her that since she confirmed receiving the letter when can I expect they will provide the information I requested and she stated that they will not provide me with anything until I verify my identity.
Consumer complaint received 2017-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was checking my credit profile and was told that getting a small loan would help increase my credit score however I was told that advant did n't run a credit report but they did which lowered my score again my approval odds were in favor of me but came back that my score was to low now they have lowered it even more could they correct this problem they created
Consumer complaint received 2017-06-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc (TX)

I have never done business with Ad Astra Recovery Services. I do not have a signed contract not any contract with Ad Astra Recovery Services. I have the right to demand to see a signed contract between Ad Astra Recovery Services and myself.
Consumer complaint received 2017-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (VT)

My husband and I are homeowners. We took on a mortgage for our home of {$190000.00}. It was originally through Citi Mortgage, but now XXXX XXXX is an " investor '' of the loan. ( I 'm not sure if that means they are the owners of our debt or not ). <P/>Regardless, when we paid off enough of the mortgage to get to 80 % of the loan value ( as stated by the Homeowners Protection Act ), we were under the assumption that we could apply to have the PMI insurance cancelled. We spoke with several customer service representatives from CitiMortgage to go over how this process works, and they were also telling us we needed to get to 80 % of the original value of the loan. <P/>We applied for a home appraisal ( this cost us approximately {$900.00} because we were told " we live in a rural area '' -- even though the appraiser lived 20 minutes from our home ). We went through with the appraisal, we found our house remained at the exact amount we purchased it for. <P/>We spoke with the mortgage company several times trying to find out the exact amount we needed to reach 80 % of the mortgage. We were told an exact dollar amount, and we were about to put the remaining {$5000.00} towards the mortgage to have the PMI removed. When we called the mortgage company to verify the PMI would be dropped, they ONLY then informed us that we did not meet the " investor requirements- which state, we need to pay the mortgage down to 75 % of the original loan. '' I am confused here because under HPA guidelines, it states 80 %. The HPA defines cancellation date as, at the option of the borrower, either : ( 1 ) the date on which the principal balance of the mortgage is first scheduled to reach 80 percent of the original value of the property ( regardless of the outstanding balance ), or ( 2 ) the balance of the mortgage reaches 80 percent of the original value of the property based on actual payments. <P/>As I 'm understanding this, we qualify for option 2 - we paid off enough of the mortgage to reach 80 % of the original value. However, we were just told that we do NOT qualify for PMI removal because of " investor guidelines '' which override the HPA guidelines, and we are now required to reach 75 % of the original loan. <P/>We have wasted {$1000.00} in fees to have our house appraised, and a lot of wasted time and energy trying to save up the money thinking we would reach it at 80 %. <P/>Can anyone tell me why investor guidelines override the HPA? I am so frustrated and confused. How does an investor guideline override federal law? And why, when the new investor of our loan ( XXXX XXXX ) took over the loan ..why were we not mailed a letter notifying us of these new guidelines? Why was n't this made clear by all of the people we spoke with over the phone when we called multiple times during the process. <P/>At any point customer service reps. could have made it clear that we needed to reach 75 % of the loan, but this was never explained to us.
Consumer complaint received 2017-06-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Offices of Robert J. Colclough, III (CA)

Robert Colclough, III attorney has obtained a judgment in  XX/XX/XXXX  ( that I was never served a summons for, nor did I get any kind of communication that I was being sued ) for a credit card debt that was charged off in  XX/XX/XXXX . He recently obtained an earnings withholding order to garnish my wages. My issue is that according to the statute of limitations in California, he should n't have been able to obtain the judgment, secondly I sent him a letter last  XX/XX/XXXX  stating I wanted the original creditor 's signed agreement with me, all charges obtained with that credit card, and  a breakdown of the total amounts due. He neglected to provide any of those things that by law I am entitled to. According to the Fair Debt Collection Practices my rights have been violated and I want recourse. I am pursuing ever y legal avenue ava ilable to me.
Consumer complaint received 2017-07-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (AZ)

My Son XXXX XXXX was involved in an accident at the age of XXXX. There was a court settlement resulting in a monetary award for XXXX which was deposited into a court restricted CD account at XXXX XXXX XXXX by the law firm that represented the insurance company. I was names conservator of XXXX estate by the court. XXXX XXXX XXXX merged with XXXX XXXX XXXX in XX/XX/XXXX. A second merger with XXXX XXXX XXXX XXXX happened in XX/XX/XXXX. A third merger to the current restricted CD account holder BMO Bank happened in XX/XX/XXXX. The court has now decided that XXXX is old enough to receive the funds with the accrued interest from BMO Bank. Over the years since the funds were deposited, I have not received any correspondence from any of the banks. After receiving a letter and court date from the XXXX Superior Court, I did some research, ( see attachments along with the Federal Reserve Release document, pages 6 & 23 ) and contacted BMO Banks XXXX XXXX at the XXXX XXXX, Arizona branch on XX/XX/XXXX. XXXX XXXX checked out our personal information and created case # XXXX. I was told the result of the search would be completed by XX/XX/XXXX. I left a message for XXXX XXXX onXX/XX/XXXX at XXXX but as of this date have heard nothing back.