davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-14
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have a CapitalOne XXXX Credit Card. I have had the credit card account for 11 years. I have never been late on the account and payoff the balance each months. I use the account frequently because of the cash back feature. I recently requested a credit line increase and was notified that the request was denied based on " Your financial obligations reported to us by the credit reporting agency are too high ''. I contacted CapitalOne at their customer service number and the agent told me that she could not provided any additional information on the denial. I asked her who could and she said she could transfer me to a supervisor which I requested she do. She transferred the call to XXXX XXXX ID # XXXX. I spoke to XXXX and he told me that the decision was based on the credit bureau and could not provide me with any additional information. I asked to talk to someone who could provide additional information and he informed me that he was as high as I could go as far as speaking with someone. I asked to speak to someone in their compliance/complaint department and he said that was not possible. He said he would make notes of our conversation and they would be reviewed. He reiterated that the decision was based on the credit bureau. Having credit underwriting experience, I told him that the decision is made by the credit grantor and all the credit bureau did was report a personal credit history and outstanding debt. I said I wanted to talk to someone and have the opportunity to provide detailed income and asset information. He said that was not possible unless CapitalOne requested it from me. I feel that I 'm being discriminated for a credit line increase because I pay my account in full each month and CapitalOne has never made any interest income from me. In addition they have paid several hundred dollars in cash back rebates to me over the years.
Consumer complaint received 2021-12-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY (FL)

I have an old Riverside Bank home equity loan which TD Bank is now the receiver of such and was assigned the loan. I started reaching out to them recently, on XX/XX/1922, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX & XXXX to get a release of XXXX on the old XXXX account and nobody has responded to me or my title company. I am doing a home refinance and this is holding up things. I keep getting transferred to various departments and nobody seems to find anything on my old loan. If they cant locate the records they need to provide me with a release of XXXX.
Consumer complaint received 2015-05-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

Greetings, Our loan is serviced thru OCWEN. We requested an escrow analysis several months ago, in the XXXX 2015 timeframe. We have called several times since then and they indicated that since we are in a chapter XXXX plan, it may take longer to process. We noticed about XXXX weeks ago online that our house payment had increased by about {$340.00} per month. The escrow amount was about XXXX but the principle and interest had remained the same. When we called recently, they indicated that they are investigating and they recommended that we make the old payment for XXXX 2015, which we did today, XXXX/XXXX/15. We have been current on our mortgage since XXXX and now risk being delinquent, unless we make the increased payment for which we have no documentation as to why it increased. Our fear is that what little good credit we have established by paying them on time will now be impacted. This company seems to routinely " operate in the dark '' from our experience and we are glad that you are here to help us. Thank you.
Consumer complaint received 2015-08-22
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (NY)

Best buy credit card -They advertise 0 % APR and interested for the first 18 months, after which time 24 % interest kicks in. At 18 months, I suddenly had {$360.00} in interest charged to my card, on a balance of approximately {$600.00}. When I called the company, they explained that the interest balance reflects the accrued interest on all past bills over the first 18 months.
Consumer complaint received 2017-01-30
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America broke the rules. 

When Bank of America failed to resolve all pending escalation cases, in fact and actuality, prior to sale the bank, the servicer, and the trustee intentionally ignored applicable and relevant law directing all escalated cases be resolved before beginning or continuing with foreclosure processes including, but not limited to, recoding foreclosure documents and the sale of real property. Just to be clear, appeals and CFPB complaints are defined as escalated cases, and there were many escaped cases pending on and before the sale date of XX/XX/XXXX. 

When Bank of America responds to escalated cases using their previous responses to prior escalated cases as enclosures and exhibits, they are not resolving the matter, offering proof, or supporting their position or facts related to the expressed concerns which may have been created by the issuance of prior correspondence in the first place. Such responses and offered resolutions ( if they may be referred to as such ) only provide documentation of a lack of knowledge of the applicable rules of law governing loss mitigation processes and escalated cases. For example, when Bank of America represents to me there have been responses provided on all appeals requested without providing the corresponding Appeal Report, and representing receipt of multiple requests for mortgage assistance ( RMAs ) without providing the complete RMA application packages, Bank of America is not providing exhibits or supporting documentation, but are merely asserting their belief the matter has been responded to and, in their opinion, resolved. Just to be clear, concerns put forth in escalated cases are not resolved until the bank, the servicer, or the trustee prove up by offering up the actual documentation in the form of the documents referenced or the documents created as a result of the referenced documents. This has not been done to date in this instance. 

While Bank of America has responded to escalated cases related to this account and real property, Bank of America has not resolved them. By failing to comply with all applicable rules of law prior to the sale of my home and property, Bank of America has made the choice to intentionally defraud me of my home and property and any bona fide purchaser ( BFP ) of the same. Even if Bank of America did and does not realize the impact of their transgressions, harm, and injury resulting in loss and damages, the damage has been done all the same. Just to be clear, Bank of America may undo most of the damages resulting from their premature start of the foreclosure process in this instance as it is not too late to reverse the documents recorded on and after XX/XX/XXXX related to this account and real property by causing the recording of Rescissions of those documents. 

All previously mentioned resolutions are desired and mandatory as stated within prior CFPB complaints.
Consumer complaint received 2016-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

I have been trying to contact Navient for the pass 3 to 4 weeks to try and get a pay off of my student loans that I have with them. No one has contacted me to help out in this matter. I 'm trying to make a payoff agreement to pay my original loan balance minus interest.
Consumer complaint received 2017-03-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I deposited a check in the amount of {$5300.00} on Saturday XX/XX/XXXX via Bank of Americas mobile banking app. On Monday I was given three different dates as to when my funds would be available ( currently have those print outs which the staff at one of their branches gave me ) the first availability was for the amount of {$4800.00} to be available on XX/XX/XXXX after XXXX CT. XX/XX/XXXX, I was showing an overdraft of over {$400.00} plus a over draft fee of {$35.00} and just received another notice threatening another {$35.00} fee if I do n't make a deposit by XXXX XXXX! Mind you my account was not over drawn or in the negative prior to me making my deposit. On top of that the {$4800.00} was not available. The next availability is for {$380.00} to be available on XX/XX/XXXX at XXXX ( I honestly do n't think that money will be there after being told that {$4800.00} would be in my account on XXXX XXXX ). On top of that, I am still missing {$200.00} from the original amount that I deposited. I went into the branch XXXX times this week and no one can give me answers, just empty promises. My phone is currently cut off for non payment, and my rent is severely past due. My son and I are on the verge of being evicted from my home due to them holding my funds. I am a single parent who 's family relies solely on my income. How am I suppose to function when you have been holding my funds for nearly XXXX days without so much as an explanation? In this day an age with technology ruling EVERYTHING a hold check normally takes 24 hours, they are telling me that my funds may not be released until XX/XX/XXXX! I 'll be evicted from my home by then!
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (FL)

I went to XXXX XXXX in XXXX Fl ... ... I was told by staff that all the loans I had were Stafford loans. I am XXXX and when I tried to get all my loans taken care of that was when I learned that I had a private loan through XXXX. That was and is very deceptive on XXXX part.
Consumer complaint received 2015-12-04
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

Received pre approval on XX/XX/XXXX. Started full application on XX/XX/XXXX. I was charged {$470.00} for an appraisal on XX/XX/XXXX. As of this evening XX/XX/XXXX the appraisal has not been completed. Citizens bank is claiming that this is due to Dodd Frank and CFPB regulations. I believe this is very misleading and they are trying to blame government regulations on problems with their processes. At this point in the process because of the delays, I do not have the luxury of trying to find another financial institution. I find this unfair and deceptive with the tactics they are using. When I applied, This would have given them almost 80 days for the closing. As of tonight, with no appraisal completed, we now are at 33 days remaining. Again, they have already charged me, but blaming you for the delays. This loan needs to close by XX/XX/XXXX or I suffer severe financial consequences due to their negligence. This is by no means credit or income related. Both my wife and I have XXXX Fico scores, over 15 years each on the job, debt and income ratios all well within guidelines. In other words, we are the ones with perfect credit and income for a mortgage loan. We also are putting down about 35 % of the purchase price.
Consumer complaint received 2016-07-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hello. Around XXXX XXXX or so of this year I submitted a complaint about poor mortgage loan servicing for a modification from BOA. They have since responded to the CFPB 's requests, but now there are new issues with them. In calling me in response to your requests they affirmed me I can re-apply for the modification. I asked specifically, once again, " do I meet the baseline requirements to even apply '', she said yes. I then received a callback from XXXX XXXX, my new account manager on XXXX/XXXX/16 at XXXX, after giving her a quick synopsis ( the documentation I sent you from the original complaint ). I asked AGAIN, the third time " Do I qualify for assistance based on meeting certain prerequisits '', and she said yes I do. 
After doing a little research online I did find there is a 24 month waiting period between modification applications. I reached out to BOA on XXXX/XXXX/16 XXXX. I spoke to another acct. mgr. XXXX and asked if what I am reading is correct. She told me, within 5 mins, that I would not be eligible for mod before 24 months. She then advised me to wait to submit the application till XX/XX/XXXX. 
So CLEARLY, once again I am being set up to fail, had I not made this call to the bank I would have submitted my paperwork too early and denied, putting my situation even further out of affordability of a Chapter XXXX repayment. 
So far I have gone through XXXX different account managers in just a few short weeks. 
XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 " XXXX '' XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 I did not write her name down, will show in notes at BOA i 'm sure. 
XXXX/XXXX/16 Back to XXXX. 
This continues to be a ridiculous circus with the bank all before I even send the application out! Each acct. mgr. with different information of the base requirements. I am at the point I may need to find legal counsel which I really ca n't afford, so I am really hoping you can followup with them and find out what their excuse is this time. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2015-04-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (WA)

I 've been in and out of forbearance for many years after my XXXX graduation, while trying to keep up with Federal loans as well. Every time I tried to setup a payment plan, or make payments by phone through XXXX XXXX/Navient 's automated system, payments would be disbursed incorrectly. In XXXX of XXXX, I made an automated payment by phone. When calling in to check on that automated payment, each person I spoke with kept telling me the same things- 1 ) my payment has already gone through and 2 ) they are still waiting for my payment to go through. Unfortunately, the automatic withdrawal was put towards another loan instead of what the automatic option I selected had told me. I even called a few times to make sure I was hitting the correct buttons. After about 2 weeks, I finally got through to a supervisor, frustrated with all I 've been through and not seeing anything corrected. The supervisor apologized and said it would take a few days to be put towards the correct loan.The supervisor then help me to set up a payment plan that would last for 2 years and advised that they would happily remove the errors off of my credit after sending a letter. I sure sent a letter within the same month. I received correspondence on XXXX saying that they made no error and they would not remove their errors from my credit report and my credit has been shot down so bad. After setting up a payment plan for what they said would be 2 years, they changed my automatic payments to a regular payment after only 5 months on XXXX/XXXX/XXXX. They said my 2 year payment plan was over, when it obviously was n't and there was nothing I could do. I told them I ca n't afford to pay all other bills including mortgage, along with current federal loans. The last call I had with them, they transferred me to XXXX different departments saying that each department would be able to take care of me. They have made errors too many times and it 's causing me stress and financial hardship. I 've spent too many hours of my time ( 80 % of my calls with them would take from 30minutes up to 1hour long ). They are unorganized and I would be passed from XXXX person to the next, then to the supervisor. I have all of my digital statements to show this. I 'm currently looking for an attorney who handles these types of situations. I have been struggling to get anything fixed with XXXX XXXX/Navient for many years. Please help!
Consumer complaint received 2015-03-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

I am trying to deal with Navient ( formerly XXXX XXXX ) regarding private loans that were taken out for my college tuition ( both under my name and with my mother as the primary borrower and myself as the cosigner. ) They have admitted over the phone repeatedly that if you are n't giving money to them over the phone ( the exact amount that they want, which is exorbitant, ) they will not document the phone call. Because of this, I have started dealing with them only via paper letters, which they have not taken kindly to. 

For the loans where I am the primary borrower, they are expecting well over $ XXXX/month payments which are unreasonable with my income. I have given them multiple financial statements over the phone, which they apparently are n't putting in the system because the next time I talk to someone there they say that there 's nothing on file. When I give them the statements, they agree that $ XXXX/month is too much, but that they have nothing else available. When I ask what they recommend I do, they say to not even bother sending the amount that I can actually afford without losing my home and car ( needed for my job ) because it 's not enough to do anything worthwhile. Then they make fun of me for not going into the career path that I was hoping to while in college and demand to know when I will be. 

For the loans where my mother is the primary borrower, she has one in a lower payment plan. We have confirmation numbers for the payments and they have been taking them out of her checking account, but then we received a letter in the mail stating that the payment plan has been rejected ( no reason why, which we 're trying to find out in writing. ) Yet even after the date the letter was sent, the money has still been taken out of her account by Navient. She 's also still receiving letters and phone calls that that particular account is delinquent, even though she 's making payments on it. 

I am at my wits end with them, trying to contact them via paper ( I refuse to talk to them on the phone anymore, as it 's resulting in me having panic and anxiety attacks every time they call. ) I do n't want to go into default, but I ca n't afford anything close to what they are demanding for these loans. I have used up all of my forbearance time on these loans ( which I paid {$150.00} every few months to put them into when it was XXXX XXXX. ) It 's almost making me wish that I never went to school at all, and also wish that my school had done a better job educating about what private loans really are instead of having me just sign a piece of paper for more money towards tuition ( XXXX XXXX and XXXX XXXX of XXXX. ) My federal loans are in a reasonable repayment plan based on my income ... why ca n't private loans be the same way? Please help or advise what I can do!
Consumer complaint received 2015-06-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NY)

I was charged overdraft fees for the amount of XXXX so far. When checking my balance online I had enough to make purchases. I paid a bill with the wrong bank card and it went to this account which should have been an overdraft but now I have XXXX overdraft fees. I was in the positive before this charge went through and prior to it going through other items were deducted from my balance. The bank switch these items around so that they would be able to charge the most overdrafts. I was told by an employee of the bank that that they pay the highest items XXXX then to the lowest which made me have these enormous fees. I think this is criminal and they would n't let me opt out of overdraft protection because its a business account. That is not true because I had a business account before and I was able to opt out. with this same bank.
Consumer complaint received 2016-10-01
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: AMERICAN EXPRESS COMPANY (CA)

I have had a Bluebird account in perfect standing since XXXX of XXXX. I have always been happy with my Bluebird account. I had never previously called customer service prior to last week when my card was defrauded of {$290.00} total from 6 fraudulent transactions dated from XXXX/XXXX/XXXX of {$64.00}, {$64.00}, {$64.00}, {$44.00}, {$34.00}, {$24.00}. My card was lost or stolen and I reported it immediately as per my terms of service. I have police reports. However, within ten minutes of reporting this to AMEX, I received an email saying that my fraud claim had been denied. 
According to your website customers enjoy benefits ' [ ... ] such as Purchase Protection* and Fraud Protection* when making purchases online or in store with Bluebird. Regarding fraud, it specifically says 'If your Bluebird Card is lost or stolen, we protect you against fraudulent purchases. ' According to the Consumer Financial Protection Bureau, if reported within 2 days of discovering the transactions, I can not be held liable for fraudulent transactions. I reported this lost/stolen immediately after discovering it, well within the time frame and therefore I should not have been held liable. Furthermore, their ten minute decision shows that you did not perform due diligence in investigating this, and therefore have sold a banking product in bad faith are in breach of contract and have disregarded federal and state banking laws. 

I wrote a letter to the CEO and was contacted by their Executive Relations office, but was told that these are n't really bank accounts and that their profit margins on these are slim. I countered that they clearly say customers are protected against fraud and that these accounts are in fact marketed as bank account replacements by AMEX. I have a new account now, but I do not feel a proper investigation was done, and I feel that AMEX is not honouring their terms of service. I would like a fraud refund of {$290.00}.
Consumer complaint received 2017-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: SLM CORPORATION (SC)

XXXX purchased my loans from sallie Mae. Now at least 1 to 2 years later we receive a call to start paying on some that they do n't even own any longer. From what I 've read regarding sallie Mae, sadly I think my son and I are in for a misery.