davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-26
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY (UT)

In XX/XX/XXXX I financed an air-conditioner for my rental condo. It turns out that XXXX finances with Wells Fargo. 
On XX/XX/XXXX I received XXXX credit cards, XXXX in my name and XXXX in my husbands name. The heading states " We 're glad you 're our credit card customer ''. 

**I am NOT their credit card customer and never asked to be. I will be calling and canceling these credit cards asap!! 
I do n't even know if there is an annual fee or what the interest rate is.
Consumer complaint received 2017-03-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (DE)

I have a loan with Santander that opened in XXXX of 2011. It was a 72 month loan expiring this month. I had XXXX deferments on this loan in 6 years. My original balance was {$18000.00}. After 70 payments of {$400.00}, my balance is XXXX. This means I paid {$28000.00} towards an original balance of {$18000.00} only to pay {$7000.00} of that balance. 
Running the numbers, It will take another 10 years to pay the remaining balance. I will be paying more than {$60000.00} for an {$18000.00} vehicle. This is much worse than a pawn shop or a payday loan. 

My choices appear to be file a bankruptcy after which Santander will take this vehicle and sell it to another sucker who will have 20 years of payments on a vehicle that may last a year. Santander will get {$120000.00} on a vehicle that costs less than $ XXXX. Or I can pay on it for another 10 or more years. This ca n't be legal in any sense ... there can not be a legal, ethical or human precedent that allows a corporation to encumber a person for the rest of their natural life with payments. 
I am signing the right for you to share this. I know that CFPB has successfully forced the credit bureaus to pay XXXX thousands of dollars for wrongs they did to consumers. I trust you can do the same to Santander who forces people into poverty by making them pay for a vehicle for the rest of their natural lives.
Consumer complaint received 2016-12-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MONEY SOURCE, INC., THE (OH)

Back in XXXX I stopped paying my mortgage because of a medical condition caused by my XXXX, which caused me to XXXX and not remember to pay bills. I missed my XXXX payment, paid in XXXX, and stopped paying through XXXX of XXXX. I received a letter from XXXX in XXXX and my husband opened it and made me call to make arrangements to pay the months that were missed. The letter stated that if they did n't hear from me within 30 days that it would go into pre-foreclosure, and even though I called within the 30 day window, the told me that it had been sent the day before and they would n't accept any payments. At that point I had all of the money in my account to pay the back balance in full ( over XXXX in my checking account ) but they refused to accept my payment. I was told that someone would be contacting me to make arrangements to stop the foreclosure proceedings. In XXXX I was contacted and they told me that I could resume making normal payments again but only in the amount due and only by check through the mail, so from XXXX through XXXX I did that, and starting in XXXX my husband took over the finances to make sure that everything was paid on time. I signed a Loan Modification Agreement, and the person that I talked to on the phone said that there was nothing they could do about reporting the late payments from XXXX but that once the paperwork was signed, that the foreclosure proceedings would be removed. From XXXX XXXX until we sold the house in XXXX of XXXX we never missed another payment, and no foreclosure paperwork was ever filed with the court. When we went to get a approval to buy another home though, they were reporting my payments late until XXXX of XXXX, so we had to wait at least until XXXX of XXXX before we could get approved. I sent the credit bureau 's paper work with bank statements that showed that each one of our checks cleared from XXXX XXXX to XXXX XXXX, but XXXX XXXX came back and said that they were reporting accurately. With that being said, we tried again in XXXX, and now the credit reports show XXXX lenders XXXX XXXX and The Money Source both reporting during overlapping times, and now it shows up as a foreclosure from XXXX XXXX through XXXX XXXX. We could n't do anything at that point, so we tried again in XXXX of XXXX and now the foreclosure is reporting through XXXX XXXX. XXXX is reporting the foreclosure and The Money Source is reporting late through that whole period at the same time. We first had to prove that it was n't a foreclosure and that there was only one company servicing the loan, they are both the same company and when we did the modification they changed who serviced it from XXXX to The Money Source and every time we dispute it, the issue gets worse.
Consumer complaint received 2024-10-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (PA)

XX/XX/year> : received notification from the Department of Education that I was approved for debt relief. 
XX/XX/XXXX : Since I did not hear from my lender, I called Navient about the status of my refund. I was told that private loans are not eligible for discharge or refund. My loans ( FFELP ) were not private as they appear on my page of the Federal Student Aid website. 
XX/XX/XXXX : I emailed Navient and this time I was told that loans paid in full are not eligible and only payments made directly to the Department of Education are eligible for a full refund. However, the ED did promise to refund past payments on loans used to pay for an XXXX XXXX education. 
XX/XX/XXXX : I called the Federal Student Aid 's Defense to Repayment hotline. 
XXXX suggested that I register a complaint with the CFPB as well as Studentaid.gov.
Consumer complaint received 2017-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I am currently in review for a modification with my lender, Wells Fargo but they refuse to remove the sale date of my home scheduled for XXXX/XXXX/17. They have told me they are transferring my loan to a new servicer and it will take a few weeks until the new servicer has my mortgage and modification review and by then I 'll have lost my home. They should n't have a sale date while I 'm in review for a mod, and they should n't transfer my loan with a sale date pending.
Consumer complaint received 2016-12-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have set up through Bank of America an automatic bill pay toward my student loans. In XXXX 2016 I had refinanced my student loans and my payments were deferred for the month XXXX 2016 and XXXX 2016. I thought I had cancelled the automatic bill pay for XXXX and XXXX 2016. The payment for XXXX did not process. However, the XXXX payment did process. I contacted Bank of America on XXXX XXXX when I saw the payment for {$400.00} processing. I was told that there is nothing that they could do until the payment posted to my account. I called Bank of America on XXXX XXXX when the payment posted to my account and I was told that there was nothing that they could do to reverse the payment since it was done through bill pay. They told me to contact the vendor who received the payment. The vendor initially told me that it will XXXXXXXX business days for a decision regarding my refund request. I contacted the vendor again and was later told it will take XXXXXXXX days for them to reverse the payment and that I should process the refund request through my bank since it was a ACH payment and they can refund the money back to me faster. My bank keeps telling me that it was not a ACH payment and that they can not reverse the payment even though I am disputing the payment.
Consumer complaint received 2024-10-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I am currently paying 2 loans. 
My Student Signature loan has a current balance of {$28000.00} and 10.5 % interest. The loan was disbursed almost 20 years ago on XX/XX/XXXXXXXX The original principal was {$22000.00}, and the total accrued interest is {$38000.00}. 
My other loan ( Tuition Answer ) has a current balance of {$8400.00} and 11 % interest. The disbursement date was on XX/XX/XXXX. The original principal was {$11000.00}, and total interest accrued is {$15000.00}. It has been about 20 years, and I owe more than the original loans ( and the amount of interest accrued on both loans are more than the actual loans ). The original lender was Sallie Mae ( now Navient ), and another company is soon to take over. They have been sued for various reasons including misleading borrowers, overcharging, etc. I myself have been steered into forebearance numerous times. I feel like I am a victim with never ending unfair payments, and I should have been part of the loan forgiveness.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (PA)

There is an account on my credit report but I don't have a Citibank account. I contacted XXXX and they claimed that Citibank conformed it was my account but when I call them they have no record of an account with my SSN.
Consumer complaint received 2017-01-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CT)

On or about XX/XX/2017, I went to the Wells Fargo Branch located at XXXX XXXX XXXX XXXX in XXXX, CT with a friend. Both he and I have accounts with the bank in that branch. My friend was going to deposit a payroll check made payable to his father, who also has accounts at Wells. The check was legally endorsed " Pay to the order of XXXX XXXX '' and signed by the payee XXXX XXXX. XXXX signed the check under his signature and tried to deposit it in his account. The bank flatly refused to accept the item for deposit saying the payee of the check HAD to be physically present. 
It is my understanding, and I was also told by a Wells Fargo Customer Service phone rep that once endorsed over to XXXX, he could legally deposit the item in his account. 
The manager and branch personnel were adamant that " there is nothing we can do. '' Aside from the rude manner in which we were treated, the manager and branch personnel inferred ( and all but came out and said ) the item was a bogus item and we were trying to somehow scam the bank. Based on Wells Fargo 's HISTORY of scamming the public with falsely opened accounts, fees, employee quota systems, etc. I found this reprehensible. 
My question is : Can the bank refuse to honor an item that is properly and legally endorsed over to a third party, and an item by it 's endorsement, that he legally has the right to? What are my options with regard to taking any action against the bank or branch personnel. I was unable to obtain the names of the personnel involved as they stated when asked " we do n't give out last names or other staff information. ''
Consumer complaint received 2024-09-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC. (CT)

XXXX I explained I was laid off and was having trouble paying a mortgage and student  loans. 
Later in XXXX  I found out my loan amount had almost doubled and they said they couldnt help me unless I enrolled in some kind of repayment program in XXXX. They couldnt readjust my loan so I have to repay an extra XXXX up from the original XXXX. They didnt have any information about loan forgiveness except a telephone number. Even people at the call center were unsure of the question I was asking them.
Consumer complaint received 2016-12-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (OH)

Both my parents passed away leaving me as the executor of their estates. While going through my Dad 's computer, I came across an email indicating his Well 's Fargo account would be closed due to fraudulent activity. Apparently someone had tried to access the account multiple times from various computers. I called Well 's Fargo, they told me the email was not from them and was probably a phishing incident. I told them I was not aware my father even had a Well 's Fargo account, but they said if someone tried to compromise it, an account probably did exist. I asked how I could get access to it and they told me to go to the local WF office with the death certificate, etc. They told me the closest office was over XXXX miles away. They indicated I could mail the information including the account number. When I reiterated that I did n't have the account number, they said sorry, we ca n't help you!
Consumer complaint received 2017-03-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (IL)

Hi, I applied for student loans in XXXX of 2008 to start classes at university XXXX. I proceeded to go on for 2 years applying for loan after loan to cover the cost of the school. After I graduated with a degree in XXXX ( which does n't account for anything ) Navient started right away with the phone calls about repaying the loans. I have been back and forth with them about forbearance and income driven repayment plans. I keep calling and trying to talk to someone and they give me the run around about how to go about affording something other than {$500.00} a month. So now I have a degree ( that 's probably as good as working at XXXX ) that got me no where and {$33000.00} in student loan debt. If you are here for your costumers then prove it.
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America decreased the credit limit on my travel card from {$25000.00} to {$9900.00} without giving any advance notice. The balance on the card is {$9800.00}. With the credit limit decrease to {$9900.00}, the Credit Usage significantly increased to 98.94 %, which lowered my credit score by XXXX points!!! This is ridiculous and unacceptable. Im in the process of getting a home loan and I have to get new scores to take advantage of the lower interest rates. Now, Im not sure if I will get the loan at all. Im not sure what can be done at this point but I wanted to alert you all to this unfair practice by Bank of America. The interest rate is already 25.99 % on the credit card but I always managed to pay my bill on time. They did not have to lower the credit line to {$9900.00}.
Consumer complaint received 2024-10-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (CA)

Per law, 15 USC 1692c ( c ), if a consumer notifies a debt collector that the consumers refuses to pay a debt the debt collector must cease all communications, this includes debt being reported to credit agencies. I have sent this company a cease and desist and the company has refused adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter. The company has also been found to impose as a collection agency when it is listed that this company is not legally blinded and or insured to collect in the state of CA. Credit bureaus have all been notified as well and has refused to cease collection reporting for said accounts advised. Please have the company crease all collection activities as this is my final attempt to complain outside of court.
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Express Aviation (TX)

I am constantly being billed for a little over XXXX from a private loan company. I attended school for 17 days and I never received a transcript or credit transfer before they closed the school to students without days notice. I did not receive any money from this loan nor an education from this school. All money was dispersed to the school.
Consumer complaint received 2016-08-09
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

We were actively working on a short sale for this property. We were completing all our tasks on XXXX and very close to getting the short sale approval it seemed like but every time the negotiator came back to us, she would slash the fees that were being allowed. We originally had a contract much lower than the value of the house. This was the 2nd time we were going in and this new buyer had agreed to the contract sales price. Our negotiator XXXX XXXX said that we had until XX/XX/XXXX to complete the task or she would close out the file. 1, we were waiting on results from the 1st complaint we filed with the CFPB, and 2, we logged in on XX/XX/XXXX at noon and the file was already closed. We need to get the file reopen on XXXX as soon as possible with a negotiator who is willing to work with us and who does n't keep cutting the fees that are approved and who does not close out the file before the promised time. My wife is in her sick bed and we need to be able to get this out of the way to prevent a foreclosure from happening.
Consumer complaint received 2024-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

95 fraudulent transactions were made against our checking account totaling {$4100.00}. An individual hacked my online account, changed my address and ordered a new card. This happened on XX/XX/XXXX. I called my bank, Chase, on XX/XX/XXXX as soon as I realized the situation. I made a claim against all fraudulent transactions thru XX/XX/XXXX. I then called again on XX/XX/XXXX and claimed the rest of the fraudulent transactions that occurred. 

Of the {$4100.00}, Chase deposited {$3800.00} into my checking account ( {$280.00} than the reported fraudulent total ). Subsequently, on XX/XX/XXXX and XX/XX/XXXX, Chase debited {$2500.00} from my account. 

All transactions occurred in a foreign country. During this period, I and my wife were at home and we provided evidence of this to Chase via a signed letter from our employer. Chase indicated that was not sufficient and they needed video footage from our place of employment to evidence that we were there. During the period, there are legitimate transactions made in our home town that also showed that the card was present, yet Chase has indicated we have not proven the disputed transactions were fraudulent. 
Since first reporting the fraudulent transactions, I have met with Chase representatives 3 times at my local branch, I also interacted with them thru phone calls on the following dates : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX mins ), XX/XX/XXXX, XXXX, XXXX ( XXXX mins ), XX/XX/XXXX ( 2 hr 8 mins ). The last call ended with Chase hanging up on me after a 2 hour call when I asked to talk to a manager.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Regional Management Corporation (TX)

This loan was from a convenience check mailed in my XXXX, however my XXXX opened the letter, signed my name, including my XXXX XXXX XXXX included his contact information deposited the check online without my knowledge and did not not repay amount. Because he forged my signature and took out this loan in my name and used the funds, As per our XXXX  XXXX  He is responsible for debt as it was his. 
If needed I am able to provide copy of XXXX XXXX and check signed by him.
Consumer complaint received 2016-12-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/2016 my home was sold unlawfully at a Sheriff 's sale by HSBC Bank USA , National Association, as Indenture Trustee, of the XXXX Securitization Trust XXXX Callable Mortgage-Backed Notes, Series XXXX The foreclosure sale was illegally authorized by HSBC Bank USA and XXXX before the loss mitigation process was completed. Employees of XXXX have admitted verbally that there is no proof that the foreclosure should have taken place since the loss mitigation process was not completed. I was assigned a single point of contact ( SPOC ) at XXXX to manage the loss mitigation process since I was unemployed and recently started my own company to earn income to support a loan modification plan. Prior to the sale of the home, XXXX assigned a new SPOC, but the home was sold prior to initiating a discussion with this person. I submitted all required information to XXXX to support the loss mitigation process and was told that I would be informed of the decision. This was never done. To date, no decision was reached regarding the loss mitigation evaluation process and I told that the loss mitigation request was in review and no decision was made. Prior to the sale of the home, the lender, HSBC, was working with a local law firm to sell the home and kept issuing new documents that the foreclosure sale would occur on a particular date while the customer service division of XXXX was working with me on a loss mitigation plan to avoid the foreclosure sale. I believe this process is called " dual tracking '' and is illegal.