davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-18
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

I am a victim of Predatory lending. I was given a pick-a-payment loan in 2006 and Wells Fargo said that they could only help me modify if the loan was in default and advised me to stop making payments and then they would modify the loan. They said they were participating in the Help for Homeowners program. They also said because of my age and the fact that I was an unmarried single woman that women are considered a high risk. I eventually went into foreclosure because they would not work with me and now I am in Bankruptcy court. We filed a modification and had XXXX meditations. In the first mediation on their Good Faith estimate they using to try to show I did n't qualify, they had a XXXX forced place home owners insurance on the document and also the wrong amount for my salary. They told me and my attorney to submit proof of new Home owners insurance and more pay-stubs which they already had. I sent them my new Homeowners policy for XXXX and more pay-stubs the next day. In the next mediation they said they would need a letter of explanation regarding my bonuses I receive from my job and I submitted that the same day. In both mediation 's they said once we produce the documents and letters that my figures were good and I would have no problems qualifying and getting approved. Then we got a denial. So, now we are starting the process all over again. Houses ' are going up in my area and I believe they are using stalling tactics, so they can get more money or try and kick me out. They are refusing to work with me even though I qualify. I also have requested all documentation such as the Appraisal of the property and the original Good Faith Estimate with their fraudulent figures in it. And any and all documentation they used to prove to me why they denied me. They have yet to produce any of their documentation. They attached a document to the last complaint, that would n't open,
Consumer complaint received 2016-09-29
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

To date and at the time of this submission, I have lodged XXXX Consumer Financial Protection Bureau ( CFPB ) Complaints that are automatically forwarded to the Department of Justice and the California State Attorney General ( AG ) related to Bank of America and my dealings with this company throughout loss mitigation workout assistance and processes. 
Bank of America has never once provided me with a response actually addressing many of my concerns deciding to continue on as they have been by misstating my concerns, supplying non-responsive replies, or cease communication altogether. 
The latest instance of this show of lack of good faith was XXXX XXXX, 2016 through the written response provided by their current legal advisors. It is unclear if Bank of America has withheld material facts from their retained attorneys who then proceeded to respond based on the information provided to them by Bank of America, or if the legal response is based on the account records including, but not limited to, internal Bank of America documents and documentation.
Consumer complaint received 2016-05-26
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: Select Management Resources, LLC (SC)

I have a loan with North American Title Loans in XXXX SC. At the beginning when I applied for the loan all of my proof of income was an initial determination of XXXX benefits, I had yet to receive the amount of XXXX weekly. North American stated I didnt have enough income to get the XXXX loan i applied for so I would need to add my spouse for her income as well. My spouse was not added as a co-signer only listed her income which i didnt have proof of. The company gave me the loan off of this information knowing I did not have the financial ability to pay this back. On XXXX after I tried to make several unsuccessful arrangements to keep the vehicle they repossessed it causing a strain on my ability to attend my newly found job. The lack of respect for dent to income ration, the deceptive income listed as well as the payoff balances changing daily needs to be investigated. This branch of this company charges XXXX % and has no respect for the customers ability to repay by income. The right to cure process is also questionable as I requested one to which they said they sent but they sent it to the wrong address as the manager listed a complptely different address than i supplied for proof, they stated they sent another but i never received it as well. I feel this company should return my vehicle as the contract is unenforceable as well as stop interest on the account.
Consumer complaint received 2017-02-01
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (WA)

After leaving school in 2005 and entering repayment of loans ( both federal and private ) I contacted Navient regarding payment options as the original monthly payment was too high for my current income. Every time since 2005 that I 've contacted them the only option they 've given is forbearance or deferment. They claim that I 'm not eligible for any income based plan to make payments more manageable. Because of this the amount owed has ballooned from {$130000.00} to {$210000.00} with a monthly payment requested of {$1800.00}. My co-signer a couple years ago did set up a payment plan that suddenly they were able to lower the monthly payment to {$480.00} ( after they would not do so for me ). She was told this was for " all loans that Navient currently handled '' which would have included federal, consolidated and private loans. After paying for a year they called to say they would be increasing the payment amount to {$690.00}, a huge jump, which she warned that she could n't afford to pay. Three months after the increase, as she warned, she could no longer make payments. After a year or more of payments from the co-signer the loan amount INCREASED from {$200000.00} to the current {$210000.00}. After I asked them why they said the payment plan was for private loans only. So they had lied and intentionally mislead both myself and the co-signer about " all loans handled by Navient ''. As it stands now my income is {$1600.00} net pay, the monthly payment is {$1800.00} and they are refusing to lower payments or make arrangements. After all honest attempts to begin steady payments on the loan it has reached a point where it is IMPOSSIBLE to repay for either myself or co-signer. Furthermore, we learned from another Navient agent that quote, " the last XXXX applications for loans while in school should have been denied based on our income situation. '' That means XXXX XXXX and then Navient KNOWINGLY approved loans that should have been denied based on income.
Consumer complaint received 2016-04-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (KY)

Big picture loans did not provide the loan due to an error of the account number for my bank on loan contract. I called them and found out there was an error and told them through both phone calls to their XXXX number and emails ( which they never responded ) i wanted to cancel the loan agreement. They went ahead and somehow deposited {$500.00} into my account. I called customer service 10 times trying to find out how and why they did this after i cancelled. They stated they would debit my account the {$500.00} and cancel contract. This has not happened and when calling them they said they have the wrong account number and i gave them the correct one and they said they had to escalate the issue. I want to make sure they are not trying to force me to a contract or default status with their demand pay verbiage for full fees due. Need help resolving.
Consumer complaint received 2017-03-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Thomas Agency, Inc. (ME)

THE THOMAS AGENCY INC XXXX XXXX XXXX JUST XXXX XXXX, 2015 {$470.00} {$470.00} XXXX XXXX XXXX XXXX XXXX, ME XXXX.They have file this again after they had agree not to put it on my credit report after I had file a report with you.
Consumer complaint received 2015-08-18
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (OR)

I received mail today from Chase regarding my XXXX Rapid Rewards Premiere VISA Signature credit card. Enclosed was a replacement card ( for Chip & Signature use ) along with printed materials about the card. Nowhere in the printed materials did it disclose the {$99.00} annual fee associated with this card. These do invite the customer to consult XXXX for more information -- but no where on those online materials is the amount of the annual fee mentioned, not even in the " Terms and conditions '' pop-up window at XXXX. I had to call the XXXX number, wade through a voice menu, and speak to a customer service agent in order to be reminded that this card carries a {$99.00} fee. When I asked to be downgraded to a version of this card without an annual fee, I was told there was n't any. The only way to avoid the {$99.00} fee ( to be charged next on XXXX/XXXX/2015 ) was for me to close the account -- which I did, despite the negative impact on my credit score this entailed. 

In short : Chase is hiding the annual fees these cards carry from their customers, a dishonest and short-sighted business practice, and requiring customers to degrade their credit scores in order to avoid them.
Consumer complaint received 2016-04-23
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Patenaude & Felix A Professional Corporation (CA)

I paid my account to less that XXXX $ by XXXX of 2006. I am currently in XXXX of the first XXXX employments that I have had since, and am only several months into such employment after a severe assault. As a crime victim, I believe I have victim rights to protect me against unfair garnishments and levies. Additionally, the collection agency did not submit due process in writing. The collection agency also has previously harrassed me by telephone. I believe that the collection agencies has conducted illegal searches to find my current financial information. The collection agency is trying to levy $ XXXX to the financial institution directly and, when telephoned, I am being told by the collection agency that the balance is well over {$2500.00} and that that is the amount to be paid unless paid in an unreasonable time frame and in large amounts. And that this is all due to " interest '' ( which I know to be illegal in the state of California, where the debt was incurred and where the collection agency is located ).
Consumer complaint received 2016-05-25
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (WA)

This is my daughters student loan that I co-signed 10 years ago. XXXX of us forgot this and when she quite paying, Navient started calling me. I have called them and proposed a payoff amount to XXXX XXXX, Senior Collections Mgr. at XXXX. I have worked out the payoff deal with my credit card and it is a time sensitive offer which I have relayed in the several voicemails that I have left for XXXX XXXX. I have received no response. I have left another voicemail today requesting that she call me back and simply let me know she is working on this. Late this afternoon I received another collection email. There is no email address to respond to letting them know that I have been in contact with XXXX XXXX. I am asking for a response so that my daughter and I can move on. This loan started at {$5600.00} 10 years ago and because my daughter could not afford to pay more than the 10 % interest payments, the loan is now at an astounding {$8600.00}. She was too embarrassed to tell me this. I do n't want to accrue any more interest on this loan. I originally asked them to lower the interest rate and I would make the payments to them. XXXX XXXX XXXX told me she had the power to do that but would not. That is why I am contacting her boss XXXX XXXX.
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX admits in the attached letter that it has no evidence of any agreement with me, nor any sales receipts, nor any billing statements. It is using a spreadsheet underlying what it reports as 'verification ' of what it reports. At some point the burden has to shift to TransUnion that must realize if a creditor can not back up that an account belongs to a consumer, it must be deleted.
Consumer complaint received 2016-04-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

There was a preforeclosure on my home XX/XX/2014. The loan was subsequently sold to another lender and the original lender was paid off and the account was closed. I agree that the loan was once in foreclosure and that that it should reflect in the history. However in the current status the loan shows as foreclosure on Experian. This is incorrect and should be reported as closed or transferred not Foreclosure as indicated on the report. I have submit documentation to both credit reporting agency Experian and they refuse to acknowledge their error in the report.
Consumer complaint received 2017-02-15
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc. (NY)

I had an XXXX Credit Line. I paid for services and gift cards using the credit line. They filed for bankruptcy and closed down before the services/giftcards could be used and they are now going after me for the money./ I have called them and mailed stuff to them, but they just keep harassing me with phone calls at home, cell and work.
Consumer complaint received 2015-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

The XXXX Card account on my credit reports XXXX Equifax, XXXX XXXX is being reported incorrectly. The account is closed and it appears to be open and active. 

Also, the creditor is reporting that the debt was charged off and if that is the case, the debt has been forgiven and the balance should show as {$0.00}. If XXXX Card is issuing a XXXX that means they are reporting that the debt is forgiven in exchange for a tax credit. Also, the late payments should not be reported as of the date the debt was charged off. 

Because XXXX is reporting that I have an active debt with an outstanding balance ( when the account is actually closed ) it is lowering my credit score. 

I disputed this issue with the all three credit bureaus and XXXX directly but the information on my credit report remains inaccurate.
Consumer complaint received 2016-09-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NC)

XXXX Mortgage company had reported me to all credit bureaus as FORECLOSURE HAD STARTED -- -absolutely complete lie!! I had reached out to Consumer financial protection agency to get XXXX to own up to their errors, which they did and finally XXXX sent me a letter to inform me that XXXX would contact all credit bureau agencies to repair the damage. Equifax will not accept the letter from XXXX they want an " electronic deletion from XXXX directly ''. XXXX is not entertaining my request and told me they already sent the letter and that 's enough. I do not feel I am being treated fairly from Equifax! XXXX account needs to be PERMANTLY removed from my credit reports as well as the HARMFUL " foreclosure '' remark needs to be removed from all XXXX credit agencies : EQUIFAX, XXXX AND XXXX!!! I have monitor systems on all these accounts and the foreclosure is still being reported!! 
Thank you!
Consumer complaint received 2016-09-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (WA)

My Wells Fargo checking account suddenly began charging me a $ XXXX monthly fee. I have been a WF customer for decades ( several checking accounts, investment account and IRA account ). Nothing changed on my end. The balances did not drop below any figure a WF agent was able to identify for me. No accounts were changed. The amounts in my accounts in total are substantial and certainly exceed any possible minimums. The agent said the fees would be refunded. But, could this be another fraudulent strategy on the part of WF that is widespread at {$30.00} per customer per month ( for those that do n't notice! )?
Consumer complaint received 2017-03-01
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

I believe that I have unfairly been charged 2 separate overdraft fees for the same day. On XX/XX/2017, Bank of America processed a series of charges which caused my checking account to go negative by a few dollars. While, I very much find the timing and manner of which they processed these charges objectionable, I will concede that I did schedule more charges than was currently in my account believing that I would have time to deposit more funds ( which I did the very next day ). What I find virtually criminal is how they structured the events ( of the same day ) so that they took a minor amount from another of my accounts to charge me a " {$12.00} overdraft protection fee '' and then charge a " {$35.00} overdraft fee '' for the same day all processed simultaneously!
Consumer complaint received 2016-04-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America refused XXXX mortgage payments from me & returned them all to my personal account stating the amounts were incorrect with no further explanation. They refuse to reaffirm my mortgage after Bankruptcy and I 've been making payments until I lost my job in XXXX 2015. I pay homeowners insurance and property taxes via escrow, yet I 'm being treated like a renter. I applied for modification during my job loss & have made several attempts to make payments. Bank of America took payments in XX/XX/XXXX & XX/XX/XXXX and has refused all others. I have been assigned to XXXX different account reps within a very short period of time & no one has any answers regarding my payments being rejected.
Consumer complaint received 2023-12-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I have a PenFed Credit Union Heloc coming due on XX/XX/. PenFed suggested I apply for another Heloc to payoff the current Heloc so I started the process immediately. 

The new Heloc application was started on XX/XX/, and I sent over the necessary documentation to PenFed on XX/XX/XXXX. 

The processor had the properties listed on the application wrong, causing several delays on PenFed 's end. I explained she had them listed incorrectly and she told me on XX/XX/XXXX, not to send anything else over and that her and her team have it handled. She said she would be in touch with me the following day, and I never heard from her. I then tried to contact her and the management team, several times, and no one would call me back. She FINALLY emailed me on XXXX XXXX this type of delay is unacceptable, considering the position she's putting me in. 

I talked to my loan officer today, who said this loan should have been done and completed on XX/XX/XXXX, it's now XX/XX/XXXX and I still don't have an approval. 

This is extremely concerning to me- my credit scores are XXXX, I am more than qualified for this loan. If PenFed Credit Union does not close this loan on time due to their lack of communication or response, I'm at risk of foreclosure, and my credit will be destroyed. 

I ask that this issue be escalated - I'm beyond frustrated at the lack of communication and consumer care when I have been responsive and diligent. If you want details, I have everything documented, all emails saved, and a timeline prepared. I was told over the phone with the CFPB to keep this commentary concise and brief.
Consumer complaint received 2016-09-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

On XXXX XXXX I requested my XXXX free credit reports from this website and I was not able to get a report from Transunion. I was able to get XXXX and XXXX but not XXXX. After 2 days of calling I still am not able to access my Transunion report, the agency will not provide a digital copy and I have an already existing issue of mail fraud at my residence. It has been 5 days and I am still not able to access my credit report and after several phone calls the customer service is unable to do anything. Effectively I am locked out of my Transunion credit report, unable to correct errors, which there has been on my other XXXX reports, or access my report by any other means other than regular mail. If mail is the only means of getting my report then there will not be any ways to correct the report, which is n't verifiable. I want to access my report online just like I did for the other ones. I have called XXXX different times and spoke to multiple reps that bounce me around and do not help or hang up.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.