davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-25
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XXXX I noticed that my Bank of America account was in the negative, and that an overdraft protection fee had been applied to my account without any charges prompting a negative balance. Essentially we were charged for an overdraft fee when our account was not in the negative ; this fee then caused our account to be taken into the negative. We were given an overdraft transfer feel when our account was n't actually over-drafted, and this fee ultimately created a negative account. 

My husband, who shares the account with me called Bank of America to inquire why they would post the charges this way ( some past charges were not posted in real-time ) he was told that the transactions could be deceptive but were unwilling to refund the {$10.00} overdraft fee which caused our account to go into the negative -- when there was NO need for the overdraft fee to be applied in the XXXX place.
Consumer complaint received 2016-02-26
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (TX)

Consumer Financial Protection Agency Dear Sirs, Madam Re : Freedom Mortgage XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ever since I received a copy of my mortgage statement in XXXX I noticed that they had paid for XXXX house insurance policies for 2015. I had changed my insurance company from XXXX XXXX to XXXX before the XXXX policy expired in the month of XXXX. I had told XXXX to cancel at that time. The policy amount paid by the mortgage company, XXXX Mortgage, was over {$4800.00} where the policies with XXXX and XXXX were about {$2300.00} and {$2600.00}, respectively. I called the mortgage company and they had no answer for the double payment. The only information I got from them was that the XXXX payment was returned to them in XXXX 2015. To this day I have had no communication returned to me at all except for XXXX XXXX XXXX with Freedom, telling me she does not handle these complaints. Please help me with this problem as I do n't know how to make them listen to me. 
Thank you very much, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXXXXXX Account Number XXXX
Consumer complaint received 2016-02-24
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

We had a loan modification put in place XX/XX/XXXX that expired XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX and the lender determined the monthly payment of {$1500.00} and the term ending in XX/XX/XXXX. This was not a re-modification but the remaining loan conditions. 

A transfer of loan servicing companies occurred during XX/XX/XXXX with payments due to the new company, BSI Financial Services, in XX/XX/XXXX. Timely payments have been made with the old servicing company as well as the new servicing company with all terms staying the same. 

As of today 's date, no XX/XX/XXXX statement is available ( usually mailed and nothing is online ). To our shock, the online account information shows the XX/XX/XXXX payment due of {$5200.00}. 

Why and how can a new loan servicing company just change the payment? Do we have to wonder if we can stay in our home every time a new servicing company is hired? 

The main issue is how do they have the legal right to change our loan? The modification period was over XX/XX/XXXX. The remaining rate and terms were decided at that time. Since that decision we 've made all payments on time. Nothing else has changed except a sudden change in our payment without notice, without a statement, without a reason, and besides all of that, about a 16 % interest rate. 

Notices from both servicing companies that announced a new Servicer will be collecting the loan payment state " Nothing else about the mortgage loan will change. '' Per BSI Financial Services, we can not make our normal payment of {$1500.00} because it will only be put into the " unapplied funds '' account. Only {$5200.00} will be accepted. 

So we not only have an invalid ridiculous payment change but now our good record and credit are in jeopardy since we can not make our valid mortgage payment. 

As XXXX XXXX barely making ends meet, we do not need this duress and stress. 

There is absolutely no reason for the new servicing company, BSI Financial Services, to change our loan terms, and even if we were n't seniors, this is outrageous.
Consumer complaint received 2015-10-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SECURITY FINANCIAL (SC)

I write this formal complaint against a loan lender company named, XXXX XXXX Mortgage, XXXX. I believe it is subsidiary of United Security Financial Corporation, XXXX XXXX, IL. This is regard to a dispute that has since occurred from XXXX of this year, 2015. They are the company that finances our 30 years fixed rate FHA Loan. Prior to this company, we had XXXX., located in XXXX XXXX, IL. XXXX sold our loan to XXXX XXXX at the beginning of XXXX of 2015. Prior to becoming a part of XXXX XXXX, we never missed our monthly payments. Attached, you will see payments ' history with XXXX while servicing our loan. There has been no deficiencies from the date they took over our loan. 
Since the loan was transferred to XXXX XXXX in XXXX, we began making payments as required. However, it came to our attention that our XXXX payment was not received, when in fact there 's a bank withdrawal statement which showed that the amount in question was paid. From the onset, XXXX XXXX stated the payment was rejected by our banking institution, XXXX XXXX due to insufficient fund, which was untrue. A copy of the bank statement indicating the amount being withdrawn is attached. After several calls and denials that the XXXX payment was not paid to them, we have to request printouts of payments made. As a matter of fact, we requested printouts of checks leading up till XXXX from the same bank. XXXX of the bank representatives was on the phone with a customer service Rep from XXXX XXXX, XXXX XXXX XXXX, and it was confirmed that there were sufficient funds in the account to ascertain that the XXXX payment was cleared. 
In recent time, the newer claim from XXXX XXXX has been, that XXXX stated that our XXXX payment was rejected. See also the attached document as well as a print out history from XXXX. 
Below is a communication dated XXXX XXXX, 2015 from the XXXX XXXX Rep previously mentioned : Hello, Please see attached letter written to us from XXXX. They are stating that the pmt you made on XXXX/XXXX/2015 was returned by your bank on XXXX/XXXX/2015. Please refer to your bank statements for those dates to see if that information matches with your statements. I have also attached the statement from XXXX verifying pmt was returned. 
XXXX XXXX, Customer Service Representative | XXXX XXXX , XXXX. 
Your partner in the mortgage industryPhone : XXXX : XXXXXXXXXXXX | XXXXIn light of the above, I write to request your intervention in order to resolve this matter so that I will not have to bother with a barrage of phone calls, mostly at night and constant harassment from these folk.
Consumer complaint received 2015-07-29
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (NV)

We attempted to make payments to Sam 's Club XXXX and our electronic payments were not accepted by their bank without explanation. When I called them they could n't explain and declined to call our Credit Union. Then they charged us interest ( at outrageous rates ). I cancelled the card and they cancelled the points we had earned. We have a decades long history of paying all our credit cards in full and on time every month and have never experienced this problem with any other credit card. Our credit rating dropped from over XXXX to the low XXXX 's, I assume because of them. - XXXX XXXX
Consumer complaint received 2015-05-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (HI)

Recently I disputed item XXXX with Equifax. They verified it as accurate, which I found very hard to believe. Pursuant to the Federal FCRA, I invoked my rights to understand how they investigated this incorrect item. Equifax failed to respond to this lawful request.
Consumer complaint received 2015-05-04
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (VA)

Original loan amount was XXXX, now I owe over XXXX, none of my payments go to the balance and I am now unable to pay at all after having a death in the family.  I don't want to have to claim bankruptcy over this one stupid decision.
Consumer complaint received 2015-10-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

XXXX, XXXX, XXXX have been trying to make additional loan payments to principal since XXXX 2014. Navient has continually made processing errors ( including not making payments recurring as directed and promised and not making payments in the proper amount ) and providing incorrect information regarding manually making additional payments. This has resulted in a continual halt on progress in paying down my student loans, which the company takes no responsibility for. The representatives will apologize for previous errors, but will not take actions to retroactively correct them ; although they promise to " personally monitor '' future payments, I never receive the in-writing confirmation that they promise. I have also requested documentation including my XXXX and loan disclosures be sent, which I 'm told has a XXXX day delivery window via USPS. To date, I have not received these documents and have just made another request for them today. 

Most recently, I was advised that if my billing due date is on a weekend, I should schedule an additional principal payment for the first business day following as their online system does not allow scheduling payments on a Saturday or Sunday. Following the representative 's instruction resulted in two days of accrued interest taken out of my additional payment ( due date Saturday XXXX. payment scheduled for Monday XXXX ). The supervisor I spoke with today sent in a request that my payment be made effective on XXXX as I was given faulty information, but can not guarantee that any action will be taken. I was advised instead to schedule additional payments on the Friday before any weekend due date, although this may still result in accrued interest charges. 

Each time I have to call Navient I can count on at least 45 minutes to an hour or more of my life wasted. Navient engages in shady business practices that not only waste my time and money, but also appear to be illegal ( if not absolutely immoral ). I have no recourse other than to continue wasting my time and energy with a customer service department that is inept, uninformed and makes " promises '' and " guarantees '' that they do not keep. 

I have a record of most of my calls since XXXX 2014, including names and promises made.
Consumer complaint received 2015-06-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This letter is my formal complaint, and ask you to investigate the business practices of Trans Union. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report to assure maximum accuracy. Without proper verification by their company, anyone paying for reporting services could fax, mail or email in a fraudulent account. 

They have no Verifiable Proof ( an original Consumer Contract with my Signature on it ) to verify that the account belonged to me the first time they reported the account on my credit report. Their failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. I 'm asking them to provide me with a copy of an updated and corrected credit report showing these items removed.
Consumer complaint received 2015-06-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (CA)

I asked via certified letter on XXXX/XXXX/15 for a debt validation to Enhanced recovery co. for an alleged debt of {$200.00} that I owed originally to XXXX XXXX XXXX in 2012. XXXX months have past since my original request and I still did not received any proper documentation ( re : copy of last invoice from XXXX XXXX to my attention ) to support this debt. Without any response from them I subsequently reported them on XXXX XXXX, 2015 to the CFPB, Enhanced finally responded in writing on XXXX XXXX 2015 stipulating : '' Our agency request related documentation materials associated with the account from XXXX XXXX cable. Upon receipt of any materials from our client, our agency will forward the documentation to XXXX XXXX Address on file. " More than XXXX days have past since this letter and I 'm still waiting for the proper documentation validating this debt. 
They are however still reporting me monthly to the credit bureaus.
Consumer complaint received 2015-05-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

Since recently finding out I am a victim of identity theft, I personally went into the bank to change my account number and added an additional password ( for security ), which I witnessed them ( accurately ) typing into the computer. On XXXX XXXX, 2015, I contacted Wells Fargo, via telephone, with a question about my checking account. At the time of said call, I was told my personal password was incorrect and I could not be verified. I immediately went to the bank, waited over XXXX mins to speak with the proper person, who then informed me my password was changed by XXXX letter. I never authorized this change.
Consumer complaint received 2015-03-25
Product: Credit card — 
Issue: Privacy — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My husband and I have a Bank of America Visa account My Name is XXXX XXXX XXXX XXXX XXXX XXXX has a XXXX XXXX Card and they confuse our XXXX names. Three years ago they had her information linked to our account. At that time I took this to the local branch to have it resolved. Last week I received a e-mail addressed to XXXX XXXX XXXX in regard to the branch visit on XXXX XXXX, 2015, I called to Bank of America fraud division and they stated she gave them our e-mail address., I 'm sorry but our e-mail is very different and not many people know the name. When I tried to take the survey to correct this and tell them that I did not visit the branch they gave me a pass word assume to XXXX XXXX XXXX account. We do not know if they have given our information out to this lady. How can a person be assured that this is not the case
Consumer complaint received 2015-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Transunion is reporting my XXXX XXXX XXXX Account ( XXXX ) 30 days late for cars purchased in XXXX ( XXXX XXXX ) and in XXXX ( XXXX XXXX ). 
In XXXX, the XXXX XXXX was paid in full by the credit union and the payment was not late. 
In XXXX, the XXXX XXXX was paid within 30 days.
Consumer complaint received 2015-07-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

I originally entered into a mortgage in XXXX and refinanced with XXXX Mortgage in XXXX. 
In XXXX XXXX agreed to pay {$320.00} XXXX dollars to settle claims of deceptive lending practices. I was not one of those whose mortgage was re-worked nor did I receive any funds from XXXX. In XXXX, XXXX brought XXXX and assumed the servicing of XXXX loans. 
In XXXX, XXXX foreclosed on the property by alleging that I owed {$88000.00} on a {$96000.00} loan. I claimed it had authority to do so under XXXX XXXX which is an open-end mortgage. The company granted only {$8000.00} toward the principal when, in fact, {$44.00}, XXXX was paid toward the refinance. 
XXXX attached a copy of the mortgage to the Complaint. The following items are missing from the document. 
1. HUD 's Case Number2. Monthly payment information, and3. Interest amount. 
Under HUD regulations, the loan was a fraudulent loan, hence, the foreclosure should be even at this point, declared a nullity.
Consumer complaint received 2015-08-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Ocwen Loan Servicing has sent me mail and left messages on my answering machine to give them updated hazard insurance information for my condominium. I have mailed it to them, emailed them, been on XXXX way calls with them and my insurers to prove I have coverage through my association. In fact I have a copy of my coverage right under my nose as I type this. They have vehemently denied they received anything from me and have forced insurance coverage that I will have to pay through an escrow account. I am at a loss of what to do. I have followed their instructions about mailing it to them, some agents have given me an email address while others say there is no email address. I do not have a fax machine, so I can not send it via fax ... although I am thinking of going to an office supply store to give it a shot. Tomorrow I will be sending certified mail with the policy so that I have some documentation they received it. I do n't want to pay my mortgage anymore because part of my money will go to mortgage insurance. I ALREADY HAVE HAZARD COVERAGE!!!
Consumer complaint received 2015-03-29
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Exeter Finance, LLC. (IL)

got me on a computer calling machine after I talk to a representative off this company they continue to call me XXXX times a day, I have already made payments for automatic withdraw from my checking account, and they still harass me, I also told them not to call me on the XXXX and yet I recieved XXXX calls today.
Consumer complaint received 2016-02-26
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (FL)

Been receiving harassing phone calls from synchrony bank concerning a sam club credit which I do n't have. I contacted the bank and was transfer to sam club credit. Sam club credit acknowledge that they have no record of me. I ask for the phone calls to stop but they still keep coming. Been receiving these phone call for a month, several times a day.
Consumer complaint received 2015-05-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: State Collection Service, Inc. (WI)

I am a XXXX veteran. Several times as a XXXX, WI veteran, the VA send me to the XXXX hospital and clinics to be treated and they ( the Veteran Affairs Office ) pays them directly. In particular I have several debts that a ) never received notice of ; never given a chance to dispute until this year ; and they immediately sent this information to the credit bureau and collections which have failed to inform, notify or head my numerous attempts to dispute this debt. The debt collectors from XXXX XXXX hospital from XXXX 2009 assert that I owe {$220.00} from care they provided on behalf of the VA. Despite more than XXXX phone calls, and letters from the VA verifying they are going to pay it but they may some bureaucratic snafu, they still have this report on my credit report, I am not late, nor do I owe this debt!!
Consumer complaint received 2015-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In 2009 we completed a chapter XXXX bankruptcy for credit card debt, we kept both our home and vehicles. We are still living in our home and are still paying for it, we also have since paid off the vehicle and still own that and hold the title for it. However on our credit report it is showing that we lost these things in bankruptcy. We are applying for a loan modification due to the fact that my wife recently lost her job and are unable to move ahead because of this.In 2009 we completed a chapter XXXX bankruptcy for credit card debt, we kept both our home and vehicles. We are still living in our home and are still paying for it, we also have since paid off the vehicle and still own that and hold the title for it. However on our credit report it is showing that we lost these things in bankruptcy. We are applying for a loan modification due to the fact that my wife recently lost her job and are unable to move ahead because of this.
Consumer complaint received 2015-10-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: The Law Offices of Gerald E Moore & Associates, PC (CO)

I just received a call from Gerald E Moore and Associates on a supposed debt ( which i thought was taken care of about 6 months ago ). I spoke to a man named XXXX, this was for an Apartment that i lived in and moved out of about 2 years ago. I lived in the apartment for a little over 5 years, and had a roof leak issue the entire time i resided there. I explained to XXXX i had faxed in my dispute documents about 6 months ago ( it may have been another agency ) and assumed it was taken care of as i have n't heard anything. I explained in detail what happened and he told me my dispute was n't valid and they were " moving the account forward '' I asked him what moving forward meant and he said he was not an attorney and does n't know. So then stated that i wanted to send in my dispute to him and he said it didnt matter that my dispute was not valid, and they were moving forward with the account. I was stunned I explained that I had already done this and he said he had no record of it. I told him it would take me until this evening to get my emails and pictures compiled and sent. He then again tells me it would n't matter as my dispute was not valid. I did some research and have found this and the fact that they are supposed to look at my dispute. If i am disputing they have to give me a chance. They are not i am just being told over and over by him that I DO NOT have any option but to pay or have my account " move forward '' -even though he could n't tell me what that meant when specifically asking. This was very sad an frustrating here i am thinking I am going to be sued over something I do not in fact owe. Yet he is telling me I have no recourse. I need help. They gave me a file number which i can provide if needed.