davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (IL)

Navient demanded my payment in a VERY short notice upon notifying me that a payment was due. This caused me to delay payments on my other financial responsibilities. On XX/XX/2016, I was charged a {$150.00} fee to place XXXX of my Navient signature private student loans in forbearance at {$50.00} per loan with the XXXX private loans that I have an account with. Furthermore, the forbearance terms are HIGHLY unfair to the borrower as the forbearance period is only available for 1 year through the life of the loan. There are no protections for the consumer if they undergo a financial hardship or an unemployment period. Additionally, I can never receive a clear answer to questions from account managers regarding terms of the loan or interest rate information. In a steadfast manner, I am demanding a FULL refund of the {$150.00} forbearance fee that I paid to place my Signature private student loans into forbearance ASAP. Please notify me of how this refund can be processed. I really do hope that the lawsuit between the CFPB and Navient is successful in the CFPB 's favor. Navient is treating their customers so horribly that they do not have options to protect themselves from the BULLY 's that set policy 's in Navient 's regard. XXXX to those who work for the CFPB that are helping consumers receive fair treatment. Thank you for processing my request.
Consumer complaint received 2017-03-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I am receiving letters from Wells Fargo Home Mortgage saying that I owe all these fees. 
I have never been late on a payment, I pay the mortgage at the bank and get a receipt each time so I know that they have received all the payments. The property is a rental condo and they have never called me to have an inspection. The outside of the condo is maintained by the Homeowner 's Association so I do not know why I was charged for inspections of the condo when I am not even responsible for the maintenance of the condo building. There are also multiple attorney fees on their statement and I do not know why they needed an attorney and why I am being charged attorney fees. 
Years ago I spoke with someone at the local branch of Wells Fargo and I thought this was resolved and they said I did not owe anything but I keep getting bills from them. 
There have been class action lawsuits about this very same thing so it seems that they are charging a lot of other people fees that they do not owe. Please do something about this as I should not have to start another class action lawsuit to stop them from charging fees that are not necessary and have nothing to do with my loan. 
I am attaching the letter with the breakdown of the fees that they sent to me and also a copy of a letter I received about a class action lawsuit but I did not do anything about it at that time because I did not know that they would be charging me all these fees. 
These big banks received money from the taxpayers and the government so why do they need to collect more money when it is n't even necessary to do these inspections and they do not need all of these attorneys either, especially when someone pays their mortgage every month. This has to end. They are getting away with charging fees to lots of people and it adds up to a lot of money as many people just pay it to stop the harassment but it is wrong so please do something to stop the abuse of power Thank you.
Consumer complaint received 2016-04-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CHARLES SCHWAB CORPORATION, THE (NC)

On XXXX XXXX, 2016, on Saturday at XXXX, I talked to a Charles Schwab customer service representative. I called to see why my check card could not be activated by phone. After answering all the identity questions from this representative ( address, social security number, and finally drivers license number ) she looked into my accounts. What had happened was that a card from an old account that I closed had been sent and this is why I could not activate it. After my question was answered, this rep proceeded to ask me if I was employed, what colleges I have attended, and what jobs I had worked at. Then she asked if I were going on vacation! I actually thought she was going to ask me what my net worth was! She then proceeded to insult me and say 'I do n't know why you are activating a check card with only this amount of money in your account '. My friend dealt with either this same woman or one like her 2 years ago. He contacted Charles Schwab with a question concerning his account. She asked him why he was withdrawing money from his account and THEN asked him what he was doing with it!! And 2 years ago, after the way he was treated, I decided NOT to use Schwab as my primary bank and closed ALL my accounts except for XXXX checking and brokerage account. Today XXXX/XXXX/2016 I closed the last remaining accounts. 
I complained to Charles Schwab customer service by their online email. I received a response that basically stated that someone would call me. On XXXX/XXXX/2016 a male, who did not give his name, called me and claimed he had listen to the tape concerning the incident in question and said this was further verification for my identity, which is a lie. HE DID NOT LISTEN TO THE TAPE because he would have known that my identity had been verified and the female rep immediately pulled up my account information. This guy was raising his voice at me and justifying what this female customer service representative was asking. I had to yell at him to be quiet because I could not get a word in edge-wise and finally hung up on him and he was still with a raised voice yapping away. My identity was already verified and she was just being nosy. Charles Schwab never knew where I worked or what colleges I attended so this information was not used to verify anything. A nosy customer service representative could easily be tempted to commit fraud or theft with account holders. They are deceptively obtaining information, data mining, in the guise of the verification of identity.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXNever Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2016-11-03
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Finally, after several years of hard work we are finally able to refinance several of our loans. XXXX was a condo, XXXX was a XXXX Plex and now the third is a rental property. There is a first mortgage owned by XXXX XXXX {$45000.00} in which I want to add {$22000.00} to make it a {$72000.00} loan. The HELOC owned by Bank of America at {$97000.00} is the problem because they will not allow subordination. The reason is I just spent {$22000.00} ( I have receipts ) on new siding, new roof, new gutters, new deck as it was original from XX/XX/XXXX and XX/XX/XXXX. In other words, it was a needed repair and it also helped increase the value when I received my appraisal. The lender I used saw no problem with getting my savings returned as she has been in the business for 15 years and has not been turned down. I even called several banks and Bank of America verifying this and they said I would be able to qualify for a loan. There are several reasons Bank of America should approve our loan : This loan was purchased as a rental and the HELOC was secured as a rental. It has been owned for 10 plus years. It has a low loan to value ( Equity {$100000.00} ) Never in 30 years have we been late on a mortgage payment. {$22000.00} was spent on property which helped increase the value and it 's located in XXXX. We have been a solid Bank of America customer for 30 years. Good credit score XXXX. No credit card debt or car payments. Recently refinanced a condo and XXXX plex. I 've been approved for this property to refinance and we are in a time sensitive lock and Bank of America has given us every excuse ; verbally told to me, 'its a rental ' 'and 'they do not do subordinations on rental properties '. I find this hard to believe. The fact that they have a Subordination Department means that they can do this and we have plenty of equity for Bank of America to approve our subordination. Not only that, we have been their customer for years.
Consumer complaint received 2016-12-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (VA)

looking online XX/XX/2016 at the bank 's statement of my account, I noticed an electronic check that I did n't recognize. It was for the amount of XXXX and the only name on it XXXX. I called the bank and they referred me to call a number listed on their copy of the check ( their new website launched this week, the check copy does n't show a phone number, hidden ). The phone number given by the bank for me to call is XXXX. A lady answered quickly and said that someone had ok 'd a monthly charge online. For what exactly was left unclear. The person identified their company as a handling company for XXXX, and the transaction will be cancelled and a refund issued in a few days. As of XX/XX/XXXX no refund has been received.
Consumer complaint received 2016-11-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC (OH)

I was forced into signing a 15 year mortgage instead of a 30 year mortgage which I could have afforded. My abusive husband divorced me and left me with the house XX/XX/2016. I am behind on my mortgage, and the lender, Rounpoint Mortgage Servicing Corporation is not cooperating within the legal boundaries of my consumer rights. 
First I contacted XXXX in XXXX when I was XXXX months behind on my Mortgage payments. They asked me to pay {$1500.00} in XX/XX/XXXX to catch up the payments. I could n't afford to, but they told me that was the only option that I had. Being a single mother of XXXX children this was not easy for me to accomplish. I prayed, and a close friend gave me the money and told me not to bother repaying him for it. I was still behind. Roundpoint told me that they would be automatically deducting payments from my account in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in the amount of {$1100.00}, and tha tI would be caught up in XX/XX/XXXX. That never happened. But again, I make $ XXXX/hour, and am a single mother supporting XXXX children. I called again in XX/XX/XXXX, once I realized the money was not coming aout of my account, and was further behind than before. I talked to someone else. They wanted another {$1500.00} before they would set up any kind of payment plan. I tried to set that up for XX/XX/XXXX, but did not have the money. I called again, and got nowhere .... I did some online research and found out about a program called Making Home Affordable. I sent all of the HAMP documents to Roundpoint via 2nd Day Air XXXX, and obtained a proof of deliver. And I waited. Nothing. Two days ago I received an updated statement from Roundpoint indicating that I owed over {$7000.00} this month for my mortgage and was facing foreclosure again. 
Today I spoke to XXXX XXXX from another organization that I found online called Hope Now, that specializes in helping people who are facing foreclosure. After explain this to XXXX, I Was advised that Roundpoint has broken some rules. Roundpoint not once offered me any information, nor provided documentation for me for the Making Home Affordable process, I found that on my own. Roundpoint never offered a single point of contact for me. Roundpoint never offered any type of payment plan for me. Roundpoint did not respond or attempt to contact me within any amount of time within 30 days of me sending them the required information to modify my loan and place arrears in deferment over the life of the loan that I requested. I was ignored, my rights were violated, my credit rating is ruined, and I am scared to death that I am going to lose my home to foreclosure.
Consumer complaint received 2016-12-07
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (IN)

This complain is a follow up to the response from the American Express since the response raised further question. The original case # is : XXXX. 

Why is the conversion limited to Blue Cash Everyday? Why ca n't I convert the discontinued card to Blue Cash or Blue Cash Preferred? 

The response raised further question. Because American Express purposely delays the rewards unlike other credit card issuers ( 1 month behind giving the earned rewards ), there is an issue if I would not let the conversion goes through. If I cancel the card and apply for the Blue Cash today as it stated on the response, I have to forfeit two months ( XX/XX/XXXX and XX/XX/XXXX since my statement date is on XX/XX/XXXX ) of what I righteously earned. Due to the discontinuation of the card, can you accelerate the rewards so that I can close this Cash Rebate card after I redeem both XX/XX/XXXX and XX/XX/XXXX cashbacks within this month, and apply for the Blue Cash within this month? I just do n't understand why I 'm being penalized for the American Express 's decision on this forced conversion.
Consumer complaint received 2016-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CA)

I continue to receive email notification that a new loan has been financed by this company. When I replied via email to this company and asked when this loan was financed and that they provide me with the documents because I am a victim of identity theft, they bounced my email off at their customer service counter and will not reply. 
I am calling this company today to see if they need a voice to connect to the complaint and maybe they 'll be more responsive. 
Additionally, they have asked that I pay upon this loan beginning next month at the rate of {$210.00} and yet they will not provide me with the particulars of the loan.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in those account to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2016-11-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: United Shore Financial Services, LLC (FL)

United Wholesale Mortgage ( UHM ) transferred my mortgage to a new servicer. However, they owe me a escrow refund. The problem is that since they transferred my loan, there is no way to reach UWM via the customer service number. Once their phone system asked me to enter my loan number for verification, the system tells me my mortgage has been transferred and to call the new servicer, then the phone hangs up. Calling back and trying to get someone to pick up the phone by pressing zero does not work. There is no way to get in touch with UWM in order to received my escrow refund. The new servicer ca n't help either as the issue is with UWM.
Consumer complaint received 2016-11-02
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

I took out my Bank of America credit card to pay all of my wedding expenses, with the expectation that I could pay it back after my wedding ( from the 0 % 12 month APR ) plus get a small cash back bonus from my purchases. I 've used the card for over {$5000.00} worth of wedding expenses, and have XXXX points. I am getting ready to pay off the card now that my wedding is over, and I am trying to redeem the points. 

When I took out the card, I was mislead to believe that the rewards acted as cash back. I did n't realize that the rewards were to be used to credit travel expenses only. I called BAC several times to try to redeem the points ; ticket # XXXX was created to have my points redeemed for full cash value as a one time courtesy due to this confusion, which equates to {$270.00} ( vs. the 60 % or so that was originally quoted to me ). Then, when I called in today, I was told that they can not honor this redemption at all. 

This is a great example of a credit card company offering a misleading, hard to use reward system. I entrusted BAC to help pay for my wedding and was lured in by a ridiculous, misleading reward system.
Consumer complaint received 2017-07-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP (OH)

After months of arguing, I did file a BBB/ CFPB complaint against KEY Bank . Well last week I was sent a letter and a check telling me now that they closed the account that they refused to close prior to the complaints. Also in my account before the illegal debits was {$21.00}, they sent me a check for {$14.00}, thus taking more of my money that they are n't entitled to. how can they get away with this stealing? and as of yet not one phone call from the corporate office in XXXX.
Consumer complaint received 2016-04-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (TN)

I contacted XXXX to discontinue internet service on XXXX/XXXX/16. I was told at that time I had a credit balance of just over {$77.00} and would receive a check in approximately 4-6 weeks. I turned in equipment to the XXXX XXXX office in XXXX TN on XXXX/XXXX/16. When I asked the lady who I turned the equipment in to if I had any outstanding balance, she said I had a {$77.00} credit and should receive a check in 4-6 weeks. I was shocked when I received a call from Afni Inc on XXXX/XXXX/16 saying they were trying to collect a debt from XXXX for {$32.00}. i have contacted XXXX twice already to get an explanation of why my account was 1 ) turned over to a collection agency when I had been told through two different XXXX resources that I had a credit balance ; 2 ) had an autopay on my account so that any outstanding balance due on my account should be charged to the credit card I had set up and had used for an extended period of time while I had service with XXXX. This is the second time I have had issue with XXXX either charging for services not received or turning a balance over to a collection agency when either no debt was owed or any balance due was misrepresented by XXXX representatives. Neither of the XXXX representatives have responded as to why my autopay method was not used if there truly was an outstanding balance after I was told by two resources of having a credit balance.
Consumer complaint received 2016-07-05
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLAZA HOME MORTGAGE, INC. (OR)

I lost my job on XXXX/XXXX/16. On XXXX/XXXX/16 I submitted an application with mountain of documents via email to the loss mitigation department. Since, I 've repeatedly received requests to email the same documents. Each time I email them, I call to confirm receipt and I 'm told they have XXXX days to review the documents. After the XXXX days elapse I get another email stating they need the same documentation. I sent an email asking for my representative to phone me and she has not. Today I also sent an email with a link to a dropbox folder than contains all of the documentation they 've requested. No response. I started the process in XX/XX/XXXX knowing that it would take some time. I knew that I would not be able to make my XX/XX/XXXX payment. At this rate, I will not get the deferral approved before my payment is due which could affect credit reporting.