davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-01
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

I currently have student loans through Navient formerly XXXX. I have received no help from Navient for the past 3 years since having my bankruptcy discharged. Before filing the bankruptcy, I was dealing with XXXX once discharged I had to resume payments to now Navient. I have been threatened continuously, told that I have exhausted any deferments or forbearances ( all done prior to the bankruptcy ) and was just told that my payments were going to go up even with me renewing the 'income driven repayment plan '. They do not currently have my current earned income. Mid-year last year, I changed jobs. I am making less money than I did at the time of the last application. I heard on the news about the Feds coming in and suing Navient for being dishonest in how they apply the payments. I am currently trying to get away from Navient and applying for a loan consolidation and loan forgiveness through the US Dept. of Education. I need help. I have been paying on this loan with no help from Navient, money is tight due to my health and finances and every time I deal with Navient, I start to cry. There is no need to add undue XXXX to what I am currently going through. The school is no longer open that I attended 20 years ago. I really need your help. Are you able to suggest a servicer who can help me? According to the US Dept. of Education, they can not give me much information. I have to wait for confirmation of my social before applying online through studentaid.gov for my loan consolidation. I have to pick a new servicer and would like to make the best decision possible for my situation. My current payment is {$190.00} due on the XX/XX/XXXX of every month and Navient has threatened to increase it to over {$400.00} by XXXX. Please advise.
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion is currently reporting the following inquires on my credit file are over 2 years old. 

all of these inquiries are from XX/XX/2014-XX/XX/2014 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX 9. XXXX 10. XXXX XXXX 11. XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX via XXXX XXXX XXXX 14. XXXX XXXX XXXX
Consumer complaint received 2016-11-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

On or about XX/XX/2016 I applied for refinancing on two of my properties at Wells Fargo bank, after the initial interview from the loan XXXX he requested and authorized Appriasels on both properties at a combined cost of appr {$1500.00} for both, after the valuation came in my loans where denied based on income, debt ratio, I requested a a refund on the money spent for the appraisals after Wells Fargo sent me a letter that they wanted to redeem themselves by refunding money customers spent on unnecessary services, I contacted Wells Fargo representatives starting in XX/XX/2016, after several calls to and from myself to them, and them to me, it appears no progress has been done.i need some direction as to how to proceed with this, your time and consideration in this matter is greatly appreciated.
Consumer complaint received 2016-12-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (MI)

My insurance premiums are based in part on my credit score. My most recent premium statement showed a drop in my credit score from XXXX to XXXX and a drop in rating from XXXX to XXXX. This results in a higher premium. As instructed, I have contacted my insurance company and XXXX. I was told that they only know what Experian tells them. I was able to get a copy of my credit report. I was not able to submit a dispute, because the information on my report seems to be correct. It does not however, seem to support the reasons for the reduction in my credit score. I am going to contact my agent, and start another lap trying to get information that no one seems to have.
Consumer complaint received 2016-06-25
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (MN)

I have sent numerous letters and made numerous telephone calls of complaints to Wells Fargo Financial National Bank in regards to my XXXX Account : XXXX and receiving defective furniture from XXXX XXXX. My issues still has n't been resolved as of today. I been attempting to resolve the my issue with Wells Fargo Financial National Bank and XXXX XXXX for almost 1 year now.
Consumer complaint received 2016-11-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (VA)

I have called PNC customer service 3 times and requested a PIN so I can create an online account and see my loan statements. All 3 times I have been denied! 



Account XXXX, PA XXXX Account XXXX
Consumer complaint received 2016-11-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I previously deleted the following inquiries on my credit report and TransUnion has failed to provide me with an update and or remove the inquiries. The investigation has been longer than 30 days. 

The following inquiries are inquiries that I am deleting as a result of identity theft : XXXX - XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX I 've contacted each and every company and they ca n't tell why or how my credit was run. They advised that I dispute the information with the credit bureaus which I have done several times with TransUnion. If they ca n't validate the information for me and ca n't tell me why it was run then TransUnion must not be doing an investigation on these inquiries as I am requesting.
Consumer complaint received 2016-10-21
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: American Credit Acceptance, LLC (TX)

I was charged an interest rate that was higher than the limits set forth by the Attorney General office for auto loans, the purchase amount of the vehicle was not disclosed, the vehicle was repossessed and sold leaving a deficiency balance of {$6400.00}. My original bill of sale does not include the sale price of the vehicle, therefore, it is not know to me whether the deficiency balance is accurate or inaccurate. The lender has refused to provide the information and has reported to all XXXX credit bureaus a balance of {$10000.00} as written/charged off and is reporting active collection activity of {$8300.00} after the sale of the vehicle. The documentation from the lender states that the vehicle was sold for {$6700.00}.
Consumer complaint received 2016-11-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX is not reporting correctly to the Credit Bureaus. According to both TransUnion and XXXX my balance is {$2100.00} with the last reporting dates XXXX XXXX. That is inaccurate because according to XXXX XXXX XXXX XXXX website my balance is {$1000.00} with the last payment date as XXXX XXXX in the amount of XXXX.
Consumer complaint received 2016-10-21
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: I.C. System, Inc. (MD)

A company identified as IC Systems contacted me by telephone at my job about a week ago and wanted me to " verify my address ''. Because I had no established relationship with them and did not know who they were I refused to give any information and asked that they not contact me on my work number again. They have since called the company repeatedly, prior to my work hours, and have disconnected or hang up the call as soon as someone answers other than me. I was told they asked what was a good time to reach me and was told after XXXX XXXX. Since I spoke with them about a week ago ( after XXXX ), their names appears on my employers call log on at least two occasions -- most recently this morning ( XXXX XXXX, 2016 ) at XXXX XXXX.
Consumer complaint received 2016-11-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (PA)

Experian has a habit of reporting incorrect addresses on my credit file currently they are reporting me to have the following address and they ALL ARE NOT MINE - I HAVE NEVER LIVED AT ANY OF THESE ADDRESSES XXXX XXXX PA XXXX ( this was deleted before and now reinserted ) XXXX XXXX PA XXXX XXXX XXXX PA XXXX ( this is never my address this is a business ) XXXX XXXX PA XXXX XXXX PHILA PA XXXX NONE OF THESE ADDRESSES BELONG TO ME
Consumer complaint received 2016-06-25
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: LoanCare, LLC (CA)

My second mortgage was sold to LoanCare. After a leak in my home created considerable damage, I started receiving checks from XXXX to pay repairers. Checks were sent to LoanCare to endorse. When the amount reached {$20000.00}, LoanCare put numerous obstacles in our path - a variety of paperwork from numerous people, checks that had to be returned because they were made out to the wrong person etc. The final straw was a check made out to me and XXXX subcontractor ( I had to pay XXXX different contractors ). I must now send this check back once again without confidence that I 'll ever get the money. They are obviously a shady company considering all the complaints I read on the XXXX website. Ca n't anything be done?
Consumer complaint received 2016-11-27
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (CO)

Equifax is improperly giving my personal information to a company called " XXXX without my permission. I received a letter from this company telling me I have a negative items reporting on my account. I do n't if this is a legitimate company or not but when you call them you can not get through to a live person and the website " XXXX '' is not working. This company insists that they are an Equifax company. The letter then has the audacity to ask people to apply their social security number and dat of birth and then mail the letter back. How is Equifax allowed to just share my credit report without me explicitly giving my permission. I would really like this companies practices to be investigated.
Consumer complaint received 2016-11-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (IN)

Thank you for helping me. Seterus continues to apply my on time/early house payment to principle, then charge me late fees. This is a habitual problem. The XXXX, 2016 house payment I wrote on the check and on the statement " XXXX House Payment ''. Seterus applied my payment XXXX XXXX, 2016 to ... ..you guessed it ... .the principle, again. When Seterus called I I said, " MY BURDEN IS TO PAY ON TIME. SETERUS ' BURDEN IS TO APPLY MY PAYMENT PROPERLY AND ON TIME. '' This is constant and ongoing. They have not reversed and corrected it. They are fining and feeing me to unbelievable proportions. I continue to pay on time and they continue to miss apply my money. My burden has been met. They are charging me fees for I do n't know what because I do n't pay late. They are careless and reckless when applying my mortg payment. Can you help? XXXX
Consumer complaint received 2016-11-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (TX)

I paid off this loan and it was overpaid by {$650.00} in XXXX. XXXX ( I think is Santander Bank ) said I would have the refund no later than XXXX XXXX. I called and they said they issued me a pre-paid debit card through XXXX, but I never received. I have called several times and have not been able to get my issue resolved or my funds released back to me. At one point they were telling me it was my responsibility to contact XXXX to get them to re-issue the debit card. When I called XXXX, it 's an automated voice response system that requires a XXXX digit account number. Because I never got the pre-paid card, I have no account number so XXXX could n't help me. I called XXXX back and asked for a manager and said if they did n't help me I would go to the CFPB and the agent said because I said that she had to hang up on me. I called back again and asked for a manager, who told me again I would have to go to XXXX. I told him that XXXX could n't help me and that I wanted to speak to someone above him. He then transferred me to the " office of the President '', where I left a message. Noone has contacted me back to resolve.
Consumer complaint received 2016-09-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We obtained our first mortgage from Bank of America on XXXX/XXXX/XXXX and completed BOA in house modification program in XXXX/XXXX/XXXX. Its new principal balance of the note is {$700000.00} ( current interest bearing principal balance is {$490000.00} and deferred principal balance is {$180000.00} ). The loan has been transferred to XXXX Mortgage for service since XXXX/XXXX/XXXX. 

Our house has been underwater for many years ; we want to move on by requesting Principal Forgiveness of the deferred principal amount of {$180000.00} by using BOA settlement with Department of Justice of XXXX. When we contacted BOA on XXXX its representative informed us that we should apply through XXXX since they service the loan. Despite financially qualified, we were finally informed by XXXX in XXXX that our application was not approve because they believed we are doing fine with BOA 's XXXX modification. 

Our loan was originated by BOA and we believe we are entitled to apply for that relief from BOA for Principal Forgiveness. The settlement stated that credit will be provided to BOA for any Consumer Relief completed by any subservicer and for loans sold to other servicers. 

Appreciate if you can advise us best way to approach our situation. Thanks.
Consumer complaint received 2016-06-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (CA)

I have a mortgage with Caliber Home Loans which went into foreclosure. I made a large down payment and have been making payments every month since XXXX XXXX. Caliber recast the payment arrangement to lower the payments from {$9000.00} to {$7700.00} per month which was approved, and XXXX XXXX, a letter was sent to me stating that as agreed {$9000.00} was to be paid XXXX XXXX, XXXX and every month after that {$7700.00}. The letter clearly states that ALL FORECLOSURE ACTIVITY WILL BE SUSPENDED. However, Caliber did not notify XXXX XXXX XXXX ( the company that does the foreclosures for Caliber ) that there is a payment plan in effect. XXXX ordered a sale date on XXXX XXXX, XXXX and it was tacked on my door on XXXX XXXX. The letter clearly states that all foreclosure activity would be suspended. Going against the agreement, foreclosure activity began before the payment was due. Payment was due Saturday XXXX XXXX, XXXX and sale date was order XXXX XXXX, XXXX
Consumer complaint received 2016-11-23
Product: Consumer Loan — Pawn loan
Issue: Applied for loan/did not receive money — 
Company: JPMORGAN CHASE & CO. (MI)

We bought a condo in texas-needed a line of credit to pay for condo while the other XXXX sells ( need money for XXXX-90 days ) Were told it would take 45 days. Problem is we made a purchase of the new condo being told we would be able to get $ XXXXtowards purchase. We went ahead gave all our information as needed-as we proceeded they continue to ask for more and more information repeating much of the same questions- They also kept lowering how much money they would loan ( from {$300000.00} to {$200000.00} to {$170000.00} and finally {$60000.00} ) We had to constantly call them because most of the time they would not call us back as they said they would. Now just to let you know we have excellent credit XXXX homes paid for worth {$750000.00} and investment of over {>= $1,000,000} we explained we only needed the funds for a short period of time not a mortgage - we felt we were being avoided. We had {$2700.00} dollars on the line and no commitment, thank XXXX we were able to obtain a line of credit against our investments otherwise we would have lost the deal and our money We have several accounts with Chase bank that is why we went to them and am sorry we did. I would not recommend them to anyone and furthermore question further use of their bank.
Consumer complaint received 2016-10-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TX)

These private loans with Navient were issued under duress. They involve predatory practices and take advantage of unsuspecting new college students. Navient ( formerly XXXX XXXX ) should not be allowed to pursue collection on these accounts. I believe these loans violate lending laws, FCRA laws and debt collection laws.
Consumer complaint received 2016-11-28
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I contacted 2 mortgage companies for a refinance. Bank of America was one. I chose to go with Bank of America because I have all of my finances through them, including retirement, and they were able to match the quote from the other bank I contacted. They took their time processing the documentation that was submitted, then all contact from them stopped and I was assigned a new loan officer without any notice. My closing documents were updated with a significant increase in closing costs, including points ( the original closing docs did not include points ). I reached out to the new officer via phone, and my previous loan officer asking about the change and asking for it to be reverted. They ignored me for some time and we missed the original closing date. Finally, after contacting them again several times, I finally heard back from my original loan officer and he assured me the the closing costs were accurate based on what I was paying for taxes, and that the points had been removed. I confirmed that the closing document had been updated again with the removal of the points, and proceeded with the closing. The closing documents were NOT updated again on the mortgage portal, yet the ones I signed included points. After closing I realized that the contract I had signed included points, and I contacted my loan officer. He explained that the closing documents had again changed after my conversation with him confirming that no points would be added. He explained that because the loan took so long to close they had to add points in order to keep my original locked in rate. I was constantly asking them what the problem was and there were not held up through anything from my side - the delay was entirely Bank of America 's fault, and I told the officer that I should not have been charged points when they did not notify me of the change prior to the closing date. They clearly pulled a bait and switch, hoping that I would not notice the original terms had changed. I submitted a review on their internal loan satisfaction survey and selected the option that requested Bank of America contact me to resolve the issue. That was several weeks ago and I still have not heard back from Bank of America.
Consumer complaint received 2016-09-12
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (TX)

Dear CFPB, This complaint is in regards to American Express not awarding a bonus offer on a credit card after meeting the T & C and minimum organic spending requirement. 

Several months ago, XXXX Membership Reward points were awarded by a representative and a chat log was indicative of this. This bonus offer was attached to an American Express Platinum card that I had downgraded after a poor experience at a XXXX XXXX in XXXX. The points were awarded and listed as 'available, ' leading me to believe all terms and conditions of the offer were fulfilled. 

Strangely, I was not given any indication or letter about the lack of bonus offer and believe I may have been misled by false advertising. I would like to request intervention. Thank you.
Consumer complaint received 2016-06-24
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I continue to receive charges on my Bank of America credit card for a company I 've never done business with and have never heard of. BOA claims the charge is legitimate based on information the vendor allegedly provided. It 's difficult to see how anything real could have been provided as I 've never heard of this company. BOA bounced me around to 5 different departments, each of whom claimed they could n't help and had to transfer me on. Of course, each person again required all of my information to be given again and all of them were totally unable to help. 
This is a clear case of fraud yet BOA refuses to take action.