davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-10
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY (OK)

I was charged a late fee with Target for not paying my payment on time. It was due the XXXX and I paid on the XXXX but it was after XXXX. I was not aware there was a cut off time. I called in reference to my bill because of this. I had a due amount of my regular monthly payment and the {$27.00} dollar late fee. The customer service person said sincnce I had a good record with them and was not aware she would credit back the {$27.00}. I assumed then since she took off the {$27.00} I know longer owed it and paid my regular payment. Then my next statement said I did not pay all due and charged me another {$27.00} and a {$38.00} fee. I called about this and he said even though they took away the {$27.00} dollars I still had to pay it. I did not understand and asked to dispute it as now they say I owe next payment {$110.00} dollars. They said I could not dispute this. I was very upset and became emotional and cried. He then set me up on a plan so that instead of owing my next payment {$110.00} it would be {$83.00}. I was crying as I was so upset. I told him they were XXXX over the customer and that who would not think if the late fee was credited why would a person still have to pay it. Then they really did not credit it. I still do not understand this entire handling of my account. Can you assist. Do I have any recourse?
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

Equifax will not freeze my file and does not answer phone, you receive automated message and then get disconnected, the webpage does not work, I have serious concerns and I still do not know of my SS # was part of the breach ... 

Equifax has not replied to any of my requests
Consumer complaint received 2016-09-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I have an extended fraud alert on my credit file as I 've been the repeated victim of identity theft since XXXX 2016. Despite this fraud alert an individual at Citizen 's One Bank was trying to secure an auto loan for a 2016 XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX # XXXX ). As is standard when authorizing a hard pull the individual at Citizen 's One Bank accepted an inbound, not outbound, call and spoke to the criminal using my identity. This violates the fraud alert and compromises my identity and safety even further. The individual 's name was XXXX at Citizen 's One Bank and his direct phone number was XXXX ext XXXX XXXX XXXX # XXXX XXXX. This employee of Citizen 's One Bank acted negligently and Citizen 's One Bank needs to immediately work with XXXX and have this inquiry on my credit removed. I 've filed an additional police report with local law enforcement.
Consumer complaint received 2016-06-07
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Today, at XXXX, a women who after I asked several times said her name was XXXX XXXX XXXX called me and acted like I was aware of the debt she was speaking of. I told her someone else called this past XXXX and he without making an attempt to make clear what he was talking about, was asking me for permission to record the call. I declined and asked what he was talking about. He finally stated it 's a Capital One credit card debt from 15 years ago. He started making some snide comments and I told him that I 'm not sure about this debt, but if it 's been 15 years you will have to forget about it. I told him not to call ever again and had to hang-up because he kept speaking. I 've had plenty of calls since then but did not answer because of the XXXX area code. But today this XXXX got me and wanted to get me to pay despite my repeated attempts to ascertain the nature of the call. She said it 's a Capital One credit card debt from 15 years ago that was {$200.00} that they usuriously grew to over {$5000.00}. I talked over her telling her to not call again and I could n't make out what she was threatening to do. I 'm sure over a decade ago I sent them a written desist demand. They keep pulling my credit report and harassing me. I want them to stop contacting me and stop pulling my credit report, They are a less than reputable company and have grown because there are a lot of foolish people that do business with them, or have they changed? I doubt it. They even state on an old collection notice that they ca n't sue or report payment or non-payment to a credit bureau.
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MO)

THIS IS NOT MY ACCOUNT. I HAVE DISPUTED WITH CREDIT BUREAUS AND IT COMES BACK VERIFIED. I HAVE NEVER APPLIED FOR CREDIT WITH THIS COMPANY, PLEASE REMOVE FRAUDULANT INQUIRY ASAP.
Consumer complaint received 2017-09-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (MD)

I am a first-time homeowner and I had no idea my mortgage lender did not accept partial payments. 

While juggling the adjustment from renter to homeowner I sent in partial payments only to see the mortgage company cash them and then weeks later send a company issued a check. 

I 've tried to reach the mortgage company on XXXX and there 's a recorded line and I can never reach a live person.
Consumer complaint received 2016-09-20
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Risecredit, LLC (CA)

I got a loan from Rise to pay off some debts that I had, after my bank denied me because of my credit score. Rise had been sending me fliers, letters, brochures all of which I would toss in the trash, after my bank denied me I thought about Rise and went to their web site after looking over their site and reading the information I decided to use a graph they had on the site that would help you estimate the amount you would have to pay based on the amount of the loan ( {$4500.00} ) and the pay off time ( 18 months ) my payment is {$530.00} a month so I thought to myself " thats a little steep '' but as i stated before my credit is awful. I am a retiree from XXXX XXXX XXXX XXXX XXXX XXXX after 30 years and that is my only source of income, my retirement.I completed the on-line application after I calculated my monthly expenses and seen that I could make the $ 533 monthly payments for 18 months with little sacrifice and have my debts i got the loan for consolidated. They approved the loan and deposited it into my bank account 2 days later.Here is the rub, I can not pay the loan back. I went to the web site to see if everything was in order, I used my sign-in information to log into my account and seen that the debit date from my bank account was accurate as well as the {$530.00} amount to be debited but I noticed that the balance had increased from {$4500.00} to {$4600.00} and something close to {$4700.00} then it dawned on me what I was dealing with " a predatory lender '' my interest is so high until making the $ 533 monthly payments will not even lower the principal ( {$4500.00} ) instead it will keep rising, unless you can come up with the entire balance and pay it off its designed ( with the high interest ) so that not only can you not pay it off but that it will continue to rise and THIS IS LEGAL? IN THIS COUNTRY? I have had loans and payday loans and paid then but nothing like this. I do want to pay the {$4500.00} plus interest but its fixed so I ca n't pay it back. This was why I got the loan in the first place to consolidate some debts and after using the graph on their site figured out I could repay the debt comfortably at {$530.00} for 18 months is there anything i could do? Again I do want to repay the loan and interest ... ..BUT I CA N'T. They can debit my account for the next 5 years and still not touch the principal and I 'm sure they would have received the loan 3 or 4 times over and i would still owe about ( a rough guestamate ) {$15000.00} WOW and this is legal? I do not have any document for the loan every time I try to sign-in on their web site I ca n't
Consumer complaint received 2017-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I accepted a settlement offer to make 12 consecutive payments of {$49.00} to settle my debt. It was agreed I would send in a money order by the XX/XX/XXXXof each month. I made a payment each month beginning XX/XX/XXXX. XX/XX/XXXX payment was shown delivered at XXXX XXXX on XXXX XXXX. The company states they terminated my agreement because the payment did not post to the account until the XXXX. I  have all documentation and yet the company will not honor the agreement.
Consumer complaint received 2017-03-10
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: AMERICAN EXPRESS COMPANY (CA)

I would like to make a formal complaint against American Express Bank and how they pulled on my credit 10 times since XX/XX/2016. In addition, I would like to a make a formal complaint against them when it comes to prematurely closing my account in XX/XX/XXXX and not allowing me to open another one. 
You see, I open up a certificate of deposit with them in XX/XX/2016 and it took several weeks to get open. However, I could never upload money to my certificate of deposit due to issues with their system. Then American Express Bank decided to close my account without reason and did not allow me to get another one. Recently, I found out from Credit report that American Express Bank pulled on my credit several times.
Consumer complaint received 2017-02-12
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (CA)

I Opened a bank account at Wells Fargo on XX/XX/2016. My father and I set up online transfer through Wells Fargo 's SurePay. We used the online transfers so that I was able to pay some of my father 's bills for him. XX/XX/XXXX and XX/XX/XXXX my father began to show signs of mental instability. XX/XX/XXXX my father was going to be homeless and I set aside XXXX dollars aside for housing for him ( XX/XX/2016 ). My father did not want any money set aside for housing and instead wanted to be homeless. The XXXX dollars was returned to my father in the form of a cashiers check dated XX/XX/2016. In the time between the transfer of the funds and the receipt of the cashier 's check my father opened a claim against me. The bank misinterpreted my father 's statements or my father misspoke and all of the online transfers were reversed. This reversal and the fees related to those reversals led to my account being overdrawn by XXXX dollars. Since then I have disputed this claim. I have called numerous times to explain the situation. I have also submitted an itemized list of how all the transferred funds were distributed. I have obtained a signed statement from my father along with a Wells Fargo Branch Manager which clearly states that my father 's intentions were not to bring into question the legitimacy of the online transfers. The statement also states that my father wishes to have the fraud claim withdrawn and wishes to have me cleared of any wrong doing. Wells Fargo 's fraud department has cleared me of fraud stating that I was the victim in this case. My Complaint is that with all of the information presented to Wells Fargo they still will not revisit my claims case. They are demanding that I pay the negative balance and threatening to ruin my credit by sending my negative balance to creditors. They have refused to halt the closing of my account while I have been in dispute with this claims case. I was informed by the claims investigator through an email on XX/XX/2016 that this claim existed. I was later informed that this claim was settled on XX/XX/2016. I was also sent a letter stating that I owed XXXX dollars to Wells Fargo while my bank account showed a negative balance of XXXX. I feel that I was not given a adequate amount of time to share my information. I feel like Wells Fargo was negligent in their investigation and I feel that with the new information I should be cleared of any wrong doing. Thank you for your time,
Consumer complaint received 2016-09-20
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION (CO)

I have a HELOC with BBVA Compass Bank. This morning I phoned my branch to inquire as to why my automatic payment that was due on XXXX had not been taken out of my account. The person I spoke to could not answer my question and informed me that my branch did not have a manager. I called the main number to the bank and after being on hold for more than 20 minutes I spoke to a manager named XXXX # XXXX. He informed me that because I made a principle payment in XX/XX/XXXX, the bacnk takes that money and applies it to my XX/XX/XXXX payment and does not take out an automatic payment when one is due. That means that the bank continues to charge me interest for an additional month. In my opinion that is just plain stealing. I set this account up so that the payment would be taken out automatically and I could make additional payments when I could afford it. I have XXXX children in college and I work XXXX jobs just to try to stay ahead and then I find out that the bank is stealing from me and probabley XXXX other customers because no one told them how to avoid this issuer.
Consumer complaint received 2017-09-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX called Wells Fargo and inquired about when my PMI would end. They told me three criteria, 2 of the 3 I will meet by XX/XX/XXXX but they then explained that the third criterion, to have a 78 % loan/value I would not meet until XX/XX/XXXX and that my home could not be appraised. I explained that the value of my home has nearly doubled in two years, I exceed 82 % loan/value at this time, conservatively. They then explained that this money is paid to XXXX and that I should contact them to inquire further. I contacted XXXX, spoke with a representative who told me I would need to call the Federal Trade Commission at XXXX. The Federal Trade Commission representative said that was incorrect, which I suspected, and referred me to the Consumer Financial Protection Bureau who explained the typical qualifications to end PMI payments, including that I can request " in writing that PMI is stopped when the home has 80 % loan/value ''. This detail was not mentioned by Wells Fargo on two separate occasions, but I already knew about this from my initial lender.
Consumer complaint received 2016-10-12
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: SUN WEST MORTGAGE COMPANY, INC. (MD)

In XXXX of this year, I refinanced my home. My existing Bank at the time was XXXX and they took my money in escrow and paid my taxes as the transfer was taking place between banks. The new mortgage owner ( SunWest Mortgage Company, In. - NMLS ID XXXX ) also paid my taxes with the settlement money that was established for paying the taxes. This escrow from XXXX was supposed to be returned to me.Since XXXX had already used my escrow to pay the taxes I requested that SunWest pay me the money that the Tax Collector returned to them. Since XXXX, SunWest has lied and mislead me concerning the return of this money. I started making my planned payments to SunWest including the prescribed taxes in XXXX. What can I do about getting my entire escrow back?
Consumer complaint received 2017-02-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (IL)

I opened an account with XXXX XXXX in 2010. I have XXXX loans with them equally close to $ 80XXXX. Through the fours years of college, I paid {$100.00} due to not working while at school. My mother helped me pay. Once graduated, 6 months later, my payments jump to {$900.00}, at this time I barely end started where I work now. At this time, my XXXX account got moved to Navient. I get in contact with Navient, pleaded to work with me on finding a better plan to repay my amount, I asked about income based repayment and they immediately said no ; we agreed on paying XXXX for 15 months. During that period of paying {$330.00}, I got used to paying that amount. Now that my 15 months are up, I got in contact with Navient pleading if I could possibly pay less due to having additional bills to pay or the same plan for 15 months, again they say no. I had to go into forbearance for 2 months. Now Navient wants {$350.00} for 15 months. 
How is that fair? I 'm trying to work with them and pay my dues. But I ca n't with the amount they are asking. I want to have a future, I want to have kids, but I ca n't do that with half my monthly income is going to student loans. 
I also have an account with XXXX to pay my federal loans, which I have no issue paying due to it being a income based repayment method.
Consumer complaint received 2016-09-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (IA)

XX/XX/2013, I cosigned for a vehicle for a boyfriend on mine. The loan is through Santander consumer USA at 26.29 % for the amount of {$11000.00}. I ended parting ways with this said boyfriend and long story short, I have had the vehicle and have been paying on it for most of the loan. I have requested several times for them to send me statements, they never have. I finally figured out how to log into my account on their website ( trying to figure out how to pay off the loan ) and I noticed that my balance as of today is still at {$11000.00}. Confused, I looked at the payment history and come to find out, over the course of 3 years they have only applied {$160.00} towards the principal of the loan. To date I have paid {$10000.00} in interest. They charge a late payment fee of $ XXXX/month. I have been late on several payments and of course there have been some really rough times. There were several times in the life of this loan I have called them and made payments larger then my payment amount and have even asked their representatives if I was caught up. Their answer had been yes, so I did n't think anything was majorly wrong. When first contacting them about my discovery, the first representative just kept telling me it was because I was usually late on my payments. I ended up getting transferred to a manager and she placed my complaint with their " presidential office. '' I asked for that number and she refused to give it to me, however I did get it in an email, and I spoke with them today. I asked several times why they have never applied anything to my principal and his only answer was that it was how I was making the payments. He argued with me for probably an hour. I tried to get him to see that with the interest that I 've paid to date that they were not charging me the 26.29 % interest that is in my agreement, that in fact they have charged me close to 89 %. All I got was the same answers. I asked him how much they have charged me in interest ( $ ) for the life of the loan so far. He only said that their systems do not calculate that and that all he could see was the amount that I 've paid in interest. I 'm behind on a payment again and I 'm torn between letting this car go back or not. I do n't want it to hurt my credit more than it already has, I ca n't get answers out of them, they are not willing to work with me. I asked that man today what he suggests I do in order to get the vehicle paid off, his response was the only way I could would be to make two payments a month.
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I was looking at my equifax annual credit report. I found that I have an unauthorized hard inquiry on my credit report. 
It shows on XXXX XXXX 2017, XXXX XXXX, XXXX XXXX put a hard inquiry on my credit report. But I did n't apply any credit card or load from XXXX XXXX, XXXX XXXX in XXXX 2017.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CT)

There are 2 complaints. 
Complaint 1 : I have XXXX students loans with Navient. When I make additional payments to try and pay the loans off faster, they 1st apply the payment to interest rather than principal as I hoped and then restructure the monthly payment rather than keep it. So not only am I not reducing the principal, I end up paying more in interest. Since I am trying to pay off the higher interest rate loans 1st, this defeats the purpose. 
Complaint 2 : When I applied for automatic deduction of my loan payment, I was told I would get a discount on my interest rate. It was granted and then several months later they retracted it saying I was late. When I called concerning this, the rep said he could n't understand as I was never late. Come to find out, because I had a 3 month deferral ( which was before I applied for the automatic payment ), they then claimed I should not have been granted the discount. Why when I did not apply for the auto deduct payment until after the deferral which was when they gave me the notification that I was eligible for the discount. They not only increased the loan rate, they also charged me back the interest. Also, at no time was I told that a deferral would change my status to being late or behind.
Consumer complaint received 2017-02-10
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

XX/XX/XXXX my credit card was stolen and was used to make a fraudulent charge. I received notification of suspicious account activity from my credit card company and confirmed to them the charge was fraudulent. They refunded the fraudulent charge in a few days. XX/XX/XXXX the charge reappeared on my credit card. I contacted the credit card company about it and was told that they had concluded their internal investigation and deemed that the charge was valid. It has now been over 2 weeks since the charge reappeared on my card, and they have provided me no evidence to what led them to the incorrect conclusion that the charge was valid.
Consumer complaint received 2017-03-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My mother, XXXX XXXX XXXX, had accounts at Bank of America for many years. I was her Power of Attorney and handled all of her financial stuff because she had XXXX. My mom died in XX/XX/XXXX. Bank of America was aware of her death because they were advised of it by Social Security and I provided them with a copy of her death certificate. I wrapped up her final expenses in XX/XX/XXXX and XX/XX/XXXX, and by the end of XX/XX/XXXX the account was closed out with a XXXX balance. In both XX/XX/XXXX and XX/XX/XXXX, Bank of America charged my dead mother 's account {$24.00} each month for service charges. This is outrageous inasmuch as they know my mother is dead. Please make them stop this. Thank you.