davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-23
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America replied to a complaint approximately 2 weeks ago. They did n't provide any individual treatment to the situation. I 've left two messages since the response was left on my VM and no one from BoA will return my calls. I have questions in regards to the solutions that do n't apply to my client. She is the XXXX of a military veteran who had a loan with BoA. The XXXX 's intention was not to keep the property because the spouse could not afford to keep it with two mortgages. BoA is the second lien holder and is refusing to work with the first lien holder unless my client turns over her financial information for them to conduct a loan modification on her instead of the borrower ( who is now XXXX ). My client does n't want to give a bank that she currently has no debt with her financial information because she feels she has a right to her privacy since she was n't on the first or second loan. She is only attempting to resolve the issues of her husband 's estate. BoA is choosing to dig into her personal financial information which may obligate her to pay for a loan she ca n't afford, while the first lien holder has completed the process for a streamlined short sale review ( not asking for any financial documentation from the XXXX ) but BoA refuses to cooperate. Now when I call and submit the account number the call is automatically directed to the person responsible for responding to the complaint but he never answers and has n't returned any of my messages. I 've left at least three. We 've worked out a deal to pay BoA the maximum allowed payment but they are playing hardball to XXXX a XXXX of a XXXX XXXX veteran. It is disheartening to think that BoA wants to punish my client for her husband paying this mortgage faithfully every month until he XXXX  ... even after my client paid the mortgage, without any reduction, until she could n't. If BoA continues to refuse to work with my client and agree to the short sale they will get nothing because the property is underwater and the first wo n't pay them anything. They are willing to accept nothing just to XXXX the XXXX of military veteran and that 's sad.
Consumer complaint received 2018-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The transaction that I disputed at XXXX XXXX for {$2800.00} made on XX/XX/XXXX was a fraudulent charge, not made by me. I was a victim of credit card skimming1 at XXXX XXXX XXXX in XXXX XXXX, New York. I have cooperated with police who have heard of many cases of skimming at the same location I was at. Credit card skimming is done while the card holder is still in possession of their card, so having my card of me while the theft happened can not be a reason to deny my claim. I was also made aware by a Bank of America representative that another reason my claim was denied was because I didnt call quick enough to report the fraud. To respond to this reasoning, the fraudulent charge was made on Saturday, XX/XX/XXXX and from speaking with a representative, I was made aware that charges cant be disputed until they are posted. Being that the following Monday, XX/XX/XXXX, was a federal holiday ( XXXX XXXX ), I was told the charge would post either Tuesday, the XXXX, or Wednesday, the XXXX. 
I initiated the dispute on Thursday, XX/XX/XXXX, a mere one day after I was informed the charge could post. Therefore, a reasoning of me waiting too long to call about the charge can not be valid. 

I have filed a police report and my bank denied me twice for something I did not do and because of it, I am extremely financial hardship that has resulted in me being evicted from my apartment.
Consumer complaint received 2018-01-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Johnson Mark LLC (UT)

Around the end of XXXX. I think around XX/XX/XXXX. I got served twice in the same month. I got served at home.For two alleged credit card debts from XXXX XXXX. Johnson Mark LLC is the debt collector and they told my attorney that I am being sued for the two alleged debts. They also told my attorney they were hired by XXXX XXXX to represent them. They still state that XXXX XXXX owns the alleged debt and are just acting on XXXX XXXX 's behalf. 

First alleged XXXX XXXX amount is {$2700.00} and the other is {$4800.00}. 

If Johnson Mark states they were hired by XXXX XXXX directly then why these two alleged debts were with two different debt collectors before? On XX/XX/XXXX got a debt collector statement from XXXX XXXX and the other alleged debt got a debt collector statement from XXXX XXXX on XX/XX/XXXX. 

On XX/XX/XXXX my attorney send out XXXX requests to Johnson Mark LLC. Proving they have the rights and truly own the alleged debts. What I have attached is what they sent my attorney as a response. 

This is very troubling for my wife and I. We are not experienced with the whole legal system. It is causing us high stress in our daily lives.
Consumer complaint received 2018-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I have several issues with my credit report as follows : 1. They show a former address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I have never lived at this address. My former spouse moved to this address beginning sometime around XX/XX/XXXX during our divorce which was finalized in XX/XX/XXXX in XXXX XXXX, TX. 
2. Derogatory information is shown on my report by XXXX XXXX XXXX which was a joint account when I was married. The account went to my former spouse during our divorce. That account was included by my attorney when I filed for Chapter XXXX, even though no balance was outstanding against me since it still showed on my credit report and my former spouse has a habit of not paying her bills on time. It would seem that any information related to it should be removed from my record since I owed them nothing at the time and I was removed from the account in XX/XX/XXXX/XX/XX/XXXX. 
3. I have been employed by The XXXX XXXX XXXX XXXX, MD since XX/XX/XXXX with a substantial gross salary as a XXXX XXXX XXXX. 
4. I do n't know if this is relevant, but I also have an IRA and a brokerage investment account with XXXX containing substantial assets plus a 401k through The XXXX XXXX, all containing substantial assets.
Consumer complaint received 2018-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McNeil & Meyers Asset Management Group, LLC (CA)

This company has been on my reports for a while and they are affecting my scores. 

I already filed a complaint and belive that I have the correct information. 

They have never VERIFIED the debt and have not provided me with any proofs that I owe them anything? 

Here is their information : Creditor Information MCNEIL & MYERS MANAGEMEN XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX
Consumer complaint received 2018-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have several issues with my credit report as follows : 1. They show a former address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I have never lived at this address. My former spouse moved to this address beginning sometime around XX/XX/XXXX during our divorce which was finalized in XX/XX/XXXX in XXXX County, TX. 
2. Derogatory information is shown on my report by XXXX XXXX XXXX which was a joint account when I was married. The account went to my former spouse during our divorce. That account was included by my attorney when I filed for Chapter XXXX, even though no balance was outstanding against me since it still showed on my credit report and my former spouse has a habit of not paying her bills on time. It would seem that any information related to it should be removed from my record since I owed them nothing at the time and I was removed from the account in XX/XX/XXXX/XX/XX/XXXX. 
3. I have been employed by The XXXX XXXX XXXX XXXX, MD since XX/XX/XXXX with a substantial gross salary as a XXXX XXXX XXXX. 
4. I do n't know if this is relevant, but I also have an IRA and a brokerage investment account with XXXX containing substantial assets plus a 401k through The XXXX XXXX, all containing substantial assets.
Consumer complaint received 2018-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

The lender-Caliber Home Loans Inc located in XXXX Texas decided to purchase flood insurance without my permission last XX/XX/XXXX and added the premium to my mortgage. The townhouse flood insurance is already a part of my HOA and the fees are paid monthly. The lender collected additional money to pay for this double coverage for flood for almost 2K a year. I have tried to resolve this with the lender but I was passed on from one dept to another. I need the lender to drop the flood insurance and reimburse the money paid for the last 12 month. The have a copy of the HOA by-laws and indicated clearly that flood insurance is part of the HOA fees.
Consumer complaint received 2018-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

complaint XXXXt ditech is trying to use fake documents against me ... .i have the real ones notarised ... .there 's is fake and not notarised ... i have copies of both ... .they are trying to XXXX me out of {$16000.00} ... .they also tried to infect my computer with a virus sent in an email from them ... PLEASE HELP ME ....
Consumer complaint received 2024-10-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

A notice was put on my door and I contacted both XXXXXXXX XXXX XXXXXXXX and BOA to try and resolve the issue. BOA referred me back to XXXX XXXX  XXXX several times. I requested documentation from XXXX XXXX XXXX including but not limited to information on the original debt, any terms and conditions I agreed to with BOA, and a payment plan. 

The payment plan was provided several weeks after the initial conversation and was dated 1 week after the initial conversation but was not delivered until 4 weeks later. When I reached out to the via email, they ignored it several times. I then sent them a more demanding email letting them know I would file a complaint against them for bad debt collection practice and once again requesting the terms of service and this time insisting that I have an arbitration clause. XXXX XXXX XXXX has once again ignored my request for documentation. I have an active court date approaching and I am of the belief that they do not have the right to sue me for this. 

By ignoring my requests for documentation, they are forcing me to appear in court to get a default judgement against me.
Consumer complaint received 2018-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NC)

I applied for the PSLF ( Public service loan forgiveness ) an act that was established by President George W. Bush which is supposed to offer public servants an opportunity to pay down their loan and have some of it forgiven. The only plan that XXXX XXXX offered me would have me pay for 120 months at a premium and would end up paying the entirety of the loan prior to any being forgiven. At the rate the company required I would have paid off my student loan twice in the 120 months. This was not the purpose of the program and no resolution was offered by the company. This is not how I would expect it to work as a current public servant.
Consumer complaint received 2018-01-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (NJ)

I am a decorated XXXX XXXX veteran who is tax exempt. Notified the Mortgage company last XX/XX/XXXX yet they paid my taxes anyway. ( took six weeks to get the money back ) Then they lowered my payments to exclude taxes. Last week they paid my taxes again even after being told by the local tax collector not too and put my escrow account in default. Spoke to them on the phone emailed them sent them all of the documents to no avail. Was told by them last Thursday that I am responsible for the escrow deficit. They will not stop paying taxes even the fact that there is not enough money in the escrow account. I do not have the money to make that up and they are going to raise my mortgage payments to make up for the taxes that I do not owe. I do not know how to stop them. Need your help
Consumer complaint received 2018-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BB&T CORPORATION (FL)

I recently set up direct deposit with BB & T Bank, to receive my unemployment check. The direct deposit took 4 days to clear. Yesterday, i was at the bank to inquire about my direct deposit and the bank rep, XXXX XXXX, called customer service and was told the direct deposit did not even show up in the system. The rep calmed me down and reassured me that today would be the latest. I need the money for my Mother 's XXXXXXXX XXXX and food. Our power and light has been cut off due to not having the funds from my direct deposit. Today, I go to the bank and attempt to withdraw my funds and it seems that overnight, someone put a BLOCK on my ATM card. The bank rep was NOT instructed to block my card, no sort of conversation was ever sustained regarding a XXXX on my card. Due to lack of meds, food, lights, last night I had to have my Mother,  a XXXX XXXX survivor, rushed to the hospital. I believe BB & T has done this before as a form of embezzlement. Either way, I plan to bring a civil lawsuit against BB & T for misappropriation funds. I can guarantee you 'll find more cases like this! If you have 1,000 bank customers with direct deposit or just deposits and u BLOCK 500 cards because you know banks wo n't open and you can gain entrance from the funds in the account, it 's clearly embezzlement! I hope you really do an investigation and help the little guy! Thank you
Consumer complaint received 2018-01-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NC)

I am a cosigner on my son 's loan. I made 3 payments in the last six weeks. {$150.00} on XX/XX/XXXX, {$57.00} on XX/XX/XXXX and {$55.00} on XX/XX/XXXX. All of these payments were made by electronic funds transfer from my bank 's bill pay. The funds have been removed from my account. Navient says they received the {$150.00} but not the other two payments. They asked me to send proof of the transfers. I have sent my bank statement and a copy of the transfers FOUR times. At one time they said they received the {$57.00} but it went to the wrong address so they sent a check back to my bank on XX/XX/XXXX. The bank never received a check. They keep telling me to contact the bank. The bank did its job and can only tell me that the electronic transfer went through. I either want my money back or the money put on my account. I believe Navient has the money and now they have added a late fee I do n't feel I deserve!
Consumer complaint received 2018-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (FL)

AFNI tried to collect a debt that had been paid. I 've reached out to them and advised them that this account was paid. AFNI removed account from XXXX, but not in XXXX nor XXXX. I have proof that this account was paid even before they reported it to XXXX and XXXX
Consumer complaint received 2018-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

XXXX has erroneously posted an auto loan under my social security number and has caused significant damage to my credit report. On XX/XX/XXXX I notified XXXX customer service that an erroneous entry on my credit report showed an auto loan that I did not have. After several phone calls to XXXX they promised a call back but never did. On XX/XX/XXXX I called XXXX offshore customer service ( in XXXX ) which they advised they had confirmed with the auto dealership where the loan was opened, and that the social security number was correct. I knew this was not true, so I asked the rep for the name of the dealership where the auto loan was opened. The XXXX rep gave me the information and I called the dealership and spoke to the finance manager. He confirmed the Social Security was miskeyed by XXXX. I then called back XXXX and advised them of my investigative findings. XXXX promised a call back and I never received one. Last night the rep stated that I should just get a lawyer, which is a horrible response to solving this problem. I would like to file 1 ) complaint regarding the issue with incorrect SSN displaying on my credit report 2 ) I would like to file a complaint to your executive managers regarding the false investigation that was conducted on your part. 3 ) I would like to file a complaint to your executive managers regarding every representative who promised to call me back but did not. Per FCRA law the item must be removed from my credit report immediately. The customer service that I received from this bank is horrible. All calls are contracted out to a call center in XXXX, and their customer service skills are horrible. I am not even a customer and I am glad I am not.
Consumer complaint received 2018-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I have several issues with my credit report as follows : 1. They show a former address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I have never lived at this address. My former spouse moved to this address beginning sometime around XX/XX/XXXX during our divorce which was finalized in XX/XX/XXXX in XXXX County, TX. 
2. Derogatory information is shown on my report by XXXX XXXX XXXX which was a joint account when I was married. The account went to my former spouse during our divorce. That account was included by my attorney when I filed for Chapter XXXX, even though no balance was outstanding against me since it still showed on my credit report and my former spouse has a habit of not paying her bills on time. It would seem that any information related to it should be removed from my record since I owed them nothing at the time and I was removed from the account in XX/XX/XXXX/XX/XX/XXXX. 
3. I have been employed by The XXXX XXXX XXXX XXXX, MD since XX/XX/XXXX with a substantial gross salary as a XXXX XXXX XXXX. 
4. I do n't know if this is relevant, but I also have an IRA and a brokerage investment account with XXXX containing substantial assets plus a 401k through The XXXX XXXX, all containing substantial assets.
Consumer complaint received 2018-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MS)

XX/XX/XXXX, our Loan servicing was transferred from XXXX to Carrington Mortgage Services , LLC . We never received any communications or information from Carrington. The only information we received was a notice of servicing transfer from XXXX. XX/XX/XXXX, we finally get a letter asking for updated contact information. I mailed updated contact information back to Carrington. XX/XX/XXXX, an unknown person showed up at our residence with a piece of paper with a phone number that stated contact as soon as possible. My husband called the number XXXX on XX/XX/XXXX. It was Carrington and the conversation was about what were our intention to do with the property. He asked why have n't we received a monthly statement and was told they do n't automatically send them, we have to request one. When I mailed XX/XX/XXXX payment, I requested a statement and have yet to receive one. XX/XX/XXXX, we received a blue envelope from Carrington with our check for XX/XX/XXXX 's payment and a letter demanding a quick collect or XXXX XXXX payment. XX/XX/XXXX, my husband called Carrington about why we received the letter and why they returned check for XX/XX/XXXX. He informed them that all payments were made on time and up to date. Carrington had cashed all our checks. They stated their records showed no payments were made. 
I pulled cleared checks from our and faxed to them. Carrington stated they will look into it and get back with us but process could take 30 days. XX/XX/XXXX, we received a letter of intent to foreclose and another one XX/XX/XXXX. This has been very frustrating to have to deal with a Company that is supposed to have our best interest first. They have been cashing payments and not professionally handling them. Then to threaten foreclosure when they are mishandling funds. We have to jump through hoops to prove to them that we 've paid them. It 's sad. I had a credit card cancelled due to incorrect information being reported to the credit bureau due to their mistakes.
Consumer complaint received 2018-01-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX XXXX, 2017, Bank of America performed a hard inquiry into my credit status without my permission, oral or written. I currently do not have any loans with Bank of America. No explanation was given as to why this inquiry was performed. Hard inquiries into anyone 's credit can and does affect their credit score for at least 2-3 years.
Consumer complaint received 2018-01-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (CA)

Coinbase, without adequate warning, restricted access to my accounts both with Coinbase and their sibling company, XXXX. 

I have been unable to log into XXXX for nearly 20 days and as such my funds have been held hostage. I have done everything they have asked me to and yet I get nothing but silence from them. I can not see or verify that my funds are safe, nor am I able to transfer money or other digital assets in, or out, of their service. 

I hear horror stories that some people have to wait upwards of over a month before getting their cases resolved. I consider this criminal! There are significant tax and financial implications as a result of their behavior.