davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

On XX/XX/XXXX I opened a bank account at bank of America on XXXX XXXX XXXX XXXX XXXX XXXX XXXX California . The Banker seemed friendly I told him my reasons for opening the account was because I had written a book and wanted to accept payments from XXXX XXXX. I was also expecting a check from a car accident. The Insurance check came and I deposited into the ATM. I was later contacted and told there was fraud and that I had deposited a check from the account I just opened .As the insurance check. Then a few days later when I had my lawyer contact bank to verify that the check was Not a starter check from my own acvount. I have written boa and send in countless faxes and other documents. I was diagnosed with XXXX XX/XX/XXXX so my battle was stopped but during my XXXX battle I have submitted also numouris identity theft claims. I just want my like back.I have been even unable to get a job behind this.
Consumer complaint received 2016-06-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have been making biweekly payments towards my auto loan through my bank 's bill pay service for more than a year. The monthly total has been more than the minimum due. Come to find out the payment overage has not been being applied to the principle balance, but to the next payment due. I called to have each payment overage applied and was advised this could not be done, but they would adjust XXXX payments as a courtesy. Going forward the only way to have a payment applied to principle is to mail a check ( Who uses checks? ) or get a bank account through them ( obligating me to get another product through them to reduce my principle loan balance! ). That 's ridiculous and not the case with other loans! I pay more than the min due on a credit card and it goes to principle not the next payment! I originally set up the biweekly payments for more than the minimum due to payoff before the maturity date. The plan I chose, with a financial planner, should have paid off the loan 6 months quicker. Now all my long term financial plans have been delayed by 6 months. I made the choice to be responsible consumer and now I am being punished for B of A can make a little extra money off me and derail my financial goals.
Consumer complaint received 2016-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MD)

In 2005, I refinanced my student loan through XXXX XXXX to a 15-year term. I have made consistent payments and I kept my account when XXXX XXXX split off into Navient. Yesterday, I received notice from Navient that the balance on my loan had been re-amortized for an additional 8 years. I immediately called Navient. The representative stated that new federal regulations required that the loan be extended, and that they just had not had the time to notify all of its consumers. Is this true? Are there new federal regulations that restrict the repayment terms of a federal student loan? Can Navient restructure my loan terms without my consent?
Consumer complaint received 2016-09-03
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (VA)

When I negotiated terms of the loan repayment after I separated from my spouse, the creditor began calling my spouse, which is normal. My estranged spouse gave them another contact number for a friend ; at that point, the creditor began to call them repeatedly, asking for me. 

I spoke to the creditor, and asked them thrice not to contact anyone but me when dealing with this issue ; I have since made arrangements to pay the balance in full to avoid any further contact, but the creditor still called my friend twice within twenty minutes to attempt to get them to contact me. Since I had made arrangements to pay the balance in installments, I have never missed a payment ... ever.
Consumer complaint received 2016-09-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

I am filing this complaint because XXXX, Experian and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. 
Thank You
Consumer complaint received 2016-09-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Profit Services Group (DC)

XX/XX/2013 I filled out a loan application for a {$3000.00} personal loan from XXXX XXXX XXXX. About 2 weeks later I received {$500.00}. I contacted the company and when would I get the remainder and was told " once I paid the {$500.00}. '' I was told the payments were {$40.00} dollars a month for every {$1000.00} borrowed. I paid the {$500.00} in about a month and then received the additional that I had, initially requested. Everything was fine, I was making my payments on time and, sometimes I would pay more than required. I paid the balance to less than half of the total of {$3000.00}. To this day, I do n't know what happened, I do n't understand why this debt was sold or assigned to a collections company. I was never late, I never missed a payment and was never contacted that there was any issues with my account. I did not even know that the debt had been assigned to a collections company until my credit was pulled by a car dealer. On my report with XXXX it says that I have a collections to XXXX for {$2900.00} and on my XXXX it says I owe XXXX and I only know that it 's Profit Services Group because of the name and address listed for this company. I was never notified by XXXX financial that my account was in collections nor was I ever notified by Profit Services Group that I owed them or anyone for that matter. I do not believe that that is fair to just tarnish someone 's credit without verifying with them about a debt and allowing me the opportunity to remedy the situation before they ruined my credit. I did not receive a phone call nor any piece of mail advising me that I owe Profit Services Group {$2900.00}, of which, the original creditor I had never been late with. My person who wrote the loan up for me, on behalf of XXXX informed me that several others whom he had written loans up for had been complaining about XXXX XXXX and how they had started collections efforts on a client who did not cash their check and sent the check back, as well as, people whom he said had expressed horrors of being over billed. I assure you that I am not making this up. I am not trying to bad mouth the company neither. I would like this negative entry removed off of my credit report immediately and I do n't feel that I should have to spend money to hire an attorney because a collections company is negligent with their reporting. The amount is wrong nor did I ever go into collections. If they would have contacted me before they just blatantly lied to the credit bureaus, which is another issue, How can these people destroy peoples credit. I 'm almost XXXX years old and I work hard to keep my credit record clean. Please, do not think that I 'm angry with you all, I know that you have this forum here to try and help me resolve this. It is just that every time I think of how they negatively affected my credit it disturbs me. I pray that you can help me resolve this, thank you in advance for your time and assistance with this issue.
Consumer complaint received 2016-06-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

A collection company by the name of XXXX XXXX XXXX ( a XXXX Collection Agency ) appears on my credit reports. They have also sent a letter to me. I live in XXXX. Based on XXXX State Laws, a collection agency MUST be registered with the XXXX to perform ANY type of collections process UNLESS they are the ORIGINAL CREDITOR. They are reporting an account THEY OPENED with an account number THEY ISSUED, without my consent, or permission ... which gives an appearance it is a new/revolving credit account opened this year. The credit bureaus have an obligation to COMPLETELY REMOVE these XXXX XXXX XXXX entries because of the gross deceptiveness of their practices.
Consumer complaint received 2016-09-02
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: LAND HOME FINANCIAL SERVICES (CA)

During the final stages of the home purchase transaction ( under the new XXXX regulations ), I received, reviewed, and signed off on the final closing disclosure documents submitted by the lender. After signing the documents at escrow and waiting for the lender to fund the mortgage loan, I was notified that the lender required additional monies before the mortgage could be funded. I complied under duress ; to avoid homelessness. 
In reviewing this situation and XXXX requirements, identified several missteps on the part of the lender : The lender failed to review or audit documents prior to submission to the consumer. In multiple closings, my agent personally identified errors in the closing disclosures. Errors include splitting apart fee amounts so that they can not be matched to information previously received by the consumer, incorrect entries, and missing entries. Each situation places the burden of disclosure detail accuracy on the consumer, who in all fairness, should not be charged with auditing and identifying issues on bank disclosure documents without the financial details and calculations required for a " clean '' assessment of document accuracy. 
The lender notified me via the title company and did not alert the consumer directly ; the title company representative was placed in the position to notify the consumer of a lender change and that funding would not occur unless additional funds were remitted. My agent followed up directly with both the title company and the lender, neither had a clear explanation as to why the change had occurred. The lender ( the person that interfaces with the public ) said the change was put in by the " processor '', was aware of the change, but had no knowledge as to why the change occurred. 
The XXXX process is an arduous, administrative process that allows lenders to give a show of compliance, but lack the consumer protections which were perceived as the " intent '' of the new requirements. 
The end-to-end XXXX process is not defined. The XXXX documentation suggests that the review timeline is the " end '' of the process and does not clearly account for changes following escrow signing. It would seem that any change, especially a change that is detrimental to the consumer should not be allowed once the final closing documents are completed, reviewed, approved, signed, and executed. The financial institution should take the loss in the event that it fails to deliver complete and accurate documents to the consumer.
Consumer complaint received 2016-06-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (NY)

To Whom It May Concern, We have a MIP on our mortgage. We are at an estimated 68 % loan to value. I have asked M & T bank several times for it to be removed and it has not been done. I am estimating that we have reached the necessary 78 % 10 months ago. Our mortgage is in excellent standing, never late and additional principle payments. The last time I requested for the MIP to be removed I received a letter stating that it would be removed when my loan has reached an unpaid balance of {$500000.00} my unpaid balance is {$480000.00}. 
My desired resolution is to remove the MIP and be reimbursed for the months that I should not have been paying. 
Thank you in advance for your help. 
XXXX XXXX
Consumer complaint received 2016-09-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MD)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the thirty day mark and has not and will not verify these accounts, under section 611 ( 5 ) ( a ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that i have disputed. Please resolve this matter in a timely manner for it has cause me a great deal of pain. Thank you.
Consumer complaint received 2016-12-06
Product: Credit card — 
Issue: Balance transfer — 
Company: PENTAGON FEDERAL CREDIT UNION (WI)

Dear CFPB Staff : Tempted by an offer in XXXX 2016, I initiated a balance transfer with Pentagon Federal Credit Union, and wanted to transfer {$1300.00} from my XXXX XXXX credit card ( XXXX XXXX card ). Three months and hours of phone calls later, I still have a debit balance on my PFCU account for the {$1300.00} transfer, but never benefited from the transfer at all. We did determine through phone conference calls that PFCU put the wrong account number on the check they sent to XXXX, who claims to have sent the check back to some other account holder ( due to the wrong number on the check from PFCU ). XXXX then offered to stop payment on that check and mail another check to me, which I would then remit to PFCU so they could remove my debit. That was three weeks ago and I am tired of waiting. 
[ Find below a recent email from a PenFed representative. ] XXXX XXXX XXXX PenFed CU customer XXXXXXXXXXXX XXXX XXXX Dear XXXX XXXX, I apologize that this situation still has not been resolved for you. When we last spoke with XXXX, they said that they were going to issue a stop pay on the check they issued back to PenFed and then issue a new check payable to you. I am happy to assist you in making another call to XXXX 's in regards to the check that were supposed to be sending you to see if we are able to get a status on it. As you know, XXXX will not speak with me about this issue without you being on the phone and giving your consent for me to speak on your behalf. Please let me know if this is something you would like to arrange. If so, please give a day and time that will work for you for us to call them together. Once we receive the check I assure you it will be backdated to the date of issuance. 
Again, I apologize for all of the inconvenience this matter is causing you. I will continue to do what I can to assist you in getting this matter resolved. 
XXXX XXXX XXXX XXXX XXXX XXXX : XXXX | XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX PenFed.org ] XXXX XXXX XXXX PenFed CU
Consumer complaint received 2016-08-04
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Bliksum, LLC (CA)

I received a XXXX loan to pay off debt. I was making the regular on-time payments and unforeseeably my work hours were cut. I immediately contacted Loan me regarding the matter and they refused to offer any options of repaying the loan. I sent them a cease and desist letter and canceled the ACH transactions that were set up. After speaking to numerous representatives, I finally spoke with a supervisor who was able to assist me. I was originally paying {$840.00} a month at 95 % interest to {$500.00} a month at 0 % interest for 20 months until the loan was paid off. I requested something in writing of the new loan term but Loan Me refused to send me anything. Before I could make the payment, I went online to my account to submit the payment and they changed the loan back to the original terms without notifying me in writing. I called and spoke to a supervisor to inquire about the changes and he was rude and yelled I needed to make a payment immediately. I asked him where in writing did they make any changes and he refused to tell me and then hung up on me. I am currently working to repair my credit and am only trying to make my payments on this loan but they never told me they were changing the agreement back to its original terms. They also told me I was responsible in paying {$11000.00} back which was never the amount I owed on the balance. My original balance was {$9000.00}. The first payment I made was for {$1000.00}.
Consumer complaint received 2016-08-04
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (KY)

On XXXX XXXX, I placed an order at Walmart.com using my fairly new Walmart credit card, issued by GE Money Bank. Weeks later, the order had not been processed, so when I inquired, a rep said the order was n't processed, and I 'd be issued a refund. I never got any confirmation, and after several more communications during which I was assured the incident would be " escalated, '' no further communication has taken place on the part of Walmart, and no refund has been issued. The charge continues to accrue interest on my account, and I have received no products, after nearly a month. The lack of communication and ability to process orders and refunds on Walmart 's part is appalling. The incident number is XXXX. Please advise on how to proceed before my credit becomes damaged my their ineptitude. Also, please note that Walmart has never once issued me any statement -- electronic or otherwise -- even after I asked in person on the phone for PAPER billing. Not a word. It appears that Walmart is neglecting to bill people, hoping that they forget to pay their bills, in order to rack up late fees and interest. That is inexcusable. Thank you greatly.
Consumer complaint received 2016-06-20
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pressler & Pressler, LLP (NJ)

Pressler & Pressler is trying to garnish my wages for a XXXX account that I do not owe. They have failed to send me any proof that I owe this debt. It not on my credit report as an original creditor, a collection account or judgment. I looked up their company and see they are collecting debt illegally. I really need your help in stoping this because I do not feel they have the right or the proper information to try and garnish my wages. First they said it was for an XXXX account then then came back and said it was for a XXXX account. I Do n't think they know what they are doing and I ca n't afford to have my wages garnished for something that I do not owe.
Consumer complaint received 2016-07-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Caliber Home Loans, Inc. (HI)

This will be the seventh complaint submitted to CONSUMER FINANCIAL PROTECTION BUREAU ( hereinafter " CFPB '' ) starting from XXXX XXXX, 2016 until today XXXX XXXX, 2016 against CALIBER HOME LOANS , INC . This complaint will be another addendum to the prior XXXX prior complaints submitted against CALIBER HOME LOANS, INC., which are Case Numbers XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX ( hereinafter " XXXX '' ) my true and lawful Attorney-in-Fact contacted CALIBER HOME LOANS, INC., on Friday, XXXX XXXX, 2016 and someone named XXXX, SINGLE POINT OF CONTACT AGENT, TELLER ID. NO. XXXX answered the phone. Like the other XXXX prior case numbers as listed above, XXXX kept XXXX hostage, by delaying, prohibiting, and stonewalling XXXX from speaking to a SUPERVISOR or HER SUPERVISOR, until SHE finally connected XXXX to XXXX, SUPERVISOR, TELLER ID. NO. XXXX relating to CALIBER CONDUIT ACCOUNT NUMBER XXXX almost XXXX minutes later. This abusive and intentional draconian practices needs to cease and desist IMMEDIATELY now and in the near future anytime XXXX contacts CALIBER HOME LOANS , INC .
Consumer complaint received 2016-06-20
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have XXXX credit card accounts with Capitol One. The last XXXX of XXXX card is XXXX and the last XXXX of the other is XXXX. On XXXX I made a payment of {$30.00} on XXXX but there was an additional unauthorized payment taken out of my checking acct on XXXX. I called Capitol One and explained that XXXX payments were paid from my bank, they called my bank and verified that the XXXX payments were paid, and I faxed documentation proving that. Upon reviewing my payments made on the Capitol One website, it clearly shows only XXXX payment credited to the acct of XXXX, yet XXXX payments were debited from my checking acct. On XXXX I received a letter stating that XXXX payment was paid on XXXX for acct XXXX and the other payment was for XXXX. I do n't have a Capitol One card with the last XXXX of XXXX! The {$30.00} has NOT been returned to my acct, and I am very upset that they can not see that I do not have a credit card with the last XXXX of XXXX.
Consumer complaint received 2016-12-06
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I had a car loan that started in XXXX XXXX and should have been paid off by XXXX XXXX. I had to extend XXXX car payments, XXXX for when I bought my house, understanding there would be interest and I would have to make the XXXX payments. This extended my payoff to XXXX XXXX, which I knew since I extended XXXX payments. I paid the last payment XXXX XXXX, XXXX and received a letter stating I still owe over {$1500.00} due to interest. I asked if they could work with me and wipesome of the interest off seeing the interest added up to more then the actual car payments that were deferred. after a few attempts I received {$200.00} off. I still did not find that acceptable, so I called the corporate office. I received a call back and spoke to a woman named XXXX, XXXX ext XXXX. She was willing to wipe the interest, but I would have to agree to the following terms. 1 ) They would report to credit bureau as settled and 2 ) I would need to pay taxes on it as they would send me a XXXX type thing. I paid every car payment and finally got my credit at a place where my interest on credit cards and car loans are through the roof. I was willing to pay some money but she said if they take any off it will be under the terms from above. She also said, since I did not want to damage my credit, that I would have 120 days to pay as long as a made a payment every month. After I spoke with her a few weeks later I received a letter stating that the payments might be considered late, missed etc and reported to credit bureau. I didnt realize when I gotthis car loan that it was more like a credit car opposed to a cr loan I am assuming by the interest that accrued besides what I already paid. I was hoping you can help me resolve this issue.
Consumer complaint received 2016-06-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: ONLINE Information Services, Inc. (OH)

I recieved a letter from XXXX XXXX dated XXXX XXXX 2015 stating that they 're informing me that they have cancelled the following account from their active collections files and are removing the account from their credit file if it was listed. Client name XXXX XXXX, Account # XXXX, date of service XXXX, balaance {$2000.00}. Signed from their collections department. I kept this letter in my personal records until last week when i tried to get electric services in my name at my place of residence and i had a outstsnding balance for {$2000.00} XXXX referred me to indentity theft.gov which they referred me to consumer finance.gov. when i called online collections they told me they had no record of this on file at all but i clearly have sletter from them stating this information!!!!!! # #