davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a credit card with Bank of America that I needed to close due to the cost of the interest charges. I called them on XX/XX/2015 and worked with their representative to close the card and work out terms for the balance repayment. After answering numerous questions the representative determined that I would need to pay {$89.00} per month for 60 months at an interest rate of 2 % to pay back the balance. I agreed to these terms offered to me on the phone that day. On the call I mentioned that I was concerned about incurring any additional charges/penalties as my payment was due on XX/XX/XXXX. The BofA representative told me he could n't confirm the payment would be accepted over the weekend so we needed to get the {$89.00} payment through that day ( Friday ) so penalties/charges would not be incurred. He told me that there was only a few minutes before " end of business '' ( EOB ) that day so we needed to get the payment through right away. I provided my bank account information and he made the initial {$89.00} payment before EOB on XX/XX/2015 and confirmed that it had gone through. That day the BofA representative also set up the ongoing $ 89 monthly repayments to be paid from my bank account each month. The monthly {$89.00} payments have been taken from my account each month since then. 

Approximately three weeks later BofA contacted me and told me that they wanted to change the terms of my contract and that they wanted me to answer another series of questions. They also told me I had begun to incur charges/penalties on my account. I have spent several+ hours trying to get this resolved with them but they are unwilling to honor the contract that we agreed to on XX/XX/XXXX even though the initial {$89.00} payment was made that day and the repayment plan was set up by BofA to cover the remaining 60 months. Please note {$89.00} has been deducted from my account on the XXXX of each month since the initial call on XX/XX/XXXX. 

I 'm providing my BofA account statements for XX/XX/XXXX and XX/XX/2015. The XX/XX/XXXX statement shows the {$89.00} payment was made on XX/XX/XXXX. The XX/XX/XXXX statement shows the next payment was taken from my account on XX/XX/2015. 

Thanks for your help in advance.
Consumer complaint received 2015-12-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Torres Credit Services, Inc. (TX)

On XXXX I Opened an account with XXXX, submitted XXXX payment, my light was never turned on, I consistently called XXXX XXXX sent bank statements showing that I paid them, then in XXXX 2015 I received a call from XXXX stating that they would they would send me a check for XXXX because they own XXXX and my lights were never put on, After receiving the check from XXXX, I changed it, after changing it, I received a letter stating that I owe them XXXX, my credit score was in the XXXX, I called torres collections explaining the situation, they said they would get back to me and never did now this money that they stated I owe is on my credit score.
Consumer complaint received 2016-01-28
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY (TX)

I am disputing a {$19.00} late charge from fred Myers jewelers platinum preferred Master Card # XXXX XXXX XXXX XXXX. 
My payments are due the XXXX day of every month. In order not to be late with my payments I have arranged with XXXX bank to withdraw my monthly payments from my account in a timely manner so that the credit card company will receive payment on or before the due date. Apparently in XXXX the payment came late. 
I have disputed this with XXXX bank as well and after looking into this case, XXXX bank has assured me that they send the payment to the creditor in plenty of time for them to receive the payment and will not take responsibility for the late charge. 
I have called and spoken to customer service several times and they refuse to refund the {$19.00} saying its the banks fault, the bank says its the creditors fault. 
I am very frustrated since I always pay my bills on time and do everything possible to avoid late charges or missed payments and feel that I have been wrongly penalized.
Consumer complaint received 2016-01-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Pinnacle Credit Services, LLC (OH)

I was denied credit so I pulled my credit report. I found a collection account had been placed on my credit report that I have no knowledge of. I was never notified before it was placed into collections. This is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2015-09-16
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: NAVY FEDERAL CREDIT UNION (GA)

On XXXX XXXX, 2015 I XXXX XXXX XXXX XXXX, XXXX XXXX Veteran filed an Mortgage Application with the Navy Federal Credit Union, to-date I 've not received a call or letter as to the status of my VA Mortgage loan application. My mortgage loan representative 's name is XXXX XXXX, my loan application number is XXXX. I 've called and called and left message for XXXX XXXX at XXXX ext. XXXX to no avail. I 'm a XXXX veteran and an American with XXXX, I 'm filing complaint with HUD at XXXX ext. XXXX and XXXX ext. XXXX for discriminatory Practices and I 'm asking that they investigate this matter. Also I 've contacted the Feds Adult Protective services at XXXX. Lastly I 've demanded that the Navy Federal Credit Union complete an supplement and or re-scoring of my credit score do to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX at XXXX compromising, changing and falsifying credit scores with XXXX, XXXX and XXXX. I 've spoken with XXXX XXXX with Navy Federal Credit Union my loan officer, and I 've spoken with their Reporting Agency, XXXX, an XXXX XXXX regarding the Fraudulent false reporting imposed by XXXX, XXXX and XXXX attempts implemented by these REPORTING AGENCIES by sabotaging my credit rating by refusing to make the necessary correction to my credit report after submitting evidence to their reporting agency, XXXX. I 'm taking this fight public due to my XXXX and race with gainful efforts of exposing Discriminatory Practices by Navy Federal CREDIT UNION, and I want give up, thanks! CFPB I look forward to working with your Federal Agency.
Consumer complaint received 2016-01-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. ()

I am writing to you hoping that you may help me with my problem. I have been trying to solve this matter for quite a long time without any response from Chase. I live in XXXX and it is difficult for me to visit The Chase facility at XXXX XXXX. 

My problem is that I have been trying to tell the banking personnel that I cancelled my safe deposit box service 16 years ago and Chase is still charging me for this service. Last year, I sent a letter via XXXX to XXXX XXXX XXXX, explaining this situation ( I enclose a copy of this ). Nevertheless, recently Chase sent me again a communication in which they are charging me for the service. 

I also tried to reach Chase personnel many times by phone but it was useless. 

I hope that with you I have the chance to solve this once and for all. 


XXXX XXXX
Consumer complaint received 2016-03-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

My muturity was fulfilled as of XXXX XXXX, at this time i assumed my obligation had been fulfilled and would be due my title. I called in to discuss my title and at that time the representative stated i only owed $ XXXX++ in fees in which she also put in a request to have {$150.00} of that removed. I assumed this would be the amount to receive my title. Upon calling Santander about a statement i received after i had reached the muturity date stating that I owed an additional $ XXXX+ in order to receive my title, i was told it was interest and fees from deferred payments. This is absurd due to the fact the additional months of deferred payments had already been added and paid. The representative continues to try to explain their procedures of adding on these astronomical amounts for deferment even if you have paid for the deferments which only charges $ XXXX+ or less for the deferment. I have been paying on my car since XX/XX/XXXX at the amount of {$500.00} per month with an absurd interest rate. Even though I have had medical issues during this time i struggled to make payments and was excited to finish but to no avail. Santander has clearly misrepresented their intentions and consumer is not given a clear explanation of risks of deferments. They have ruinef credit after struggling so long to bring my score up as they are reporting delinquent and late because I do n't owe this amount. If a consumers statement says a certain maturity date they should adhere. This is unethical practices, please help.
Consumer complaint received 2015-11-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Flagstar Bank, N.A. (MI)

I am currently in the process of looking for financing for my first home. I contacted Flagstar XX/XX/XXXX, XX/XX/XXXX to get pre-approval for a mortgage. I contacted this company because the Michigan State Housing Development Authority listed a representative named XXXX XXXX as an experienced MSDHA lender. I contacted XXXX XXXX and gave her all my required information to get a pre-approval. I spoke with her a couple times and the last time she advised me she would call me back with the information the next day. I did not hear from XXXX XXXX by XXXX the next business day, so I gave her a call. She advised me that she had actually resigned and would advise her former manager to take over. This threw me for a loop and frightened me. I was not sure if this lady was legit and I had given her all of my personal information. I contacted another officer at Flagstar named XXXX XXXX and he advised me that in order to take over my file it would have to be transferred to him. He advised me that he was not allowed to take on someone else 's case and provided me the number to corporate. I spoke with an operator from corporate who provided me the number of regional director, XXXX XXXX. I contacted XXXX XXXX twice and left one message. I never received a response back. I called the corporate branch office and spoke with a very pleasant and helpful XXXX XXXX who contacted XXXX XXXX and advised me that he would call me back after his meeting. Eventually XXXX XXXX 's former manager XXXX XXXX got in contact with me and advised me that my file was transferred to him. He advised me that he would need to call me back the next business day because I was seeking MSDHA assistance and he had little to no knowledge of the process and would need to seek assistance from a colleague. He did not call me back. So after XXXX on the day he advised me he would call me back I called him and left a voicemail message. It has been 23 hours and I still have n't not heard from him or anyone at Flagstar.
Consumer complaint received 2016-02-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Exeter Finance, LLC. (TX)

I have been contacted multiple times over the last nine months by Exeter Finance Corp of XXXX Texas about a debt I do not owe to them. They have me confused with a person with a similar name. I have been in contact with them on five occasions and each time they assure me they have solved the problem and I will no longer be contacted. I have filed XXXX complaints and have XXXX emails from this company indicating that their harassment of me will stop and can provide them if desired.
Consumer complaint received 2015-07-17
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (CA)

I cancelled my services in XXXX of 2015 for I believe credit monitoring services and Experian is still charging my accounts for " member services ''. I have asked them multiple times to cancel the accounts cease billing to my account. When I give either of them my credit card info they say they have " no active account on file associated with the credit card number or my social security number. '' They insist I give them the credit card number " associated with the account ''. I I have contacted my bank to resolve and they do n't have the old card information and I can only dispute transactions from the last 60 days. I have since the account was opened with there credit bureaus have definitely lost a couple cards and XXXX was involved in the XXXX breach, I no longer have these card numbers or know which one was used for the account. 
This lasts at time I called Experian who refused to help me with transactions saying they have no active account on file so there should n't be charges from them. I repeatedly offered her to email or fax the evidence of the charges from my bank statement and they refused them. They said would n't be able to help me without the old credit card account number. They refuse to take a dispute. I told them someone has take responsibility for the charges, by bank does n't have the old card information that was closed and they have overdrawn my account several times. Experian reps say they ca n't help and refused to take any information and redirected me to my bank ... which I called again and they still do n't have the card info. I have gone round and round between that bank and these XXXX agencies. I cancelled my accounts in XXXX and I am still being charged. No will help me and I am loosing money because of these charges. Someone please help me.
Consumer complaint received 2015-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (SC)

The XXXX account listed on my credit report shows as past due for four payments of {$9800.00} ( credit report excerpt attached ). This account is current and no delinquency exists. Even XXXX 's company on-line information ( attached to this complaint ) shows my account as current and I 'm told updated information should be on my credit report showing the account is current with no late payments. This account needs to be corrected asap as I am trying to purchase a car and I ca n't get financing.
Consumer complaint received 2015-09-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CO)

There is a public record on my Experian credit report from " XXXX XXXX XXXX XXXX. '' There is no recorded judgment from this creditor. I have disputed in the past with Experian, and it has come back verified. I went on to request that Experian provide me with the method by which they verified this public record, and they have repeatedly failed to provide me with any such information.
Consumer complaint received 2015-07-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

This is a follow up to case # XXXX. Due to a serious medical hardship we have fallen behind on our mortgage, exhausted most of our saving and our credit rating is severely damaged. We have been able to secure a reverse mortgage to save our home however the loan does not cover the balance due. We are able to bring approximately {$10000.00} in cash to closing so that the reverse mortgage and cash covers the principle balance, even this is difficult for us. We have asked Bank of America to write down the accrued interest and penalties so that we can save our home. They say that this will not fit within their investor guidelines and their only options are a short sale, deed in lieu or loan modification. In the XXXX XXXX cases we would lose our home and in the XXXX case there is no guarantee that we would qualify or be able to afford the payments. We have a short time to take advantage of the reverse mortgage and pursuit of a modification risks losing this opportunity. BofA says they want to help people stay in their homes but they are unwilling to help us. It seems that since we have equity in our home they would rather take it away from us through foreclosure, short sale or deed in lieu. We do n't know if there are government programs that assist older people like us who do n't have time to recover income, savings and credit ratings or go out and get a new job. The reverse mortgage is our only hope. We feel like we are being discriminated against because none of the solutions offered help older people like us who have equity in their home but fell behind due to a temporary hardship.
Consumer complaint received 2016-02-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (TX)

attachment : pg XXXX shows credit of disputed bill - pg XXXX new address and account # with disputed amount credited - pg XXXX previous account number will bill in dispute. ///// I disputed this bill and was given credit on my account. It was a move and transfer request that was fouled up by XXXX XXXX XXXX. The credit amount ( XXXX ) is not exact because of taxes or some other internal computer function, I suppose. Stellar Recovery also rounded to the amount owed as {$67.00}. 
When the issue was correct at the XXXX office with a representative I showed her the notice that it was going into collection but they did not follow through as they should have.
Consumer complaint received 2015-12-18
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My sister passed away in 2009 with a loan on a property that is now in my name but the loan is in her name .B of A over the last 5 years has not let me assume the 6.35 % loan there fore unable refi. Property was under water and over the last five years B of A has made it very difficult. I short sold a piece of property trying to refi and that has lowered my credit score.
Consumer complaint received 2016-03-17
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/2015, I submitted a hardship letter to Wells Fargo the loss mitigation department expressing that I would be able to pay my mortgage due to a monthly increase in my XXXX mortgage monthly payment from {$1600.00} to {$2100.00}. This new payment of {$2100.00} for the XXXX mortgage plus a XXXX mortgage payment of {$390.00} gave me a total monthly payment of {$2500.00}. Since this payment is more than XXXX % of my monthly net pay, I could no longer pay the mortgage and have any kind of day to day life. After moving forward with notifying Wells Fargo, I think it was reasonable to think I would be a bit farther along in this process. I have completed every peace of paper work at least 4 times and I have yet to get any kind of resolution to my situation. The person my agent is constantly submitting paperwork requested without any resolution. This situation should be forwarded to any committee in congress that regulates mortgage finance. I have filed many complaints on this process and there should be some way to get this done a lot quicker than 6 months. My agent has submitted a contract with a buyer willing to buy the house through the short sale process more than 30 days ago, but due to Wells Fargo 's representative XXXX XXXX constantly asking for the same paper work to be sent over and over simply to harass my agent - is ridiculous. Again, my agent just sent all of the paperwork that was previously sent and we still do n't have any resolution to my problem. I really believe that I am being discriminated against because I 'm a XXXX female. There should be an investigation to see how many minorities get the run around when going through this process. The XXXX mortgage company - XXXX has approved the short sale and we are simply waiting for Wells Fargo.
Consumer complaint received 2015-12-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NC)

reporting account status that is old. 

coastat federal credit union XXXX is still reporting 30 and 60 days late from 6 years ago and account # XXXX is reporting 30/60 days late almost 6 years ago. From what i am told this should be showing the previous 36-48 months max not a late payment i made 6 years ago. XXXX XXXX XXXX reporting lates from 5 and 6 years ago also the following fraudulent inquiries made by my ex wife are still showing XXXX XXXX XXXX XXXX card fingerhut XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all these inquiries were initiated without my permission. All the accounts look ok that i see thus far, i just want the above corrected and removed.
Consumer complaint received 2015-12-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I applied for my free credit report from Transunion using the government form from annual credit report.com and sent it in and got back the stock we can not find you but to provided documents which is did and they are my latest paycheck stub and my latest bank statement showing my current address and I get back a stock letter staying proof is unacceptable as it was to old? so how can the current pay check stub and bank statement not current and requesting to sent in the same documents why? can I get my report I provided the information and Transunion can find me with out any problem and again every year I have this issue why is the government allowing these companies get away with this type of behavior and have so much control over our information