davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-17
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (LA)

I have never had a mortgage with Bayview Financial. 
I have disputed this item numerous times. They said they my mortgage, however, I have n't ever had a mortgage with this company. I 've asked for documents bearing my signature. 
However, nothing has been provided to me. Please help.
Consumer complaint received 2017-02-17
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (DC)

The original price of the mortgage was to be {$340000.00}. When we got to closing the price had been increased wothout prior warning or explanation by {$60000.00}, which was the exact amount the lender allowed for repairs and other improvements to be made to the property, however, so how the mortgager increased the price by that amount. 
Due to the drastic nature of price and/or fees change ( increase ) presented at the closing, there is reason to believe that there were violations of both the Truth in Lending Act and RESPA. The price of the residential mortgage was increased by {$60000.00} at the closing, without warning, nor prior discussion, thus increasing the price to {$400000.00} for an older XXXX bedroom home, very predatory pricing for the particular area. It is hoped that the reasoning for this can be uncovered and rectified during the course of this investigation, and any resulting negotiations.
Consumer complaint received 2023-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (OH)

Navy Federal credit Union keeps overcharging me with all these late fees and return check notification monies when I bought a XXXX XXXX on the XXXXXXXX XXXX XXXXXXXX I used my debit card for the down payment in the sum of {$1300.00} it came right out of my bank account on the XXXXXXXX XXXX XXXX and then all of a sudden on the XXXXXXXX XXXX XXXXXXXX I see that they said I took it out on the XXXXXXXX XXXX XXXXXXXX and I didn't have enough money in my account so they charged me {$29.00} two times and a {$20.00} late fee and I called them and they said oh well we hold your money for 3 days so you can't spend any money out of your account for 3 days I've never heard such a thing before and this is not the first time this has happened with Navy Federal credit Union with me and I know for a fact there's other people that are having the same problem it's all over the Internet about Navy Federal credit Union I wish somebody could help me with this problem they keep stealing my money charging me all these late fees and they just say you are too bad
Consumer complaint received 2016-05-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NC)

I have small business accounts with XXXX. I received a letter dated XXXX XXXX, 2016 from the bank informing me that the XXXX accounts relating to my company will be closed effective XXXX XXXX, 2016. I have not been given any reason for closing these accounts. I contacted the branch and the number give on the letter to find out the reason why they had closed the account - all they said was that it was a " business '' decision and that there is a clause in the account opening agreement that give them the right to close the account unilaterally. This has caused immense business and personal stress to me as I am undergoing XXXX XXXX later this week and am just not in a position to do what is needed to open new accounts and to move the alignment of payment processing companies to the new account. Furthermore, I feel it 's gross unprofessional of these big banks to bully small businesses by taking unilateral actions without giving any reason for their action, as they have with me. My business and bank account management is 100 % compliant on all US and International regulations, and I would request CFPB to direct XXXX to allow me to continue to operate these accounts.
Consumer complaint received 2016-09-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NJ)

There is a tax lien on my credit report with XXXX XXXX XXXX, docket XXXX for a federal tax lien in the amount of {$21000.00}. It shows that this judgment was filed on XXXX. I have written to the court, disputed with the credit bureaus and even sent letters to IRS to get this federal tax lien verified and validated per the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 

I have not received XXXX document that shows this account is owed bearing my name, address, birth date, social security number, or anything with my signature on it. I was even told by the court house that they do not report to the credit bureaus so how can this be reported?
Consumer complaint received 2023-05-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I am writing regarding unauthorized ACH transactions with Bank of America on my business checking account. The charges were made to the company " XXXX XXXX, '' which I understand to be an online gambling site. The unauthorized charges were made between the dates of XX/XX/XXXX and XX/XX/XXXX. 

I contacted Bank of America and XXXX on XX/XX/XXXX after becoming aware of the problem. I became aware of the situation after multiple other accounts with Bank of America, XXXX XXXX, and XXXX XXXX 's ( XXXX XXXX ) were compromised similarly. I called XXXX on XX/XX/XXXX to report the problem and emailed their legal department. I called Bank of America on XX/XX/XXXX and again on XX/XX/XXXX to report fraud and asked them to put a hold on my account. 

Bank of America assured me they would investigate the claim and asked me to complete a form documenting the unauthorized ACH transfers. I emailed these documents on the evening of XX/XX/XXXX to the address listed on the form. 

I called Bank of America to follow up on my claim on Wednesday, XX/XX/XXXX, and was assured by the fraud representative that they were looking into it. 

After not hearing anything from Bank of America for over a week, I called again on Monday, XX/XX/XXXX. At this time, I found out that the claim had been denied or, as the phone representative told me, " not found in my favor. '' I asked if she could explain why it was denied, but she could not. She agreed to re-open my claim and asked me to fax a letter of appeal to the bank, which I did that evening. 

I still have not received any correspondence from the bank. My bank account remains frozen. My phone line has been disconnected, my website is at risk of being shut down, and I am losing money due to this problem. Not to mention I still have {$6000.00} missing from my bank account, and nobody seems to be able to do anything to help me. I never received a claim number ; I did not receive any letters or explanation regarding my claim, nor did I get any sort of temporary credits to my account while the claim was investigated. 

I plan on continuing to pursue this claim to the fullest extent. I have been a loyal customer of Bank of America since XXXX and trusted them to keep my money secure. I did not authorize these charges. This is an account used for business purposes and business purposes only. I am writing because I need help to understand my rights and what I need to do next to get my hard-earned money back.
Consumer complaint received 2016-09-15
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Eagle Financial Services, Inc. (OH)

The manager of Eagle Loan Compnay visited my home and left a postcard ( business card ) in the door about contacting his office. This upset me and my husband tremendously and was extremely embarrassing. I asked to be contacted on my cell phone only. I thought it to be completely harrassment to vist my home, all I receive are calls, they have never sent me a letter, stating the balance. But the manager made a house call to my home.
Consumer complaint received 2016-04-25
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (TX)

XXXX of XXXX pulled my credit on XXXX/XXXX/2015 from minimum XXXX banks and other institutes without my authorization. I called XXXX of XXXX, XXXX TX XXXX to remove the inquiries on phone, they said I should ask Credit Bureau, when they will contact ask them, we will ask them to remove. 
I spoke to XXXX credit Bureau, they told me to contact the company who pulled the credit file, or I call individual company. 
My credit is ruined by these marketing guys, My son XXXX years old goes to college, he is on XXXX, I am trying to get a vehicle XXXX but due to many unauthorized inquiries and negative impact on credit report I am declined for that and also for other financial help I try to get some loan. Please help me I am not able to deal with big companies they do n't care and do n't want to listen what I am saying. For me and my XXXX son its very important to remove from my credit repot. 
I would appreciate for your kind help, you can see in attached lists how they have pulled my credit report. Not only me but my XXXX ( I am XXXX ) family and specially my son who is XXXX XXXX at XXXX ( XXXX XXXX XXXX ) who really needs transportation and van XXXX, due to too many unfair and unauthorized inquiries. 
I have attached XXXX files, includes all XXXX credit Beureaus Consent to publish the description of what happened? Consent provided Supporting documents Unauthorized Inquiries list XXXX XXXX XXXX Bearues.docx ( XXXX ) credit iquiry XXXX Beureaus.pdf ( XXXX )
Consumer complaint received 2016-05-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I was just hired for a job. When they did my background check, they said there was another name was tied to my SS number. I went to the annual credit report website and tried to get all XXXX credit reports. I was not able to view them at all. They said it was due to discrepencies with my identity. 
I need my reports so I can view them in order to file a police report.
Consumer complaint received 2015-08-20
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Advance America, Cash Advance Centers, Inc. (TX)

Last year I made the mistake of taking a loan with Advance America. I contacted them repeatedly on trouble with paying it back and trying to resolve with a payoff program. 
I committed to paying back the loan XXXX at a time at which point they tried to debit XXXX from my account immediately. I immediately changed my card an bank account number to keep my funds so I could feed my family and pay essential bills. 
They called back threatening a civil suit unless I made another arrangement. They also threatened to have " personal '' collector come to my residence to collect. A practice I thought long gone and illegal. They were very vague and argumentative as most collection agencies are. 

I made the arrangement today XXXX/XXXX/2015 at XXXX but during the call the person repeated my Debit card number out loud in a room full of people. I know this to be illegal and it opened up my card to a variety of ways it could be used. They repeated back the number, expiration date and security code. Everything that would be needed to gain access. 

The contact person name is XXXX from XXXXXXXX from their verification department however did not divulge any of my information and limited the security questions to the last XXXX digits. 

This is very dangerous because anyone could have taken my information down. I have alerted my bank about this. I am launching this complaint to keep other consumers safe. I fully intend to pay this bill off. I do not however want random people knowing my debit card number and personal information.
Consumer complaint received 2017-03-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

My account with this company charged off the total amount of {$2600.00} three years ago. since then it is still being reported tot he credit bureaus as an active amount and i just received an alert from equifax today. 
XXXX/XXXX/2017 XXXX - Account InformationArchive this alert |Hide alert details The following changes were reported for your XXXX account : Balance Amount Changed from {$7800.00} to {$8700.00} Past Due Amount Changed from {$7800.00} to {$8700.00} How can a charged off loan grow {$970.00} in one cycle and grow {$6000.00} after it was charged off? 
They are the definition of predatory lending and should be sactioned!
Consumer complaint received 2015-08-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (MI)

I sent my reduced property tax bill to Roundpoint Mortgage Servicing company via email. I called them a few days later to make sure they received the information, and to learn what my new payment would be. The young man on the phone could not give me that information, but told me they would run a new analysis in XXXX. I told him that was not acceptable, so he agree to run a new XXXX by XXXX XXXX. The company did so, but used the old property tax information rather than the new XXXX. My original summer tax bill was {$4200.00}. The new XXXX is {$2300.00}. My new payment shows an increase of {$35.00} per month, using the wrong property tax information. I have contacted Roundpoint again, but not heard from them.
Consumer complaint received 2016-04-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: AFNI INC. (TX)

this debt was included in a chapter XXXX BK XXXX filed XXXX/XXXX/2016 this the collections company was already notified and continued collection practices are being made by the creditor. this accoutn should be removed from my credit report and all collections efforts should cease.
Consumer complaint received 2016-09-16
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Law Offices of Hayt, Hayt & Landau, LLC (PA)

I had a credit card account with XXXX XXXX from XXXX to XXXX. I paid the credit card faithfully until I was laid off in XXXX. The credit card went into collections in XXXX. I paid the collection company from XXXXto XXXX.I stopped paying on it because I hit hard time again. So XXXX in XXXX the XXXX XXXX account went The Law offices of Hayt, Hayt, Landau, LLC. stating I owe {$2100.00} and {$13000.00} went to interest. When I sent my response letter to them, There response was a letter and XXXX XXXX statements from XXXX XXXX. Not anything I paid to the collection agencies.
Consumer complaint received 2017-03-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Collection Information Bureau, Inc. (FL)

DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX, XXXX XX/XX/XXXX ( XXXX ) XXXX Collection Information Bureau , Inc . 
68 years in business XXXX. 
XXXX, FL XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify DOCTORS BUSINESS BUREAU or any company associate with this account # XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission DOCTORS BUSINESS BUREAU acc # XXXX, XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
Consumer complaint received 2016-05-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

A Draft from a XXXX bank made payable to my mother AND myself was deposited into a Bank of America checking account XXXX with only my mother and XXXX of my siblings, all in VA, as account holders. My name was NOT on the account. My mother who had XXXX XXXX and was non-functional for XXXX4 years prior to her death, died on XXXX XXXX, 2014, the check was deposited XXXX XXXX, 2014, 2 days after her death. I secured a copy of the processed check from the issuing bank as proof that it was deposited without neither my mother 's endorsement nor mine. I have tried for over a year to negotiate with my XXXX XXXX siblings to settle matters but finally I had to contract an ATTY to try to recover the funds but because the funds are in an account with only their names they are in control of distribution, leaving me without much recourse via my ATTY. If BoA had not accepted the draft without endorsement, I would not be in the present situation. According to my online legal research, there are many cases of similar instances, all indicating that a check made payable to parties using " AND '' should be signed by everybody named on the payee line. I went to XXXX different BoA branches in my area, XXXX, to try to obtain information but they stated they could not help because my name was not on the account in question. They did tell me the account was closed on XXXX. So now, I have no idea where my funds are. I contacted the XXXX XXXX XXXX questioning the legality of depositing a check under these circumstances, they did not directly reply but I did get a call from a BoA consumer advocate from the XXXX XXXX XXXX XXXX office who was assigned to investigate my question regarding the deposit. She stated she would call me back to obtain details to investigate the issue, but not hearing back from her I called several times in the past two weeks but had to leave her a voice message. My ATTY now has informed me that my XXXX XXXX siblings are distributing the money according to their decisions in the next week or so. I am contacting you in hopes that you can help me since this has been going on for over a year, I have tried the friendly familiar way, the ATTY way, working with BoA directly, and nothing is resolving the issue. The sibling involved in depositing the check has been in the banking industry for over 20 years, and has worked for BoA XXXX with friends in several BoA branches. He intentionally deposited the check while I was out of the country in XXXX. My complaint against BoA is that the check should have never been accepted for deposit without my endorsement, and they should now be liable to reimburse me the full amount of the original check, and maybe ATTY fees for all my stress and time for over a year. I believe some action is in order against all involved in the deposit of the check which appears to have been a " friendly '' transaction. Please call me if would like clarification or have questions.
Consumer complaint received 2015-08-19
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capitalone- I have a capital one quicksilver card.. It was issued to me with the promotion of no apr for one year and a credit limit of {$3000.00}. After the year my apr was supposed to start as 12.99-15.99 % based on credit worthiness. During my intro year I was happy that my credit limit was doubled. It was doubled to {$6000.00} because of my good payment history and good credit worthiness .... I used my card a lot after this increase l, feeling as though I was developing a good relationship with capital one and my new card. My apr kicked in this month while I have a balance of over {$4900.00} ... I was surprised my apr is 22.99, higher thanI have ever had on a card. It feels as though I have been tricked into this debt with this incredibly high apr. I 've never missed a payment and my credit is strong. It 's bad business on capitalones part, and they will do nothing. So here I am..
Consumer complaint received 2015-08-20
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A. (KY)

I took out this loan in XX/XX/XXXX for {$20000.00}. I have been paying the monthly amount of {$190.00}, with only {$61.00} per month going towards the principal. 

As of XX/XX/XXXX, the balance is approximately {$16000.00}. At this rate, it will take me another 12 years to pay this loan in full and at the end of the 20 years, I will have paid {$46000.00}. 

They have applied {$960.00} in late fees to the outstanding balance because I fell behind when I lost my job. I caught the loan up as soon as I was able to do so and have been current ever since. 

I am concerned that this is a " predatory loan ''. 

I look forward to hearing back about this loan in the near future. 

Thanks.
Consumer complaint received 2016-09-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

I am a victim of ID Theft, I had two accounts from Wells Fargo XXXX XXXX. I would appreciate a letter from Wells Fargo. I would like to find out if I am included in the law suit with Wells Fargo.