davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (WI)

I want to make CFPB aware of another issue with Navient that has troubled me - they make it extremely difficult to find out how your payment is allocated - interest and principle - declining balance. Every other lender I know shows your prior statement balance, your payments made, how much went to interest and to principle, and then ending balance. In this way you can see if, for example, your minimum payment of {$750.00} on your student loan payment, only pays down your principle by {$79.00} dollars with the rest going to interest. My loans are consolidated with them, and I have previously raised this issue with customer service, and they had no answer other than the website was being redesigned ( this was over a year ago ). I have figured out how to do this manually, but the average student loan payer will not go to the trouble. You have to go to their " archived '' old site, then to your emails ( all my communication is electronic ), then gather your monthly statements, then write down your prior balance, payments, interest and principle, and manually review the declining balance. This is how I figured out that on many months only a tiny % of my large payment was going to principle. This to me is a very deceitful way to do business - by making it so difficult to understand the declining balance, and thus how much you are actually paying off without manually tracking it, they are encouraging everyone to remain in huge debt as long as possible. They should be made to put this on the main page of the borrowers ' loan balances - they already have the payment amounts, it would take very little programming to add this. It seems as if Navient is purposely omitting this information to keep borrowers on the hook for as long as possible since if people knew they only had a small amount going to principle they would be motivated to pay their loans off sooner.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CO)

Where are the documents that you use to validate the accuracy, please send them to me immediately. They put this account on my credit report without first validating any information. That is against the law and that is a Fair Credit Reporting Act violation. Please help me get this off my credit report.
Consumer complaint received 2016-11-03
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (CA)

On XXXX/XXXX/XXXX I went to speak with a salesperson at XXXX Honda in XXXX. I was only going to get an inquiry about my vehicle that was due to be turned in because the lease was going to be up. I had been in a small fender bender, ( in my current vehicle ) and Honda told me they would take my vehicle right out from under me and put me in a new one, I said to them " of course you would, but at what cost? because I was just discharged from a bankruptcy and I want to make a fresh start, where I do n't put myself back in the same financial bind ''. They showed me a XXXX Honda XXXX. The salesman kept going back and forth with his Manager about pricing, looking to see what he can do for me. I knew that my credit score would effect the payment amount but I was curious to see what they could do for me. The salesman came back and said I can get the car for {$480.00} per month, that is without insurance. I told him that is just way too much for me, I know I wo n't be able to afford that!!! He kept saying " Come on I want to help you '' I said seriously there is no way I can or want to pay that much for a car because I 'm just coming out of a bankruptcy and want to better myself. I told him " I am just here to inquiry about the vehicle I have to turn in on XXXX XXXX ''. He kept pressuring me by saying " let 's just do it now while you are here ''. Looking back at the situation I was very vulnerable and in a position where I was desperate, because I needed a car since my lease was expiring in a month. I really did go in just to inquire and be better prepared when I do have to turn my car in. But, I feel like I was taken advantage of considering I told them what my situation was. All they wanted to do was make a sale and not consider what I could afford. XXXX is currently holding a postdated check from me, that I do n't have the $ $ $ for. They took a post dated check knowing I do n't have the money, now I 'm in a bind because I feel pressured to somehow come up with this money. My 1st payment is coming up and I do n't have that either. I really wish the sales people cared about people and not just pushing a sale right there and then. I 've tried taking the car back but they mislead me to believe that my payments will drop when my credit score improves in a month, but what about the money I have to come up with now??? I feel very helpless.
Consumer complaint received 2016-12-07
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO. (TX)

From XX/XX/XXXX to XX/XX/XXXX Chase has made three credit inquiries with credit bureaus in furtherance of the issuance of a credit card. On all three occasions I contacted Chase and advised them I had not applied for or requested a credit card. On all three occasions Chase closed the application- although they mailed me a credit card on the first occasion ( which I destroyed ). On all three occasions Chase informed me that the applications originated with Amazon, in connection with their agreement with Amazon. 
On all three occasions Chase informed me that they would withdrew the inquiry and that the inquiry would not appear on my credit report. 
On all three occasions I subsequently contacted Amazon. On the first occasion Amazon believed that the application came from an account primarily used by my son. I spoke to my son and he denied making any application for a credit card. He subsequently closed that Amazon account. 
After the second incident on XX/XX/XXXX I requested a fraud block on my credit account. As mentioned earlier, I contacted Amazon and asked them to research the source of the application however they said unless I had the password to the account they could not reveal any additional information. 
During my telephone call to Chase regarding the most recent incident I informed Chase that although they had previously assured me that the credit inquiries would be withdrawn, they were still appearing on my credit report. Now there are three inquiries on my credit report from Chase. They could not explain why the inquiries have not been removed. 
During my last inquiry with Amazon they asked me to keep my account open so they could run " security checks ''. I subsequently received an email stating that no security problems were found. 
Since the credit card applications seemed to list my current mailing address I am assuming that it is not part of a credit or identity theft effort. I ca n't explain whey it originated but I am assuming that the reason it re-occurs is due to a system program that regenerates the application request when it notices that a credit card was not issued due to the original application. It seems that the system recognized this and that explains why the first two were exactly one month apart ( XX/XX/XXXX and XX/XX/XXXX ). 
The fact that I had a fraud block on my account might explain why subsequent attempts were foiled until the fraud block expired. 
I have asked Amazon to research this but do n't know if they will.
Consumer complaint received 2017-01-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (AZ)

In XXXX of 2014 the servicing of my mortgage was sold from XXXX to Setrus Inc located in XXXX, CT. I had sent in a payment on XXXX/XXXX/2014 that was received by Seterus for the XXXX/XXXX/2014 payment This is verifed by Seterus Inc . They are stating that there was a fee of {$87.00} dollars assesed from XXXX that was deducted from my mortgage payment and the rest was applied to a suspense account. When the next payment was received on XXXX/XXXX/2014 for the XXXX/XXXX/2014 payment it was instead applied with money in the suspense account to make the XXXX payment which I believed was already made. This in turn has started a domino effect of my payments consistantly falling in the 30 day behind range. I have spoken with representatives from Seterus numerous times and have gotten nowhere. I am trying to refinance my property but because of this incorrect applying of my payments I am being denied by current lenders because of my mortgage payment history. I have made a paymnet every month from the inception of my mortgage and will continue to do so. Please assist in getting this mistake corrected as I have had no success in dealing withthis company. I am a retired veteran and believe I should be getting some help.
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

Navient put my account on Deferment and Forbearance as a " courtesy '' without my knowledge, when I enrolled part time in online classes. Interest still accrued of course, while my automatic payment debits were paused for 1 year. Therefore, they secretly accrued more interest without my knowledge. After a 1 year deferment, they rolled on a 2 month forbearance as a " courtesy so that I did n't get surprised when the deferment dropped off '' according to their agent on the telephone. Makes no sense, if its on automatic payments another 2 months of forbearance is not a courtesy. Furthermore, their communications to me in email are all using vague language and so I never knew these changes were being made to my account.
Consumer complaint received 2017-01-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (MN)

I have settled a claim from XXXX XXXX XXXX that I owe a debt to them. I filed XXXX claim after I had spoken to many different managers at XXXX XXXX that claimed that my balance was at {$0.00}. No debt was owed as a result of poor service and I have communication from them attached, showing that the debt is no longer owed to them. Over the past 16 months, I have gotten MULTIPLE debt collection companies attempting to collect a debt that is not owed. These various companies appear to be selling this debt to other companies when they realize that there is no debt to collect. Every couple of months I get a new letter from a different company stating I owe them money. How do I get this to stop?
Consumer complaint received 2016-11-02
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I had setup my credit card account with Bank of America to AutoPay and it was working fine for several months. Suddenly, the minimum payment amount increased due to a promotional period ending. The AutoPay did not adjust the payment amount so it did n't make a full payment. Now, Bank of America has a delinquency mark on my credit report that says that payment was over 30 days past due. They refuse to correct it, saying that it was my fault that I did n't make the full payment. Their site is very misleading about how AutoPay works and I firmly believe that they are at fault here - why should I be punished for this??
Consumer complaint received 2016-12-08
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (FL)

I have a credit card called Care credit. It is a credit card that has no interest if you pay off your promotional balance within a said amount of time. I would only assume that all my payments would go to pay off the oldest balance. However I found this not to be a true statement when I was charged an absorbance amount for interest. I called to see what they balance had not been paid down and or off and they stated that I must call in each month and allocate where I want my payments to be placed. Ive never heard of such a practice. I called and demanded that they credit the payments I 've made since XX/XX/2015 to the latest running balance and was told they could only allocate for the last 6 months there for im being charged XXXX in interest.
Consumer complaint received 2017-01-24
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

THESE ARE THE VALID CCP CODES FOR CALIFORNIA CCP XXXX Those are Civil Codes of Procedure for the State of California. 

I have a levy put on my account by a creditor whom I 've never heard of. I 've reached out to Bank of America over the phone, sent supporting documents via e-mail, as well as supporting documents to a branch manager for forwarding to your legal department. Not only did I show proof that all monies that were in my account have been for living expenses because of a XXXX XXXX injury / XXXX XXXX, I even forwarded the supporting link as well. I recently had XXXX on XXXX XXXX 2016 and all my XXXX payments were almost exhausted. I was giving a pre settlement loan from XXXX XXXX for living expenses as well. I even showed proof of that. Why did your incompetent legal department tell me that in the State of California XXXX and XXXX are n't exempt from bank levys? BofA did n't fulfill the laws of California even after they 've double checked. So ... they released my money to the sheriff 's department. Now, I have to go to court to show the judge the supporting documents because your XXXX excuse of a bank levy bench department could n't follow the law. 
Why has bofa lied to me about this CCP for California?
Consumer complaint received 2016-12-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

My loan is being transferred from XXXX to Navient ; and they are unsure of where the loan is in its processing. Navient is the recipient and has no record of me. XXXX is the seller and has a general time frame of 2 to 4 weeks ; but is not able to deal with my loan any longer. This means I am not able to make my monthly payment. When I do n't make a monthly payment, the interest continues to accrue on the current balance, rather than the slightly lower balance it would be at, should I have been able to successfully pay my monthly bill. Thus either XXXX and/or Navient will earn an additional profit by temporarily losing track of my loan.
Consumer complaint received 2016-07-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

It has been over a year now that I have been in review for a loan modification with Bank Of America without any resolution. I have been submitting every single requested document without any delay. However, it now appears that they once more have changed the " single point of contact '' that that had initially assigned my file to and I 'm being asked to resend all documents again. I 'm XXXX years old and ca n't afford to lose my home at this point in my life and I 'm respectfully asking for your assistance in this matter.
Consumer complaint received 2016-12-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (WA)

I was not notified of a change in my mortgage amount to increase the escrow balance. I did not receive an answer to my email when I enquired why the on line amount for my mortgage due had changed. I never received any written notification that my mortgage had changed. So because on line info is often slow to correct, I ignored it for XX/XX/XXXX and paid my normal mortgage amount. When my online statement showed an even greater balance due in XX/XX/XXXX, I called the bank, found out the error, and paid the difference owed. They did not inform me at that time that my previous mortgage payment was applied to principle, not credited as a mortgage payment so I remained delinquent even though I paid the amount owed. That was reported to the credit bureau because they do not record partial payments of mortgage payments that are more or less than the exact amount. So for three months, I did not know about the error, and did not correct it until a collection agency called in XX/XX/XXXX to collect my XX/XX/XXXX mortgage payment. I was able to correct it all with the bank but they would not change the report to the credit bureaus because they said it was my error. 

You can see on my banking statements that I paid {$1400.00}. to my mortgage account XXXX in XX/XX/XXXX, and XX/XX/XXXX, then {$70.00} extra in XX/XX/XXXX and the rest of the balance due of {$1600.00} to cover the difference between {$1400.00} and {$1500.00}. the XX/XX/XXXX partial payment went in as reduction in principle and when I paid the extra amount owed, no one told me it did not fulfill my p=mortgage payment for XX/XX/XXXX so that delinquency remained on my account and was reported to the credit bureau. All finance charges were reversed, and XXXX acknowledged never answering my email inquiries or sending me notification of the mortgage payment change. They said it is my responsibility to find out about changes and prevent partial payments.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

One of my XXXX old daughter friend somehow got some personal info about her debit card. And 2 weeks later, he deposited a fake check for {$10000.00} IRS tax refund with my daughter 's name in my daughters account ; and the bank allowed them to withdraw the {$10000.00} within 2 weeks. I called the bank and told them it was wrong for them to allow such transactions to go through and not seeing it was a fake check. how could a XXXX old girl who was XXXX when the fund was dated, with no job, received a {$10000.00} tax refund from the IRS XXXX It was their job to block the check and notify me of the fraudulent transactions. The bank gave me {$4500.00} and refused to give me the rest. 
They had kept my daughter account opened with a negative balance of {$5500.00}. A couple of weeks later, I had accidentally transferred money online to that that negative account because my daughter custodial acct is 1-digit different form my checking acct #. I called them the next day to report it was a mistake. I called over 5 times and explained. They refused to return the money and kept it. I contacted friend who has financial knowledge and helped to mail and email them a complaint to the CEO and other top officers. Several people had called following the complaint. But it was a waste of time. They made no promise of any kind to give me back the money. 
The bank is BANK OF AMERICA. I have a checking, saving account with them, including direct deposit from my job as well a a custodial account for my XXXX daughter. I have been a good standard customer with them for about 14 years
Consumer complaint received 2017-01-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BOK FINANCIAL CORP (NC)

My address is : XXXX XXXX XXXX XXXX XXXX NC XXXX. 
My home loan is with XXXX, For XXXX 2017, I submitted XXXX payments as I change my method of payment. I had to stop the first payment and before doing so I called the company on first week of XXXX, after VERY LONG wait an agent told me it 's ok to stop the first payment, so I did. 
second payment with additional principal went through. One week later I received XXXX statement with additional fee. Again I called after 26 min wait time, another agent told me she is going to ask her supervisor to look into this and I will get an email. Two weeks after I have not yet received any communication and I 'm not able to talk to them via phone as wait time takes longer than 30 min. I do n't know if extra charge is for additional principal payment or stopped first payment. But I should not be charged.
Consumer complaint received 2016-12-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Perfection Collection (GA)

The account was originally in collections with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX. The account was reported as date opened XXXX and first reported on XXXX. I disputed it on XXXX/XXXXXX/XX/XXXX and the collection account was deleted from my credit report followed by a confirmation letter from the credit bureaus dated XXXX/XXXX/XX/XX/XXXX, they are Reporting old debts as new or re-aged. 
I recently noticed the account was added back but now reported by Perfection Collection and illegally reported as account opened in XXXX and first reported XXXX as well as misstating the balance due. I have done numerous disputes to XXXX and they refuse to update it and tell me contact the collection agency.
Consumer complaint received 2016-12-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC. (FL)

XXXX, XXXX XXXX ... XXXX of XXXX XXXX, XXXX XXXX. Telephone : ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. 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 AFNI, INC. XXXX or any company associate with this account # 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 : AFNI, INC. 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 XXXX
Consumer complaint received 2016-12-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MA)

My husband died, the mortgage was not in my name. I was working with Ocwen on a simple assumption and I was approved for a trial modification with Ocwen. I made all 3 trial payments and my loan was sold to XXXX. When speaking with Ocwen they stated that all my information would also be transferred including the fact that my loan was about to be modified and put in my name and that I had made all three trial payment on the trial modification.