davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This is my second CFPB complaint for this same issue and after multiple complaints with the bank. For the second month in a row, after they had advised you all and me that the issue was resolved and I could pay money towards my principal, this has not been the case. My last two principal payments were applied against future interest payments. This then causes me to be on the phone with the bank for a long amount of time trying to get the payment reversed back to principal. Last month I lost money as they did not backdate the payment date so they kept some of the interest they charged me. This month, the representative advised that they would backdate the payment so I would receive the full benefit of my payment.
Consumer complaint received 2016-11-04
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc (FL)

I have purchase a computer on XXXX on XXXX XXXX XXXX for the amount of {$540.00} and selected paying with a XXXX XXXX Account option that allowed me 12 months of interest free payment. I have never received a bill for that transaction until I 've received a collection call on XXXX XXXX XXXX. 

I was informed by a collection agent that I now own them {$730.00} which includes the original amount plus interest fees of 25 % plus late fees. After conversation with multiple agents, I find out they were sending the bill to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL, an old address I have n't lived in for over three years. However, the original order invoice shows my correct billing and shipping information. 

I was also informed the company pursuing the charge is Paypal Credit, which also operates under the name of Bill Me Later and XXXX Preferred account. 

Since I moved I have also updated my address on both my XXXX and Paypal.com accounts long before that transaction. 

Because the transaction was originated from XXXX, and under XXXX preferred brand, I was giving the impression was I doing business with XXXX. The use of multiple brands is confusing and it is was not clear I was doing business with PayPal credit. 

Because the order was placed with the correct billing address, and I have updated my address information on both XXXX and Paypal websites, I believe there was a failure to send bills to my current address, which qualifies as a billing error under the Fair Credit Billing Act ( FCBA ). I am not disputing the debt, however I should not be responsible for financial penalties and interest charges as I never had the opportunity to pay for that debt.
Consumer complaint received 2016-08-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (NJ)

I have an auto loan with wells fargo dealer services loan # XXXX. Due to my husbands job loss and injury I did fall a few months behind on vehicle payments. The problem is that I have been making payments but Wells Fargo does not appear to be applying my payments correctly. I made a payment of XXXX/XXXX/16 for {$300.00} which they told me was for XXXX 2016, however, they took the payment and my account still shows due for XXXX but yet the total amount due on my account information with them on their website shows {$760.00} which totals the XXXX and XXXX 2016 payments plus late fees. When ever I call about my account, I verbally verify with them what month I am paying and on XXXX XXXX they told me I owed for XXXX 2016 and I made a payment of XXXX XXXX. My concern is that they are not applying my payments correctly and I ca n't seem to verify what month I owe for. Every time I call, I get a different answer and their response from their collections supervisor is it does n't matter what month I owe for and I better make a payment. I am making another payment on XXXX/XXXX/16 but I have a right to honest answers regarding my account and when I login in to my online account for the loan, I should see information that is current but it is deceptive and misleading. In addition, they call and harass my husband who is not even on the loan. I addressed this with them that their employee who calls herself XXXX keeps calling my husband and all they say is yes a XXXX works there but they have not called my husband. However, they have called him several times and have left voicemail messages on my husbands cellular voicemail
Consumer complaint received 2016-03-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hauge Associates, Inc. (IA)

Someone from a phone number listed as XXXX called me on back to back days and I answered the second time but they would n't say who they were with she only would say her name, " XXXX XXXX '' and " it 's regarding a personal matter '' but offered no other information. 
They need to be upfront that they are actually a collection agency which she did not do.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I 've made payments on time to the company XXXX based on the settlement I 've made with them. The actual balance of this account is XXXX and the other credit bureaus have it updated correctly but Transunion. I 've called XXXX and they confirm they have sent 3 letters to Transunion with the updated information and after more than 30 days Transunion still refused to update my information on my credit report, this situation is affecting my credit score in a really bad way. 
I 've called Transunion several times ( more than 4 times ) and they denied that information, Transunion lied saying they have n't received those letters from XXXX, Today XX/XX/2016 I 've requested to speak to a supervisor or manager and they hang up my phone call. They also refuse to record phone calls from customers, this does n't allow customers like me to get evidence of everything is discussed to Transunion, therefore customers do n't have the way to proof anything against Transunion. 
2. I also want to report that Transunion has my name spelled and written on different ways and they refuse to fix it. I 've requested to report my name in the correct way based on my social security information but Transunion have refused to fix this issue. 
3. I 've waited for more than 60 days for my account with XXXX XXXX to be updated which cause me a really big issue with my credit score. I made the final and total payment of the settlement to XXXX XXXX in XX/XX/2016 and they sent updated information to Transunion. But Transunion updated almost 90 days after that just now on XX/XX/2016. 
4. I have a credit card with XXXX XXXX with a {$740.00} balance by today XX/XX/2016, but although I 've told Transunion my balance Transunion refused to updated it and they still report a wrong balance of {$100.00} dollars, which is affecting my credit score as well. 
5. Transunion have also placed my account under Fraud Alert and they have n't giving my a real and acceptable reason for such a procedure.
Consumer complaint received 2016-11-04
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My debit card had an unauthorized charge by XXXX which caused the account to go negative. Bank of America immediately hit me with a overdraft fee. First I called XXXX, their customer service people quickly admitted the error and issued a refund which would take XXXX days to process. I then called Bank of America, they said they would n't do anything until all the transactions posted then they would refund the overdraft fee and remove it from my records. So I waited until then, I have since called them XXXX times, once I was on hold for so long I gave up, the XXXX time I kept getting bounced around different people. XXXX dept says since it was n't technically a fraudulent charge they ca n't do anything, another dept says they ca n't do anything because they state that this in fact a fraudulent charge and the other dept needs to issue the credit. The XXXX time I was hung up on by the employee.
Consumer complaint received 2016-03-09
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (MD)

I opened AMEX premier reward gold credit card using the promotion code sent specifically to me. The mail contained XXXX or XXXX pages of document explaining all the great benefits/offers and highlighted XXXX bonus points as welcome bonus. I applied for this credit card mainly for that welcome bonus. AMEX approved it and I completed the requirement for the bonus offer. But AMEX did n't honor this because I have had this product previously. I claimed that AMEX never should have sent me this offer if that was the rule and they were completely silent on that. This is completely a marketing scam and luring customer with all the great promotions they will never honor. I 'm not talking about the general fliers or internet ad which targets anybody. This promotion and advertisement specifically targeted me in a mail with my name on it. They already knew I 'm not qualified for the promotion but AMEX lured me to open the credit card. I do n't expect this bad business from such a big company like AMEX.
Consumer complaint received 2016-08-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Commercial Services, Inc (NC)

In XXXX I was the owner of a 1996 Jeep Cherokee. In XX/XX/XXXX my daughter totaled the vehicle and XXXX my insurance company paid full claim on the vehicle. I then purchased the vehicle totaled back from my insurance company for {$600.00}. 
The vehicle was sold to a XXXX XXXX, I signed the title over to him and removed my lic. tag from the vehicle. 
I was contacted in XXXX XXXX by a National Commercial Services , Inc., XXXX XXXX, stating that I owned {$3900.00} and if I did n't pay it my drivers license would be revoked, I would have a claim against my credit report and I would be sued. I informed XXXX XXXX that I did n't own the Jeep in XXXX. I had sold it way before that. He said he did n't care, that I was listed on the police report in XXXX XXXX NC and that I needed to pay. That the vehicle had hit another vehicle in the rear and the driver was XXXX XXXX, I was the owner. I again explained that was n't true. XXXX XXXX has harassed me, yelled at me in front of my employees at my bank on the phone and wo n't stop calling me. He says he is representing XXXX XXXX. I have tracked down XXXX XXXX and verified that she had the accident, was n't insured and that XXXX covered the claims because the woman she hit had XXXX. XXXX stated that she has been making payments on this same amount to National Commercial Services for six months. However they are trying to get the funds from both of us at the same time. 
I have lost time at work, personal time and have been harassed by this company. I have spoken to XXXX multiple times with no assistance. I have called the XXXX XXXX Police who stated that the info on the police report may have come from a old registration card in the car. The tag on the vehicle report was my old tag that I had long returned to DMV. 
Today at XXXX I was told my XXXX XXXX that they would remove my name from this claim because they talked to XXXX XXXX who took responsibility and said that the car was not mine but was titled in her name at the time of the wreck. Then at XXXX he called saying that XXXX would not allow him to remove my name. 
What I do n't understand is that the lady hit by the jeep was covered by uninsured motorist and it paid the claim. The claim is done and paid ... .who has the right to harass myself or XXXX XXXX for payment. 
The police report clearly states that the hit was at less than XXXX and that there was NO damage to either car. YET the people in the car hit has made claims of XXXX and XXXX of dollars for medical cost. 
I feel that there is fraud being committed here in many directions and I want this stopped. 
I should not have to take my time away from my job and family to get out of this ... it was not my car, not my wreck and not my fault. XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION (CA)

EVERBANK IS REPORT A WRONGFUL 30 DAY LATE TO OUR CREDIT REPORT ... .That conversation will tell everyone that we made a payment over the phone and gave the rep our account number. The account number given can be crossed checked and determine that Everbank input our data incorrectly. We have paid Everbank before the due date and consistently, they have made a mistake and need to remove our late pay.
Consumer complaint received 2016-11-04
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CA)

I have a business checking account with U S Bank for more than 10 years.The bank CHARGES EXCESSIVE FEES at the expense of the struggling, hardship and misery of a small businessman like me..I ask them to help me to process credit card transaction on my place of business last XXXX XXXX. After 9 weeks of no activity, people are not buying or spending anything and no transactions on credit card machine, I inform the bank that I can not continue to operate at loss every week, told them I will be GOING OUT OF BUSINESS. The bank told me FOR THE FIRST TIME after 9 weeks, that the credit card machine contract is NON-CANCELLABLE..The bank should have told me that from beginning. Deceiving and un-ethical. The bank told me I have to continue paying the LEASE @ {$43.00} a month even though I am going out of business and no means of income from my business..The bank know from the beginning, I keep them inform every week for 8 weeks, that I am losing money ... It is deception on their part, unfair and un ethical. I bank with them for more than 10 years..Please help me to stop them charging me {$43.00} /month, and cancelled the lease. I also tried to talk to the manager of the branch, but the manager refuse to help me resolve the problems.. Thank you. XXXX XXXX XXXX
Consumer complaint received 2016-12-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

The last paperwork that I received from Bank of America said that I was XXXX month behind on my mortgage. I agree. This was in XX/XX/XXXX They sold my mortgage to XXXX and then all of a sudden I was XXXX months behind. I am not sure what happened. I do n't save paperwork because I new where I was with the situation. I am not sure how how these companies work completely. 
I asked for paperwork stating my payments and how they were applied. What they sent me I do n't understand at all. 
Now I tried to make a payment and they would not accept it. 
Please help Sincerely XXXX XXXX XXXX, IL XXXX XXXX
Consumer complaint received 2016-07-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

Dear Consumer Financial Protection Bureau : I have had an account with Union Bank for almost 16 years. At the time I first opened the account, I was employed full-time. I was laid off during the Great Recession, and, much to my chagrin, have been unemployed for several years. Currently, I help to take care of my mom. Yesterday ( XXXX/XXXX/16 ), at XXXX PDT, I called the Union Bank Customer Service Center, and asked them to please discontinue the mailing of monthly paper bank statements. The employee I spoke with over the phone, XXXX, said, " she could not do that because of the type of account '' that I have. 
I told XXXX that I wanted to save the {$20.00} per month charge for paper statements. She said, " oh no, '' I was " actually being charged {$50.00} per month '' by the bank : {$20.00} for the paper statements, and {$30.00} because the " balance is too low for the type of account you have. '' Never, at any time, was I told of any {$50.00} monthly bank charges! Believe me, had I known, I would have gone to the bank immediately to : 1 ) protest the excessive monthly charges, and 2 ) close my account. I told XXXX that my last several bank statements only showed a fee of " {$20.00} per month. '' I NEVER received any notification from Union Bank, at any time, of an additional {$30.00} per month fee due to a " low balance. '' XXXX said that I should visit my local Union Bank branch and ask for a " Banking by Design '' account, which, apparently, has lower monthly fees. 
I feel the bank is taking advantage of lower income customers by charging extra monthly fees for those with lower balances. These bank customers, including myself, are the ones who can least afford it.
Consumer complaint received 2016-03-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (TN)

I make my mortgage payments online. I always save a copy of the confirmation of my payment on my computer. For years now my mortgage company has delayed processing my payments by 2 or more days from when I requested the payments to be processed. Can my mortgage company charge me interest on these extra days?
Consumer complaint received 2016-10-19
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PRIMARY RESIDENTIAL MORTGAGE (MD)

XX/XX/XXXX, I contacted XXXX XXXX of Primary residential to see if there were refinancing options for my first home. However, after speaking with her she determined that they would not be able to refinance my home. I informed XXXX that was working with another mortgage company already to finance my home. However, she offered to help find me a loan product her company was offering for the home I was in the process of purchasing at the time. After going over a few loan products with XXXX that were not a great fit for me, she finally said she had found a XXXX loan product that her company had just started offering XX/XX/XXXX. XXXX sent a loan summary to me within about a week of mentioning this product to me. This loan summary looked amazing! It appeared that the loan product she was offering would save me about {$300.00} per month in comparison to the other mortgage company. After the loan summary was sent XXXX began to slowly respond to my text and phone calls. Eventually XXXX sent me a Loan estimate that was still looking good! My closing date was XX/XX/XXXX and it was approaching pretty fast. Two weeks prior to my closing date the appraisal had been completed and XXXX ensured me that we would meet my closing date. However, the week of my closing I called, texted and emailed XXXX and she was n't replying and I was not confident at this point that we would close on time. At the same time, do to lack of communication with XXXX the builders for my home were not trying to wait for me to get final approval from them because the other company I was working with had a final approval in enough time. Thank goodness I continued to work with the other company! I ended up contacting Primary Residential Mortgage to withdraw my application because I did not have any definitive date for close. The day before my closing I contacted the Branch Manager for Primary Residential and expressed my concerns. During my conversation with the Branch Manger it was discovered that XXXX had lied and never informed me that I was being approved for a XXXX loan. I told the Manager that XXXX has never disclosed that to me. After review of my file, the Manager acknowledged that XXXX did submit my loan as XXXX loan product and he apologized for the error and confusing. He advised me that I should continue with the other mortgage company because they were offering me XXXX % financing. This was a very stressful process and overwhelming considering for about 45 days I was under the impression I was getting a XXXX loan and saving money! The day after I closed, I did receive some flowers at my new home from Primary Residential congratulating me on my new home. However, I just felt like the company could 've did more for me monetarily since I was lied to and mislead into thinking I was saving money. This was a horrible experience overall!
Consumer complaint received 2016-11-18
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC. (GA)

I had a period of medical and financial hardship back between XXXX and XXXX of 2014, where I was late through that time period. I got caught up as quickly as I could, and have been on time ever since. Unfortunately, those late payments are now costing me thousands of dollars worth of higher interest rates. I have asked for a XXXX removal of those late payments, but Navient will not budge. I do not feel it is fair to continue to punish me for a period of time I had very little control over. All I am interested in is the removal of those late payments from my Credit Report so that I can move on with my life.
Consumer complaint received 2016-04-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NY)

In XXXX I transferred my mortgage to Chase with a balance of XXXX. In XXXX, I lost XXXX of my XXXX jobs and i was worried that I would not be able to make my mortgage payments. I contacted Chase for assistance, I was told that the only way for them to help is if i would miss 3 payments and fall behind on my payments which I did. They offered me a loan modification. I was told that I would have to accept this offer or I would lose my home and the offer was this : My interest rate did not change. It stayed at % 5.75. which was the same rate as of XXXX 
My monthly payments went up by {$50.00}. 
My principal amount went up by the amount of missed payments. 
And My maturity date changed from XXXX, which was the the date for the 30 year fixed mortgage to XXXX I have to pay and additional XXXX years of interest ... .. 
I am asking for help to resolve this matter. The Chase bank did not help me in my time of need. They took advantage of my bad situation and threatened me to take the " loan modification '' or my home would go into " foreclosure '' and I had no choice but to take the deal. Since then I have contacted Chase to help me with this matter but they insist that what they did was correct. 
I am XXXX years old and with this modified loan I will not be able to pay off my home. I most likely be dead by XXXX..Chase bank has taken advantage of my situation and has increased my loan repayment interest by XXXX years or XXXX additional payments in the name of helping the " customer '' or loan modification. I am not able to refinance my loan with a better rate and I have lost the opportunity to get a lower mortgage rate because of their actions. 
Please help me to regain a fair chance to own my home and not to continue paying all these extra interest payments. Thank you I have not missed a payment since the recommendation was made for me to fall behind my payments.
Consumer complaint received 2016-12-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (IL)

I have sent Experian XXXX certified letters asking them to verify that items being reported on my credit report be verified correctly under Section XXXX ( a ) ( XXXX ) ( A ) and Section XXXX ( a ) ( XXXX ) ( A ). They have also failed to provide the method of verification as required under XXXX XXXX XXXX a ) ( XXXX ). 
They continue to respond that the items listed have been verified yet ignore my requests to provide copies of original documents with my signature on them.