davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank of America froze my account in sometime in XX/XX/XXXX because it alleged that certain funds I received in my account did not belong to me. BOA told me over the phone it was investigating my account and never sent me any correspondence. I had received a {$10000.00} cash deposit from a family member to help purchase a car. After months of waiting for the resolution, BOA later closed my account which had an estimated balance between my checking and savings account of about $ XXXX and now said it was due to $ XXXX check paid into my account. I told them that no XXXX check was paid into my account that they should send me a copy of the check. BOA reported me to check systems and their action prevented me from being able to open other accounts with other banks. 
In XX/XX/XXXX, I called back again and demanded to speak to a supervisor and again explained my situation and asking what happened to my balance/refund, BOA now sent me a check of {$3400.00}. I told them this is less than my actual balance and told them to send me my bank statement as at the time the account was closed, BOA sent me blank statements and nothing showing any figures. 
I want the CFPB to please open an investigation into this case, was there a check really paid into my account, and if not help me get my money back from this bank, I want nothing to do with them in future. 
BOA is notorious for closing accounts even when it lacked the proof that a transaction is fraud. They tell you they have a right to close your account for any reason but if they can not prove any wrong doing which their was none in this time, they must issue a full refund.
Consumer complaint received 2017-02-16
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 Federal & Dept. of Education loans are being serviced by Navient. In making payments to them, I 've noticed I do n't have the ability to designate the allocation of the payment ( s ). Upon reading their allocation terms, I learned that they automatically & unilaterally allocate the entire payment to interest & fees FIRST, principal LAST. This stretches out the life of the loan artificially & takes away my individual right to decide how my money is used in servicing this extremely high debt. I understand there is a class-action lawsuit regarding this very issue & I would like to get more information on how to get involved. The universities I have this debt for attending are : XXXX University XXXX University XXXX.
Consumer complaint received 2015-08-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NC)

We financed our new home in XXXX 2015 with XXXX XXXX with reasonable assurance that our mortgage would n't be sold. In XXXX, JP Morgan acquired our loan and we began paying XXXX. I received notice today that XXXX XXXX Administration and Reporting will be our new servicer starting XXXX/XXXX/2015. That 's XXXX days notice and we only paid XXXX XXXX before our loan was sold. We have had bad experiences with mortgage servicers in the past who increased our mortgage payments greatly to cover escrow shortfalls through the year. It seems wrong that the owner of our mortgage can sell it every two months.
Consumer complaint received 2015-08-20
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NE)

I sent certified mail on XXXX XXXX, 2015 a letter requesting Portfolio Recovery Associates , LLC to send me the original documentation on a debt they are trying to collect. They were unable to provide me with the requested information. They sent me a letter stating that they reviewed their records and they deny their records are inaccurate with out sending me the original documents which I requested them to and am entitled to under the Fair Debt Collection Practices Act.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2015-08-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

XX/XX/XXXX, I contacted Santander CSR around the Holidays last year to explain that I would not have internet and so I would be making a double payment in XX/XX/XXXX to cover both XX/XX/XXXX and XX/XX/XXXX. I was advised that it would not jeopardize my account. I made that double payment and they did not apply one payment towards XX/XX/XXXX so, from that point it looked like i was 30 days late each and every month. On top of that, auto bill pay from XXXX sends XXXX the payment a week prior to due date and still the payment is getting posted. Their CSR person told me that they do this purposefully to encourage customers to use online autopay or pay via web which incurs almost {$13.00} charge per online payment. I keep getting funneled to people within Santander who give me conflicting information. Ultimately, I want them to make good on their word, retract the 30 day late reporting from XX/XX/XXXX up to date XX/XX/XXXX. They are negatively and inaccurately reporting based on their dysfunctional customer service and supervisors who do not do what they say and misguide their customers. Several times I called in to update my address as the company was mailing statements to an address that I lived at 9 years ago so I was making blind payments based on the fact that they NEVER did their job and updated info. I just recently and FINALLY got the help i needed to gain online entry.
Consumer complaint received 2016-09-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (AZ)

My Vehicle was Reposed Due to my Late payments and a Botched agreement with my Finance Company Santander. 
When the Vehicle was Reposed by a Contracted Truck Company that is when the Problem Occurred. I was Assaulted by the Truck Driver and Damage was Done to my Vehicle in the amount of $ XXXX {$8000.00} to the Side Passenger Side Door Panel ( Exterior ). 
Which resulted in the Police being Called by Me and a Police Report Filed and Charges being Brought up on the Truck Driver. The Company ( XXXX XXXX ) of Arizona. 
Police Report # XXXX From the XXXX, Arizona Police. 
This Incident Resulted in me Losing My Job ; Because the Incident took Place at my Employers Parking Lot. There is a No Tow Truck Zone Filed with the State of Arizona for My Previous Employer 's Parking Lot. So, The Tow Truck was there on the Property & Premises against A Written & Filed Order. 
On the 2nd Repo My vehicle was Damaged in the Interior Driver Side Arm Rest attached to the Driver Door as well as Theft of my Belongings. 
List of Belong 's : 1. XXXX ( XXXX ) 2. XXXX XXXX 3. XXXX 4. XXXX 5. XXXX XXXX 6. XXXX XXXX 's 7. XXXX The situation with the License Plates Has caused me to be pulled over by the Police on XXXX Occasions and Ticketed on ( XXXX ) Occasion. 
Causing Issues to my Life and way of Living. Stated Below Pain & Suffering * School Work not being Completed ( Due to Stolen XXXX ) * Lack of Job Search & Employment Retention ( Due to Stolen XXXX ) * XXXX ( 2 ) Piece Special Order for a XXXX I 'm apart of & Paid to be a Member of ( Loss Wages ) {$400.00} XXXX @ XXXX XXXX Missed ; Due to XXXX. {$1200.00} Loss * XXXX having to be reordered thru the state of Minnesota {$10.00}
Consumer complaint received 2017-03-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation (MD)

I have had this AVANT account since XX/XX/XXXX. The terms have changed several times and out of XXXX paid, only XXXX has beeb paid towards interest. 

I made a settlement with AVANT and paid it XX/XX/XXXX. i paid {$500.00} to settle the account. I received a settlement confirmation and close of account letter from AVANT. I am still receiving statements and bills from AVANT.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I do not condone the use of other peoples addresses, names and phone numbers for personal monetary gain. XXXX, Transunion, and XXXX are committing serious privacy violations against the people who have these addresses, names, and phone numbers. XXXX, Transunion, and XXXX must be fair and impartial and make sure my non-public personal information is accurate and other peoples nonpublic personal information is removed by correcting consumer reports and consumer files. 

REMOVE ALL NONMAILABLE ADDRESSES ( 39 USC 3001 ). 

I ONLY HAVE ONE ADDRESS. REMOVE INACCURATE ADDRESSES THAT BELONG TO OTHER PEOPLE. 

I ONLY HAVE ONE NAME. REMOVE INACCURATE NAMES : I ONLY HAVE ONE PHONE NUMBER. REMOVE INACCURATE PHONE NUMBERS I ONLY HAVE ONE EMAIL ADDRESS. REMOVE INACCURATE EMAIL ADDRESSES :
Consumer complaint received 2016-09-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (WA)

We received our annual escrow account disclosure statement from Freedom Mortgage on XXXX/XXXX/2016. They said we have an escrow shortage of {$1400.00}. In looking at the escrow account history we were confused by the way payments were going in and out of our account and why we started off with a negative balance. Our loan was bought out from First Mortgage Corp in XXXX At that time we were informed all escrow was in order during our previous statement. Things started to go wrong with our new company in XXXX with XXXX mortgage payments coming out within 2 days of each other causing issues with our checking account. In researching our escrow history we see our homeowners insure getting paid twice then credited back. XXXX XXXX taxes that had been paid by previous lender were double paid, then credited back and went in and out of our account 6 times! No one at Freedom Mortgage could explain why this happened. In following the trail we believe our account is negative by XXXX of XXXX XXXX tax payments that was taken out multiple times never getting credited back into escrow. Were were told this shortage was an increase in taxes which we knew was a lie because we have XXXX XXXX tax records and it only went up {$260.00} for the entire year. We have been on the phone for a documented 9 hours going around and around with people from Freedom Mortgage who ca n't show us where the money has gone. They are now blaming the old company. We will pay any money that is due, but it needs to be clearly shown to us why. The accounting from escrow account history just does n't make sense, and if our taxes only changed {$260.00} how are we short {$1400.00}. What bothers us is that no one in this company can show us the paperwork. We are making our house payments, but are not including the prorated escrow shortage amount until this get explained to us. We have never been late and are worried this will affect our credit and will accumulate late fees on that amount.
Consumer complaint received 2016-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (MA)

One two separate occasions XXXX and XXXX my escrow payment increased. These increases caused my payment to have shortages. 
XXXX Issue : When this happened in XXXX I sent in the shortage amount and it was received before XXXX, but the offices were closed for the XXXX holiday and not credited to my account. This triggered a computerized non-payment ( 30 days past due ) process, because it was not in the full amount. All XXXX of the major credit bureaus were given negative 30 days past due remarks. I eventually got a supervisor from Freedom Mortgage to fix the problem and sent me a letter that the credit bureaus were notified to remove the negative remarks. Fast forward to XXXX and the XXXX 30 days past due is still there. I only noticed because once again something similar occurred. 

XXXX : Similar situation, escrow increase, I adjusted my scheduled payment for the wrong month. I did n't realize anything was wrong until I got the financial hardship paperwork, I was confused since I made all my payments. I called them immediately and they said I was short on a payment ( {$120.00} ) and they did not credit any of my payment. I was told it would not be marked late if sent in the shortage right away. I did this and obviously that was not good enough and I was marked 30 days past due ( even though they assured me I would n't get marked late with credit bureaus ), then I got hit for 31-59 days past due because they were just holding 2 months worth of payments and not crediting my account. I spoke CS everyday Mon-Fri during the month of XXXX. I was sincerely trying to deal with this problem, I even sent in the shortage amount again during the month of XXXX, which seems to be an over payment. I waited the entire Month of XXXX to get in touch with a supervisor, calling every other day with no luck. They called my house phone once while I was work even though I specified them to call my mobile number. For the last 2 weeks in XXXX, I never got a call back from a supervisor to address these issues. I was told it would take 2-3 business days by a CS rep eventually, but that never happened. There 's no way to call back a supervisor and every CS rep has a different supervisor so you have to go through the front line ( and the long process ) every time you call in and hope that a supervisor is available ( never ), or will actually call you back ( not likely ).
Consumer complaint received 2017-02-16
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I was supposed to receive XXXX free miles from my XXXX Mileage Plan credit card. Bank of America ( BofA ) denied me from having these free miles because I did not spend over a thousand dollars within three months. I had spoke to different people from Bank of America within those months, and they had stated to me that I had spent over a thousand dollars. They also stated to me that they would look into my account to see about a line of credit increase, and they never did. Today I had employees and supervisors mock me on how I spoke. They tried to belittle me by yelling at me and stating that I need to do a better job of reading my contract. The last person that I spoke to laughed at me when I tried to explained to him the seriousness of this problem, and he would not hangup so I can use my phone. When I tried to talk to him he would not say anything but I can hear him breathing.
Consumer complaint received 2017-03-02
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I applied and closed a XXXX loan with Bank of America in XXXX XXXX. I rescinded that loan within the 3 day period allotted. Bank of America recognizes that I refused the loan but they still sent a Deed of Trust on my property. I have contacted, several times, the post-mortgage department responsible for the Deed of Trust but no one will contact me regarding whether the deed was recorded or not. I 've left messages and talked personally to their agents and was promised a status within 24 hours. My calls do not get returned, nor promised email sent. I just want to know that this deed of trust was NOT recorded against my property. I consider this unprofessional and inconsiderate and it leaves me hanging whether the deed was in fact invoked even though I DO NOT have a loan with this bank.
Consumer complaint received 2016-05-27
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I asked yesterday for Bank of America ML to make payments to XXXX credit cards ( XXXX and XXXX ) for {$500.00}. They show as being process in my on-line bill pay system on XX/XX/XXXX and yet they do n't show up on XX/XX/XXXX in either my account balance or account history. As such, these payments are not accurate reflecting my account balance and may over draft my account nor are they showing up as pending. I have overdraft protection but this payment to a bank card within a bank system is extremely misleading. Bank of America requests that customers use on line bill pay for services and ease of balance tracking. Please advise as to how BAML will create a system that accurately reflects all transactions made with bill pay and are accurately reflected in account history and pending transactions.
Consumer complaint received 2016-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MA)

In XXXX 2015 I spoke with a representative from Navient, and decided to increase my monthly payments to decrease the time I will be paying them back. I just got a notice that Navient changed my terms, and they decreased my monthly payment ( which increased the length of time I 'd be paying them back by 15 months ). I called Navient. The representative told me that " Navient had reviewed the original terms of the loan and adjusted them. '' This was without my request. What if I had n't been paying attention? How many people are paying attention? This seems like such a slimy move, a way to enslave people with student loans for longer. Perhaps reading this people would think oh good, I can pay less a month, and not Oh no, I 'll be paying for longer ...
Consumer complaint received 2017-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MD)

I had been in the process of obtaining an income-based repayment option from Navient, the company which services my student loans. In early XXXX, In order to allow me time to complete the necessary forms, Navient put my loans in forbearance until XXXX XXXX. However, as of Monday, XXXX XXXX, I was informed that my loan repayment date was moved up to XXXX XXXX. I called Navient on XXXX XXXX and explained that my financial situation did not permit me to begin repaying my loans within three weeks. I requested that the original date of XXXX XXXX be reinstated. They refused, stating that I had no time left for forbearance. This simply does n't add up as XXXX XXXX was originally the end date of my forbearance. I believe that Navient deliberately misled and even lied to me. They indicated that had I waited later to submit the income-driven repayment paperwork, I would have been able to begin repaying my loan on XXXX XXXX as originally agreed. Clearly Navient is incapable of keeping their word as to when repayment should commence. Had I known that I would be given such shoddy treatment, I would have delayed submitting my paperwork until the last minute. XXXX XXXX was always an option. Changing my repayment start date is capricious and arbitrary. I 've NEVER seen this occur with a credit card, bank loan, or any other installment plan. This feels borderline criminal.
Consumer complaint received 2015-08-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: National Education Servicing, LLC (MA)

I am a XXXX currently in my last year of XXXX. I have student loans with XXXX companies, FedLoan ( ~ $ XXXXcurrently in forbearance ) and National Education . I have been able to defer/forebear my loans during my training, as a XXXX is not sufficient to make payments while supporting my wife and child. They have requested several forms over the past two months, of which i have sent to them and they have continued to reject. My loans are in delinquency currently and they have been unwilling to budge on their stance. I have explained to them that I will only need to defer payments until after XXXX of 2016 at which time I will be employed as an XXXX and my income will be substantial enough to pay off the entire {$25000.00} balance with XXXX XXXX within a few months. They have requested on separate occasions, and subsequently rejected, a copy of my fellowship contract, a letter from my program director, as well as a letter from XXXX stating the status of my Federal loans. During the period of obtaining these documents, and them being rejected, they have begun charging late fees. It seems that their strategy MAY be to make it as difficult as possible to defer loan payments so they can bill a late fee and continue to reject documents they specificaly request in order to force a payment. I am not trying to skirt payments on my loans. I just need to feed my family until XX/XX/XXXX on my XXXX. after which I will certainly be finacially secure enough to pay off the loan in a very short time. 

Thank you
Consumer complaint received 2016-05-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed the creditors information on my account, because the payment amount, balance, and last payment was reporting on trans-union incorrectly. Instead of receiving the information updated to show the correct terms of payment amount XXXX, balance XXXX, and last payment received XXXX/XXXX/16. Trans union took my auto loan off off my credit report and listed it as discharged CHXXXX BK. This account was reaffirmed in the CHXXXX, and has been reporting correctly until XXXX/XXXX/16 where it was wiped off my credit report completely. I have attached the credit report showing the error attached, and have also attached the Reaffirmation document for XXXX XXXX XXXX, showing the correct payment that it should be, my account is active and i am current. This also has caused my credit score to show that i have derogatory account on my name.
Consumer complaint received 2016-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I did a dispute two weeks ago as well as last week regarding creditor XXXX XXXX advising that the status was showing to be under the incorrect status of ''Open '' and not closed. I received the update to my credit report on XXXX/XXXX/16, but since then the credit reporting agency has placed this account back on my credit report as of XXXX/XXXX/16 & XXXX/XXXX/16 as open. This account should reflect in the paid status as before listed on the attachment stating ''Equifax report XXXX on XXXX/XXXX/16. This has caused several plummets to my credit-score due to this account looks like the account is still open and active I have attached the credit report for XXXX/XXXX/16 showing the now ''incorrect status '' and the XXXX/XXXX/16 report showing what the report was and should be for this creditor and appearing incorrectly now. I have also attached a phone conversation between myself and equifax management advising me on XXXX/XXXX/16 that this matter had been completed but it has not been completed and report is showing updated with the same information as before.