davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (OH)

I graduated in 2010 and could not find a job in my field right away and could not afford the payments with XXXX, then my loans were transferred to Navient. With Navient I got a new billing system and a new website and they put me at I wanted to make payments but was told I could just go into forbearances until I was able to pay the amounts. I wanted to make payments but simply could n't afford the rates they wanted so I went into forbearance multiple times. I recently had a discussion with a co worked who has student loans through Navient and she had the same complaints I did and expressed the same feeling of never being able to pay them off. I am finally at a job where I am getting a steady income and now I am paying as much as I can. I then had an issue where the company I work for could not pay me on time so I wanted to make a payment but was n't sure when it would withdraw. The lady I spoke to recommended a short forbearance and mentioned that the principle would go up. still. This is the first time I can ever recollect being informed of this. I then got to looking and noticed that yes even though I am paying $ XXXX a month my overall balance is only going down maybe {$4.00} a month. If I had known before that my principle would still go up I would have found another way to pay ( like I wanted too ) instead of going into forbearance so many times like they recommended. I work XXXX hours a week and want to pay my debt off but it seems impossible at this point and I do not understand why a company would work against people who are trying their hardest to pay their loans off.
Consumer complaint received 2016-08-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

Hello : My name is XXXX XXXX ; I live at XXXX, ME XXXX. My phone # is XXXX. My complaint is against Bank of America, who holds a mortgage on my condominium. BOA failed to pay my real estate taxes to the city of XXXX, which resulted in lien on my property. When I was first notified by the city about the pending lien, I called and spoke to a BOA representative who instructed me to send a cover letter with the notice from the city to BOA, and they would rectify the matter. I went to the local branch and did so, and was assured that the payment would be made. It was made, but after the due date, and thus the lien. I then spoke again to BOA representatives on couple of different occasions to see if I could procure documentation stating that BOA was at fault in not paying the taxes. My concern is that having a lien on my property, even though it has now been resolved, will reflect poorly on my credit ratings. The city is not reporting the lien, nor is BOA, but I 'm told there will still be a record of the action in my credit report. In short, this is likely to cost me interest points should I take out a loan for a major purchase such as a car or real estate. BOA can not provide documentation saying they failed to make the payment on time ; the burden is on me to contest the credit report should the lien show up, but without documentation stating what happened. This is irresponsible on the part of BOA, and it is extremely frustrating to be brushed off with boiler plate language used by the customer service representatives. " We are sorry XXXX XXXX ; we understand your concern, but there is nothing we can do because we did n't report the lien to the credit bureaus. '' I 'm not convinced this gap in payment wo n't happen again or that it is not happening to others. Can anything be done to put pressure on BOA to provide better and more professional service and to send some form of documentation that will help me corroborate my case should I need to contest the lien with the credit bureaus? 

Thank you. XXXX XXXX
Consumer complaint received 2016-12-22
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX Wells Fargo & myself settled on a short sale for my then rental property. I am filing a complaint because of their unprofessional, underhanded & unethical business practices from the beginning of the process even up to now ; and they also handled the process with a lack of integrity. I am very upset that they forced me to sign a waiver to keep my escrow money, prior to explaining or putting in writing how everything would be handled. And if l would n't have signed if they would n't have approved the short sale. Then they waited until after settlement with XXXX verbal excuses in addition to the initial reason as to why l ca n't have my money. It was when I began to complain on many recorded conversations with them after they informed me verbally that the mortgage insurance will take care of any deficiency and XXXX ( form ) monies that l would have been responsible for on the shortage. l have no final figures in writing & l just do n't know what it is they are doing. Now l 'm told by Hud that since we settled the file is closed & they ca n't assist me. The mortgage insurance dept also told me that they could n't assist me & that it 's not clear to them why after settlement W.F. has a mtg insurance on my behalf from XX/XX/XXXX, being applied to XX/XX/XXXX per their records. I asked XXXX. since the mtg ins is taking care of the losses why are they keeping my escrow money as if they are the IRS. I 've spoken to XXXX different people within the last week and a half from XXXX, & I 'm still waiting for an explanation. No one ever seems to know what the other XXXX is doing. Just like when they kept giving my realtor & myself the run around. They added more stress to my life making me a nervous reck. The XXXX reasons to keep the escrow was because l stopped paying the mortgage. Well l only had XXXX tenant & others bills to pay. Then after settlement XXXX more reasons ... ( 1 ) there was an escrow shortage. I told them it was n't short because it was for XX/XX/XXXX. ( 2 ) They claimed they were in the arrears & had n't paid the ins or taxes. I told them how & why l know that was inaccurate. ( 3 ) They used the waiver against me. I told them they underhandedly forced me to sign it. Then they went back to, because l stopped paying the mortgage. So l told them since the insurance was handling it that they 're double dipping. They also gave me a payoff amount, but when they recorded on my credit report they gave a different amount. I have nothing in writing as to how the numbers were finalized. Meaning balance on mortgage, buyer 's cost, deficiency, etc. Please help me to releive this stress, because stress can kill a person. It is not clear to me what mortgage process this relates to below. I hope I checked the correct XXXX. Also please understand this was a hardship for me and l am retired now after working close to XXXX years. 
Thank you
Consumer complaint received 2016-12-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Today XXXX XXXX I received my updated credit report from TransUnion stating that new information was updated on my credit report with XXXX XXXX XXXX acct # XXXX. I see no changes to this account nor my report. I disputed this account over and over again TransUnion seems to be the only XXXX reporting this account XXXX has removed this account due to the inaccuratcy that this company has displayed over the 5 years and XXXX investigation is due to be concluded by Satuurday XXXX XXXX company has n't responded to their dispute as of yet. Please help me to get this issue resolved. Please find that I have included my TransUnion Report, XXXX removal of this account.
Consumer complaint received 2016-12-22
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I had a Capital One Bank Account for several years. I opened a standard checking account for my military direct deposit. Two years after opening the account I got XXXX to XXXX from XXXX to XXXX. While overseas I had my direct deposit changed from my Capital One account to a more interest earning account with a different financial institution. I left my capital one account still open with a balance of {$1600.00}. Several months after returning from overseas I discovered that my account information was compromised somehow and over drafted - {$570.00} and closed. I attempted to notify the bank that there had been fraudulent transactions that took place and they stated my card was used and transactions brought my balance to - {$70.00}. The other {$500.00} was overdraft fees. They then refused to commit a proper investigation because i was too late to report. I notified capital one that I was overseas and had all paperwork INCLUDING my military orders that sent me to XXXX while transactions from multiple states in the US were taking place but they seemed to not understand to the military community. They have since then ruined my XXXX record and as a result am unable to open a bank account with any bank.
Consumer complaint received 2016-08-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc (AZ)

I made an agreement to pay a debt, to Ad Astra, with an initial balance of {$850.00}. Now the collection company say the initial balance was XXXX. I have made XXXX payments since XXXX 2016, each receipt was miss posted at the original company, XXXX. After each payment posted I called Ad Astra, they said the payments posted correctly on their end. All was fine until XXXX XXXX, 2016. That is when they told me my initial balance was {$1200.00} and they did not want to send the recorded call of when the agreement was made. I have emails from XXXX showing the initial balance.
Consumer complaint received 2016-12-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Resurgent Capital Services L.P. (CA)

Recently I contacted the XXXX credit bureaus XXXX, XXXX, XXXX requesting my annual credit report and I realize that the company named PINNACLE LLC / RESURGENT with address XXXX XXXX XXXX, XXXX, SC XXXX with telephone number ( XXXX ) XXXX. And I realized that this company is trying to collect XXXX dollars in the name of XXXX XXXX. Where I at no time authorize XXXX XXXX to share my personal information such as my social security, my date of birth and my first name and my last name with any collection company including PINNACLE XXXX Therefore I need PINNACLE LLC / RESURGENT to erase my information from their records and stop trying to collect the amount of XXXX since I never sign any contract with them where I authorized them to have my personal data to satisfy its business. Therefore and others I demand this company remove my data from their files, so that I do not have to see the obligation to take legal action, since in the past I was a victim of identity theft
Consumer complaint received 2016-12-22
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CO)

Reference : XXXX Complaint against Chase Bank Credit Card services. 
My complain is against the XXXX procedures. All your announcements indicate you are totally dedicated to support and protect the public. In my case number listed above that was not the case and proved that the BCFP was in league with the Chase Bank against me. 
I made a complaint against Chase Bank. Details are provided in my complaint. My complaint was passed to the Chase bank who responded. I was sent the response and made a rebutall that had significant information to contradict the Bank statement. In the meantime the XXXX stated the case was closed and my rebutall could not be forwarded to the Chase Bank. That is not in the interest of the public ( Complaintant ) but protects the Chase Bank. This process needs to be changed. I also ask for a review of how my case was handled by BCFP staff. My rebutall needs to be sent to Chase Bank. Basically deducted {$79.00} per year since XX/XX/2004 for a total of about {$1000.00}. without my aithoroty to make that deduction. My rebutall tells why Chase Bank is at fault.
Consumer complaint received 2016-08-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivable Solutions Specialist, Inc. (CO)

account # XXXX I have contacted Receivable Solution account # XXXX. I have provided them my legal name and social ending in XXXX, birth date XXXX. They can not give me any more information due to fact that my social and birth date does not match, but this still show up on my XXXX credit report, debt does not belong to me. 

Phone # XXXX
Consumer complaint received 2016-08-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XXXX XXXX, 2015 someone fraudulently opened a credit card account with Capital One in my name. The good news is that Capital One realized it was fraudulent and called me to confirm that I had not submitted the application before they sent out the cards, and they immediately closed the account. The bad news is they still have not removed the credit inquiries from my credit reports. The hard pull shows on both my XXXX and XXXX credit reports, and negatively impacts my credit score. Every time I call Capital One ( 4 times so far ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) they tell me " it 's in the process of being removed. '' It 's ridiculous that it has taking over 9 months to remove the inquiries from my credit report.
Consumer complaint received 2016-03-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (GA)

My wife and I have been pursuing a short sale on a house we own. The interest-only period adjusted on our property, and we can no longer afford the mortgage. The value of the house has depreciated to the point that it is not worth near what we owe on the house. We started the process in XXXX XXXX. We have a buyer who is willing to pay the full amount our real estate representatives calculated was a fair market price. After having all the paperwork together and all financing prepared by buyer, the mortgage changed hands from XXXX to SLS. After resubmitting everything and being very diligent with the paperwork, the closing date was moved three more times by SLS because they were not ready. This caused my buyer to re-secure financing because her original agreement expired. More inspections and appraisals followed until everything was ready by the buyer and, we assumed, SLS. On Monday, XXXX XXXX, XXXX, SLS informed me that my short sale had been rejected by the PMI provider. My real estate attourneys informed me that I needed to file an appeal. I contacted the PMI provider, XXXX XXXX, and they informed me that they did not reject the short sale, they actually accepted it with an {$8200.00} promissary. I contacted SLS about this and they did not have any record of this on file. After contacting XXXX again, and talking to another representative, they confirmed that they talked to an SLS rep named XXXX XXXX and told her that they accepted the offer with the {$8200.00} promissary. Rather than recording this offer, SLS closed out my short sale file Monday morning. This is not acting in my best interest. I would have been very receptive to this offer rather than having to start the whole short sale process over again. My buyer has been waiting around for over 8 months now, and I am in danger of them just walking away. This would result in me probably losing the house to foreclosure. At this point, we are desperate for help. SLS is not doing what the government says the lenders should to provide foreclosure alternatives to us homeowners. They had a good offer that they refused to notify me about.
Consumer complaint received 2016-12-22
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: FIRST NATIONAL BANK OF OMAHA (AZ)

the bank i use for my online billpayments charged me a fee in error, i had more than enough money available at the start of the day and had more money deposited on the day of the payment on top of it, yet for some inexplicable reason they charged me a {$33.00} fee and appeared to show that the payment request i submitted had failed. i called my bank to discuss this, they told me on a recorded call that the payment had failed and i needed to submit another request for the payment, they also refunded my fee. i then submitted another payment request per their instructions, the next day my second payment request was sent and the XXXX XXXX was re-attempted. this caused another NSF fee and ultimately for XXXX of the XXXX payments to be returned from my payee ( a credit card company that then charged me a fee for the returned item, they did refund the fee but of course i had to call and spend additional time dealing with that issue all thanks to my bank giving me the wrong instructions on what to do ). In total i spent over 4 hours on the phone with my bank over this issue in XXXX. Meanwhile i moved most of my money into my local credit union account because i felt i could n't trust my online bank to not XXXX while they were adjusting my fees. now 3 weeks later they have charged me for XXXX additional {$33.00} fees and refunded XXXX of them. The XXXX fees are allegedly over a billpay item that does n't appear in the account transaction summary as scheduled, pending, delivered, anything. I finally asked them to close my account and give me my money back but they said they want money from me to cover the bogus fee ( # XXXX now, just so its clear ; XXXX bogus fees they 've assessed in less than 2 months ) before they will close my account. I always had enough $ in the account to cover the initial payment that started this whole mess, they never once explained why charged me a fee in the first place, they just waived it and told me they were sorry and i had to schedule another billpayment. From then its only gotten worse and they 've accepted less and less responsibility and made me have to jump through more and more hoops just to get them to give me back my $ that they never had a right to take int he first place. Please make them prove that my account was ever overdrawn by anything other than the fees that they charged me.
Consumer complaint received 2016-12-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I disputed the XXXX Bank account reporting in my credit report on XXXX XXXX, 2016 through XXXX XXXX. The 30 day period for investigation was over on XXXX XXXX, 2016 and I have received no verification of the account and it is still showing a investigation in progress report.
Consumer complaint received 2016-12-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (GA)

I signed up for XXXX cable and internet service, but was immediately dissatisfied with the service. I used their online chat to cancel my account within the first 30 days of service. I have a saved, time-stamped chat log confirming the account was closed. I then returned all XXXX equipment the very next day, which was also within the first 30 days of service. I have a dated receipt from the local XXXX office showing the exact serial numbers of all equipment returned. XXXX 's 30 day money-back guarantee entitled me to cancel the new account and owe nothing. However, XXXX apparently sold this false debt to Diversified Consultants. I provided all proof of cancellation and equipment return receipts to Diversified Consultants but they refuse to remove the derogatory remark from my credit report.
Consumer complaint received 2016-12-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I contacted Citizens Bank Of MA in regards to XXXX overdraft fees that were issued to my account that I would like waived, I check my account every day ( sometimes twice ; morning and XXXX ) and the transactions were not posted. ( Previously I was instructed if my account was ever to go into the negative as long as the money was transferred the same day then I would n't incur a fee. The next day when I checked my account and saw it was in the negative, I immediately transferred the necessary funds. After calling the bank and speaking to a supervisor, who told me that sometimes charges post overnight they still are not responsible to give me back the XXXX {$35.00} overdraft fees because the dates that is shown for the posted transactions and the next morning transfers are different. In addition, to the supervisor being very curt while indirectly admitting his bank post transactions after business hours which led to false overdraft charges that did n't post until 2 days later.
Consumer complaint received 2016-12-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY ()

yet again have diputed what wells fargo have not complied to do, over XXXX complaints against wells fargo bank fraudulent forclosure XXXX to XXXX every time i diput because they havnt answered my questions now iam in the process of hiring a atterney to sue wells fargo for fraud and perjury committed in all courts around america from XX/XX/XXXX concurrant the CFPB have done nothing for me or all the other fradulent forclosures and i have all the originall paperform letters and documants no matter how long it takes i will prove that wells fargo committed fraud and perjury
Consumer complaint received 2016-11-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

For 2 months the Ocwen said they did not receive our payments. I told them we had sent them by mail, as usual. They made me beg for 1.5 hours and XXXX different people in order to get the late fee waived. Then they found our checks and cashed them without telling us. Now we have paid payments ahead for 2 months, because they found the checks. Now we need that money to pay taxes, but they have already credited it to our account. 
Also, the rate changed in XX/XX/XXXX but the payment coupon did not. They charged us the additional amount, but they show it on the statement as a fee, not principle and interest.
Consumer complaint received 2016-12-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CMRE Financial Services, Inc. (CA)

I have been called several times from a place called CRME for various medical bills that have never even gone to collections. 
Caller ID shows up as a local number XXXX. Automated voicemail gave # XXXX. I called back and the girl that answered stated I owe medical bills from 2014. ( Which I do not owe ) She was very rude and wanted to argue. I told her to call the doctor 's office that she is so called representing and send me something in the mail documenting this because I have never received anything at my home address about any bills. ( I have lived there for 8 years ) She wanted my credit card number and I would n't give it. I told her to send me documentation in the mail and she hung up. 
I tried to go on their website to pull up the so called account # they were referring to and it directed me straight to a payment page where I had to enter a credit card. There is no way to pull up any info without inputting your credit card number. I did not do of course. 
My identity was stolen at the beginning of this year and I am still trying to clear the mess because of these scammers. I am so tired of these losers stealing from people..