davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-12
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have a XXXX mortgage with BOA. I have been paying on it over 10 years. I have never missed a payment. I monitor my credit report for it is important to me to keep my credit status in good standing. It was not until I received a notification from the credit bureaus that I realized BOA reported to the bureaus that my account was late on payment. My credit score dropped a significant number of points for this reason. I checked my bank account and the payment was made on time. I called BOA and they said it arrived in time but was short about {$54.00}. I was upset and mentioned that BOA has then misreported what actually occurred to the credit bureau. It was not late. I disputed the transaction with the credit bureau as well as with BOA and BOA will not remove the negative reporting. What had occurred was the interest rate changed so the amount of the monthly amount increased. What is so ironic is the payment use to be approx $ XXXX-XXXX a month for 10 years and now XXXX. I never received a kudo on my credit report when I sent in XXXX or more in the past but as soon as it was short they were quick to report that without notifying me. Overall my complaint is I explained why the payment was short ( I had no knowledge of after 10 years of paying on this XXXX that the amount had increased. I go into my bill pay and plug in the same amount for years. But to report to the credit bureaus that the payment was late was inaccurate, incorrect and false. The payment was made on time!
Consumer complaint received 2017-01-31
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

For a very long period of time, years in fact I was unable to pay my monthly student loan payments. Several times I had called the lender XXXX/Navient in an effort to have my payments lowered. There were times initially that they mentioned I could just pay the interest amount on my loan, but even that amount was too high. There were also several times where I would present all of my living expenses to them to show what my monthly income was, and I was told that I made too much money and that my loan had to be placed in forbearance so I did n't make payments on it. These actions ultimately raised my interest amount on the loan. It was n't until recently in the last year that I was able to set up my loan on auto pay from my account monthly after several years of trying to lower my payment. Only now is my income substantial to make these payments.
Consumer complaint received 2016-11-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: CITIBANK, N.A. (CA)

Citibank is reporting late payments on my credit report on accounts that were never late. There are several of these reports and when I asked them to validate these accounts since they were never late and they refused to correct the reporting, they failed to validate the account. When I asked them to remove the inaccurate reports, they just sent a letter asking for me to send them my credit reports instead of correcting what THEY are inaccurately reporting.
Consumer complaint received 2016-11-25
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (FL)

Closed account XX/XX/XXXX card cut up because rep with a foreign accent wanted me to send copies of drivers license and social security card which Im not going to do. Never had a credit card company ask me for this and fear this may cause identity theft. My credit union rep issued a certified bank check XX/XX/XXXX to pay off the entire balance on my statement which was received on XX/XX/XXXX by Citicards. They claim it was returned by bank which is ridiculous because XXXX other like checks cleared just fine. On XX/XX/XXXX they called and wanted the bank checks routing # and account # off check to process and they claim it failed to process again. Note this was not paid on my personal check but on a certified bank check I called my bank rep and she said they would need the physical check they mailed back to void and reissue funds another way. I have let XXXX citicard reps know this but they keep calling and harassing me. My bank rep XXXX tried to contact citicards to get it paid but they told her they ca n't discuss my account with her. This better not affect my credit rating as we have in good faith paid the entire balance as of XX/XX/XXXX well before the due date. This is ridiculous and a tremendous inconvenience and waste of time for all. I have all documentation attached to back this up including a copy of the original certified bank check, statements and emails with my credit union rep. This kind of activity where credit card companys have free reign is why so many americans have bad credit when they should not. I appreciate your help in getting this matter resolved quickly so we can move on
Consumer complaint received 2016-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (AZ)

When attempting to make an advance payment to reduce debt more quickly than required, NelNet applies the overpayment to all of my loans proportionally, rather than providing me an option of which loan to apply the payment to or automatically applying the payment to my highest interest rate loans. The net result is that I am unable to pay down the balance of specific ( higher interest ) balances and NelNet then charges me a higher, blended effective rate. Since this is a function of their portal, they 've clearly specifically designed their tool to deny consumers the ability to pay higher interest rate loans off faster than their lower interest rates.
Consumer complaint received 2016-09-12
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY (UT)

TDAutoFinance and another company that they employ call me 3 times a day to collect an overdue payment. I have already told one of their representatives that I would be able to make a payment for 15ish days, yet they continue to call me 3 times daily. I consider this to be a very XXXX tactic and I am considering permanently blocking all their numbers ...
Consumer complaint received 2016-11-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

A wire was initiated by myself to a customer at Bank of America on XXXX XXXX, 2016 for {$20000.00}. The account was not able to accept the wired funds. I was notified the next day that the account could not accept the wire, and XXXX told me to just do a recall request to retrieve the funds. I paid the fee for the recall. I have tried to contact Bank of America, but they will not speak to me. The BofA Customer has taken the wire details and the XXXX number into her BofA bank in XXXX to request that they return my money since it was never deposited into her account, but Bank of America is refusing to return the undelivered funds back to my XXXX account from which the funds were sent. The only update that has been seen was XXXX XXXX, 2016 which said that the request was under investigation. No update has been added since that date. XXXX wire department has reached out to Bank of America multiple times unsuccessfully to understand why a recall process that takes only 2-3 days has not been completed. XXXX recall requests from XXXX have been requested in total and as of XXXX XXXX, 2016, no funds from Bank of America have been returned to me. Bank of America has essentially stolen {$20000.00} of my money and will not return it to me. The XXXX reference number is has been provided for the return recall. The XXXX branch manager in XXXX where my account and the wire was initiated from, has tried repeated to assist me, but has been unsuccessful. The lack of my funds has created a severe financial burden on me and has negatively impacted my ability to pay my bills now.
Consumer complaint received 2016-09-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Over ( 7 ) years ago, I was an account holder with Bank of America. During said time I rented a vehicle from XXXX and paid for the car rental weekly. During said time, while traveling out of town to visit friends in South Carolina, a tire came of the resulting in a dangerous situation/accident. During which time, I did contact the rental company and notify them of the incident. My bank account was closed as a result. The XXXX rental alleged that I owed them for the vehicle, when I had insurance. They sued bank of America for the funds and they claimed to never have collected on this rental. To date I am unable to open a bank account with any bank based on incorrect information presented to the bank. I would like my rights to open an account with a lending institutions/bank restored. Including my car rental privileged.
Consumer complaint received 2016-11-28
Product: Prepaid card — Other special purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (FL)

Use the cared for a stay at XXXX hotels on Wednesday XXXX XXXX 2016. This was a one nite stay of {$100.00}. During the stay a problem occured that prompted the hotel to refund the amount of the stay for that night. On the XXXX of XXXX I received a receipt showing I owed no money and my balance was zero. The hotel will verbally confirm this with a phone call.On the XXXX of XXXX when the credit did not appear on my card I called customer service for Amex XXXX and they informed me that the amount will not come back on my card for 30 days, even if the merchant releases it before the 30 day period expires. 
This is a prepaid card, not a credit card where the credit on the card is dependent upon what limit you have on the card is set by a lending institution. The card holder/ consumer sets the limit on what they want to spend. However Amex has decided that if this card is used at a hotel the card holder loses his money if it is refunded by the merchant. 
This action by Amex tells me that the merchant has more rights in the use of this card that the card holder. Also Amex must be mindful of the fact that they, Amex has a fiduciary responsibility to the card holder, the merchant does not. As of the date of this filing {$100.00} has not been refunded to me and according to XXXX customer service I will not get it back until XXXX XXXX. This is grossly unexceptionable. In addition Amex is giving the merchant more rights and consideration than me ; the cardholder. That is a clear violation of the XXXX. It appears the credit contract has and is built on terms of adhesion.
Consumer complaint received 2016-11-28
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I got paid and paid my bills over the veterns day holiday long weekend. When I checked my account on that Monday, it indicated that I was overdrawn. After reviewing the charges I noticed XXXX unauthorized charges at gas stations for a total of XXXX. I contacted the bank and they opened an investigation. They are trying to deny the claim. ( XXXX XXXX a small car and it takes less than {$25.00} to fill it up )
Consumer complaint received 2016-06-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc. (CA)

There was a collection placed on my credit report by a company called Diversified collections without notifying me of a potential debt. I did n't even get any letter in the mail and they admit it they do n't have any of my correct contact information. Also the orignal debt was for a XXXX service that was suppose to be canceled back in XXXX XXXX and XXXX kept billing me until XXXX XXXX after we had canceled the XXXX service due to our office building be closed down and being converted over to condos. All the tenants in the building were forced to move out XX/XX/XXXX and att tried to say we had service until XXXX XXXX and yet they have notes of us calling in to cancel the service and transfer it over to our new address. Diversified consultants broke the law by not notifying me of this debt or validating it at all. Please have them remove it. The XXXX dispute tracking number is XXXX
Consumer complaint received 2016-06-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

TransUnion re-inserted previously deleted information regarding a collection item from XXXX XXXX of {$300.00} originally from XXXX XXXX, which is NOT a valid collection item as it was discharged in chapter XXXX bankruptcy in 2011. 
XXXX and XXXX have removed the XXXX XXXX. TransUnion removed XXXX XXXX item and then added it back.
Consumer complaint received 2016-06-16
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: UNITED SECURITY FINANCIAL (UT)

I recently applied for and received a mortgage through United Security Financial Services. In the process my loan was changed from FHA, that 's what the disclosures I have say, to conventional and the interest rate seemed to change weekly. Each time it changed the costs would also change and I never knew what they were and could n't get updated forms from them. The loan process dragged on for months with constant changes and no answers. We finally closed after they made me pay my car lease off but they over paid the loan to XXXX and was told I was just out of luck. Luckily I got the extra money from XXXX back. The other promise was that I was supposed to get my appraisal fee back of which I have never received. The fiasco goes on and on. They sent my doc 's to the wrong notary service to come and have me sign. I do n't know where those documents ended up with all my information in them. They also promised that they would not sell the loan and service it in-house. They have since sold it. I have been told by many people in the industry that the loan was n't handled properly and within compliance. When I told United what I was going to do, they said we love proving that we do everything right and please do file the complaint. Kind of a weird statement to make implying that they have had to do this before. I do n't know what my options are on getting back my appraisal, but I do want to lodge this complaint. 


Thank You XXXX XXXX XXXX
Consumer complaint received 2016-06-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pan Am Collections, Inc. (FL)

When I signed up for a Leading XXXX membership I told the representative that I might not be able to continue coming if I got a job. She said, " That 's alright, you can cancel if that happens. '' So, I went to the health club for about a month before I got a full time job and could no longer go. I continued paying the fees for about five months, but after that I just could see any purpose in doing so since I could not utilize the club. So, I called to cancel and was informed that I would have to pay off the balance. This is not what I was told I repeatedly tried to work something out with them, but they refused. This occurred five years ago. I want to file a complaint against them at this point. It 's negative option billing. I trusted what I was told and then they change the terms.
Consumer complaint received 2016-06-16
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: SYNCHRONY FINANCIAL (NY)

I had a dental procedure in XXXX of XXXX and was given Care Credit as an option to pay the {$3200.00}. I was quite out of it XXXX. I realize now that I should not have agreed to any financial plans while fuzzy. However the dental office staff did n't give me much info and made it seem like a very standard way to pay. I was offered either a no interest plan if paid by a certain date and a fixed payment plan with interest. I 'm not even sure which plan I chose. Probably the one with the lower payment as I was financially strapped after a lay off. I 'm not sure if I signed anything. My monthly payment started at $ XXXX/mth and soon went up to $ XXXX/mth. I lost another job soon after the this but kept up with payments while receiving unemployment. Since that time I have become unable to work and have no income. My family income is down as well due to the poor economy. I have applied for XXXX but that could take a year or more. By his time GE Capital/Care Credit had changed to XXXX Bank and then to Synchrony Bank.I asked them repeatedly throughout XXXX - XXXX to modify my payments ( lower monthly payments with longer term ). I was told nothing could be done. I kept up with payments until XXXX of this year then started falling behind. Then this XXXX of this year during XXXX of the multiple daily calls from them I mentioned that if I went bankrupt they might not get anything. Suddenly I was transferred to a department who told me " they would " be happy to work out a payment plan for me. '' I was offered a new arrangement of $ XXXX/month with no interest and removal of all late fees. I said that would be great but they said I had to accept the new plan over the phone right then. I said I needed something in writing. ( They had been somewhat deceptive so far ) I was told I could only get something in writing AFTER I accepted the new plan. ( What kind of business practice is that??? ) I said " just send me an email with a few bullets descibing the new arrangement. '' They would not. I did n't know what to do. They gave my account over to a collection firm who have been relentless in calling me day and night, Sundays and holidays. Finally I thought maybe if I speak to the collection firm ( XXXX ) they may be able to offer me a payment plan AND give me something in writing. So I called them. They were able to offer me a plan that sounded similar - $ XXXX/mth for 48 mnths. This sounded OK until I did the math. If I make 48 payments of {$37.00} it equals {$1700.00}. My XXXX statement shows my new balance to be {$1600.00} ( which I believe includes interest and late fees ) and my promotional balance to be $ {$1300.00}. I just want to make a payment plan that is fair to payoff this debt ; {$25.00} - {$35.00} per month that adds up to a fair amount that I owe them with no interest and removal of interest and late fees as promised, from at least this year but really from XXXX when I first contacted them for a new arrangement.
Consumer complaint received 2016-06-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (CA)

On XXXX I mailed CMRE a demand for validation for an account they had reported on my credit report. The company has failed to provide me validation of the account and perplexingly replied and asked that I was responsible for providing you with more information and at the same time persevered with reporting the account on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).
Consumer complaint received 2016-06-16
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC. (NC)

Within XXXX minutes of giving my credit card number to the customer service person with Equifax experienced problems with the site, Equifax Premium Credit Monitoring. Information was wrong as I had just spoken with all XXXX credit bureaus. Also, I could not change my password, and my computer does not support this site. I immediately requested to cancel and get an immediate refund. I was deceived. The cancellation took place but was not told until after an hour on the phone that I could not secure a refund of {$19.00} even though the service did not work for me. The employee kept me on hold for 45 minutes listening to music. No one ever came to the phone. This is a rip off. Information is wrong and the site is difficult to work. Horrible. That is why within 10 minutes, I kept the person on the line as I signed on to the site, I was requesting my money back. The complaint if file no. XXXX
Consumer complaint received 2017-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP (OH)

On   XXXX    XXXX  2017, I had   XXXX   pending transactions. The second transaction would cause my account to be overdrawn by {$0.00}. I had previously been told that when pending transaction will cause the account to overdraw, a deposit needs made by  XXXX . I made a cash deposit before the cut off time on  XX/XX/XXXX . This gave me an end of day balance of {$0.00}. However, on  XX/XX/XXXX , I was still assessed a {$39.00} fee. Yes, I was charged {$39.00} for a   XXXX   XXXX   overdraw. The supervisor  XXXX  - made an exception to the policy and provided me with a {$39.00} credit today. The issue was caused by Key Bank 's posting order. Because the transaction had been made in a prior business day than the deposit, the transactions posted first - even though they had not posted at the time of the cash deposit. The supervisor confirmed, had the deposit been made a day prior, or the transactions posted a day later, the deposit would have prevented a fee. However, because the transactions and the deposit posted on the same day - a fee was assessed.
I had a similar issue in  XXXX . On  XX/XX/XXXX , I had a transaction overdraw my account by {$0.00}. I had   XXXX    additional pending transactions that would have overdrawn my account by a total of {$16.00}. On XX/XX/XXXX , the pending transactions had not yet posted and I had not received a fee. Before the required cut off time, I made a cash deposit of {$20.00}. This gave me a positive balance of {$3.00}. However, at end of day on XX/XX/XXXX , I was charged a fee for the prior, posted transaction of {$39.00}. This caused my {$20.00} deposit to not be enough and then I was charged  XXXX  additional fees of {$39.00} ( for a {$10.00} transaction and a {$5.00} transaction. ) Three days later on  XX/XX/XXXX , I was charged a " Recurring Overdraft Service Charge '' of {$28.00}. So, essentially, for overdrawing my account {$0.00} and due to Key Bank 's posting order, I received a total of {$140.00} in fees. I made a deposit to cover the two pending transactions. When I viewed my account, there was not a fee yet. At the time of my deposit, I was provided with a balance of {$3.00} ( POSITIVE ). Yet, due the posting order ... The fee posted first, making my deposit insufficient for the other  XXXX  transactions and causing additional fees.
I understand that I may not be the best customer. I understand why overdraft fees are in place. And when the fees are fair and the posting order not deceptive, I pay them. As much as I try to avoid them, sometimes life gets in the way. I 've definitely paid more fees than I 've had waived. However, I think we can all agree that a {$39.00} fee for a {$0.00} overdraw is unfair. The punishment does not fit the " crime. '' I think we all agree that {$140.00} for a {$0.00} error is unfair. The punishment does not fit the " crime. '' The posting order that key bank uses, in my opinion, is designed to cause more fees to customers. This, in my opinion, is an unfair practice.