davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-19
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I called Bank of America to ask for help. I wanted to get a lower interest rate on my Bank of America Rewards card because I 'm in financial distress, my credit score is good and I 've never missed a payment. After I explained my situation to their representatives and to XXXX supervisor, they said they ca n't help me. There 's nothing they could do to help me. I find it so unbelievable because I 've heard there 's always help out there, but for me there 's none! I explained to them that I was " thinking '' on closing the account. To my surprised I checked my XXXX credit report today and is showing Bank of America Credit Card Account CLOSED BY CONSUMER. This makes me so sad because instead of helping me they closed the account.
Consumer complaint received 2016-05-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have been trying to get proof of a life insurance policy that Bank of America was debiting my checking account for {$650.00} a month for 10 months. When I spoke to the branch manager they indicated they could not provide proof and that they would not refund my {$6500.00} that ( stole ) from my account. There is also a credit card with them that we have also addressed as trying to get settled and they will not respond. I finally had to retain counsel to get this resolved and even with my attorney reaching out to them they will not respond.
Consumer complaint received 2016-01-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IN)

In XX/XX/XXXX I graduated XXXX and was accepted in to XXXX XXXX in XXXX Arkansas. At that time I applied for a private student loan through XXXX XXXX, now Navient. My co-signer was a friends dad who is a XXXX year old retiree. I have the documents to prove that loan exists. My complaint is there was another private loan which was taken out the next year in which I am paying for now but no one remembers applying for and I do not have the documents for. Now I have {$150000.00} in student debt, which XXXX is private and I only have 3 months of deferment left. I am on a 25 year repayment plan paying $ XXXX/month for the private loans and $ XXXX/month for my federal loans equaling {$1200.00} per month in student loans, which takes all of my income per month. I would like the CFPB to look into the private loans to see where the second loan came from, were any predatory lending practices committed, and if any of my loans can be forgiven. I would deeply applicate any help because I had no idea what I was getting myself into when I was XXXX, I was just trying to go to college.
Consumer complaint received 2017-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NC)

In XX/XX/2011, XXXX changed to Navient. They also changed my terms from an affordable payment which I was making, $ XXXX/mo. They increased my payment to over $ XXXX/mo. I told them I could afford that payment. At that time my principle balance was {$7000.00}. Last fall I contacted student aid ombudsman. They told me Navient would not make options available to me. The ombudsman did tell me I could refinance with a different servicer. Navient never told me that. I refinanced last month with XXXX. After all the interest and fees Navient charged me, the new principle is over {$16000.00}. I could have the loan PAID OFF by now. Navient lied to me to keep me in the loan. They also TRASHED my credit. Thanks for your reply
Consumer complaint received 2015-03-30
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I have XXXX credit cards with Bank America. However, there is XXXX I am having an issue with. I applied for a credit card for my XXXX business that I had been currently in at that time and put my daughter XXXX XXXX as an authorized user on this card approximately in XX/XX/XXXX as XXXX was XXXX of my employees as well. When we got the bill it was in XXXX 's name. I called the company ( Bank America ) and they basically told me there was nothing I could do because it was in XXXX 's name and with me as a co-signer! The bill came to my address in the beginning but was just in XXXX 's name. Suddenly, when XXXX moved to another town, she started getting my bills there at her new address! We could n't figure out why they were doing this! I told XXXX to make sure the bill got to me so I could pay it in time! Well, in XX/XX/XXXX I called the Bank of America and asked them to send me a bill to my new address as I am no longer in XXXX and we have sold our home. They said they could n't do this because it would have to go to XXXX 's address and they stated my home address! I told them that the address they quoted to me was my home address and I had been getting the bill back to my address for quite some time now! Well, they did n't forward the bill to my new address so 6 months later, they call my daughter and are harassing her for payment and she would like to buy a new vehicle and this is on her credit report. How can they do this when XXXX did not even apply for the credit card? We have called the company SEVERAL times asking for a copy of the original application because I know it is MY application!! XXXX NEVER signed anything so her name should not even be as the original applicant. They only send us copies of the billing and not the original application! I have now contacted a lawyer and he has me filing this complaint to hopefully save me from giving him money to handle this credit card company who will not listen to the truth. I hope you can help with this matter so we can get this taken care of! Thank you, XXXX XXXX
Consumer complaint received 2016-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

Checking my credit report XXXX pops up for the fourth time which mean the collector kept selling this account. I never had XXXX NEVER and the last three times they had to remove it because they could n't validate it. I blasted XXXX for doing a authorized inquire, which they remove also. The fourth collector will remove it but not after selling it again. Please help. P.S. I live in a XXXX which XXXX ca n't service so how is this possible!
Consumer complaint received 2015-07-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (TX)

Enhanced Recovery added a collections account to my credit report on XXXX/XXXX/14. I noticed the debt on my credit when I checked it in XXXX 2014. I sent the first certified letter XXXX XXXX, 2014 and have sent multiple letters since then to this company and all 3 credit bureaus. We have sent multiple certified letters to Enhanced Recovery Company , LLC requesting verification of the debt because it is not mine. They have refused to provide proof of the debt and refuse to remove the item from the 3 credit reports.
Consumer complaint received 2015-05-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Charter One Mortgage aka RSB bank has failed to make timely private property insurance for the year XX/XX/XXXX and XX/XX/XXXX. Our property insurance is included with our mortgage payment and has never been late, Instead of paying XXXX XXXX charter one is force placing insurance and increasing our mortgage payment. I contacted Charter one mortgagee XXXX and spoke with XXXX XXXX and XXXX and requested a escrow statement and was advised that because I have a chapter XXXX bankruptcy charter one is not obligated to send me information regarding the mortgage, It should be noted that the mortgage is not part of bankruptcy and the mortgage payment has been paid on time for the last XXXX years. I also do not have access to my account online to be able to keep track of my payments. Customer service and the insurance department refused to give me any information regarding my account and I am concerned that my hazard insurance will not get paid.
Consumer complaint received 2016-05-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC (CA)

I have been attempting to do a short sale with Roundpoint Mortgage for over 2 years. I have a cash buyer and have submitted all the required paperwork to Roundpoint Mortgage and they will not tell me if the short sale is approved. I spent over 30 days submitting every document they asked for. They told me that on XXXX XXXX 2016 they has all the documents needed and that now it would be up to 30 days to " process the short sale ''. They continue to stall and drag this out until my buyer moves on to another property. I am working with my XXXX cash buyer and he is about to walk also. This company needs to be reprimanded for the way they operate.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have been having issues with this and the improper reporting of this account. This has caused a great amount of hardship on me because I have been ignored and if they would just do the investigation they would realize this to be the case. 

In accordance with the Fair Credit Reporting Act everything must be accurate and under 15 US Code 1681 this account is in violation because its not being reported accurately. 

I even have sent multiple verification requests to the company and have not received the items I asked for. 

I as the consumer would like to know all the steps the agency took to insure these items were 100 % accurate along with the method of verification. Thanks
Consumer complaint received 2017-01-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: KEYCORP (CO)

I filled XXXX total complaints against a company claiming they are a law firm when NON of their " attorneys '' are registered in the Colorado bar database. The company is called XXXX XXXX " XXXX XXXX ''. I submitted the first complete because they kept billing me & kept deducting from my checking account {$99.00} per month. I canceled XX/XX/2016 and I was billed for the month of XXXX at the birth of XX/XX/XXXX totally {$200.00}. after I filed a complaint with the federal trade commission, they advised me to dispute all of the charges from the company as they did not what was in their contract promised to me as well did NOT provide me any PROOF OF SERVICE and could not report TO ME ANY ACTIVITY they have done in past 7 months. When I signed up with the " credit repair '' company my XXXX score was XXXX. NOW, it has DROPPED TO XXXX!! I contacted ALL XXXX credit bureaus & they confirmed with me that NO ACTIVITY has been done and no dispute letters have been sent/received as I never did receive a letter from ANY of the XXXX bureaus in 7 months. According to one email I sent the company asking for progress or updates, I finally received a response from XXXX Law that they need a credit report in XX/XX/XXXX 3 MONTHS later!!! Shortly after I contacted the Federal Credit Repair Act, I was advised to file a dispute with MY BANK & TO REPORT FRAUD. This is where my bank comes in. Key Bank! After filing XXXX disputes my bank WOULD NOT do anything to PROTECT ME AGAINST FRAUD nor issue me a provisional credit as these charges have caused me financial hardship. I am having to fight WITH MY BANK, KEY BANK and to having to LITERALLY beg my own bank to recover the money that was charged. MOST BANKS will issues the charges reported as fraud within 24-48 hours. KEY BANK has done NOTHING to protect me as a consumer not the mention the XXXX complaints were filed XX/XX/XXXX & XX/XX/XXXX. Still my bank as done NOTHING! The laws we published under the Credit Repair Act were clearly violated and " XXXX XXXX '' still will not provide me with ANY proof of service. As of now, I only have bank statements of the charge as XXXX XXXX has not answered ANY of my complaints.
Consumer complaint received 2016-03-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: KEYCORP (FL)

Key Bank Real Estate Capital has app. {$30000.00} of my money in an escrow account on a mortgage that was paid off almost one month ago. {$5500.00} excess overage due me has been in their escrow account since XX/XX/2015 and they 've yet to refund my money. Mortgage number XXXX
Consumer complaint received 2017-01-14
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: KEYCORP (NY)

I made an extra lump sum payment on my student loan and the loan servicer ( My Great Lakes ) applied this payment incorrectly. After several phone calls to the servicer I was told that they take the excess payment and apply it to next months payment first, and the remainder is applied to principal. This information was never provided to me, nor can I locate this information published anywhere by the servicer. 

They have a " how payments are applied '' section on their website which states : " However, when it comes to excess payments you have more flexibility. We automatically apply excess to : 1. Accrued interest since your last payment. 
2. Principal of the loan with the highest interest rate. " On XXXX/XXXX/16, my automatic payment was drawn and applied as all automatic payments are. On XXXX/XXXX/16, I made an extra {$1000.00} lump sum payment which was specified to be 100 % applied to one specific loan token ( highest interest rate ). I expected that a small portion of this payment would be applied to 1. accrued interest since your last payment ( 4 days of interest ) and 2. the remainder would be applied to the principal of the loan with the highest interest rate. Instead, it was first applied to next months payment and the remainder applied to the principal of the loan with the highest interest rate. 

After speaking with customer service at Great Lakes, they agreed with me that the " how payments are applied '' section is confusing and lacks the full explanation of how payments are truly applied. 

This is very unfair to the consumer who is simply trying to get out from under their student loan debt. This servicer needs to clarify to the consumer how exactly payments are going to be applied and I hope that the Department of Education will assure that they fix this issue. I have had loans with XXXX ( formerly XXXX XXXX ) and XXXX and this has never been an issue. These other servicers made it very clear and easy how your payments were applied, and if you made an extra payment it was applied exactly as you expected. XXXX and XXXX get an A+ rating and My Great Lakes gets an F.
Consumer complaint received 2017-01-23
Product: Credit card — 
Issue: Transaction issue — 
Company: U.S. BANCORP (CO)

I am reaching out to your organization in hopes that you can assist or at least help me to see that my complaint is acknowledged. I have paid several companies thousands of dollars for various online business opportunities and have found myself as a victim of a professionally orchestrated scam. After I followed an online link to make money at home by entering produce reviews I was inundated with unsolicited telemarketing phone calls from companies offering an online at home business. XXXX XXXX XXXX XXXX XXXX XXXX was XXXX of them. They contacted me initially on XXXX/XXXX/2016 and they charged me {$4500.00} I paid them on my US Bank credit card. I was convinced ( badgered into ) this website development. I was told that I would with the in three weeks have a fantastic website that would be fully automated to process customer orders without me having to be involved in the daily activities of the website. Products would be loaded including prices and pictures and kept up to date. I was to have an introductory movie, electronic business card, social media connections, funnel page to capture customer information and emails, complete order processing including credit cards and XXXX accounts, and order fulfillment ( order processing, shipments, customer email of order confirmation and tracking information ). As of today nothing is complete. I have worked with XXXX to get the website functioning as intended, to remove the duplicate items, and accept credit cards payments until recently. My last attempt to work with the website had proved that I could not enter an order and therefore I have no idea how I could make any money with a non functional website. I sent letters, emails to request my refund and they ignored my requests. 
These are all the contacts I have for XXXX : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

According to 15 U.S.C 1681 there should not be any damages on my credit report thats a deformation to my character and is hindering my daily living with my children. I am not able to survive without a house and a car for me and my children.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ACIMA CREDIT, LLC (OH)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2016-04-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (TX)

I had trouble signing up for Equifax membership product. I finally signed up XXXX XXXX, 2016. After 2 weeks I was scheduled to update my score and report. I continued to get an error " Contact the department at : ''. I contacted the membership department several times and even spoke a supervisor. I was told by each agent that there is some inaccuracies om my report and I need to speak to the dispute department. Not to mention I have also contacted Equifax located in Georgia, in which they also submitted a XXXX ticket to have this fix. In between these times I have contacted the dispute department and spoke to XXXX supervisors.! supervisor confirmed with me too, that there were multiple social security numbers and names associated with my information, and requested I send in proof of my identity. I sent copies of my ssn, ID, Tax forms and proof of address. I have confirmed that they have received my proof. Each time I have received a different response and no on has fixed my issue. Furthermore the dispute dept including the supervisors, have disconnected on me several times ( at least 5 times is an understatement ). I tried to refinance my loan and they tried 3 times to access Equifax 's report ( They only pull for Equifax ). They denied my application, because they were not able to access my report for Equifax. XXXX and XXXX XXXX XXXX has also had trouble accessing my file for Equifax , you will see multiple inquiries for them. This delayed my internet from being connected, in which I just spent over XXXX dollars to start college courses online. The second supervisor claimed it was an address, and she updated it. The other department I have spoke to was the online support department, who has confirmed that I also need to speak to the dispute department, after that XXXX supervisor transferred me again. I attempted to call Equifax again today ( XXXX, Ga XXXX XXXX and I was told the same thing,,, " there was nothing wrong with my report, and I need to have the creditor run a new application. Also they need to make sure they are pulling the correct report. '' I have told each creditor this and if it was that simple ; Why is Equifax , not able to pull an updated credit score or report? I informed the supervisor that I have told th creditors that already. She hung up on me and the agent, ( as usual ) asked for a callback number, in case we were disconnected. But did not call back. My 1st ticket was supposed to be finished XXXX XXXX or XXXX.
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (TX)

Tried to get my Equifax report for XX/XX/XXXX and was given a message that my credit report could not be delivered online. Same happened in XX/XX/XXXX. And XX/XX/XXXX ... And so on. 
I have n't sent my written request yet for XX/XX/XXXX, but will do so. However my XX/XX/XXXX request took a _long_ time and they still did n't acknowledge my disputes. Equifax also require copies of sensitive personal documents to be sent through the mail before seeing the credit report, thus exposing users to extra risk. 

Equifax are actively trying to game the system by making it as difficult as possible to get credit reports which I have a right to see and dispute.
Consumer complaint received 2016-06-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed inquiries on my credit repeatedly and have only been advised that the persons stated that I requested the information. I am victim of identity theft/fraud and am looking for resolution. I have over XXXX inquiries on my credit, a broken lease that I did not authorize with XXXX properties and am unaware of the property, addresses and name changes that I am not aware of, accounts that are beyond the statue of limitations that I have asked to be removed and were not, as well as student loans that have been consolidated and should not show open on my credit report. I have called and received no assistance, long wait times, the inability to submit the full dispute online. I have XXXX and am only seeking a remedy in this situation. XXXX has been great with taking care of all that I have asked, except the name change. My name is XXXX XXXX XXXX, that 's it. I do not care if a copy of my driver 's license was provided or social security card, I did not sign for XXXX of what I am being accused of. I have not been able to remain stationary so that a police could come out to me to file the police report, but I have the affidavits filled out completely. I am livid that I can not get the things done through XXXX and Transunion, that I have to go to these lengths.