davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (DC)

Navient Department of Education is denying me a student loan deferment and consolidation despite my application being approved. In fact, my loans should be deferred until XXXX/XXXX/XXXX. In addition, because Navient Department of Education is not honoring the terms of my consolidation loan I ca n't reapply for another loan and reenter a institution of higher education for XX/XX/XXXX to complete my degree. Also, my approved consolidation loan and loan deferment is not taking my loans out of default status. review the following conversation between myself and University XXXX at XXXX : XXXX Registrars Office XXXX XXXXXXXXXXXX XXXX to : XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX XXXX date : Tue, XXXX XXXX, XXXX at XXXX subject : Re : University XXXX : Transcripts & Records : XXXX ID : XXXX mailed-by : XXXX signed-by : XXXX encryption : Standard ( TLS ) Learn more : Important mainly because it was sent directly to you. 

XXXX XXXX, Thank you for contacting our office. After reviewing your records we did receive your Transcript Request on XXXX XXXX, XXXX via mail. We called you and left a message on the phone number you have provided on the request the same day we recieved the request. Our office is unable to process your request at this time due to a financial obligation. In order to process your request, your financial obligation will need to be cleared. Please contact the following office for more information : XXXX Business Office ( XXXX ) XXXX Once the hold is cleared, please notify our office so we can continue processing your request. If you have any questions, please feel free to contact our office. Have a great day. 

XXXX, XXXX XXXX Registration Assistant Therefore, Navient United States Department of Education is not clearing my default status and honoring the terms of my consolidation loan. I believe their agency is refusing to cooperate with me as a result of retaliation because of audits on XXXX XXXX Loan Servicer and XXXX XXXX XXXX Direct Loan Program. This particular discrimination is ongoing and consistent. I believe the employee 's for the United States Department of Education is denying me the right to finish my degree endeavor.
Consumer complaint received 2015-04-06
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CITIBANK, N.A. (NJ)

I was searching for a loan online and received an email from a XXXX XXXX XXXX claiming to be a Citi Bank Financial represenative. He said my loan was approved but because my credit score was low I had to pay the first installment so I purchased a green dot prepaid card and paid the fee soon after that I did not receive the loan. He then said the FDC was holding it because I owe taxes and that was what the loan was originally for. I then contacted the fdic and fdc.
Consumer complaint received 2019-08-14
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. (LA)

Regarding XXXX  XXXX Payment History The payment history that is reporting from XXXX XXXX Mortgage is incorrect. 

XXXX XXXX transferred the mortgage to XXXX in XXXX of XXXX. 

Prior to the transfer a forbearance/modification with XXXX XXXX was in place to correct the payment history and clear the matter. The agreement with XXXX XXXX was in effect beginning XX/XX/XXXX. 

The modification was initiated due to a National Disaster ( Louisiana XXXX Flood XXXX ). 

We contacted XXXX XXXX in XX/XX/XXXX to request relief due to the flood. XXXX XXXX created a forbearance plan ( attached ), then they suggested we apply for a modification agreement to reduce payments and defer the payments missed during forebearance. We agreed and XXXX XXXX initiated the first Modification and said the history status would be cleared to show no late payments. We submitted the borrower assistance packet in XX/XX/XXXX, and months later XXXX XXXX denied the application. They kept calling telling us to refile the application, new rules were in place. So, we filed again and it took over a year to come to a conclusion of the agreement. The agreement was effective XX/XX/XXXX. The modification terms were finally set in place and the agreement was to make three modified payments for XXXX, XXXX and XXXX. They told us that even though the previous payments were reporting late, once the modification was completed, all of that would be cleared. 

The first two payments ( XXXX and XX/XX/XXXX ) were made by us as agreed, then the loan transferred to XXXX. We called XXXX XXXX and XXXX to find out what we should do and were told that in order to complete the agreement, to send the last payment to XXXX and they would comply with the agreement. So, we completed the agreement by paying the last payment ( XX/XX/XXXX ) to XXXX/XXXX. 

However, XXXX XXXX did not hold up their end of the agreement. We contacted XXXX XXXX several times to clear the matter up, but we were told that all files were transferred and they did not have any record/evidence of the modification. 

This matter should be cleared up immediately and our history and payments corrected as promised by XXXX XXXX. 

Also, the status says 90 days late, but no payments were ever 90 days late. I have all of my bank statements with payment history. 

Please let me know if I can supply any further documentation. 

Our credit file history has been incorrectly tainted for well over a year, and as a result we have had to pay higher interest rates for loans obtained. 

Please provide a status update to me within 15 days.
Consumer complaint received 2015-06-16
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Closing was set for XXXX/XXXX/2015. On XXXX/XXXX/2015, BOA 's home loan fulfillment rep unprofessionally and demandingly requested an additional, lengthy and extensive HOA report from the property mgmt co which we, the buyer, unknowingly had to pay {$280.00} for-after the initial HOA deadline had passed and all Colorado required HOA info was already turned in for closing. BOA employee was the one who forgot to request it so it was suddenly an emergency on the property mgmt 's part. On XXXX, BOA asked for more info from the HOA, which was provided. On XX/XX/XXXX, they asked for more info from the HOA, which was provided. On XX/XX/XXXX, they again asked for MORE info, which was provided on XX/XX/XXXX. ( I was told by the VP of the dept that handles HOA condo/co-op docs that they ca n't just review them on the drop of a dime when they are the same ones that requested them the same week of closing. ) Closing date came and went with NO ATTEMPT FROM BOA TO CONTACT THE SELLER TO TELL HIM HE COULD NOT CLOSE BECAUSE BOA DID N'T REQUEST THEIR OWN INFO ON TIME. I am now outside of the Amend to Extend deadline bc the BOA employees who request this info do n't look at it, return calls, etc. I am at risk of losing this deal BOA did n't DO THEIR JOBS. In fact, just today, I was asked for a HVAC repair receipt when that was completed and documented weeks ago. ( Why am I being asked for repair bills anyway when inspections are voluntary? And why am I being asked AFTER I should be closed??? ) EVERYTHING has been done from the HOA, buyer and seller 's perspectives to meet deadline, including the closing dates, and no one at BOA is doing their part. NO ONE returns calls, NO ONE tells us the status, we ca n't even sign an Amend to Extend because we do n't even have a date to offer bc no one seems to care if/when we get final settlement # s ... including up to and past the day of closing.
Consumer complaint received 2017-03-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NH)

I have contacted Navient via telephone regarding co-signed loans requesting information to be sent in writing showing the amount of the loan ( s ), distributions, date of all transactions ( payments credits, fees, interest ). I informed Navient that i just started receving notices about the loans in the last few months, nothing prior. Also that one of the loans was fully paid in XXXX 2013. I have also requested information for a release of this co-signed loan and the status of the application.on the second student loan. 
Navient will not provide the requested information in writing and has ignored all my requests. Previously Navient filed false and inaccurate information with credit bureaus which has caused me financial harm. Navient stated they investigated my complaint saying the false statements were accurate even after I sent proof of their false statements to both Navient & CFPB. No further action was taken on my behalf by either Navient or the CFPB
Consumer complaint received 2016-05-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NY)

I noticed an unknown public record on my report, showing under Equifax and XXXX. I wrote letters two times to both bureaus, asking to investigate this information and to have it removed from my report. I was waiting 45 days between letters as I was directed, but unfortunately they did not respond. No investigation was made and the Public record is still showing on their reports and affecting my credit badly. I am unable to move forward financially as a result of it and causing me a lot of XXXX.
Consumer complaint received 2015-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

For the past XXXX months I have received notices that my mortgage payment was past due. I 've been paying my mortgage on time, through my financial institution, for XXXX+ years. For the past XXXX months my mortgage payment has been applied to a credit card that I also have with this company. This is odd since I have n't used this credit card in more than a year and it has had a XXXX balance during this time. I have sent them proof from my banking institution showing the funds were sent on time each month showing my loan number, yet I continue to get calls from collections. I have spent HOURS on the phone with the mortgage company, spoken to multiple people, put on hold for excessive amounts of time, been transferred to incorrect departments, been told that my banking institution was responsible for the error, and disconnected more than once. I 'm sure you realize that each time I call, the story has to be explained to a new representative ( who usually asks multiple questions ). XXXX months ago, while on the phone with the lending company, and learning that my XXXX mortgage payment had been applied to my credit card account XXXX the one with no balance ), I requested they close the credit card account so that I would only have one account with them XXXX my home loan ). I was transferred to the credit card department and the account was closed. Unfortunately, my next XXXX mortgage payments were applied to this CLOSED account. After another round of phone calls, I was told that yes, indeed, the credit card account had previously been closed at my request. So, how can my mortgage payment continue to be applied to a closed credit card account??
Consumer complaint received 2016-05-02
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In 2012, I believe that I became a victim of a phishing scheme and credit card fraud. I also believe that I am wrongfully being held to blame for the charge-offs on my credit report because Bank of America refused to accept my disputes against the fraudulent charges to my credit card and they failed and refused to protect me from fraud as implied in their Visa protection policies, after I did file my disputes " on time '' with them. // After a " no settlement '' with them, I filed a complaint letter to the Consumer Financial Protection Bureau and received a return letter without the said " attachments ''. // A request for the attachments has been submitted to the CFPB. // Once I had spoken with XXXX XXXX and the credit card account was closed, I was never notified that any charge offs were being placed on my credit report. I had never even heard of a " charge off '' and had known nothing about what it was " ever ''. I feel that I 'm being deliberately " set up '' for some sort of further damage to me by Bank of America. // I 've always been told that any credit card purchases have guarenteed protection and money back protection against " any '' fraudulent transactions. // Only until now, I accidentally found that I could file a complaint about this matter to the Federal Trade Commission . // When the bank closed my credit card account, via XXXX XXXX actions, I believed that the matter was settled and over with. Nothing was said to me about it, no mail notification, no phone calls, no emails, so I believed that I was cleared by their " fraud protection policy ''. ( Now, a double fraud against me ). // I now wish to demand that this matter is to be cleared and erased from my credit report history and my normal credit score restored, ( about XXXX ) with all of the credit score companies. // To me, in 2012, as a normal and un-informed person, I considered that a closed account was now null and void. // Any damaging information being added to my credit report without my " consent or knowledge '' is what I would call " illegally withholding damaging information against an innocent person '' ( by Bank of America ). // I wish to demand justice. // I had no idea that this was going on against me, whatsoever. // End.
Consumer complaint received 2016-06-22
Product: Credit card — 
Issue: Advertising and marketing — 
Company: WELLS FARGO & COMPANY (FL)

While visiting the Wells Fargo Bank, a banker offered me a credit card, according to what he read from the bank site, I was eligible for a card with an APR of 8 %, with 0 % rate for 15 months, I agreed on the condition that my rate would be 8 %. When I received the card, it had a rate of 21.4 % after the promotional period. I contacted customer service by phone, when I told the representative about it, she urged me to go into Wells and see the banker, have him call in and it would be honored ; however, I went in, the banker called in, but Wells was not willing to honor the rate. I feel that it was discrimination, as XXXX are often given higher rates, despite their credit scores.
Consumer complaint received 2016-12-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2016 I went to Bank of America to open new checking and saving account. I had an offer with me ( Internet offer printout ) which says, " Get {$300.00} once you open a new checking account and set up and receive direct deposit totaling {$4000.00} in the first 90 days. '' After reaching the branch I met with a banking personnel ( XXXX ), I showed this coupon to him which he said the bank will honor this coupon he also took the buy in from his supervisor ( XXXX ). After this I opened the bank account and set up the direct deposit which totaled beyond {$4000.00}. 
After this I visited the bank 2-3 times and the same guy told me that I need to wait for 90 days. After 90 days when I again visited the bank ( date : XX/XX/2016 ) XXXX called his marketing team and told me that it will take another 60 days but I was not convinced as I thought he is just buying some time but when I argued then he and his manager told me that they will open a case in their system and I will get my {$300.00} promotion in 30 days. The case ID is XXXX. 
After 3-4 days I got another phone from BOA case department and they told me that they will not be honoring that coupon as that was an internet generic offer. I tired explaining them that I already said the same thing in the initial time of opening the account and that time your guys promised me that they will honor it and after 4 months you are declining it. She kept on apologizing as their banking officials gave false promises but refused to honor this and told me to check with branch officials and closed my case. 
I completely felt cheated as I did n't conceal anything and told everything before clearly.
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

Payments are n't applied correctly and have been paying on them for nearly 20 years. I have had no help in understanding why the amount is barely reduced and sometimes increased monthly after a payment is made. Lately I have to call 9-10 times just to get an answer or things corrected. This is from my XXXX from XXXX University and my XXXX XXXX from the University XXXX.
Consumer complaint received 2015-07-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

Navient says they do not allow income based repayment on my signature student loans however signature student loans, thought private, are backed by the federal government. Loans backed by the federal government are supposed to be eligible for IBR. Why is it that I am not allowed to take advantage of this benefit with my private but federally backed loans?
Consumer complaint received 2016-05-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I open a citigold account with a bonus offer. 
And got a confirmation message that I have met all requirement and the bonus will show by XXXX/XXXX/2016 in XX/XX/2016. But in XX/XX/XXXX, Citi denied my bonus says I am not the targeted user.
Consumer complaint received 2015-07-25
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MA)

This is a copy of a letter that was sent to Wells Fargo that explains the situation. 
XXXX # XXXXXX/XX/XXXXAttention : Customer Support, My loan has been reported late for 6 years now and I have never missed a payment. I have written letters like the one below and not had any favorable response. Please keep in mind my payments are auto drafted every XXXX weeks. 
The history is as follows1 ) XX/XX/XXXX my father was diagnosed with XXXX XXXX and given XXXX. 
2 ) I called XXXX XXXX to tell them I would miss some work and went through a lengthy telephone interview3 ) As a result of said interview I was told my next XXXX payments ( XXXX ) would not be drafted and they would be added to the end of my loan. 
4 ) Said payments were not drafted even though there was an ample balance in my account. 
5 ) Years later I discovered my loan being reported late every month yet my payments have been drafted every XXXX weeks on time and never missed. 
Please look at the payment history. You auto draft a payment every XXXX weeks on time and never missed. The only response I received from you is that I asked to not auto draft the payment and I would send it. This makes no sense. I have always had an ample balance in the bank and would not make this mistake. 

I was told that I could pay up by a Wells Forgo representative that I could pay the XXXX payments in question and they would drop the late payments and additional charges which I can do any time. However, my credit is a bigger concern. I asked for a letter from you stating this was an error so I can fix my credit and it was denied. I am asking one more time for help in this matter before I call my attorney general to report this as I am not at fault. This error has affected my ability to secure credit for my business. Your immediate attention is greatly needed. 

I am prepared to pay the payments in question, however I am not at fault for the late payments and interest. I have tried to resolve this on more than XXXX calls or letters and they keep telling me It 's my error, but is is not. My first contact was with XXXX XXXX which authorized a XXXX payment ( XXXX ) " skip a pay '' which occurred and then XXXX sold to Wachovia and the payments started to be reported as late.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I attempted to resolve the issue with the credit furnishers and creditors that are reporting the fraudulent credit accounts on my credit file. I am now in the process of civil litigation against the creditors and soon the credit furnishers if it does not get resolved immediately. Under the FCRA I request the fraudulent accounts be blocked/deleted immediately. I have attached a copy of my Victim Determination Document.
Consumer complaint received 2016-03-05
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Initiated XXXX wire transfer on XXXX/XXXX/2016 on the Bank of America website, but the bank has initiated XXXX duplicated transactions with XXXX different duplicate fees. I have made numerous calls to the customer service over the past 45 days, but the full disputed amount has not been credited yet.
Consumer complaint received 2015-12-28
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

This matter involves credit card debt with Capital One Bank which was referred to XXXX XXXX for collections. Capital One Bank had my correct address as bills were sent monthly to me. Once this was referred to XXXX XXXX they used an old address where I have not resided for years. When this was sent to the old address it was opened by the occupant at that address who in turned contacted me about the letter, debt and what it was about. This resulted in great embarrassment and XXXX. There was no reason for this to happen and I believe that corrective actions need to be taken, including fines and damages.