davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (FL)

I took a private loan from XXXX XXXX which now switches to Navient. Although I ca n't find a job using my degree yet ; I still make the effort to pay toward my debt. They used to take the payment directly from my checking account but they stopped since last XXXX. When I called to question why they have n't the payment from my checking they told me that I did n't renew the income based payment arrangement ( which I did in XXXX ) they verified the date that I told them I call to renew but they told it was n't done. When I asked what I can do to renew again they told me it was too late and I have to reapply again. They asked me for my employment /income information, my expenses then they told me I was in negative by {$900.00} so I was not qualified for income based payment. They changed my monthly payment from XXXX to almost {$300.00} which almost double of what I was paying. I offer to produce my tax return my son daycare information my rent payment and so on to verify that I was n't lying about my financial situation but they declined. They want me to have my co-signer a friend and a single mom of XXXX who 's already struggling on her own to pay the extra money they add up to the payment. Every time I called to make a fair payment arrangement they refused and kept making threat and harassing my co-signer every day. Whenever they talked to my cosigner they told her they were willing to make an affordable payment arrangement and I was the one who did n't want to pay them which was completely false. Since I decided not to take their phone calls due to their effects in my health, I paid them XXXX payment over the phone then I set up bill payment through my bank and paid them through my bank. Yet they are still threaten and harassing me every day with phone calls or my co-signer. They even called me at work and did not give them my work number or fax number. They even went further by faxing my work without my permission and got me in trouble with my supervisor because she thought I was the one giving them my work fax number for personal business. I had to explain to my supervisor that I was n't the one giving them the fax number and have to discuss my personal information at work which was very embarrassing. I have proof that they 've been getting their payment but they are still calling us and making our lives a living hell. I just want to know how can I stop Navient to stop harassing me to death because one of these day they going to cause me to XXXX for a {$25000.00} loan which I am trying my best to pay them every month.
Consumer complaint received 2015-03-30
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WV)

My loan has been transferred now, but for two years Bank of America tossed me around with making home affordable pulling me in and out of trial plans adding all sorts of foreclosure fees. It wasnt until I began filing complaints and a HUD rep got involved and found many misconducts that it was fixed. Unknowingly I paid my mortgage every month, only they were n't applying it to my loan putting it in a separate account. After all was said and done they were supposed to correct the 20 month negative crediting reporting, that was in XXXX last year still has n't been fixed
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (ND)

When my loan was first sold to navient from XXXX they had low payments. XXXX month Then my payment went to XXXX a month. They are more than willing and they also preferr to put you in deferment then to take smaller payments so they can add interest to your total I have a total of XXXX in loan but now it is up to XXXX. It is hard enough to make XXXX but harder to catch up to pay the interest that has over grown they have had the loan since 2011. In 6 yrs the interest turned into XXXX. On their recognition to let you to deferred versus making smaller payments.
Consumer complaint received 2016-12-13
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am constantly besieged by " return of posted check '' fees, " returned item fees '', and " overdrawn balance fees '' simply by trying to pay my credit card bills with my Bank of America checking account. This is not the first time I have had this issue. When I first called, they gladly refunded the fees. Then they stopped, insisting there was no issue on their end. I do n't understand why, even when I have funds in my account to cover the bill, I get a " returned item fee '' the next day. Then, for some crazy and putatively fraudulent reason, Bank of America decides to charge my account again, knowing full well that the payment did n't go through the first time. Then once again, they charge me a " returned item fee ''! Then to add insult to injury, they assess " insufficient fund fees '' because they have been draining my account with these pernicious cycles of " returned check '' and " returned item '' fees!
Consumer complaint received 2017-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Public records should be deleted as of  XXXX / XXXX /17 from all credit bureaus,  XXXX ,  XXXX , trans union. It is making it difficult to obtain credit. Please delete.
Consumer complaint received 2016-01-04
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received a XXXX Cancellation of debt form from Bank of America in the amount of $ XXXX.I filed the XXXX on my taxes and paid taxes on the {$12000.00} amount. All XXXX of my credit bureau have different information reported. 1 : XXXX Reports a {$0.00} balance and {$0.00} past due amount. 2 : XXXX reports a {$15000.00} balance and {$3400.00} past due amount. 3 : XXXX reports a {$15000.00} balance and {$3400.00} past due amount. These amounts do not add up and are not reported accurately.
Consumer complaint received 2015-05-04
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Dealing with a lieing and stealing mortgage company. Proved four lies they have fed to us. Dealing with Bank of America lieing modification. Dept. Names on mortgage have every statement and cancelled payment transaction that prove we are responsible mortgage owners ... ... .. Bank reports false credit late payments on home .... We understand notes are due every month, their phone rep dept. and dept that generates statement balances and mails them to customers, tells the customers doesn ' have a payment due, after the modification is approved ... ... .. Same case as NORTH CAROLINA VS. BANK OF AMERICA ... ... Same XXXX payment exactly one year later ... .... Customer has been told they are wrong over and over ... ... .. Customers have every thing on paper filed in order by date ; waiting for the banks subpeona or the state of TN. Lawsuit
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I have 3 separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and involved in a data breach which are the result of identity theft fraud. These fraudulent accounts consists of a business credit card with XXXX opened around XX/XX/XXXX, and personal credit card at XXXX XXXX XXXX XXXX around XX/XX/XXXX, and a auto loan at XXXX XXXX opened around XX/XX/XXXX. These accounts have resulted in hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2017-01-24
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Lost $ XXXX down payment due to wire fraud. A portion ( {$27000.00} ) was frozen by the bank, but they refuse to return it. 

Per UCC - Article 4A - 205. ( a ) ( i ) the transfer was to a beneficiary which was not intended by the sender. 

Per UCC - Article 4A - 402. ( a ) ( d ) If the sender of a payment order pays the order and was not obliged to pay all or part of the amount paid, the bank receiving payment is obliged to refund payment to the extend the sender was not obliged to pay, plus interest. 

Bank of America ( BOA ) is the sending bank, the receiving bank, and the mortgage lender. 
BOA was informed of the Fraud several ways & provided evidence. Initial payment order explained intent & true beneficiary of the transfer. A series of short investigations confirmed both fraud & true intent. Despite investigation findings, BOA refused to return the frozen portion. 

BOA further enrich themselves by waiting until a second down payment was procured & mortgage was closed before offering a return. The return was contingent on receiving a notarized release. They gained holdings, plus caused tax liabilities & interest loss because due to their refusal. 

After gaining all they could, BOA offered to return the money contingent on receiving a notarized release. The release waives all damages & prevents info regarding the incident from being shared publicly.
Consumer complaint received 2016-12-13
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I cosigned my brother in law 's home loan in early 2007. later that same year, on XXXX 2007, he refinanced the loan with Bank of America in order to remove my name from his mortgage. He Signed and Closed the Loan, as sole borrower, on XXXX XXXX, 2007. when this new refinance Loan was " filed '' with the County Clerk XXXX XXXX XXXX XXXX, A different loan closing document was used. this different document had my name added and my signature forged. furthermore, a notary falsely stated that " i appeared before her '' to sign said document. what is even more troubling is that the pen inked handwriting and signature matches the notary or whoever created the forged document. The very reason for the refinance loan was to remove me as a borrower. this type of blatant forgery and falsification is unacceptable from any financial entity, let alone a XXXX Bank. The only way i found this out was because my brother in law is losing the property on foreclosure, and i now have lawyers serving me court papers as if i am still involved in said loan/property.
Consumer complaint received 2016-11-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (WI)

Navient LLC, a debt collector, has failed to respond to my numerous demands to cease and desist. They have invaded my credit Federal Credit Report, and continued to send threating letters, as well continued harassing me with phone calls. They have contacted other family members in connection to this alleged debt, via emails and phone calls, family members that are not associated with the matter in any way. 
Navient LLC is under some delusion they are not a debt collector, and not subject to the FDCPA, because the purchase, sale, or transfer of the alleged debt took place while " it was not in default ''. I again demanded Navient send me information with a dispute letter in XXXX, which was ignored, and again in XXXX, which thus far remains unanswered. The alleged loan was in default as far back as 2011, and any records Navient LLC has obtained are either incomplete, inaccurate, or they have not done a meaningful review. Either way, they have not answered properly in any case. In addition, the conflicting information received from Navient, as to who they are, has prompted me to file a FTC Identity Theft Report # XXXX. In one letter they are a servicer, the next an assignee. They say they are not a debt collector, but include a mini Miranda at the bottom of the letter. Navient 's lack of correct information, and confusing letters, warrants an investigation by the FTC as to how my personal private information was obtained w/o my authorization or knowledge. 
In any case, Navient LLC is not a creditor of mine, and even if they are working for another entity that purports to be a creditor, they would both be regulated by the FDCPA, and will abide by the provisions of such. I have on numerous occasions asserted my right to dispose of this matter under 15 USC 1692c. I have disputed the alleged debt. Navient 's only response is to continue sending me threating letters, and harassing me with phone calls, saying they do n't have to stop, and that I have no protection from them, along with threats of a lawsuit.
Consumer complaint received 2015-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

Bank of America accepted my mortgage for modification but I rejected their offer. Now when I make a full payment on my mortgage, they do not apply it to my loan but instead hold the money as a " XXXX '' until the payment is late and apply a late fee to my account. This has occurred for two consecutive months beginning when I rejected their offer of modification.
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (FL)

I have a checking account with TD bank and another checking account with XXXX, I did transfer XXXX dollars ( twice ) on XXXX XXXX from my TD bank account to my XXXX checking account ( XXXX ) the first one was credited to my XXXX account, the second one was rejected, on XX/XX/XXXX but on XX/XX/XXXX ( without my authorization ) they took {$500.00} dollars from my TD bank via XXXX again but it doesn't reflect on my XXXX account, I did contact TD Bank, XXXX and XXXX but I didn't have answer
Consumer complaint received 2016-08-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

my home loan went into default XXXX of 2015, I several attempts to bring my account current each time the rep stated the system would not accept the payment. Now my loan is in foreclosure status/ Modification supposedly additional information was needed far as my income, I have been waiting for a new modification packet going on 3 weeks among other things I received a letter stating no longer will assigned person be handling my loan any concerns contact the home loan team. Well I did just that to find out no one will is allowed to discuss my account with me
Consumer complaint received 2016-09-26
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America prevents me from paying my Bank of America credit card bill via their online system. Whenever I try, I get a message saying my account is not verified ( that is, the bank account from which I am trying to have the payment drawn from ). Bank of America has been given all relevant details about the other bank account ( a XXXX XXXX account ). When I ask their customer service operator why they refuse to accept any payment drawn from the XXXX account, I am told it 's because I failed to acknowledge the XXXX tiny deposits they 'd made to the XXXX account many months ago to " verify '' my account. I responded that I never noticed the XXXX tiny deposits from many months ago ( a few cents each ). And I was never told to expect them. They said they 'd sent me an email about that. I replied that I probably never opened it since either, a. ) I assumed it was probably an offer for additional banking services I did n't need or want, or b. ) It just got buried in my voluminous email pile and I never saw it. Whatever the case, can we just try to make the XXXX tiny deposits into my XXXX account again, now that I know what to expect, I then asked. I was told NO. I was told I would now have to submit an onerous level of identity/banking verification in order to merely be able to pay my credit card bill online. This includes cancelled checks. When I responded that I pay all my bills online and do n't really have any physical cancelled checks, all I got was vague justifications for this requirement. I was also told I had to go to the nearest XXXX branch and submit a special Bank of America form in which the XXXX branch officer himself verifies my account. And if I recall correctly, there 's one more step that involved going to the nearest Bank of America branch for addition verification and documentation. Basically, all of this is unnecessarily onerous and unreasonable. I just want to pay my credit card bill online like I pay just about everything else. No other bank or financial institution I have ever dealt with has been so uncooperative or imposed such obstacles to resolving any issue.
Consumer complaint received 2015-11-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I applied for assistance in saving my home from foreclosure. I hired an attorney to assist me. My attorney was advised my loan modification request was denied on XXXX/XXXX/15 verbally. However, my servicer Bank of America has not issued me a denial letter. I wish to appeal the denial as I believe I qualify and there must have been an error. In the meantime Bank of America has set a sale date on my home for XXXX/XXXX/2015. I have requested several times to have the denial letter issued to me and Bank of America does not send it. They refuse to issue it by fax or email to my attorney. They gave me a login and password for their web site stating I can see my denial letter on the web site and when I log in it will not allow me to look at anything. My attorney states they are purposely withholding the denial letter from me in order to burn the 30 days I am allowed to appeal. From what I can see my loan modification was denied on XXXX XXXX, 2015. To date I have no denial letter. Once XXXX/XXXX/2015 arrives they will have blocked me from my legal right to appeal the denial. Then I am sure they will try and go ahead with the foreclosure set for XXXX/XXXX/2015. This not only seems very unethical, but also illegal as I am told per RESPA Reg X ( XXXX ) am supposed to be given a denial letter and also given 30 days to appeal. I tried calling Bank of America again today and once I put in my loan number their phone system will not allow me to speak with anyone. Only leave a voice mail. They are purposely withholding my denial letter in an attempt to foreclose my home. They have been dual tracking my foreclosure process since XXXX 2015. What is the point of having Respa Reg X regulation when banks like Bank of America are not held to adhere to the law?
Consumer complaint received 2017-03-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

Navient enrolled me into an income based program over the phone. The program required automatic payments to be enrolled in the program. ( which I agreed to ) The program also granted me a forbearance for the time I was being enrolled into the program so that I would not be considered delinquent. ( when I enrolled in the program, I was not delinquent ) On the phone, Navient asked when I would like for my payment to be drafted. I requested for the payment to be drafted when my deposit hit the bank. On the phone, Navient said I would be fully qualified for the program after 3 successful payments. I said that was fine, being that the money will be automatically drafted. After the first payment was drafted, I found out they reported that I was delinquent and I did n't make a full payment. I was never told that the automatic payment would not be considered a full payment, nor did they ask me to pay the full payment ( which I was able to do at the time ) I also should not have been deemed delinquent because I was granted the forbearance for 3 months. Navient told me it took 3 months to process my forbearance which was why I was reported delinquent and they will not go back and change anything reported. I have had several forbearance with Navient in the past and it never took 3 months to process. Also, what is the point in granting a forbearance yet still reporting me delinquent? I have written several letters to get this resolved and called several times and they refuse to correct my credit report even though they took my money, never properly explained the enrollment process and refuse to honor the forbearance they granted me. This incident is preventing me from obtaining other loans and having a great credit standing.