davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-19
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XXXX XXXX, 2015, I noticed a fraudulent charge from XXXX XXXX in the amount of {$94.00} on my checking account with Bank of America. I went in to my local banking center and talked to a private banker. He assisted me to cancel my debit card, in addition to filing a claim and told me that the next day the funds should be returned to my account. The funds were credited back to my account the next day as I was told by the private banker in the location. All was corrected and no harm was done ... so it seemed. 

Then on XXXX XXXX, 2015, I noticed another charge on my account for the same amount of {$94.00}. I called customer service and they told me that the claim had been denied and claimed that they could not tell me anything more. I was then transferred to the fraud department after being put on hold. Finally the representative from the fraud department informed me that the claim had been denied and that the fraudulent charge had not even been posted to my account. They had deleted the entire transaction and any records of it from my account. And they would not assist me in informing me as to why the whole charge and records had been wiped. 

Next I was told that I would have to go through XXXX XXXX in order to get my money back. I called the customer service there after doing a quick search on XXXX to obtain it and they told me that they could not find the order that was fraudulently placed on my card when they searched for it using my name and zip code. I was then transferred to their corporate offices. I spoke to XXXX there and he told me that he would need my card number in order to search for the order. 

I had to call the bank again to obtain the card number. Then I called customer care back at XXXX XXXX and the representative refused to transfer me back to corporate. They told me that they could not locate any trace of an order ever being placed with my card.
Consumer complaint received 2015-10-28
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (VA)

This is a payday loan that I do not remember taking out from back in 2003. I received a phone call stating they were NOT a collection agency that they were sending the information over to swear out a warrant in debt against me for XXXX if paid today or XXXX if not paid today. I have not received any notification for this debt in over 12 years but I remained in the same area. I asked for information about the debt the first gentleman ( rudely ) suggested that I had this money wired to my bank account and presented a check on an account that was closed. This is not the case as they verify that accounts are open prior to giving funds to anyone. Further when I asked for the location or information about the original creditor I was provided with my maiden last name, a last four digits of an account and routing number that supposedly belonged to me and the year of 2003 but no real information pertaining to the creditor. The did give me Ace Check Express but could not provide me with the city, state, store number or circumstances around the attempts to collect the debt. Further, I told them that I was in a Chapter XXXX Bankruptcy and that they would have to wait until I contact my attorney because all debts that were on my credit report were placed under the bankruptcy. I was told specifically that they are not affected by my bankruptcy because intentionally do not report to the credit bureaus for that reason alone. This is unfair to me as a consumer and I would like this investigated. They are defrauding the bankruptcy system and it should not be allowed. Further their collection efforts were weak and non existent over a 12 year period where I was in a high visibility job and in the area. XXXX is the number I was contacted by and now I feel as if I am being extorted.
Consumer complaint received 2023-08-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Credit One LLC (NY)

This loan was taken out in XXXX. I lost my job and could not pay it has been on my credit for over nine ( 9 ) year. I disputed the loan with the original creditor Marine Financial after XXXX years the company sold it to a collection agency XXXX XXXX XXXX who is now saying that this was open in XXXX, which is not true! this was open in XXXX. I do not owe this collection agency any money they have nothing with my signature stating that I borrowed any money from them. This was removed from my XXXX but remains on XXXX.
Consumer complaint received 2015-09-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America has refused to give me any credit for a {$4900.00} check that was taken, but not processed, by a malfunctioning ATM ( ATM ID XXXX at the XXXX XXXX XXXX, XXXX, PA XXXX location ) on XXXX XXXX, 2015 at approximately XXXX. I am a student at XXXX XXXX XXXX XXXX XXXX. The check was issued by XXXX University as a tuition refund. I spoke to multiple supervisors at the branch, including the Branch Manager, XXXX XXXX. I also spoke with multiple supervisors in the Electronic Claims Services Dept. They refused to give me any credit for the check, although I explained the circumstances of the malfunction, including the amount of the check, the issuing party, and my relationship to the issuing party. 
Additionally, I cited a previous instance in which a Bank of America ATM took approximately {$400.00} cash that I deposited. I was given a {$200.00} dollar credit while they investigated the issue. Yesterday, Bank of America informed me an investigation would take 1-10 business days to be resolved. XXXX XXXX advised it would take 2-3 weeks to cancel the check and have another re-issued. Bank of America declined to issue any credit for the check due to the amount of the check. Moreover, today I was informed by an account manager that there was no record of my card being used at the ATM, nor any record of the check at the ATM ( XXXX XXXX was witness to this conversation ).
Consumer complaint received 2016-10-04
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY (IL)

I had to obtain private student loans throughout my college career so I could obtain my bachelors. Without the loans I would not have been able to complete by degree. I am very thankful I was able to stay in school however at this point in my life, I am not able to afford my full payment and Wells Fargo will not give me any alternative payment options. I have tried to consolidate my loans and have been denied and I am not eligible for a review of my loans because of my cosigners incomes. My parents cosigned my loans however will not help in repayment. I have a daughter now that is XXXX and I am a single mother so making these payments is impossible. I would love to repay them, but I just ca n't afford what they want per month.
Consumer complaint received 2015-07-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

I lost my job on XX/XX/XXXX, I contacted Wells Fargo and requested a loan modification, it was denied. I was re hired by my prior employer XX/XX/XXXX and requested to Wells Fargo to give me a home modification ; I also begin to do regular payments, I am an XXXX at the XXXX. Members of the XXXX are protected for foreclosure, however Wells Fargo does not recognized my military status and my good intentions to pay my mortgage. I have submitted all the documentations to XXXX XXXX XXXX a home preservation specialist, he however had stated that he have not received them. 
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX Housing Officer ) had contacted them, nevertheless Wells Fargo promise to help and then fail to their promise. The office of family support from the XXXX contacted Wells Fargo, however Wells Fargo was unwilling to help. My home suffered major foundation damage from the flood, in addition appliances were destroyed. I have been paying for all this. FEMA came to my house and witness the damages, I am currently submitting estimates for some of the damages that I have not been able to cover. Wells Fargo had affected my credit ( I am unable to take a loan ), they had affected my mental health ( I am under emotional treatment due to their harassment ).
Consumer complaint received 2016-03-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (TX)

I was overcharged by original creditor. I contacted original creditor about the issue, original creditor corrected bill, and I paid the bill in full. Nearly two years later, I found that a collections agency has reported this debt to ALL XXXX credit reporting agencies. I have not received a bill from this collection agency, nor have I been contacted by them in any other way. In fact, I do n't even know where they got the {$120.00} figure from that they claim that I owe. It is not the original amount owed, nor was it the difference between the original bill and the corrected bill, and since I paid the corrected bill in full, it is DEFINITELY not an outstanding balance. I DO NOT OWE ANY MONEY TO THIS COMPANY, AND IT SHOULD NOT BE APPEARING ON ANY OF MY CREDIT REPORTS.
Consumer complaint received 2017-01-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Bank of America continually uses their various account access resources ( web module, mobile app, etc. ) to display incorrect balances for my account, causing me to confidently make purchases for which there are no actual funds. These transactions results in irreparable " overdraft fees '' which are exorbitant and unnecessary. I have repeatedly asked that my ACTUAL balance be shown, that my transactions be made in chronological order, and not in a predatory hierarchy, and that transactions for which there are no funds simply be denied rather than overdrafted. When I bring up these concerns I 'm assured that my concerns will be met. I write this currently overdrawn, because an overdraft fee was issued when my account displayed one amount of money, and a purchase was made for LESS than that amount of money. I was told this was because I did n't ACTUALLY have that much money in my account at the time of purchase ... .well then why in XXXX 's name did your app, your website and your ATM all say I did??
Consumer complaint received 2016-04-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Windham Professionals, Inc. (MD)

in 2000 I was approached by student loan officials at the University XXXX at XXXX Maryland where my son was attending at that time. I was was told this was a " parent plus loan '' that it was for the student in their name but that the parents were simply cosigners. that was the exact terms used. now these NASTY collection companies are calling me and sending these nasty letters to me. the original loan was for something like {$3500.00} now this collection is sending threatening letters to me telling me they will garnishment my wages for the now amount of {$7500.00}. this was NEVER understood to be my loan. 
I have not talked to my son in over 7 years and I do not even know where he lives or works..
Consumer complaint received 2017-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (GA)

I filed for a discharge with XXXX once I terminated my classes due to the fact that I was not employable in the XXXX field due to my XXXX and XXXX XXXX. Once I was told I would not qualify for any employment I immediately resigned from my classes @ XXXX University. XXXX XXXX told me I needed to file a discharge based on failure to benefit when I did they refused my application and wanted me to put a different school, aa school I never attended. Then I was told to file a discharge based on school closure. Because I attended XXXX and it changed to XXXX. And personally I would have never attended XXXX College and was not attending an XXXX College due to the fact their diplomas and certificates were not vaild any where. After I filed, XXXX XXXX refused to accept my discharges kept telling me the school info was not correct and I explained to them I never attended XXXX, That was not the name of the school I signed a contract with and I never stepped foot in the doors of the school once the name had changed to XXXX. Also I noticed that XX/XX/XXXX it stated I went to school again, I did not apply to go to school nor did I sign up for school or attend school XX/XX/XXXX. I moved to XXXX XX/XX/XXXX I have tried disputing this charge for long time Navient and XXXX XXXX keep claiming that it is mine nd I told them I NEVER went to school or attended classes XX/XX/XXXX. I have also conteacted The Dept Of Education Obudsman and did n't receive any help there. So now I am being informed that years ago I should have been offered the repayment plan based on my income, and I was never once offered that plan. they just kept sending me to forbearance and deferment, after telling them I was on SSI and had no other income due to my XXXX, If the law was based that I was eligible for the student loan repayment and then forgiveness based on ability to pay I would n't even have these loans. So now my loans are inflated with ridiculous interest charges, I cant get no credit due to my debt to income ration because of my student loans. Then I found out they took it upon their selves to consolidate loans. and when I asked for a promissory note they could n't provide one from XX/XX/XXXX when I applied for school at XXXX. But instead they sent me something from XX/XX/XXXX that I never seen. So I am looking for help to either discharge my loans, get into the payment plan based on income, and get rid of all those interest charges, I am willing to negotiate based on the original amount before I was blind sighted by highway robbery and thievery from XXXX XXXX and Navient. XXXX XXXX XXXX University ( XXXX Colleges ) for Online classes thru XXXX.
Consumer complaint received 2017-02-23
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Performant Financial Corporation (CA)

A few weeks ago, I was was called in the operation managers office, because someone called my employer requesting payroll/employment information about me. I was told the name of the company was Performant Recovery Inc . 

I was stunned because i had no knowledge of who/whom was inquiring about my employment and i assured my employer that i had not been sued and there was no court order in place for my wages to be withheld. 

I was provided the name and number of the representative to call on my own. However, a few days later i received a notice prior to wage withholding from Performant Recovery , Inc . 

Please be advise ... i have no knowledge of what the debt is for. I was never contacted initially by them. I never received a collection notice so the debt was never validated ... .. they went straight to my employer to try and garnish my check and sent me a notice later to advise me of what it is they are trying to do to me .... which is bully me into paying something i know nothing about and could have possibly lost my job.
Consumer complaint received 2017-01-08
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I gave you a detailed explanation with documents on " what happened ''! You ARE NOT ON OUR SIDE!!! You 're a XXXX XXXX that collects money from we taxpayers with no real intention of helping anyone! You 're a XXXX farce, a fake! and SOON you will ALL be exposed for the XXXX, the demons, the discredit to the human race that your are!!!!
Consumer complaint received 2016-04-10
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (DC)

Wells Fargo sold my mortgage to XXXX XXXX XXXX ( XXXX ). Wells Fargo has a functional website and easily available customer service. XXXX is difficult to get in touch with and get help from. Every interaction I have with XXXX makes me angry. It 's bait and switch to get financing from a company with a good reputation and then get handed over to a horrible company.
Consumer complaint received 2023-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Account has been reporting inaccurately for years. I disputed with the Credit Reporting agencies and the XXXX and XXXX continue to violate my rights. 
Per the dispute results that I received on XX/XX/XXXX. XXXX stated that the company certified the account to be accurate. 
Balance showing of {$2000.00}, but the account is reporting as charged off. Inaccurate reporting for 49 months which is a violation of the FCRA. Balance should be XXXX On XX/XX/XXXX XXXX reported my balance as over the limit? The account should not report a balance as has been charged off- proof attached Payment history is incomplete and inaccurate. 6 months of payment history missing from XXXX of XXXX XXXX of XXXX. Payment history makes up 35 % of my credit score Account showing ND for 1 month XXXX has been inaccurately reporting, in addition, I asked for the 1099 as the account was charged off due to my financial hardship XXXX refuses to comply. 
I filed a complaint with OCC and XXXX.
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.
Consumer complaint received 2016-07-05
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I 've had a bank of america credit card for XXXX years. This month I was charged XXXX $ interest fee on purchases, with a purchases balance of XXXX $ that ran out the XXXX percent apr on XXXX/XXXX/2016. I had been diligently paying the card off, but found out that those payments were always alloted to my promotional 0 % offer of balance transfer currently at XXXX $ that does n't expire for another year. They say they have the right to apply the payments to the oldest promotional offer, but the wierd thing about it is that they intentionally were not showing me that truth on my statements. In my statements for months now they state the XXXX promotional offers and their expiration but next to them where they say " balance subject to interest rate '' all the lines just have had XXXX. So I was never shown the balances of my promotional rates, They kept that to themselves. Basicly so I would n't notice that I was paying off my XXXX percent and piling up my now to be 20 % interest rate. This is underhanded and a direct lack of transparency that misleads the consumer. I 'm wiser now but in worse financial status that I would have been had I known, had they disclosed in their monthly statements what my balances subject to different rates were. Which seems to be the whole point of having that interest summary at the bottom of every statement. But its intentionally left undisclosed so that I do n't have enough control or choice over my relationship with the card issuer.
Consumer complaint received 2015-08-07
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MD)

I was having a hardship that caused me to get behind in my mortgage but now I 'm able to pay my mortgage. I asked for assistance with the past due amount and they are unwilling to listen or assist me they just want to put me into active foreclosure.
Consumer complaint received 2015-06-11
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My credit card has been replaced many times ; each time I am given a new credit card and debit card. As soon as I use my debit it gets compromised. I have had at least XXXX new cards in less 6 months -- see attached information being scanned to you.
Consumer complaint received 2016-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (CA)

XXXX XXXX XXXX in XXXX XXXX, CA made false claims that they would provide job prospects and placement upon graduation and sold high cost loans to pay for that false hope then harassed me for overdue debts while I was in school. The school never intended to extend classes to allow me to finish my educational program. I made several attempts to continue classes but the school never complied. This was negligent on the school. I did not get the opportunity to finish school, so I was never allowed to get job placement. I filed for discharge on the loan based on False Certification Ability to benefit and I am in legal pursuit for debt forgiveness by defraud.
Consumer complaint received 2015-07-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

As a way I am sure to make banking " more convenient '' my bank, Bank of America, now allows withdrawals from their teller assist ATMs with just a drivers license. Since this transaction is not conducted with a debit card the normal consumer protections allowed under REG E apparently do n't apply. A fraudulent ATM withdraws of {$1200.00} was conducted using just a drivers license as a form of authentication through their new ATA machines in a locale I have never visited over XXXX miles away from my home. When notifying them of the fraud the next day the bank explained this case would be treated as identity theft instead of a fraudulent transaction and would follow a different investigative course and remedy. Meanwhile we are out significant funds as the bills mount while an investigation takes place.
Consumer complaint received 2016-12-23
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WELLS FARGO & COMPANY (CA)

I sent money to my brother, utilizing XXXX Surepay through my Wells Fargo account. The system utilizes the recipient 's email and is supposed to send the recipient a notification on how to get the funds into their account. I can not see the destination account. My brother says he got the email, but after following the instructions he could not retrieve the funds. The amount was {$400.00} and this was done on XX/XX/2016. Since he could not retrieve it, I asked Wells Fargo to restore the funds to my account. XXXX claimed they could not do that. So, the funds are not in my account, nor are they in my brother 's account. No one at XXXX seems to know where the funds are or how to reverse the transfer. I sent a letter to XXXX in the XXXX Mail on XX/XX/2016 and have received NO response. XXXX attached. 
How can I get these funds returned?