davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I want to refinance my mortgage under the HARP program, but everytime I call Bank of America they tell me I am not qualified, but will not tell me why. In 2009 I applied for a HAMP modification and got the royal run around from Bank of America. I was told at an annual salary of {$75000.00} that I did not make enough money, then I was told I made too much. Finally, I got my congressman 's office in Virginia involved and while I got a modification, it was bank proprietary and turned my conventional mortgage into 40 years. Please help me. If I am not qualified, then please advise the bank to tell me why. Thank you very much.
Consumer complaint received 2016-06-02
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Dear Sir, This is in reference to my home equity loan with Bank Of America. I have issues with the bank conflicting statements. They provide me a certain figure eg {$180.00} to be deducted on the payment date. They have deducted {$220.00} without my consent, This is the third time they have done this. Although last two times, I have written a letter and personally gone to the bank to resolve this issue.
Consumer complaint received 2015-10-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America ( BoA ) [ after just settling a class action lawsuit for their predatory fees structures ] has instituted yet another predatory policy that charges customers an overdraft transfer fee of {$10.00} *per transaction* ( no matter the amount, and with no cap on # of fees XXXX for automatically moving funds to cover overdrafts between customers ' linked accounts. For example : today, I received an email notice ( after the fact ) that my checking account was overdrawn by {$14.00} and " overdraft protection '' was applied from my savings, along with an " overdraft transfer fee '' ( OTF ) of {$10.00}. This has happened before, especially when I travel and use my debit card during the weekends and holidays. I 've been charged {$10.00} fees on overdraft transfers as small as {$1.00}, and I 've accumulated XXXX dollars in XXXX fees over the last few months. There 's no human effort involved in moving my money between my linked accounts XXXX which I setup specifically with overdraft protection ), and no clear rationale for why {$10.00} is necessary for these automated transactions. BoA is just arbitrarily collecting fees because they can. That 's insane! I 'm a XXXX student, with limited income, and these fees are killing me. I 've contacted BoA several times to request refunds and adjustments to their automatic OTF policy with no success. Please help. This is a legitimate issue for folks with limited incomes and understanding of how to avoid/fight these fees.
Consumer complaint received 2016-10-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ClosingMark Financial Services, LLC (NV)

This complaint is linked to a previous case XXXX : My mortgage company has been paying the premium on my homeowners insurance per the initial terms of the mortgage. I have been receiving communications since XX/XX/XXXX that there was a lapse in homeowners insurance coverage from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and I am being asked to pay the mortgage company over {$4500.00} to obtain coverage for the same period. I have tried to resolve this with the mortgage company through written ( email ) and phone communications yet I have not been offered a proper resolution to the issue. I do n't understand being charged an excess of {$4500.00} to cover homeowners insurance for a less than four months period of time. I have tried to obtain coverage for the period in question on my own, but I am unable to get an insurance company to write a policy for a period in the past. 
Update XXXX/XXXX/XXXX : I still continue to receive notifications from South Pacific Financial that my escrow account has insufficient funds as a result of the above. Please see attached letter where I am now being charges {$2300.00} for the Principle, Interest, Required Escrow and Shortage Surplus spread despite the fact that South Pacific Financial had previously answered complaint XXXX with a statement that they would be making this payment on my behalf. Please reference XXXX for the statement made by South Pacific Financial. I have contacted the mortgage firm via email. My next mortgage payment is due XXXX XXXX XXXX and I need a correction made before then to avoid the overage charge. 
To be clear, this is all the result of negligent oversight on the part of South Pacific Financial. They failed to furnish property insurance for the time period in question. As such, the home had no insurance during the period in question.
Consumer complaint received 2016-10-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America claims the modification document states that the loan payments must be paid in the month for three months. The documents do not state that they can not be paid early, paid all at once or define how the payments should be made other than XXXX payments for XXXX, XXXX, XXXX. XXXX XXXX went as far to say on a recorded call that they should be made on the first of each month. I have now paid XXXX payments and am going to make my XXXX to be sure the modification goes through. I have attached my back up documentation.
Consumer complaint received 2016-12-31
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IA)

I had a mortgage on my home that was paid off in full XX/XX/XXXX when I sold my house. The mortgage was serviced by Ocwen at that time. XX/XX/XXXX, I applied for a loan on a new property. I was told by my lender that my credit report still showed an open loan on the property that was sold XX/XX/XXXX. Furthermore, the credit reports showed that I had been delinquent on the payments from XX/XX/XXXX to XX/XX/XXXX. I contacted Ocwen and they offered a " Satisfaction Letter '' and told me to take care of it myself. I contacted my lender and the credit reporting agencies, and was told this information regarding loan satisfaction needed to come from Ocwen directly in order to update the files and correct the error. Since then, I have made hours of phone calls to Ocwen requesting that they submit the correct information to the major credit agencies showing that this loan was closed XX/XX/XXXX, paid in full and that there is no delinquent balance. They have been extremely incompetent and unhelpful in getting any type of quick resolution to this matter. They continually tell me that they submitted the XXXX XX/XX/XXXX. This may be true, but it clearly needs to be submitted again with correct details because my credit report is showing incorrect data for the Ocwen loan at XXXX, XXXX and Equifax. This is now costing me and my family considerable time and money and it appears as though our only remaining option is legal recourse against Ocwen due to their gross negligence in reporting. We are talking about a loan of approximately {$960000.00} that they are reporting inaccurately, so a significant amount of money is at stake in this matter. All I have ever wanted to happen is for Ocwen to contact the XXXX major credit bureaus and report the corrected information which is : The loan was paid in full XX/XX/XXXX. 
There is no outstanding or delinquent balance. 

Ocwen has repeatedly proven inept, unwilling and uncooperative in resolving this matter appropriately.
Consumer complaint received 2015-06-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (IA)

I am a co-signor on my daughter 's student loans. She fell 60 days behind XX/XX/2014 due to a job change. She & I contacted Navient on XXXX/XXXX/14 and spoke to a rep named XXXX. During the conversation he told us that if she gave her checking account information for the payments & make on-time payments in the subsequent 2 months, the negative report to the credit bureau would be removed. My daughter agreed and XXXX reconfigured the loans into a retroactive forbearance as we watched the account on line. My daughter has made the payments on time since then from her checking acct. The negative report is still on hers & my credit reports. When I contacted Navient they simply responded that the information reported is accurate & no corrections are warranted. Is it acceptable to lie about rescinding the credit report to us and make a retroactive forbearance on the loan?
Consumer complaint received 2020-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX in 2015 say I owe them {$2400.00}. Id Like to first point out that the furnisher of the information is unreliable. I would also like to add that I have tryed many times with them and the credit bureau to resolve this but XXXX has Updated there info to match from my info I sent in to XXXX  and transUnion proving my name is incorrect and Birth year was incorrect. Many attempts to get them to remove a fraudulent charge has taken place even sending certified letters asking for information as to HOW they came to that conclusion but XXXX  and TransUnion refuse to acknowledge my letters by certified mail. XXXX  has already removed the account long ago but XXXX and TransUnion refuse to do so and refuse to answer my letters with my evidence of such that THEY gave to XXXX and XXXX changed the information to match I assume but NO contract and NO avail to correct this problem but they do keep updating there content on XXXX  and TransUnion. I have spoken to XXXX back in 2015 and had closed an account with them on good standing but then they placed this charge and said I owe for phones in Indiana in which I have NO knowledge of and argued the point many times to no avail. Never been to Indiana. No Family there Either so Fraudulent charges by XXXX. Please help me resolve this issue once and for all. Thank you.
Consumer complaint received 2015-12-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (HI)

Enhanced Recovery is reporting a Fraudulent XXXX account to my credit reports, this account was setup as a result of ID Theft and I have notified them of it and they continue to report the fraudulent info even after I requested they remove it under FCRA Section 605B and 623 ( a ) ( 6 ). I also gave them the case info for the lady that the Feds arrested that was selling all my info and fraudulent id documents as well! I am in the process of a home loan and if this remains it will stop me from getting a home and I will be forced to take civil action to get this removed right away!!!
Consumer complaint received 2020-11-19
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: EQUIFAX, INC. (IL)

I uploaded a letter to XXXX EQUIFAX AND XXXX and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. XXXX sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. XXXX doesn't have any files to verify this account, nor will they delete it.
Consumer complaint received 2016-06-02
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (TX)

my credit report is so absurdly wrong and the credit co 's do n't care Ive tried to straighten them out I get inquiries from my corporation onto my personal credit report and they wont remove them I 'm a XXXX and work for a co on my free time trying to raise money for my grandchildrens education and they think I own these corporations when it is in trust for my children. everytime I try to borrow money for the corporation they want to use my name I cant do that. they do n't understand but they put it on, my record anyway I want all this stuff removed please
Consumer complaint received 2017-01-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

INCORRECTLY CONTRIBUTED FALSE & FRAUDELENT INFORMATION BANK OF AMERICA NA BANK OF AMERICA incorrectly closed my checking account under inaccurate & false pretenses despite reporting unauthorized transactions being made on my account to a representative. As a result Bank Of America closed my account for cause instead of properly handling my fraud claim. Furthermore, future attempts to follow up on such issue has been mediocre and disregarded by the bank. Not only did they disregard or not properly handle my fraud claim, they proceeded to allow the unauthorized account access & transactions to be posted to my account. On top of that, Bank of America did not allow me to visit a branch or speak to representative in person without assessing a fee for such a service, which is extremely unfair. Despite the unauthorized use of my account and being victimized by fraud, bank of America proceeded to close my account right away with a loss which I ended up paying for being deceived by a representative that it would correct the issue. This was not the case, and bank of America and its employees refused to disclose to me information about my account, including the reason for closure & failed to investigate the situation properly. I did not find out the reason until I was researching my consumer reports. This type of behavior is unfair, deceptive and predatory. It is my belief that bank of America acted in an unlawful way when closing my account in reference to UDAAP & also discriminated against me for my gender, age, race and income which has injured me financially and economically.
Consumer complaint received 2015-05-18
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

My Request for Mortgage Assistance ( RMA ) application was denied due to my loan already reaching its original maturity date ; however I am appealing this decision due to the following Ocwen impediments which got in the way of a timely submission:1 ) No continuity of contact with Ocwen XXXX I 've spoken to XXXX agents and been assigned XXXX Relationship Managers in three months. 

2 ) One example of an unnecessary time delay was when I was rescheduled for an appointment 18 days after we got disconnected! 

3 ) Received inaccurate and inconsistent information on solutions in a timely manner as well as when and how I could submit the application. The HELOC is on a rental property that is " under water '' due to housing values in this area not returning since the great recession and hence no refinancing can be done to recoup the full principle balance ; however, I am still able to make the monthly mortgage payments. 

4 ) Ocwen 's inability to receive my RMA submission after being told where to send it and Ocwen 's inability to perform any appropriate follow-up in a timely manner.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-04-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (AK)

I called the company to get verification of debt. Asked them to send to me in writing. They refused to, They told me that i disputed the debt, I told them i have never talked to them before so how is that even possible. They said once the debt has been disputed, i legally have to pay the debt for it to go away, and they legally do n't have to do anything. I asked them to remove the dispute comment, because i never disputed it. They refused and said federal law says they cant once its been disputed.
Consumer complaint received 2015-09-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, I am victim of ID Theft. I have notified my craditor which is Bank of America, cash rewards platinum visa credit card and made sure all the documents were sent in properly through certified mail. I have been authorized the n payments of XXXX dollars in month of XXXX, XXXX and XXXX which was posted to my account as of now ending in XXXX. I made sure I check with the bank after 8 days to make sure thry have revived the payments and they confirmed. Then suddenly thr funds were transferred back to unknown or old account whixh was closed due to IDTheft. Since then I have asked them to send me a new card and they have held my card up. They have said they sent XXXX cards but I have inquired about both of those which they never mailed out to me. Then I was told that if was waiting approval bur for what? I have been member since 2009 and had a excellent payment history. Holding my credit card whixh was made avai to me is a credit discrimination with the IDTheft victim. I was then told you will revive your card in 3 to 7 Bussiness days but never recited it. I am constantly paying the payments on the card on date we both agreed upon but I am not having the previalage to have my card avail for me to use. This is no coincidence that once I had disputed those amounts and pointed out lack of communication within department and how security of a member is been secured their authenticity is challenged. On order to defend their respective concerns they have held my card so I ca n't use or make future references which can make their side look bad. I would love to sue them for not sending my card and violating my rights as they ca n't just cancel or take my card once I am I 'd theft victim and then I have excellent paayent history. Thus they have to reimburse me for the discomfort thry have caused me by doing such actions.
Consumer complaint received 2016-01-15
Product: Credit card — 
Issue: Bankruptcy — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a Ch. XXXX Bankruptcy in the XXXX XXXX of California on XXXX/XXXX/XXXX and after completing the plan was XXXX on XXXX/XXXX/XXXX. In accordance with the Chapter XXXX plan, the Trustee paid BANK OF AMERICA/FIA CARD SERVICES in full. 

XXXX reports BANK OF AMERICA as " Derogatory '' and as " Negative Account, Closed Account ''. It continues to report the status as " Wage Earner Plan '' and the " Date Reported '' is " XXXX/XXXX/XXXX '', which is after my bankruptcy discharge. BANK OF AMERICA continues to report a balance of {$19000.00}. 

XXXX reports BANK OF AMERICA with XXXX " Derogatory '' and " Potentially Negative Closed '' accounts, XXXX of which appears to a duplicate and is incorrect. 
The first account # XXXX reports " Payment Status : Making regular payments under XXXX. '' and reports a balance of {$19000.00}. 
The second account # XXXX reports the " Account Type : Banks and XXXX '' ; it should state Credit Card Company. It continues to report the " Payment Status : Wage earner or similar plan ''. 

XXXX reports BANK OF AMERICA accounts as " Derogatory '' and as " Credit/Revolving Accounts ''. It continues to report the " Status Payment Plan ''. This account should also be reported as closed. 

I have disputed the incorrect information with XXXX, XXXX and XXXX on numerous occasions to no avail. On XXXX XXXX, XXXX, I mailed certified letters to XXXX BANK OF AMERICA addresses, the address listed with the Bankruptcy Court and the addresses listed by XXXX, XXXX and XXXX, respectively. The incorrect and inaccurate information continues to negatively impact my credit report, credit rating and credit score. I am seeking your assistance in resolving the inaccurate reporting of these accounts to the credit bureaus listed above.
Consumer complaint received 2016-08-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Mailed mortgage payment to Bank of American on XXXX XXXX, 2016. Bank of America received the payment on XXXX XXXX. The payment has not been posted and today is XXXX XXXX. I called them on XXXX to let them know that they had signed for the payment on XXXX XXXX, but the payment is still not posted to my account and today is XXXX.
Consumer complaint received 2016-03-29
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XXXX/XXXX/2016 Capital One called me and asked me to verify that I was me and asked for copy of my driver license, social security card and electric bill. When I told them I did not have an electric bill, they then asked for my bank statement. When I refused, they then threated to not only to close the account I had just applied for, but also the account I had for over a year. After speaking to their representive for about 30 minutes asking for a supervisor without her giving me XXXX, I did tell her to close the accounts in frustration. 
I believe that was too much information, as well as being disrespected by their representive by not allowing me to speak to anyone besides her. 
Later that night I called back and was told by a supervisor that was the only way to keep both accounts open. Even the original XXXX. He also told me a more secure way to send they information rather than faxed as I was told at first. So, I sent it. However, the account was closed anyway.