davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My husband died two and one-half years ago. The XXXX mortgage on our home is with Bank of America ( although it was originally a Country Wide loan, from a refinance in XX/XX/XXXX ). When we first obtained, in XX/XX/XXXX, our home the loan was in both of our names, but the refinance was obtained in just my husband 's name as he was fully employed at the time. The title was in both of our names as well. 
Since his passing, I have been making all of the mortgage payments, my name is on the deed as the Surviving Spouse, and, I am the Executor of my husband 's estate. 
I can not qualify to assume the loan, as my credit score is low ... ..during my husband 's illness our financial situation worsened and I went into debt with a few credit cards. I am XXXX and my financial situation and business situation has been improving and I am attempting to pay off the credit cards. 
Bank of America has told me that to allow me to assume the loan would be " preditory lending. '' Another comment from Bank of America is that in the past they would have been able to allow me to assume the loan, but they no longer can. 
All the payments I have been making are my checks, signed by me, but the loan account remains under the Estate of my husband, I would like to assume the loan and hopefully be able to then apply for some hardship program after the death of my husband. Maintaining the current payments at 4.9 percent is very difficult for me, and if my interest rate could be adjusted I would be most grateful, but I do not know how to go about it. I would have paid off the credit cards sooner, but I have had serious expenses related tot he house : last year the septic system had to be replaced, this year the well system has to be worked on. I really do want to maintain the integrity of the property, as I have lived here 30 years and have raised my children here and it was both mine and my husband 's hone, but I do not see which way to turn. 
I would be extremely grateful for your help. Thank you.
Consumer complaint received 2016-11-09
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NY)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2016, 60 days XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2016-09-25
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (AL)

Please explain, in detail as the reason account number, XXXX ( current Caliber account number ) was listed on " Notice Of Sale Of Ownership Of Mortgage Loan '', " date of ownership being transferred, XXXX XXXX, 2015 '', with servicer listed as XXXX XXXX XXXX. Why was I instructed to pay, account number XXXX, to XXXX XXXX XXXX, through XXXX 2015, when attached, .pdf documentation, clearly states, account number, XXXX? 

What date, did your company acquire my account? What date did your company start servicing my account? Does your company act as the servicer, and Master servicer? Please provide to me the name ( s ), mailing address, and actual on site address, of servicer, and Master servicer, please. 

Also, please provide details, as to whom ordered BPO, dated XXXX/XXXX/2015. 

Thank you for your cooperation as we do n't want to lose our home and this information will help us to save our home.
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I beilve I have been impacted by the hard inquiry glitch issue that has been affecting transunion, I have made numerous attempts to have these inquiry 's removed from my report as to I have not inquiried for the credit there stating I did, I have no gave my consent for these company 's to inquire credit on my report, I have listed below the inquiry 's that were fraudulently placed on my credit file XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX CBNA/sears. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX
Consumer complaint received 2015-12-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NH)

This complaint regards XXXX signature student loans disbursed XX/XX/XXXX and XX/XX/XXXX. The loans are currently held by Navient XXXX XXXX XXXX. 

I am currently in school at University of XXXX XXXX XXXX XXXX in XXXX, New Hampshire. I entered this school XX/XX/XXXX. Each year, I filled out a new deferment form for my prior student loans. This fall, I had to do the same. 

I went onto Navient 's website and printed out the required deferment paperwork. I had my registrar complete the paperwork and fax the documents to Navient. Navient 's website says that deferment requests may take up to 21 days to process. I waited the three weeks. The website continued to say that I needed to make payments. I never received even a letter or an email confirming or denying my request for deferment. I occasionally got a message from my parents that Navient had called, always during school hours, but had refused to tell my parents why they were calling. I had my parents inform Navient when the company called that I had sent in a deferment request, but they would n't accept the message. 

I repeated the process, having my registrar send another deferment form, in case the first one had failed to successfully reach Navient. Again, the website never acknowledged the deferment request in any manner. I did not receive an email or a letter regarding the matter. I called Navient, and the automated message said that the deferment request was pending. When I finally got through to a human being, they told me, for the first time, that my loan was no longer eligible for deferment ( apparently I had used the allowable 48 months ). 

This information was not available online. This information was never conveyed to me by email or letter, even though I received numerous other letters and emails indicating that payment was due unless I enrolled in deferment or forbearance. And every attempt to contact me by phone occurred during school hours with Navient 's representative refusing to leave a message. 

It should have been so difficult to find out that my loan was ineligible for deferment, even though I am still in school. It was unreasonable for Navient to fail to respond to XXXX separate faxed deferment requests. 

If not for this asinine process, I would have made my payments on time. I would not have incurred late fees and the added interest. 

XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXXXXXXXXXX
Consumer complaint received 2016-09-09
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL (MA)

A XXXX citizen who went to XXXX XXXX for {$1800.00} worth of dental work. Could not afford to pay upfront ; XXXX XXXX told me to use their payment plan. A foreclosure prevention counselor at a non profit anti poverty agency explained to me that it was a care credit card with a XXXX interest rate. She also showed me that only pay the monthly amount would cost me over {$5000.00}. XXXX did not explain this to me and did not tell me that I may have other options to pay this bill
Consumer complaint received 2016-03-29
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Attempted to foreclose on home without reason and proper notice or documents. I also must say that when I notified XXXX of the issues they seemed to really want the issues resolved and did give me the impression that they were not involved in the fraudulent issues at all. I do believe that they were an innocent party in the document production and were not interested in moving forth when they were made aware of the issues. I am filing this claim because it seems that the companies have changed but that they may also have in their files this information in case I have to deal with them as substitute trustees again. I has come back to them 3 times in the past. I have attempted to follow thru so that truly innocent companies are not drawn into where not involved. They listed my home on the internet for sale without notifying me for foreclosure .They were given incomplete info for doing so but proceeded anyway until I contacted them. Had someone not told me it would have been accomplished. I want this resolved
Consumer complaint received 2017-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed these medical bills they are fraudulent I have full coverage medical insurance from XXXX and before that my job gave me insurance .I have asked this company XXXX to give to me the original signed documents also i have ask the credit companies transunion for my signature on these documents, they have had months to show me the original documents they have not done it.I have this right. Or they need to take these off my credit report .this is a scam collection agency account resolution services they never provide original signed documents.
Consumer complaint received 2016-05-01
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (MA)

Barclays charged me for a late fee for a card I never applied for or ever used. 
I had an XXXX XXXX XXXX XXXX card I used. I had used the card on a transaction for {$27.00} in XXXX. I paid XXXX XXXX when my bill came in as I always do. Never late. 
Unbenounced to me, XXXX XXXX had switched these cards to Barclay. Barclay issued me a card, which I threw away. They assumed the charge and then added a late fee. 
I never authorized Barclays to send me a card, I never made a charge with them and never owed them money. I paid my bill on time. 
I got a bill from Barclays for late payment. This was actually equal to the amount owed {$27.00}. 
I called Barclays, cancelled my card and challenged the fee. They jept me on the phone, trying to sell me products but never addressed my issue. 
I would like to know how a company can sign me up for a credit card and then charge me late fees for money I never used from them. I never activated the card or used it and I paid my bill on time to the company I made the charge with.
Consumer complaint received 2018-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX  ( XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXXXXXX XXXX XXXX ( XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX ( Transunion :, XXXX XXXX XXXX ( XXXX  : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX ( XXXX : XXXX Transunion : XXXX, XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX ( Transunion : XXXX, XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : 6X ), XXXX XXXX ( XXXX : XXXX Transunion : XXXX.
Consumer complaint received 2015-05-14
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CURO Intermediate Holdings (CA)

I currently have an installment loan in the amount of {$2600.00} from Speedy Cash which I took out in XXXX of 2014. At the same time, I also have XXXX {$300.00} payday loans from XXXX different storefronts in my neighborhood, including Speedy Cash. So basically, I have both a {$300.00} payday loan from Speedy Cash and a {$2600.00} installment loan. Is that legal? 

I am drowning in debt and I ca n't handle it anymore. I need some relief. This is very stressful and expensive for me, and I do n't know what to do. I already filed XXXX other complaints about my payday loan situation, XXXX for each of the different lenders. 

I 've been paying about {$140.00} every two weeks on the Speedy Cash installment loan, and I 've already paid {$2200.00} between XXXX of last year and XXXX of this year. But my total balance as of XXXX XXXX is still {$2600.00}! How is this even possible? Are all my payments going toward interest only? 

I ca n't keep paying on all these loans. I need to prioritize my rent ( {$1100.00} ), car payment ( {$320.00} ), insurance ( {$180.00} ) and my other basic needs like food and utilities. After taxes, I only bring home about {$1800.00} a month. So this is really hurting me and I 've reached my breaking point. I 'm struggling to figure out a way to get out of this deep financial hole that I 'm in. I do n't want to default on the loan, but at this point I 'm not seeing another alternative. I recently received XXXX utility disconnection notices from my gas, water and light companies. 
To make matters worse, I 'm also facing being laid off from work in the next few months. 

I need help. I do not have the ability to keep paying on this loan and the other payday loans. I recently found out that it 's against the law for lenders to extend multiple loans to a borrower with an outstanding loan. I 'm wondering if it was legal for Speedy Cash to give me a payday loan and a {$2600.00} installment loan at the same time? Also, someone told me that in California, there are no interest rate caps on loans above {$2500.00}, and that might be a reason why I got a loan for {$2600.00}. Intially, I did n't want that much money. I only wanted to borrow {$1000.00}, but they ended up lending me way more. Now I 'm having trouble paying it back and my principal is n't decreasing with my payments.
Consumer complaint received 2015-09-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

The account listed as an open collections account listed under XXXX AD in the amount of {$860.00} is incorrect. This account should have never been placed in collections to start with. Also, it was disputed in XX/XX/XXXX 2014 and to be removed at that time. As you can clearly see from the attached documentation, I do not, nor have I ever owed this money. My health insurance plan at the time offered a {$1000.00} PPO discount with XXXX XXXX XXXX XXXX original creditor ). This left me a balance of {$320.00}. I was told XXXX that I only needed to pay {$300.00}. My cancelled check is attached as well. Please remove this account from my credit report.
Consumer complaint received 2016-12-26
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: SYNCHRONY FINANCIAL (GA)

While reviewing my credit report, I see a credit inquiry from Synchrony Bank made on XXXX/XXXX/XXXX for XXXX XXXX XXXX. I sent a letter to the bank on XXXX/XXXX/XXXX requesting that they remove the inquiry because it was NOT made by myself nor given the authorization to do so and also asking for documentation supporting this inquiry. I received a response on XXXX/XXXX/XXXX stating that it was submitted electronically online and that they are NOT able to provide proof that this was made by me. I 'm XXXX sure that I did not inquiry about a credit account with this bank, especially for XXXX XXXX XXXX. With all the different kinds of identify fraud being used on computers. Anyone can try to obtain credit in someone else 's name especially in the event it 's not done in person with proof of them saying who they say they are. For a company not able to provide me with proof is very alarming and violates my Credit Reporting Act.
Consumer complaint received 2015-04-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CO)

I am the co-signer for my daughter 's loans. She is unable to make payments so I took over the payments. I pay each loan separately, electronically ( by loan number ) through my bank, before the due date. I received a call today, XXXX XXXX 2015, telling me XXXX of the loans were late. When I returned the phone call, I found out Navient had placed the money where they desired, not where indicated on my electronic payment information. This caused the delinquency. I was on the phone for over an hour trying to fix the situation, I was transferred XXXX times, to different departments. If I send the payments separately, by loan number, how can they take the money and put it where they want? The loans were not delinquent. All XXXX payments were sent before the due date of XXXX 2015. I asked the customer service representative and all he did was transfer me to the person who was supposed to fix the problem. I spent XXXX minutes on hold while she worked through the problem. When she was finished, I asked her the same question. Her answer was that she did n't know. Before hanging up, I requested individual monthly statements be mailed to me for each loan I cosigned and a statement stating this problem was fixed. Navient may be a separate company, but they are still XXXX XXXX at the core.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Your company has responded to my complaint with nothing but just an update on the accounts that I have requested for you to remove/delete. I am immensely disappointed because this is causing me huge XXXX and my daily lifestyle has been affected.
Consumer complaint received 2017-01-13
Product: Credit card — 
Issue: Balance transfer — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

In XX/XX/XXXX, I did a balance transfer from another credit card to my Capital One credit card with a 0 % APR. Between XXXX and XX/XX/XXXX, I paid a total of {$2000.00} to my Capital One card, assuming that I was paying off that balance transfer, whose rate would expire in XX/XX/XXXX. To my dismay, after paying several large amounts, I was surprised to look at my statement and see that Capital One was not applying my additional payment to the balance transfer amount but to my outstanding ( purchase ) balance. When I spoke to customer service at Capital One, they told me that " Capital One applies your minimum payment amount to pay off lower-rate balances before paying off higher-rate balances. We apply any amount in excess of your minimum payment to higher Annual Percentage Rate balances before lower-rate balances. '' In other words, if you have a balance on your credit card, it will be difficult even impossible to pay off the balance transfer amount and the consumer will end up incurring interest on that balance transfer even though Capital One is supposedly giving you a 0.0 % APR " deal ''. That is not made clear unless you read the fine, fine print. I have contacted Capital One and asked that they reallocate my payments.I have not heard a response from them yet, outside of saying that they received my message, after almost a week.
Consumer complaint received 2016-12-26
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have been a victim of fraud in XXXX I received a phone call saying they were from bank of america and they were calling from the loan department saying that I qualify for another loan modification everything seem so real paperwork had bank of america logo and calls were made from bank of america loan department he will always call me to make sure I made payments on time I made XXXX payments by XXXX he say it will go direct to the loan modification department I when I was ready to make my third payment I made a mistake and XXXX and when I was trying to make the corrections they told me to check with bank of america because there is been a lots of complain of people been fraud so I call bank of america and talk to them they say there is no modification been offer to me I walk into a bank of america on my home town and show them all paper work and to them they say it all locks legit they fax all paperwork to the loan department but they insist that there in no modification they recommended for me to go to the police station but police told me that I need some kind of report from bank of america that say that I reported this to them I been calling bank of america there is a report on the fraud department but now they say they can do anything for me now my hose is going on foreclosure bank of america told me to do a short sale bank of america does not care if they leave a family on the streets I been a victim of a fraud some XXXX is impersonating bank of america and nobody cares about it I do I do not want to lose my house and I need to help prevent this from happening to someone else the reason I am writing is because I need some kind of paper that say that bank of america is aware of this issue to take to the police department so they can open a case so please I will like for you to send me something so I can report this to the police
Consumer complaint received 2016-01-23
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: HW Holding, Inc (IA)

hunter warfield has contacted my wife 's parents multiple times as well as my brothers mother in law try to get in touch with me, after we contacted them and gave them updated information ( i.e. address, telephone, and email ) we have requested a detailed bill explaining why i have an outstanding balance, and have never received it. last time i talked to the guy 1. he was a XXXX and questioned me as to why i needed a bill, and 2. i told him we would n't be paying anything until we got the detailed bill.
Consumer complaint received 2015-05-22
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC. (NV)

I am XXXX of the victims of XXXX minority borrowers to pay higher rates to Ally Financial, according to a complaint filed at federal court. U.S. Justice Department and regulatory claims that the firm helped car dealers inflate the cost of auto loans to XXXX and XXXX borrowers. Due to a very high interest rate, it 's been very difficult for me to make the car payments. I 'm currently in the XXXX and last request for extension and so I have exhausted all. Pleas help me with this matter.