davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-04
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a complaint with the practices of Bank of America Home Loan Department. 
I applied for a home equity line of credit and was approved on XXXX XXXX. My home is sitting on XXXX acres of property. I have XXXX other building structures on the property. At the time of application, there was no requirement from the bank to have flood insurance on my property. After submitting all the requirements, they approved my application. Then I received a letter from the bank dated XXXX XXXX, requiring me to purchase flood insurance for my home. I have called the bank several times to resolve the issue but to no avail. I called XXXX regarding the change in the zoning of my property. XXXX informed me that the changed happened in XXXX XXXX. 
Now my property is considered in a flood zone. My question was why was I not required by the bank then to have flood insurance on my property. Did they not do enough research on my property? I have tried many calls to the bank to resolve this issue but to no avail. I could not cancel the contract until three years or else pay {$1200.00}. So I just bought flood insurance to resolve the issue. 

Then a letter from the bank dated XXXX XXXX stated that I have to buy flood insurance for XXXX other structures on the property. Now my issue with them is why now. These structures all existed prior to the initial application of the loan. 
I just feel that whoever made the first assessment did not do their job properly. 
During XXXX of my conversations with customer service, they said that it is not required to insure a building if there is no bathroom or kitchen. I explained to them that XXXX is constructed as a pole barn without bathroom or kitchen. I suggested that they should send someone to reassess the property. I felt that they were just basing their assessment via satellite pictures. 

On XXXX XXXX, I received a bill from Bank of America for {$490.00} for flood insurance for the barn and another structure. 

Hence I am writing this complaint. First, I felt that I should have been allowed to cancel my contract without penalty during the initial application. Or allow me to cancel it now without any penalty. Next, charging me for insurance on a building that does not need XXXX is uncalled for. And if I do n't pay the bill while I wait for a resolution, I will be charged interest daily. 

I hope writing me this letter will give me some resolution. 
Thank you.
Consumer complaint received 2017-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

I have XXXX loans that were technically illegally given at the time i started school but the school somehow managed to push the loan the following year so it would look accurate. XXXX/Navient is reporting a 90 day late and with the payment history i have requested, my loans have always either been deferred or in a current status. This status is showing reported back in XX/XX/2012 on all XXXX Bureaus and they wont update the status nor will the credit Bureaus updated it with proof that there is no 90 day late. Please help me with getting this updated to having this negative remark removed.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: HUNTINGTON NATIONAL BANK, THE (IN)

UNKNOWN INQUIRY HUNTINGTON N XX/XX/year> XXXX *FRAUDULENT CREDIT INQUIRY* DISPUTE FORM ATTACHED/SIGNED AFFIDAVIT OF FRAUDULENT REPORTING CERTIFICATE OF FCRA FINE FAIR CREDIT REPORTING ACT VIOLATION DIRECT DEPOSIT FORM ATTACHED
Consumer complaint received 2015-05-21
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Dear Sir/Madame, During period of XXXX to XXXX, I had an account with Bank Of America ( BOA ) and also had an associated Credit card with them. I have been very disciplined with my financial affairs to date and never had any history of even late payments towards any bills. I left XXXX for good in XXXX, to my home country as my working visa got expired. Also I closed my BOA accounts in XXXX XXXX. 

As per my understanding, the associated credit card also would have got closed.There was absolutely no indication from the bank that the Credit card needed to be closed separately and that it does not go along with closure of my main bank accounts. However, it looks like it did not happened. 
An auto renewal cost from XXXX got applied to my credit card on XXXX XXXX which was quite unexpected since i had already sent in a request for closing the account with XXXX and received an email from them clearly stating that it had been closed way back in XXXX XXXX. 
Worst case being that i was unaware of this charge to my credit card since, the credit card statement was NOT Paperless and all intimation regarding the pending payment could not reach me, as I was out XXXX. Also, as my account was closed, I was not in a position to check the account status online. 

Now, I came back to XXXX on XXXX XXXX and opened up new Account with BOA. To my surprise, I see that there is a pending credit card payment of {$340.00} charged on me - towards Annual Payment charges and late fees. 

My contention is that, these charges being baseless and also, there was NO way I would have been aware of them, I am in no way to be considered as a " defaulter ''. Furthermore, there was no communication through email about any of these charges. Now, it has effected my credit report also very badly leaving me in no position to apply for a credit card or any other financial services from any bank for absolutely no discrepancy from my side. 

Talked couple of times with BOA Credit department, but as per them they could not help me in the matter.In the context I would like to seek following help from your end : 1 ] Reverse the pending charges and payments, for the reasons stated above and hence am not liable for the issue. 
2 ] My Credit Report needs to be refreshed by withdrawal of reported " default payments ''. 

Thanking You, Yours Sincerely XXXX
Consumer complaint received 2016-05-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

I received a call from Bank of America in XXXX 2014 that they suspected a checking account was being opened in my name fraudulently. I confirmed that yes, it was fraud and that I had not opened any accounts with them. I then contacted all credit bureaus, the FTC and filed a policy report for identity theft. The credit bureau reports confirm identify theft and removed the information from my credit report. I assumed that I took all necessary steps to correct this issue, but this week as trying to open an account with my credit union, they ran a XXXX report and it indicated that Bank of America charged off {$1900.00} in my name and upon calling Bank of America to have this removed, they are now telling me that they have no record of any of this 2 years ago and that it is going to take 30 days for them to complete the investigation. # XXXX, if they called me and removed it from my credit, why do n't they have record of it and # XXXX, I do n't have 30 days for them to complete this for me, as my lease is up on XXXX. I need them to find the information from XXXX and at least provide an email or statement to provide to the bank and they are unwilling to do any of this. Even after I offered to provide them the XXXX Report finding, FTC reference number and police report. I did go ahead and file a dispute with XXXX individually, but they also indicated it could take up to XXXX days.
Consumer complaint received 2020-06-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX INQUIRIES : XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (TX)

I have tried having them work with my payments to be postponed since I am currently unemployed taking care of my XXXX child, no type of assistance has been offered. They have reversed payments on my account without notice or my consent. They have done adjustments to my account that I do n't know why they were done. They are charging such a high interest on my line and it 's set as a variable interest instead of fixed. I have tried releasing my cosigner and have releasing my cosigner and have been told no paper work or incomplete paper work was received so my application has not been accepted.
Consumer complaint received 2017-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NJ)

I have XXXX loans serviced by Navient totaling {$25000.00}. Since graduating from XXXX University in XX/XX/XXXX I have been either unemployed or underemployed. At the time I was to begin making payments on these loans I requested payment information to cover any capitalization of unpaid interest and was given a dollar amount which was paid as instructed on a monthly basis. In addition, Navient never informed me of my options to avoid interest capitalization during any grace periods. To my surprise XX/XX/XXXX there was {$1500.00} of capitalized interest added to my loan balances. Given the fact that I was not informed of my options and that all interest payments were made as instructed by Navient I respectfully requested they remove such charges from my loans on several occasions. They have refused to date to remove such charges on the basis that I agreed to such an interest capitalization policy in my promissory notes.
Consumer complaint received 2015-05-12
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am from XXXX and recently moved to United States. I opened Checking & Savings account with Bank of America. I made few online transfers from Savings account to Checking account. After a month i was charged {$18.00} for that. 

Based on the fee schedule : It was not mentioned clearly that the transfers within the linked checking and savings accounts are also counted towards the limit of XXXX withdrawal. 

Link : https : //www.bankofamerica.com/deposits/resources/personal-schedule-fees.go? request_locale=en-usInitially i was not told about this when account was opened. Later i was told during a chat coversation with Bank agent. After going through the link provided in the bank website, I was under assumption that transfers between linked Savings and Checking accounts shall not count towards the withdrawal limit set for Regular savings account. 

Since the wordings were misleading and not so clear, i want the charge to be returned. 

Also i was not alerted once i crossed the XXXX withdrawal limit. Bank could have sent me an email/text or whenever i do the XXXX transaction that this could be charged. 

So Bank should also include the alerting system for such transactions. 

Please resolve the issue and make the arrangement for {$18.00} refund.
Consumer complaint received 2016-04-13
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I used a balance transfer check ( Hardcopy ) between XXXX ( XXXX XXXX XXXX XXXX XXXX ) and BOA ( Bank of America ). I was having computer issues so I ended up having to drive out of town to submit in person. The teller at XXXX accepted the check. After I did that I came back to my local library and tried to confirm it online. Their printers were offline so I could't create a record. I have also reported issues long ago in a previous case. ( XXXX XXXX XXXX XXXX XXXX ) When I was able to successfully log onto online banking it reads as the balance transfer went through except it charged me XXXX. It entered it on XX/XX/2016 instead of the day I gave the bank my balance transfer check in person. ( XX/XX/2016 ) Then they sent a check to my bank and it was also dated XX/XX/2016. I have yet to return it to Bank of America. The real problem here is the balance transfer online with Bank of America reads as is the balance transfer access checks read as XXXX XXXX. I do NOT currently have an active account, credit card, or savings account with XXXX XXXX. The past issue with them had also to do with an employee, credit protection, and activation of XXXX or more credit protection plans as well as inappropriately using my debit card at another bank ( XXXX XXXX ). I have reported many things about my name and mail for a long time. I hope if this is the person using my name that you can catch the person using my identity. I am also signed up for identity theft protection currently and all of my children and I have protection underneath all the protection plans currently. XXXX, XXXX and I also had an event with the XXXX XXXX website as well. My reset password function showed myself and someone else 's name. XXXX XXXX at XXXX XXXX to my email XXXXXXXXXXXX. The Washington XXXX website ended up firing XXXX employees with the State of Washington XXXX XXXX XXXX and her brother who was an IT Technician for sharing confidential patient information between each other. I would like this to go to the appropriate agency so I can claim money from my long term issues involving my life and also claim issues for my children. Both are currently considered XXXX now but this has occurred so often as well as prior to them turning XXXX. This is just the latest issue and I want it all to stop as soon as possible. Very XXXX and it has affected the quality of my life. Thanks.
Consumer complaint received 2016-11-01
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (KY)

I am XXXX. I have been struggle to meet the payments since I have XXXX job that I have been working and still struggle to make the full payment. I have call and it take long time because I was using the relay operator.
Consumer complaint received 2015-12-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I have been denied a modification from Bank of America for the XXXX times, they continue to string me along, like my modification is being review and after one year or more they come back to tell me I was denied ... 

XXXX XXXX
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX is reporting child support debt which is not supported by a court hearing. 
Debt reported is not based on any financial record. 
XXXX has admitted that there is mistake in the account and lost records but with not fix the problem. 
I have filed disputes and submitted documents to all the three credit reporting agency they claim an up date has been made but the inaccurate debt is still being reported, The fraudulent information created on XX/XX/16 via a fraudulent court order which reports a false debt of XXXX, XXXX as of XX/XX/16 no record exist to support that debt. No records exist that notice of a hearing referencing such a dent was served on me. 
This debt is cost me money and is preventing me from housing and medical insurance. 

Office of Attorney General is the company responsible for providing this false debt information. I have been in consistent contact and dispute with the XXXX since 2016 about this false debt reporting the furnishing of false information to credit companies.
Consumer complaint received 2015-06-27
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

Bank Of America credit card web page allows recurring payments for a set dollar amount, but they do not offer any mechanism to pay the full statement balance in full automatically. You can pay a certain amount each month. You can pay a XXXX time payment of any amount. However, when you go to the XXXX payment page they do not show you the full balance, you have to remember it. 
When you try to use their Contact Us function on their web page and select email, you must select XXXX of XXXX topics under the credit card option. The XXXX options are statement copy or financial hardship. Unless you select XXXX of those, you cannot complete the rest of the form. They have set up their system to make it difficult for people to avoid paying interest and late fees. This is an intentional mechanism to increase their fee revenue as well as their interest revenue and must change. They are XXXX the largest card issuers in the country and every other card company I use offers a "Pay Statement Balance in Full" option on their recurring payments. This should be considered consumer fraud.
Consumer complaint received 2015-08-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

i lost my job while pregnant and i was experiencing financial difficulties as a result of unforeseen circumstances. bank of american never let me defer student loan payment s or place me in forbearance. the loan then went to a collection agency as a result. this defaulted loan is ruining my credit and i would like to resolve this.
Consumer complaint received 2024-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TD BANK US HOLDING COMPANY (PA)

TDBANK XXXX double up signature visa, promo get {$150.00} if you spend XXXX in 90 days i did that and some, paid XXXX from a XXXX XXXX XXXX check [ balance transfer ] transfer was paying the card that i charged over XXXX on, they claim balance transfers don't count, even with that my math the branch 's math i went to all state i more than spent XXXX in 90 days, they come up with XXXX, there mistake is my balance transfer was sent twice XXXX XXXX and had to be returned all in all i had XXXX XXXX XXXX charges of XXXX alone. there was over XXXX spent in the 90 days, had managers on the phone and said they will file a complaint [ their own reps agreed on the promo that i had it ] no manager called to file the complaint, various on line emails went no where.
Consumer complaint received 2015-06-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (WI)

My loan was sold to a new company : Rushmore Loan Services in XXXX. This company has harrassed me every month for being " Late '' when I was still within the allowed grace period. Recently at their suggestion I tried to set up automatic payments - to happen right before the deadline, but they still sent me a statement saying I had not paid and that I should contact HUD for credit counseling. I feel they are harassing me to force me to pay by the due date, which I 'm sure they would prefer, but is not always possible for me, due to when I collect rents on this property. In using their online bill pay system something went wrong and the payment did not go. I am concerned that they have reported this to credit bureaus, even though it has been paid in full after I discovered the problem.
Consumer complaint received 2015-08-15
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AL)

I leased an automobile through Nissan-Infiniti LT. The lease was serviced by Infiniti Financial Services. I turned the car in to my local Infiniti dealer at the end of the lease term. A few weeks later I received an " End of Lease Liability Statement '' from Infiniti Financial Services stating a net liability of {$3000.00}. Charges included " Unsatisfied Contract Obligation '', '' Excess Wear and Use '', " Tax on Excess Wear and Use '', and " Remaining Rents Due '', among others. I wrote Infiniti Financial Services challenging these charges and they provided an illegible copy of the contract and did not address several of my questions. Concurrent with their correspondence, they turned my account over to a collection agency. Their actions have hurt my credit rating and are heavy-handed and unethical. I do not believe the bill is accurate and I do not believe I have an obligation to pay.
Consumer complaint received 2015-07-03
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

This item Nissan Motor Acceptance account # XXXX .... And account # XXXX ... .is inaccurate because the Notice of Sale was held Wednesday, XXXX XXXX XXXX with a balance of {$33000.00} and sold at XXXX at XXXX New Jersey , XXXX XXXX XXXX, XXXX , NJ XXXX. XXXX XXXX XXXX amount {$32000.00} was owed and total balance due of {$1000.00}. XXXX Credit Report XXXX XXXX XXXX reports Nissan Motor Acceptance Company reporting High Balance {$34000.00} and Past due balance of {$16000.00}. XXXX Credit Report XXXX XXXX XXXX reports High balance {$34000.00} with charged off of {$17000.00} and reported secondly on XXXX Credit Report High Balance {$34000.00} as Transferred, closed of {$18000.00}. I am requesting that the item be removed immediately due to violation of the Fair Debt Collection Practices Act:
Consumer complaint received 2016-07-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I had been saving my rent money in my savings account to set it aside for the first of the month. However, I transferred it back to the checking account too late ( one day late ) and because of that, I was charged a fee. I 'm in serious financial distress right now. After a medical problem, I have accumulated a lot of debt and I had only allocated the last {$20.00} that was supposed to be in my account to feeding myself for the next 10+ days. This bank has refused to return the {$35.00} despite my circumstances and my account remains negative with no possible way for me to fix it and with more fees on the way because I also had XXXX small bill that will now also overdraft my account since the fee was charged.