davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-15
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. (PA)

On XX/XX/19 I notified the Credit Bureaus that there was incorrect information on my credit report that needed to be removed because of improper reporting. I did not hear back from them in a proper 30 day time frame so I initiated a second letter stating the facts again for improper reporting as well as initiated a phone dispute, this dating XX/XX/19. I recently recived a letter from TransUnion dated XX/XX/19 that the information was accurate on my credit report which is now false. They have failed to properly investigate and remove this inaccurate information from my credit report which is damaging to my credit profile. I would like matter to be taken seriously.
Consumer complaint received 2019-11-15
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: Great American Finance Co (IL)

I am not the kind of person who likes to complain but I felt compelled because of the situation that I find myself in. 
I have paid this account and disputed it but its still showing a balance on my report. This should be showing XXXX balance since I already settled this account. 

I would sincerely appreciate if they would submit a request to update this account so that it is reporting accurately with a XXXX balance and nothing past due or to completely remove it from my credit history.
Consumer complaint received 2015-06-03
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY (MO)

TDBank who is now the creditor for XXXX XXXX. We purchased furniture Back in XX/XX/XXXX and in XX/XX/XXXX they stated that we purchased more, which we never did. I contacted them to find out why all of us sudden our new monthly payment went up, my wife and i were astonished when they told us that this rat change had been done since XX/XX/XXXX. Keep in mind that we were setup for electronic statements and searching the emails, no statements and been sent to us in any folder in the email account. We spent over 2 hours on the phones with representatives yesterday, including supervisors who could not find anything wrong with their system, but could n't track any outbound email either. I think that it banks should be notifying consumers at any time that their rates change. Whether that is a phone call, paper statement or e-statement. This was not done and i found the " customer service '' to be less than satisfactory. We no have to dispute XXXX more late charges but since no statements have ever been made, why did it take 3 months for this bank to let us know that the late fee 's had accrued.
Consumer complaint received 2017-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I noticed that the CFPB filed suit yesterday against Navient. My loans are serviced through that entity, and the CFPB description of Navient 's actions I read in y'all 's brief sounded strikingly familiar. For two years, prior to my return to XXXX school, Navient would repeatedly call me and essentially make it appear that I had no other choice but to choose forbearance. That said, I had never heard of income based repayment plans until recently, and my income was anything but at that time. In addition to being coaxed into forebearance for about 18 months, Navient was slow to recognize my right to deferment once I returned to school, and I have no evidence that they rescinded their reporting to various credit agencies as they promised to do for their error during this window of time.
Consumer complaint received 2017-01-20
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Re Bank of America : I used to be able to go online to make an " extra '' mortgage payment dedicated specifically to PRINCIPAL ONLY. That ease of option has been removed and now only the " standard '' payment option ( which includes bank interest ) is available online. I 'm trying to pay down the principal whenever I can, but now they expect me to physically go into a branch or physically write a check telling them that the payment is to go to principal only ( not any interest ). It 's ridiculous when I can do everything else online but not pay down my principal ... it 's a huge impediment and against consumers! They are making it more difficult to pay down the principal on a mortgage so they can be sure to collect the interest.
Consumer complaint received 2017-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (AL)

Navient misaccounted for a loan in which the funds were returned by the college I was attending in XXXX. The funds were awarded to me after filing out the fafsa. When I declined to accept the dispursement, it was returned to the lender. I then continued to pay on the loan until I discovered their mistake in XXXX. I paid for the loan from XXXX XXXX to XXXX XXXX when I they acknowledged their mistake and put the loan on Administrative Forbearance. I have been fighting them for all the money I paid for the 6 year period. They have yet to reimburse any funds even after acknowledging the mistake. On top of this, when they put the loan on Administrative Forbearance, their system still reported negatively on my credit report. They have yet to repair that either.
Consumer complaint received 2016-08-11
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I wrote a while back to let you know that I have been working with Bank of America and XXXX XXXX XXXX to modify the terms of my home equity lines of credit and to no avail. 
We have spent the last 12 months submitting requested items to Bank Of America only to receive another declination in the mail this week. They are playing games and we have been paying the newly adjusted payment since XX/XX/XXXX that has quadrupled and is an extreme hardship. When the XXXX heloc adjusts XX/XX/XXXX we will no longer be able to live in this home we built and maintained for the past 19 years. Only with these XXXX loans extending the interest only portions for another 10 years will we be able to stay in this home. We are XXXX and I am forced to continue working due to the housing demise of XX/XX/XXXX that wiped out our XXXX with my total loss of income and my husband 's forced retirement who was on XXXX since XX/XX/XXXX now receiving half pension from XXXX where he was injured on the job in XX/XX/XXXX. 
We need help with these XXXX loans and requesting your intervention to make this happen. 
I wrote six months
Consumer complaint received 2016-09-17
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: GreenSky, LLC (CA)

I never agreed or signed any document to have a loan taken out on my name for solar panels, nor do I live at the property where the solar panels were installed. A sales man told my elderly mother that they can use my name to take out a loan for solar panels at her home if she did not qualify. I never knew the loan existed nor did I ever sign or agree to any such loan. My mother is elderly and was taken advantage of. Now the finance company is calling and harassing me for payment. I called them to ask them what this is regarding as I never knew such a loan existed and that was the first time me hearing that this loan existed. When I spoke to Greensky Loan Services they said if they obtain my information the loan is valid. I could not understand how a {$27000.00} loan can be taken out in my name without my knowledge or signature, that is complete fraud! There are other lawsuits against this company as well for scams!
Consumer complaint received 2017-02-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

my name is XXXX XXXX XXXX XXXX im XXXX person XXXX supplment secuity and socail secuity payments account with bank america XXXX routing number XXXX for payment XX/XX/2017 ssi and socail secuity XXXX asme account my socail secuity adriminartion inpute account above payments account person renting motel room left XXXX were XXXX jumping trains without fare paid geting tickects need to go to room rest XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX want cfpb contact bank america of my senstive information related this matter summitted your cfpb
Consumer complaint received 2015-10-22
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have a home line of equity loan from Bank of America for approximately {$130000.00}. It is coming to a balloon status in XXXX 2016. I have proactively tried to request an extension and had taken over 5 months to complete the application and trial payments. They have sent the new document to sign with the new terms in regards to the extended time of 180 months and the new payment will have to include interest and principal. The concern that i have is that the new agreement does not mention the interest rate for the new agreement and it does not indicate in plain language that the rate term will continue as the original agreement of adjustable rate that is prime minus 1 %. I have spoken to several relationship manager and they all have verbally explained that the rate will continue as the original agreement but they cant send anything in writing. I asked if they can email or I can email them with this information and they declined. All their calls are however recorded but i am not allowed to record any of their conversation. How can i feel assured with the new agreement that they are asking me to sign will in fact have the rate of the original document. My original loan document was with Lasalle bank which was acquired by Bank of America. I have always paid on time and am current on my loan. I hoped that i would have received the fixed rate on the extension but they said that the term can not be changed.I would have to apply for another loan. My home is underwater at this time.
Consumer complaint received 2016-03-22
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Federal law, thru the credit card act of 2009, changes payment allocation and requires that credit card companies apply any additional payments ( minus the required minimum payment amount ) to the highest interest rate balance on my card. That is not happening! Bank of America and XXXX XXXX refuse to to apply additional payments to the balance with the highest interest. I keep referring to the Card Act and they wo n't change their practices saying they are meeting federal guidelines. I need to know what to do? I keep paying above the minimum payment and they keep applying most of it to the balance with the lower interest rate ( BOFA 9.99 % vs 24.99 % and XXXX 13.24 % vs 24.24 % )
Consumer complaint received 2015-12-08
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX/XXXX/15 I used a Bank America promo check - which was guaranteed no interest for a year. AT the end of XXXX the Statement showed that as I had paid over amt due - that my promo debt went from XXXX to XXXX. So far so good - then in XXXX I overpaid again - but instead of the promo debt going down or staying even it went up to XXXX. WHy? I called 18 times and told all kinds of reasons to be overcharged. Today a so called exec said they do not tell promo balance to members cause they do n't period. SO how is one to know a promo balance in order to make sure it is paid before APR interest collects. My contratc with them says I have 1 year but if they increase my debt each month it will NEVER be paid. 6 hours, XXXX phone calls, XXXX emails and NO assistance. It seems to me they want promo people to default to collect extra interest compounded backwards to make it worse. AT least tell me each month how the promo is going down or remaining the same not going up?????
Consumer complaint received 2016-06-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I reported credit card lost a year ago from today which is XXXX XXXX 2016. But never got issueed a new card so I have n't use my credit card since. Recently I receive enormous amount of XXXX balances in mail which is not use under my consent and my credit line limit only up to XXXX. I contacted the bank but they 're unable to resolve this issue and keep charge high sum of interest rate. I asked the creditor to provide statement but it has been several months now and I believe they failed to provide and comply with my request. My credit score are excellent currently at XXXX and I really do n't want this situation to jeopardize my credit score.and I would cfpb to take this matter into action as soon as possible
Consumer complaint received 2016-12-13
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: AMERICAN EXPRESS COMPANY (FL)

I went on a Cruise with XXXX and notice a discrepancy with my Blue Bird XXXX that reflected duplicate billing activity. I immediately contacted American Express Bluebird XXXX at XXXX and informed the Service representative of the incorrect Holds placed on the account by XXXX. I was told at this time that I needed them to provide documentation stating that these holds were in error. I contacted XXXX Guest Care Team at XXXX and was told their procedure was to fax this information to provide immediate release of these Holds on my Debit Card. I contacted American Express Bluebird XXXX XXXX at XXXX and requested a fax number and was told there was no fax number. I asked to speak with a supervisor who also told me there was no fax number. So I googled American Express and contacted them at XXXX and asked for a fax number to remove the holds on the XXXX XXXX. I was given a Fax number to their XXXX XXXX XXXX and the XXXX Representative stated she was forwarding the information to the department that handles these concerns. The above actions took place on XX/XX/2016. Today, XX/XX/2016, I contacted XXXX to inquire if they had faxed the information and was told it was sent XXXX XXXX, 2016 and they had a confirmation. I then contacted American Express Bluebird XXXX at XXXX and was told the fax was not according to their policy and the Holds on my XXXX XXXX would remain until XX/XX/XXXX. The XXXX Representative continuously stated their 30 day hold without justification for an erroneous hold. Therefore, I am filing this complaint.
Consumer complaint received 2018-07-13
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. (FL)

I requested XXXX to investigate SPECIFICALLY the Original Creditor listed on a collections account as it was originally disputed as unrecognized or account not mine. The original dispute came back as " verified ''. Thus, resulting in a XXXX complaint and CFPB complaint. I was only able to determine who this company was and who they represented via XXXX  complaint. The company, XXXX, stated they purchased an illegal loan from an illegal lender names XXXX. However, they are reporting Original Creditor as a XXXX XXXX XXXX on credit reports in an attempt to mislead and fraudulently utilize the credit reporting system to attempt to collect and illegal and fraudulent loan which I advised XXXX  upon submitting the dispute to have the account at the very least updated with the correct Original Creditor. XXXX  's dispute results returned with only the status dates and balance dates " modified ''. I have also disputed with Transunion and XXXX  and they will NOT require XXXX to correct the Original Creditor. I have not ever had any contract with a company named XXXX XXXX XXXX nor ever heard of them. The documentation attached will claim that they " serviced ' the account in question however, that does not define a contract with or any indebtedness to them.
Consumer complaint received 2016-03-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (AZ)

This company garnished my wages without proving that is was my debt. They also garnished my wages before any court date provided. They where sending notices to an incorrect address that was listed on the court documents. Did not receive notice of right to dispute. I have no knowledge of this account.
Consumer complaint received 2015-08-12
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (NJ)

On XXXX XXXX, 2015 American Express received a refund from XXXX of {$320.00} to my account. My statement dated XXXX XXXX showed a credit of {$290.00} - ( {$320.00} less purchases I made ). I phone AMEX asking for a check on the credit. About 7 days later, I received the check, misplaced it and phoned AMEX. The agent stopped the check and said a new check would be issued. No check came. 
On XXXX XXXX, 2015 I phoned AMEX, explained the situation to a supervisor, XXXX, who said she would expedite the check. No check came. 
XXXX XXXX, 2015 XXXX, the supervisor, called to ask if I had received the check. I had not. 
XXXX XXXX, 2015 the supervisor XXXX called again asking if I received the check. I had not. 
XXXX XXXX I wrote a more detailed letter of complaint to Customer Service, American Express, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX asking for the credit. 
Today, XXXX XXXX I received my monthly statement from AMEX. There is no credit amount on this statement..
Consumer complaint received 2015-11-02
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NV)

I currently have a 30 year decreasing interest rate loan with Beneficial a member of the HSBC Group. I have had this loan since XXXX XXXX, 2005. Under the terms of the loan, my interest rate will decrease by one quarter percent annually if all payments are made on time during the year, which has always been the case. This was done automatically until 3 years ago. For the past three years on my anniversary date the interest rate has not been decreased until I call and write letters to have the issue resolved. Since this has happened for three consecutive years, I feel Beneficial is behaving in a fraudulent manner, hoping I will not hold them to the terms of the mortgage thus receiving a higher than entitled interest rate. I can mail you any paperwork you may need to assist you, I am unable to download anything on the computer. As of this date I am still waiting for the interest deduction after numerous telephone calls and registered letter. Beneficial says they are working on the problem. However, I make my payments on line biweekly and when trying to use their website I am locked out supposedly because they are making updates. Thus I feel they are trying to make me miss a payment so I am in violation of my contract so I can not receive the interest deduction. Please assist me in this matter so I do not have to repeatedly go through this process. XXXX XXXX, 2015
Consumer complaint received 2017-03-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMA Advisors, LLC. (FL)

1. In XXXX I scheduled an online bill payment on my Homebridge Mtg loan through XXXX. 
2. On the same day in XXXX I also scheduled automatic payments to be sent each month from XXXX to Homebridge. 
3. Because of scheduling two payments in one day XXXX cancelled the first payment to avoid a duplicate payment. This should not have happened because I had the payment dates correct to avoid a duplicate payment. 
4. Homebridge did not get a XXXX payment as a result. My XXXX pmt was applied to XXXX, XXXX was applied to XXXX, making both of those months 30+ days late. 
5. Homebridge did not properly notify me of the error therefore I was not able to resolve. 
6. XXXX notified me that the loan was past due and I called in immediately and made the extra payment. 
7. I log into my Homebridge account every month to check on my payments and my account shows a SMILEY FACE and says YOUR LOAN IS CURRENT. 
8. This deceptive online account status prevented me from being aware there was any problem. As a result my credit score has dropped over XXXX pts.
Consumer complaint received 2016-08-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (NY)

Harris and Harris from XXXX IL has been calling consistently to collect a debt. 

The debt amount is due to XXXX XXXX XXXX in XXXX. 
Since the first call from Harris and Harris in XXXX XXXX, I recorded and was able confirm : Harris and Harris was trying to collect a debt but the I had never received any mail notice for this debt. 
The reason was that Harris and Harris and XXXX XXXX sent it to wrong mailing address - wrong apartment which is why I never received the mail. 

I emailed them indicating this error and paid that bill once I was aware of it in XXXX XXXX. 

I recorded that conversation and I also called XXXX XXXX hospital billing and confirmed they corrected their input mistake to have the correct apartment address. That was recorded as well. 

Today, XXXX XXXX XXXX, I received a call for {$360.00} being due to XXXX XXXX. I was able to ask and confirm that the address that the mail for bills was sent to the WRONG apartment again. 

I told the collector from Harris and Harris this and she asked for payment and fortunately, I had checked my XXXX XXXX records online in XXXX XXXX and made a payment for {$2900.00} dollars in full. 

This included the payment that Harris and Harris was asking for again - essentially a double payment for same bill and a BILL NEVER SENT to my CORRECT mailing address. 

I refused to make another payment for a paid bill and the debt collector insisted I PROVE i had made payment and fax copy of payment that I had made. I told her : - to contact her client- XXXX XXXX XXXX bill had been paid in complete since XXXX XXXX to get payment made records - Note that asking for payment for paid debt was fraudulent - sending bills to incorrect address was a violation She refused to do any of this and insisted I fax proof. She hung up when I mentioned the above points. 

Pls note in your records. 

Regards, XXXX XXXX
Consumer complaint received 2019-01-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Kohl 's contacted me at a time reasonably believed to be inconvenient. On Sunday, XX/XX/XXXX, I received a call past XXXX XXXX. Kohl 's had been placing repeated calls for a partially owed payment within the month it was due.