davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NC)

I have been a full time student since XXXXXXXX 2017, returning to XXXX XXXX University for graduate school. Since enrolling I have continually attempted to place student loans in deferment with Navient. All request have been denied due to being in a " modified rate program ''. I have sent multiple request via fax, email and their online portal. All request have either been denied or unacknowledged. Since the payment was manageable at the time, I continued to make on-time payments to Navient. However, I recently received notification that the " modified rate program '' that I was enrolled in would be expiring. The email stated a needed to submit an updated financial statement to continue the program I was enrolled in. The email provided a link to the form which needed to be completed. I submitted the form to Navient via email to continue the " rate reduction program '' and never received a response. Now the " rate reduction program '' has ended and my monthly payment has doubled. As a full time student the  payment is no longer manageable. Navient continues to deny placing the loans in deferment and has not responded to my request regarding a lower payment option.
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA (CA)

Hi, Wishing you well today! Thank you for taking the time to read this message. Attached are pictures of past missed student loan payments that are significantly lowering my current credit score. When I first got out of college, in XX/XX/2015 as stated above, I was not aware that my loans were due. This hurt me for 2 months before I realized it as I had no credit at this particular point in time. Though my only excuse is being young and naive, I did not understand how credit worked at the time. I did not even own a credit card, and I had no established credit. I am just writing this to humanize myself and to hopefully have these derogatory marks as I have made every credit payment since! My loans were actually deferred for an entire year due to low income as well. I fully intend on continuing to do so, in terms of maintaining all of my payments in a timely manner, in my present and my future. Please help me create the credit I know I am capable of achieving and maintaining. I appreciate your time and efforts.
Consumer complaint received 2017-12-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

In XXXX 2017 I asked for mortage assistance. I completed the paperwork with a home XXXX. They asked for several documents that were provided. They insisted on using the automobile declaration page as residence verification. I explained to them that the auto insurance was in my spouse 's name and we maintain XXXX separate residence. But they insisted on me submitting this as verification alone with a letter explaining the circumstances of address differences. Upon receiving this the modification was denied and an appeal was started. The rep. asked that I submit bank statements, any other documents that would prove residency and a letter explaining the difference in mailing address and permanent residence address. At this point the underwriter now had bank statements, utility bill ( current ), letter from the bank verifiying address, bill for carpet placed in the home and another letter detailing the concerns regarding residency. I also explained in the letter that during my year of unemployment I never asked for assistance but struggled to pay the mortage every month even using my entire savings and retirement funds. Again the modification was denied and the XXXX was supposed to contact me on XXXX after discussing this with his manager. I contacted the XXXX after not hearing from him by XXXX. He informed that this manager was out sick and he would speak wth her and contact me early today on XXXX as of XXXX I have not heard from the XXXX or received an email.I have again left him a message. The reason for the constant denial is because I have a different mailing address from my permanent address ; however XXXX years ago I received a modification and this was the same status at that time. I now feel that Wells Fargo is denying my modification unfairly since I have submitted everything requested. The rep keeps saying they need more paperwork but there is no specific paperwork being requested other than those that were already submitted.I have asked to speak with the underwriter or a supv over this dept but the rep has no information to provide regarding this.
Consumer complaint received 2023-08-01
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (CA)

As of today XX/XX/2023 Ally Financial has called my phone 5 time and I have continued to explain my problem and I have been very cordule to the persons and they state that they are to comply with the request of not calling but that is a lie and I have still phone calls from different phone numbers but my caller ID states it is this company.

I am noting with a log of the date and time.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc. (CO)

In XX/XX/XXXX, I filed a CFPB complaint ( # XXXX ) regarding the reporting for XX/XX/XXXXXXXX XXXX 

I received a response stating that it would be updated to " current '' on my credit report when it reports in XXXX. Grain has reported for XX/XX/XXXX and it did not update the late payment for XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: LoanCare, LLC (AL)

I have tried to payoff of LoanCare, XXXX this balance for over a week. I called XXXX XXXX to get a payoff amount. I questioned the amount given because it was principal only. I made that payment. I followed up and there was still a balance. I requested a new payoff XXXX XXXX. I received that statement, called that day and made the payment over the phone. the payoff was good through XXXX XXXX. I made the payment XXXX XXXX. I checked back on the website and there was still a balance. Someone called me XXXX XXXX and assured me the balance would be at XXXX when the all the updates were made. as of this morning, XXXX XXXX, there is a balance. The loan is set to be transferred to a new servicer as of tomorrow. I called today at approximately XXXX CDT and spoke with customer service then was transferred to XXXX XXXX The loan is still showing a balance. Someone at their company didn't do their job, and I'm having to follow up too many times.
Consumer complaint received 2023-10-31
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Hatfield, Inc. (LA)

I took an advance from Grid months ago. Once it was repaid, I wanted to delete my entire account with them. This was in XX/XX/2023. They do not allow you to delete your information from their mobile applications or from your online account profile. I was told that they had to do it from their end. Today, XX/XX/2023, they have again charged me {$10.00} for a " membership fee '' that I did not want ... which showed me that they didn't delete my banking information from their databases. 

These people are a scam. They will continue to charge you even after you have cancelled your " membership '' with them. Do NOT get involved with them!!!!
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (PA)

I opened TD bank checking account together with saving account on their bonus page back in XXXX. New checking customers Earn {$400.00} when you open a new TD Beyond Checking account. 

Earn {$400.00} when you have {$2500.00} in qualifying direct deposits in 60 days. Pay no ATM fees when you maintain a minimum daily balance, earn interest and waive the minimum balance fee in three ways, including direct deposits. 

There was a {$400.00} checking account and {$200.00} savings account bonus. But I only received the {$200.00} for the savings account. When I called earlier, they said they will credit me the bonus on or before 180 days for sure. I have completed the direct deposits within the required time. They said the bonus will be credited to my account with in 180 days, but now it is way over 180 days and I still didn't see the bonus. After conversion with them, they said this is not a public offer and won't give me the bonus. But I indeed opened both account through their welcome page and it was a public offer for sure back then.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (WV)

On XX/XX/23 my insurance was submitted to my account. ( This account is used only for insurance and I make the deposit monthly to cover these charges AND a maintenance fee. ) On XX/XX/23 I transferred the money from my joint account ( used for business ) and my account showed a positive balance. 
XXXX days later I received a notice from truist that my account was in arrears due to nsf for more than 10 days. I accessed my mobile bank app and my account is {$76.00} which is XXXX {$36.00} overdraft fee for my car insurance and a {$36.00} overdraft fee for my homeowners- which both come out the same day ; and the {$5.00} maintenance fee. 
I called the bank as I have opted out of the overdraft protection, and this issue occurred once before and representative was instructed to return these charges if the funds are not available - and they did so once and have now paid the charges and assessed me overdrafts on my account. 
When I called they refused to correct the error -and stated their policy allows them to pay these at their discretion and apply the overdraft fees as a result. The representative also stated that money transfers can take up to XXXX day to complete - even though my account says clearly the funds are available instantly and my account had a positive balance when my transfer was complete. 
I have XXXX accounts with truist, this account will remain in arrears as I will not pay for their mistake. Truist has also implemented a fee on mobile deposits of {$11.00} to access your deposit immediately. Therefore, the joint account will be the next to close. 
Please help me resolve this issue. If the overdraft protection is off it should be off for everything and not for truist to do as they wish when they choose to.
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

This is a follow up from complaint number ( XXXX ) on the charge of my Bank of America for {$5400.00}. My partner and I were ready to depart from a XXXX on XX/XX/23 from XXXX, XXXX. He had a XXXX on the ship, sent to ship infirmary for medical treatment and then we disembarked the ship to a hospital where he underwent XXXX XXXX for a brain bleed. On XX/XX/23 the merchant charged my card for {$5400.00}. I contacted the credit card company and disputed the charges ( lost XXXX times ) as I never received a statement of the charges. On the ship I used my card for incidentals ( other purchases ) but was not expecting a medical problem and to charge my card for my partner 's medical expenses. We have travel insurance and could get this reimbursed but they are asking for a copy of the medical report and itemized bill. The merchant told me only recently that they sent this information to my partner 's email and due to XXXX can provide it to me. My partner is unable to make his own decisions now and can not access his own email to access the information. I believe this is unfair to me considering I am already traumatized and now financially being charged this amount with interest. 
Since this claim was made, I received contact from XXXX from Bank of America on XX/XX/23 ( XXXX ) stating XXXX a representative would be calling me to resolve this disupute. She contacted me ( XXXX ) and explained the situation. She stated for me to provide her a copy of bill paid from XXXX XXXX XXXX and in addition to the rejection of dispute letters from Bank of America. I was informed to send this information by email to XXXX. I attempted to send the information but it was rejected coming back as undeliverable. I contacted Bank of America directly through both there chat line and on the phone but they provided the exact same email address. When I said that it could not be sent they hade no other suggestion. I sent the information through fax on XX/XX/23 and it was accepted. Upon receiving this information I was infomred by XXXX that the charges would be removed until this can be settled. I have been unable to reach XXXX despite making frequent calls to call me back. Since than I am at a roadblock.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (CA)

I am a victim of identity theft i have included documents of my reports and submissions of filing for identity theft off identity theft by gov is well as other sources CFPB and submission to the actual FBI of my hacked personal information that has caused me a lot of issues I am trying to clear up my credit report so please erase all inquiries that I am requesting as they have not been authorized or applied by meThis has been a violation and this is unlawful and unauthorized and is consumer violation
Consumer complaint received 2023-10-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am writing to submit a formal complaint regarding the mismanagement and lack of communication surrounding my home equity line of credit ( HELOC ) tied to account number XXXX, initially opened by my late grandfather, XXXX XXXX XXXX XXXX. 

Key Points of Concern : XXXX ) Successor in Interest : a XXXX Bank of America has formally recognized me as a Successor in Interest, granting me the right to information and actions related to this loan. 

XXXX ) Payment Attempts : a ) On XX/XX/XXXX, I made XXXX significant attempts to clear all dues : i ) I visited a Bank of America branch to wire funds but was denied. 
ii ) I overnighted a personal check, which was returned because it wasn't certified funds. 
b ) On XX/XX/XXXX, I sent a cashiers check for {$4500.00}. Despite exceeding the due amount, the check was rejected and returned because it was not the " exact amount. '' I was never told the exact amount. 
c ) I did not receive a formal reinstatement amount until XX/XX/XXXX. 
d ) Full payment was sent via overnight mail on XX/XX/XXXX. 

XXXX ) Inadequate Communication : a ) I have not received any formal foreclosure notices as mandated by Florida laws. 
b ) Monthly invoices did not specify the need for " certified funds, '' nor was I informed of this requirement separately. 

XXXX ) Frivolous Fees : a ) A reinstatement calculation letter dated XX/XX/XXXX included {$2300.00} as foreclosure and attorney fees. 

XXXX ) Personal Hardships : a ) As previously mentioned, I am the sole caregiver to my XXXX son with learning disorders, among other personal challenges.
Consumer complaint received 2023-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (MT)

Hi, My mortgage was bought on XX/XX/2023 by, Nationstar Mortgage LLC d/b/a Mr. Cooper XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX  XXXX XXXX : # XXXX XXXX On XX/XX/2023 I received a notice from XXXX XXXX, my homeowner 's insurance company saying my insurance had not been paid and was going to expire at the midnight after XX/XX/. 

Upon trying to trying to contact " Mr. Cooper '' on their website and the phone, they provided no way to resolve the issue. The woman on the phone hung up on me after I courteously told them the problem and made no attempt to re-contact me. I also submitted the case on their messaging system, and never received a response. 

So in order to prevent my policy from lapsing and being uncovered, I paid the full amount : {$3200.00}, and now I have to wait for Mr. Cooper to pay so the the insurance company will reimburse me. I've never seen anything like this in 25 years of making mortgage payments. They boast all over their website about " never having to worry, we pay taxes and insurance way before they're due ''
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy FederaXXXX has been having my funds on hold for over XXXX weeks today, without any trace of the money or progress thats happening. They initially had {$30000.00} on hold claiming they are waiting on a response from another financial institution. They sent {$6700.00} of it back and still have the remaining balance on hold. They have been unable to resolve this matter within a reasonable amount of time. Its been confirmed theres no fraudulent activity happening and they dont give me a response other than we cant give you a time frame when this will be resolved.
Consumer complaint received 2023-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I used my credit on XXXX th to pay back a small loan, never ever used this card to handle or withdraw any cash! I just Received my statement today and not only Capital One charged me {$10.00} fee for '' cash advance '' but also they withheld my money twice and never ever disclosed ajupf these terms to me!
Consumer complaint received 2023-04-16
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. (FL)

I submitted a letter to XXXX, Equifax and XXXX to give me a validation on how they investigated the items that they continued to leave on my credit report as collections and charge offs. Yet they were not able to provide me with the steps they used.. I have asked them to please remove those items on my report. The have continued to still report those items that are detrimental to my profile
Consumer complaint received 2023-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP (PA)

I closed my Keybank account on XX/XX/XXXX. To my surprise, my credit report through XXXX XXXX shows that the account remained opened until XX/XX/XXXX. The report shows that it was overdrawn 2 times on XX/XX/XXXX & XX/XX/XXXX
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Approximately around XX/XX/2017 I've been noticing addresses appearing on my credit report thats not mine, I asked by written request that the credit reporting agencies delete them, these addresses do not belong to me nor do I use any of them. Its been 6 years and they continue to be showing up on my credit report.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Approximately around XX/XX/2017 I've been noticing addresses appearing on my credit report thats not mine, I asked by written request that the credit reporting agencies delete them, these addresses do not belong to me nor do I use any of them. Its been 6 years and they continue to be showing up on my credit report.
Consumer complaint received 2023-04-16
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that I did not authorize. I contacted the companys and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as I am trying to start a new job that these issues are making more difficult than it should be.
Consumer complaint received 2017-12-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MI)

I have become delinquent on my private student loans due to an illness which prevents me from working. I tried to contact navient to ask for medical forebearence, but they say that my loans do not offer any recourse if i become ill or XXXX. not they are calling me 10 times a day and harassing my relatives as well. 

Navient makes me want to kill myself, i swear to XXXX i will if they do n't stop CALLING!