davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

I contacted my mortgage company HSBC XX/XX/XXXX to ask for assistance with my home loan because I have been unemployed since XXXX XXXX XXXX and my unemployment ended XXXX XXXX. According to HSBC website I should have been offered assistance. 
When Mortgage Payment Difficulties Arise If you are an HSBC Mortgage Services ( former Household Mortgage Services ) customer, please visit www.hsbcmortgageservices.com. Not sure? Click here for more information. 
Let us help you find a solution Remember that relief is just a phone call away.Life is not always easy. We understand that, and we 're here to help you. Losing a job, divorce, an illness or a death in the family are just some of the things that can cause a delay in paying your mortgage payment. If you are experiencing or have recently experienced a hardship and are unable to keep up with your mortgage payments, contact us. We 'll work with you to try to make the best of a difficult situation. Call Our Payment Assistance Line at XXXX. 
Instead of getting assistance I was told by XXXX XXXX XXXX XXXX that my condition was temporary and they could not help me unless I had a XXXX or a XXXX XXXX or was dead. They also sent someone to appraise my home which I was not informed about and was shocked when I received the information in the mail. XXXX also said that I had equity in the home as if I could get a loan without a job, and was told I could appeal which makes no sense because they never tried to help me. I am turning XXXX soon and finding a job at my age has been extremely difficult even more so because I have more than 17 years of experience. I have paid my mortgage since XX/XX/XXXX and I believe that HSBC is falsely advertising that they offer assistance to homeowners who have lost a job like I have. They even post this information on their website which again indicates they will help you. 
Consumer Advisory Please be aware of Mortgage Modification Scams and Foreclosure Rescue Scams. HSBC Bank USA , N.A . should be your starting point for finding options to resolve delinquency or avoid foreclosure. Your first step is to call Payment Assistance at XXXX. 
I do not understand how what they are doing is legal ; providing false information like this. 
When I asked for a copy of the note I was told this would take a month to get. I wasted precious time believing assistance would be offered to me when clearly it was not.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (NY)

I bought an XXXX laptop from the XXXX website and I applied for a credit card. Within XXXX minutes of placing the order I canceled it as I got a better price from XXXX XXXX. However, XXXX said I would have to tell the XXXX XXXX I would not accept the package and to have it returned. 

I never accepted the computer, I never purchased anything on the credit card yet they claim I have a late payment which is impossible since I never accepted it and XXXX received the computer. 

I have a late payment on my XXXX credit report.
Consumer complaint received 2016-03-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: STATE EMPLOYEES CREDIT UNION (SC)

Upon reviewing my XXXX credit report, it showed I still have an open line of credit since XXXX/XXXX/2010, from a credit union I had my checking and savings accounts with until I moved to SC. These accts. have been closed for 6 years.
Consumer complaint received 2016-06-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (MD)

i have contacted navient via email to XXXX XXXX XXXX and requested that all dispute remarks be deleted my credit reports ( they have been deleted to date ) and ive pointed out that i received a letter from navient stating that the statute of limitations has expired and XXXX now owns the accounts. yet the credit bureaus have navient reporting ( charge of profit and loss ) with a past due account reported monthly. does this follow FCRA or are they reaging the accounts?
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (OH)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX -or- XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Victim Assistance Department XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ Identify item ( s ) + XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - Finance/Personal ( XXXX ) XXXX Collections XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$500.00} Needs Attention XXXX XXXX XXXX XXXX  {$300.00} please remove all items due to and resulting from the identity theft that should be blocked, by name of the source, Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity Copy of Credit Report
Consumer complaint received 2015-06-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, I 'm having some trouble with bank of America ( my mortgage lender ). They admitted to their mistakes but when it came to fixing my credit from their mistakes they are giving me the run around. I had a auto draft system in place to pay my monthly bills and had no lack of funds at all times. But for some reason bank of America did n't take the mortgage payment off the auto draft, and said we defaulted on payment ( XXXX times ) and our credit was dinged XXXX times because they did that. I 've had this loan for more then XXXX years and have always been on the auto withdraw payment system and never had a problem. I 've always had sufficient amount of fund so i did n't need to ever bother to check. They said originally it was due to lack of funds but we showed the statements that we had sufficient funds. Through many difficult phone conversations, which were recorded by them, ( after speaking with the supervisor ) they finally admitted their wrong doing but they said they ca n't do anything for us in fixing the credit dings. They just gave us an XXXX number to do it ourselves. Id like to report them to you guys because they are not helping us at all clearing those defaults on my credit which was put on incorrectly due to their faults. There were sufficient amount of funds and when they forgot to take it out they made it like it was our fault. the funny thing is they later on did go ahead and took the money like XXXX days later and then again did n't take it out the following XXXX months. this is so frustrating. I 'm signed up as auto withdraw and had sufficient amount funds. what more must I do. I do not want them to just get away hurting my credit scores.
Consumer complaint received 2016-06-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America has lied and they just do not want to assist customers in finical hardship. Since our last discussion I looked into Bank of America option of Credit Counseling and they should be aware that CLOSED accounts are not eligible for that plan. My account is closed and has been for sometime which means that it is not eligible for their suggested program and yet they still refuse any assistance to their former customer in addition Bank of America has yet to provide me with information about their " regulation '' that restrict their programs but no other bank including those larger than Bank of America appears to have the same restrictions.
Consumer complaint received 2017-03-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc. (CA)

This is the same debt that was just corrected by the previous collection called XXXX and now they have given it to the following XXXX XXXX XX/XX/2016 {$210.00} {$210.00} XXXX XXXX, IA XXXX ( XXXX ) XXXX here is the response for the previous collections as I have made it clear it is not my debt can you please helpme because they have greatly affected my credit score from XXXX to XXXX and that is XXXX XX/XX/2016 Re : XXXX Case # XXXX Our File # XXXX To whom it may concern, We are in receipt of your consumer complaint submitted in regards to a XXXX file # XXXX. Our Compliance and Quality Development Departments have completed an audit and investigation on this file. 
We received file # XXXX for account # XXXX from XXXX on XX/XX/2016. A copy of your complaint was forwarded to our client for review in XX/XX/2016, but we have not received a response so therefore have closed our files on this matter. Also, we have removed this item from your credit file. 
We apologize for any inconvenience this may have caused for XXXX. Should you have any further questions or concerns regarding this matter please feel free to contact us. Our hours of operation are Monday through Thursday XXXX - XXXX and Friday XXXX - XXXX EST. 
Sincerely, XXXX. 
Compliance Department XXXX
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

I have been contacting XXXX/navient for years to get income sensitive repayments. I was always told I do n't qualify and instead should do a forebearance which would still have interest accrue causing my loans to be higher while making no payments. I still need my payments reduced and nothing is being done.
Consumer complaint received 2016-04-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America pushes people/me to go paperless for statements ... I read on their site that I will get check images in my statements for no charge going back 36 months ... then I do n't see the check images in my statements.. now they want to charge me {$3.00} PER check image that are older then 10 months. See here : https XXXX " FAQs : Bank Account Statements : Online Statements hide Can I view my statements with check images online? 
Yes, your statements with check images are available online. That means you can view, print, and download up to 36 months of your statements online at any time. When you go paperless with our online statements service, we provide check images as part of your statement at no charge and you receive your statements online instead of in the mail. 
If you are an Online Banking customer, Go Paperless Now ''
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY (IL)

Since XXXX, I was starting to sign up for financial aid. They had asked me if I had a co-signer to start. I told them numerous times that I have no one helping me. They lured me with words that seemed like it would help me, since I am a XXXX. Well I was able to go to school, But then I noticed that I am getting calls from debt collectors that I owe them money because I signed up for a loan. I told them many times I never signed for a student loan because I had no co-signer. Since then, I ca n't go back to school because of a default of something I never agreed to. The school is called the XXXX XXXX XXXX XXXX XXXX, but now called XXXX XXXX XXXX.
Consumer complaint received 2015-12-21
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (IL)

I am on XXXX and I only get so much money a month, I was doing very good with all of My Accounts until My Daughter and Grandchildren had to move in with Me and she had no job and was not getting child support, Adding XXXX people to a XXXX Person income hardly leaves XXXX cents left till the next month ... I have explained this to every Creditor I have and cut up every credit card I have.. I am not saying it was not my debt but if you do n't have it then you do n't have it .. Some months I can buy all my Medicine, other months I can only buy the ones to control my pain .. I Live on Yogurt and Dried Cereal 99 % of the time ... I know there are XXXX liens on my credit history and Midland Group just won a {$1300.00} + Court Costs and I talked to XXXX of the Attorneys the day after I was Served with a Subpoena and was told that if I did n't show up that the case would just remain open, NOT A Judgement for Default for not appearing .. I have a very hard time getting around and spend all of my time in bed because it is the most comfortable for my body, I leave My House every 3 months and that is to see my Dr. My Meds are even Delivered by the XXXX In XXXX XXXX That is the ONLY time I leave my home .. My Meds are very strong and I do n't like to drive to much on them and I have become a XXXX on top of the rest of the above ... I have lost my will to care about Myself and Yes I do Stress about Owing Money to Others ... I feel like a failure of the biggest kind, but as a Mother and Grandmother, I can not allow them to suffer or be homeless. I am terribly Embarrassed and feel Completely Dishonorable.. I ask that you find a way to forgive Me and My Debt in all cases .. Most Humbly and Embarrassed ...
Consumer complaint received 2020-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (IL)

In XX/XX/XXXX I had consolidated my debt with major bank companies using XXXX XXXX XXXX. As of XX/XX/XXXX, with only {$4000.00} left out of the initial $ 11,000+ I had in debt, XXXX had to drop me due to my unemployment status. I had worked with other banks on understanding specific information about my employment status and how I have been working on these bills and has reflected when these banks had worked with my by differing these payments and nullifying any compounding interest. Citibank took another approach, and had been exponentially raising their price. I had received a personal check from my father which was not in the window of my claim for unemployment insurance, and had hoped this would help get them specifically off me and lower their insanely high minimal payment due to the late duration. They had agreed verbally, but then I suddenly stopped receiving my unemployment benefits. I had asked my father again to help with a check but the check was held, and still is, until the XXXX. Given no reason as to why, the Citibank minimum payment has compounded and raised to a ridiculous amount and is not plausible to me anymore to make as a payment while still making a payment on my other bank accounts. Citigroup is known to have a plutotomy style driven goal for their future, and they see this horrible pandemic as a gateway to their ultimate purpose. Please understand that I am trying, and I am working closely with IDES and my old employer to get my funds in order and Citigroup has made it nothing but difficult.
Consumer complaint received 2016-02-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (NV)

A company called " Municipal Services Bureau '' calls every single day at XXXX XXXX PST ( previously at XXXX XXXX PST ) and has done so for about six months. Each time an automated recording asks that we call the company 's toll free number. I understand from an internet search that this company is a debt collection agency. I do not have any outstanding debts and wish for this company to stop calling me.
Consumer complaint received 2016-06-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (WI)

I opened a Citibank gold checking account under promotional terms where if I met the terms I would receive XXXX XXXX airlines AAdvantage miles within 90 days past the close of the statement in which I met the terms. I met the terms and 90 days past. I did not receive the miles. I value these miles at a minimum of {$500.00} so it is substantial compensation for me. I contacted Citigold and they promised an investigation. Nothing happened and they never contacted me. I want Citibank to honor the terms that I met and credit my account with XXXX AAdvantage miles.
Consumer complaint received 2015-06-05
Product: Credit card — 
Issue: Balance transfer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I received a balance transfer offer in the mail from Bank of America offering 0 % thru 2016 if I transferred an existing balance to a card that I had with them that carried a {$0.00} balance and a credit line of {$7800.00}. The day after the transfer was made, Bank of America lowered the credit line to the account to {$5800.00} which in turn caused the account to go from a {$0.00} balance to {$2000.00} over the credit limit. I was then told that the reason for decreasing my balance was due to what appeared on my credit score. I 'm now in a situation where my credit report will now show that I 'm over my balance on the account as a result.
Consumer complaint received 2017-01-24
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (NC)

XX/XX/XXXX, I contacted you about a problem I has having with Wells Fargo. The complaint number of my previous complaint was XXXX. The basis of my complaint was that Wells Fargo was reporting a collection balance on my credit report for a defaulted auto loan. This loan is not my responsibility. It is the responsibility of a couple by the name of XXXX and XXXX XXXX. I even uploaded a copy of the court order, which clearly started that the Capps were responsible for the defaulted account that appears on my credit report. Within a few days of filing this complaint, a lady named XXXX XXXX responded, and stated that she needed my address at the time the account was open, the last four digits of my social security number, and my date of birth. I responded with that requested information through the complaint portal, and I also postal-mailed the response directly to XXXX XXXX at Wells Fargo. I have also left her voice messages, but she does not return my calls. At this point, almost 2 months have past, and we have yet to have any response ( whatsoever ) from Wells Fargo. Meanwhile, they continue to report this fraudulent collection account on my personal credit report.
Consumer complaint received 2015-05-21
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

After my NC foreclosure funds ran out I called BOA for assistance. After XXXX missed payments I was told that I would need to fill out some paper work. I couldnt find XXXX for a few months, boa told me he was dead of course he wasnt. I missed XXXX payments, found husband, sent papers in, kept getting letters saying they were working on it. paid them XXXX payments XXXX and BOA tells me my payments were going to be XXXX, I asked counselor where did they get the numbers to work with to determine this was to be my amount. No answer..I fell at work XX/XX/XXXX on XXXX XXXX. I told counselor I could not make those high payments, she said you can modify 2 times in 5 years. XXXX sent to me again, questions were to be answered by signer was not told that so I sent in my information. counselor called she said we need for me and XXXX to write hardship letters and each sign the other ones papers. Again I asked what financials were used to get this amount, they used XXXX income from XXXX, when he was making XXXX a hour, for the last 3 years XXXX has been in WV, he said in XXXX he made less than XXXX, XXXX he got less than XXXX he did not file, his employers said they mailed them and then business was gone. XX/XX/XXXX he stated he started at a XXXX XXXX and has worked 4 weeks at XXXX a hour. 
I have called various banks and mortgage lenders and they state they get credit score and tax papers for doing a modification, not financials from 9 years ago. Im back down to losing my home again, i was told also to check into HAMP. I am so sick of playing cat and mouse with this bank. I was seriously injured on my job, no medical offered at that point, retained PI lawyer, they wont return phone calls, he has to file with State of NC for them not returning his calls in regard to my injuries looked at. BOA is stressing me out. I know BOA is the worse bank to deal with especially using old information
Consumer complaint received 2017-02-19
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (OR)

At the time of my divorce in XXXX I had a credit rating of XXXX. I filed a quit claim deed to transfer ownership of our property to my ex wife and she agreed to take over the payments, she did not make the payments on time which drove my credit rating below XXXX. Since my credit rating started going down I have tried on numerous occasions to get the bank to release me as the primary borrower to no avail. On XXXX XXXX, XXXX through XXXX XXXX, XXXX she quit making payments so I took her to court to try to recover the property before the bank foreclosed on it. Upon arriving in court I was presented with a loan modification which she and her attorneys claimed released me as primary borrower which it did not. This loan modification was executed on XXXX XXXX, XXXX without my knowledge, consent or signature. The court judge advised me to do my due diligence and upon doing so I discovered that I am still the primary borrower and am not released from my obligation.