davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I have had my identity stolen and I have had bank account opened in my name I have bank in the us XXXX XXXX and bank of America opened they say i owe them XXXX dollars and they have also opened up a XXXX dollar insurance policy on me without my consent using a private insurance company not keep on record
Consumer complaint received 2015-10-13
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Windham Professionals, Inc. (MN)

I am receiving multiple phone calls daily. Similarly, friends of mine are getting between XXXX and XXXX calls some days asking for my contact information. I do not recall ever giving anyone this friend 's contact information, not even as a reference.
Consumer complaint received 2016-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (LA)

Early in my marriage a spousal consolidation was taken out with what is now Navient ( FFELP department ). At the time it seemed like a good option. We are now divorced. I want my loans separated from his loans. If a major corporation is going to allow spousal consolidations, they should make allowances for spousal divorce of physical person as well as financial person. If one of the parties refuses to pay, that leaves one party holding the debt. There is nothing democratic, fair or ethical about that situation. The department of education needs to fix this issue immediately and HELP the consumers who are trying to HELP THEMSELVES. My credit and payment history are being ruined by my ex-spouse, and Navient refuses to allow some way for me to reconsolidate MY loans into MY OWN account and get financially free from my ex-spouse. 
Also, as a single mom, I am trying to better myself by furthering my education in graduate school without taking out any further loans. Navient is refusing to give me a school deferment because they will not take my ex-spouse 's off of the overall loan. Unless he is in school as well, they will not put the loan in deferment. This problem needs to be corrected! There needs to be a way for spousal consolidations to be fairly rewritten upon divorce so that one person is not left paying all the debt.
Consumer complaint received 2016-10-22
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo keeps avoiding the issue. The most important aspect of deciding a Reverse Mortgage is understanding all that is involved in such an intricate complicated form of a home mortgage. They continue to produce everything other that the most crucial counseling documents such as, an approved Office of Elder Affairs Counselor, an opt in document, face to face counseling with an APPROVED Elder Affairs. The Counseling certificate that Wells Fargo has produced is not even valid in Massachusetts.
Consumer complaint received 2016-11-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (AZ)

I was making my student loan payments on time. My Father passed in XX/XX/XXXX. I notified Navient that my Father passed. I was in good standing with Navient. Upon hearing of my Father 's passing from me. Navient transferred my loan to a Collection Agency called XXXX. I made another call to Navient, asking them why my loan was transferred to XXXX. The Navient Representatives ( I talked to several CSR 's ) did not know why my loan was transferred, when they could see I made my payments, and said they can see in my account that my payments were on time. I called XXXX, and they said, I have no rights to talk to them about the Private Student Loan. And would not discuss the Private Student Loan with me. They sent a demand to the Estate Lawyer that they are collecting from my Father 's Estate. 
NAVIENT has been reporting to the credit agencies that I am late, They have now reported that I am in default.. I have been handed over to XXXX for full collection of the loan. During this past year, I have contacted Navient, and they would only say, that they would fix my credit when I showed them proof. I emailed them that proof on XX/XX/XXXX. They transferred my account to XXXX, which is collections in Navient as I understand it. In addition, Navient has transferred my loan to a company called XXXX. They are demanding {$12000.00}. This is more than was owed on the loan to begin with. 

With an open Estate the Courts rules " the personal representative should not pay any claims until after the time for filing claims has expired '' Furthermore, a " Notice of Rejection '' was sent to XXXX 's and they did not respond to the notice by the date specified in the notice to creditors, and according to Estate Court rules, Navient is forever barred from collecting the debt. ( G.S. 28A-19-3 )
Consumer complaint received 2016-11-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CO)

I am currently a customer at Wells Fargo. For the pass few months there have been an excessive amounts of over draft fee 's. This is a result of pending transactions not being processed in the order that they occurred. They are also pulling duplicate debits to charge a late fee. I have noticed that they well have a pending transaction, then remove it because of not have more then XXXX over draft charges in one day. Then the same charge will appear on my pending transactions the next day that they had removed the day before. I have overdraft protection but the limit is {$310.00}. Wells Fargo well reorder transactions to put my in over draft, and reprocess debits that will put me way past my overdraft limit. 

In the last statement ending XXXX XXXX,2016 I had a total of XXXX in deposits, and XXXX in debits. There can be seen to be an excessive amount of over draft fees during the month. I currently have over {$1100.00} in overdraft fees, and over {$450.00} in returned item fees for the year to date report. In the statement before that, ending on XXXX, there was a total of {$420.00} overdraft fee, and {$140.00} returned item fee. With the overdraft protection they have allowed to go way over the supposed limit.This month they have continued to re pull transactions from weeks before to put me further into overdraft, despite my direct deposits. 

On XXXX XXXX, 2016 I called customer service to see if pending transactions could be canceled. The customer service rep said no because the money was already taken out of the pending transactions. However, they are able to cancel other pending transactions and then pull them to try and process again the next day causing more fees.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my foderaly protected consumer rights to privacy and confidentialily under 15 USC 1681.

15 U.S.C 1681 section 602 A States I have the right to privacy.

| 15 U.S.C 1681 Section 804 A Section 2 : It also states a consumer reporting agency can not furnish a account without my writien instructions | 15 U.S.C 1681c. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse lom of informetion, other than records of convictions af crimes which antodates the report by more than seven years. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Yield to High Deposits, Rewards, Missed Deposit and Reserves Prompted Balance Precision Balance Amounts XXXX XXXX, XXXX to XXXX XXXX, XXXX Balance {$75000.00} Receipt deposits {$12000.00} to XXXX Balance {>= $1,000,000} Deposits Credit though not in receipted {>= $1,000,000} to {>= $1,000,000}, {>= $1,000,000} BOA Revenue and Reserves Balance {>= $1,000,000} XXXX to XXXX XXXX XXXX and Reserves Balance {>= $1,000,000} At account opening interes computation on interes is calculated on combined account from checking and saving Bank errors are found on interes computation yielding is daily can not presumably tune to XXXX XXXX 366 days and is contradiction to 12 months APY computation notion Actual Rate interes on receipted deposits base on relationship from XXXX to Present, XXXX {$12000.00} to {$40000.00}, should come out to not below 20 % daily Beside prompted and position Bank of America to become number XXXX twice in prior 10 year with net reserve BOA {>= $1,000,000} aggregate balance $ XXXX {$700.00}, {>= $1,000,000} Daily Interes sum on combine account deposit is $ XXXX and even applying your so call XXXX formula yield $ XXXX/daily multiply to 130 days yields $ XXXX yield come to $ XXXX multiply to XXXX cycle is {$25000.00} month, Minimum 3 times breach fees apply from XXXX to XXXX {$75000.00} Base on not applicable concealment, not adequate notice and yield breach trend from deposits {$12000.00} to {$40000.00} on 12.5 % ( {$340000.00} ) ( XXXX ) {$540000.00} ( XXXX ) = {>= $1,000,000} Itemized cyclic computation from initial cycle interes on combine accounts is {$1600.00}, from initial date XXXX XXXX, XXXX, .04 % ( XXXX ) {$1400.00} and XXXX XXXX, XXXX, .04 % ( XXXX XXXX {$200.00}, Second Cycle sum is {$46000.00}, XXXX XXXX, XXXX, .04 % ( XXXX ) {$700.00} and XXXX XXXX, .04 % ( {$38000.00} ) {$45000.00} Third Cycle total is {$42000.00}, XXXX XXXX, XXXX, .04 % ( XXXX ) {$36.00} and XXXX XXXX, XXXX, .04 % ( {$34000.00} ) {$41000.00} Fourth Cycle sum is {$39000.00}, XXXX XXXX, XXXX, .04 % ( {$30.00} ) {$36.00} and XXXX XXXX, XXXX, .04 % ( {$33000.00} ) {$39000.00} Fifth Cycle Sum is {$39000.00}, XXXX XXXX, XXXX, XXXX ( XXXX ) {$38000.00} XXXX XXXX, XXXX, .045 % ( XXXX ) {$470.00}
Consumer complaint received 2016-01-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NV)

I applied for assistance in saving my home from foreclosure. I hired an attorney who submitted my full complete financial information package to my lender Wells Fargo Home Mortgage on XXXX XXXX, XXXX. Wells Fargo refused to review me for assistance and since that date has refused to accept my application. Now they have filed a Notice of Default and I am in the process of being foreclosed. They have put my account with their re-entry team who said that there is no change in my circumstance and they will not officially review my application. I am told by my attorney that RESPA Regulation X requires my lender to review my full and complete financial application as long as it is received more than 37 days prior to a sale date. It was full and complete and no foreclosure was started at that date. My attorney asked Wells Fargo Home Mortgage for a denial letter stemming from my application submitted on XXXX XXXX, XXXX and they said there is no denial letter because there was no review. Today my attorney called Wells Fargo Home Mortgage and asked them what was the date of the last review done on my mortgage for assistance and they replied XXXX XXXX, XXXX. This is completely unfair and I believe illegal for Wells Fargo Home Mortgage to evade reviewing me for assistance. I was denied XX/XX/XXXX due to missing paperwork. ( See attached letter from last review ) My attorney worked very hard in XXXX XXXX to clear up all of that missing paperwork and Wells Fargo still simply refuses to actually review my case and issue me a finding like they did on XXXX XXXX, XXXX. My attorney states Wells Fargo is doing this because I now have some equity in my home and they simply want to foreclose me without giving me the chance to save my home. Wells Fargo Home Mortgage thinks they are above the law by creating the re-entry team who 's sole job is to evade reviewing home owners for assistance in saving their home. The re-entry team does not issue the 5 day letter confirming they have the financial application, they do not review it in the 30 days required by RESPA Reg X and they do not issue a decision. They simply verbally tell you they wo n't review the file. My attorney finally got Wells Fargo Home Mortgage to issue a letter stating this on XXXX XXXX, XXXX ( Attached ). However, other than that letter I have never recieved any correspondence from Wells Fargo Home Mortgage regaring my application which was submitted on XXXX/XXXX/XXXX and confirmed received by Wells Fargo Home Mortgage on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX my attorney spoke with Wells Fargo Home Mortgage and they verbally told them that they are refusing to review the application and no letters or findings will be issued in writing.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NJ)

Over the years I have paid thousands of dollars, only to continue to have the same remaining balance. When I would call to ask why this was happening. I was told my interest rates are variable. I find it extremely convenient for Navient that my interest varies every month to prevent me from paying off my balance. If this continues I will pay off 3 times or more what I borrowed for my XXXX degree. I have also tried to consolidate and get fixed loans or offer a large lump sum payment to settle and I was told that is not an option with Navient. Something does not seem right with there accounting and as someone who does n't know the in and outs of my loan calculations, I tend to take what they say I owe for face value. I feel cheated by there system.
Consumer complaint received 2015-10-26
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO. (OH)

This has to do with a Chase/Freedom card I have linked to my Chase checking account, primarily for overdraft/cash advance purposes. On XXXX/XXXX/15 I incurred a cash advance of {$1300.00}. When I received the card statement in the mail, it indicated that I had a balance of {$1300.00} ( advance + interest ) due on XXXX/XXXX/15. I set up an autopayment of this amount via Chase 's online system for that amount to be paid on XXXX/XXXX/15, which was done. Then I received another statement indicating I still owed {$18.00} on the account even though I had paid off the balance indicated on the previous statement. I attempted to work through Chase 's customer service to get a credit for the {$18.00}, to no avail. I asked them this question, and could n't get an answer : " How do I ever know what my 'official ' balance is, if the balance on the statement is not correct? ''
Consumer complaint received 2015-12-17
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I applied for a mortgage with Bank of America on XXXX XXXX. When I contacted XXXX XXXX that day he bragged about BofA 's on time closing rate and said they would be able to close on our new home XXXX XXXX. He ran # 's and asked for me to send him required documents. He said we were approved to buy the new house and then sell our home 3 days later. Every conversation with the man he assured me we were good to go for XXXX XXXX. We spoke XXXX and he assured me we were on track. Myself and my real estate agent called/emailed repeatedly the next week asking if he had received the title. Friday, XXXX XXXX he finally gets back with me to tell us he had been out of the office at a funeral and did not have the title. There was no email kickback during his absence saying he was out of the office and to contact someone else or an updated voicemail saying to call someone else. So not only could we not close on the XXXX of XXXX because he did n't have someone working on our file while he was he out, but he had n't done the math correctly ( or contacted someone who could do the math correctly ) and we would have to close on our current house XXXX before closing on the new property. The math should have been done when we applied for the loan and we should of been told up front. We were pre-approved for a non-contingent loan by multiple other lenders. So instead of renting a truck for a day for {$100.00} and having the weekend to move and clear out the old house, we would have to get a POD for {$1000.00}. We reluctantly changed the closing to a dual closing on XXXX XXXX. We received the final disclosure on XXXX/XXXX/15 and I found errors. There was no {$500.00} for failure to close on time as promised by BofA, no {$200.00} for being a preferred rewards BofA member and XXXX had forgotten to add {$500.00} from the seller for repairs. I immediately called XXXX XXXX, XXXX manager, and she put me in contact with XXXX XXXX. XXXX did not get back to me until the evening of XXXX/XXXX/15 and at that point we were faced with XXXX choices. Close on time and lose out on the {$500.00} for repairs agreed upon in our contract with the seller or delay the closing and be homeless for XXXX. She asked if either was acceptable and I told her no. She said she 'd contact her manager and get back to me the morning of XXXX. I have yet to hear anything. So we have lost {$2100.00} because of XXXX XXXX and XXXX XXXX inability to do their job effectively.
Consumer complaint received 2016-08-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (TX)

I obtained an auto loan back in 2015. I set payments up to be made every two weeks. My payment is {$370.00}, I set payments of {$200.00} every two weeks to make " extra '' towards my account. I have been reported twice for late pays and have incurred a few late charges. I called to try to correct this and they said that they NEVER apply over payments to principle and they just roll it over to the next month. They have been really rude and unwilling to remove the " late pays '' from my credit. Was told that even if I am one day late they charge the late fees. I think this is completely unprofessional and this, to me, is extremely shady business. I thought I was doing the right thing and getting ahead, but their banking practice is unprofessional. Why would you not apply ANY extra money to principle? They are making it to where I can never get ahead on this loan and they are continuing to make money off of people who are trying to do the right thing. Any " extra '' money should have been applied to principle. Is n't there a " grace '' period? I am completely disgusted with this bank and their banking process. They are out for their profits only.
Consumer complaint received 2015-08-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (WA)

I went to XXXX college ( now known as XXXX ) in XXXX Washington. That was a mistake, I graduated from there with a XXXX, only I never received a certificate. I called the school multiple times to no avail. They kept giving me the run around, so here I am stuck with a private student loan from the horrible XXXX XXXX. I would get up to five calls a day with threatening voicemails. At that time I was working at a fast food restaurant barely making enough to live on. I eventually started a payment plan and was paying around two hundred dollars ( automatic withdrawl ) a month. Does n't seem like a lot, but it hurt. Since I was issued a new bank card I thought I would call XXXX XXXX and let them know and give them my new information. Well, I called and it sent me directly to a collection agency, so this whole time I was paying a collection agency and not XXXX XXXX. My place of work ended up closing down due to the economy and I was unemployed for over a year and was unable to make any payments. the loan now sits in a collection agency ( it 's been shuffled to a few different ones ) with the interest adding up.
Consumer complaint received 2015-08-02
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (IL)

OCWEN CAUSED OUR FORECLOSURE TODAY, BY FAILING TO PROCESS THE XXXX MODIFICATION WITH XXXX BANK IN XXXX NO. XXXX. WE DIS N'T GET ANY CLAIM FORMS FOR THE OCWEN NATIONAL SERVICING SETTLEMENT.
Consumer complaint received 2016-02-05
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (SC)

I have an account with Green Tree/Ditech. I 've been paying this mortgage for 17 years. In XXXX 2015 I received a check from GT/Ditech. The statement read the amount was not enough to reinstall the loan. They accused me of missing a payment. A payment was n't missed. I have carbon copies of all my checks I 've sent them. I have continued to make payments & return all the checks they have sent me. GT/Ditech are charging me outrageous fees & legal fees. They have even hired an attorney to take me to court. This company has caused me so much grief & pain over craziness. They need to be stopped. My payments are {$490.00} a month. GT/Ditech is stating I owe them over {$6000.00}.
Consumer complaint received 2016-09-02
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: IQOR US INC (CA)

I have been trying to get Allied Interstate/XXXX to communicate with my credit counselor regarding my debt. Despite receiving verbal and written authorization to do so, they still refuse to communicate with him. 

I have also agreed to a settlement amount of {$1500.00}, but the last time I spoke with Allied they told me that they could only mail the settlement letter and that they would n't date it for further than 10 days from the day I spoke with them - which would not give me enough time to send the settlement payment.
Consumer complaint received 2023-06-19
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)

Transunion is erroneously reporting a fraudulent inquiry on my credit report. The inquiry shows as XXXX XXXX XXXX, and after several attempts to resolve this issue via phone conversations, disputes, and documentation being sent. The account still appears active as of XX/XX/23. The account has been reporting since XX/XX/23 and having been done as identity theft, I would expect Transunion to safeguard my personal security but has failed tremendously.