davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC (NV)

Around the end of last year, I used an alternate payment source to pay my installment loan with Lending Point. I was asked by the representative if I wanted to save the payment source for auto withdrawals, to which my reply was " no ''. Lending point saved the payment source anyway and took unauthorized payments the next 3 months via that payment source. I contacted Lending Point in XXXX so they could stop charging that unauthorized payment source and correct the matter. I was informed that my call was escalated and a manager would call me back to remedy the issue. While Lending Point did indeed call me, it was never the escalated callback. I notified Lending Point that I was ceasing payments until corrective measures had taken place regarding them making unauthorized charges to that account. I again requested that supervision reach out to handle the matter. This call never happened. Recently, I received credit bureau notice that this account was severely overdue. I again reached out to Lending Point to attempt correction. The call was again escalated yet this time, I was immediately connected to a supervisor. I informed the supervisor of the situation who later confirmed the information I gave. I was told that the representative that made the " mistake '' faced corrective action, yet the only correction Lending Point could make was offering a hardship program to " catch me up ''. Lending Point intends on using their protocols and policies to justify violating consumer rights and technically committing bank fraud. After tirelessly trying to come to a fair and just result, I am left with no further option but to
Consumer complaint received 2016-02-09
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I am complaining about a bait-and-switch credit card offer, for an XXXX credit card offered by Bank of America. XXXX is promoting a XXXX Signature card, which provides for free baggage check and other worthwhile benefits. I applied for the card, on-line, and was approved. I received a credit card in the mail, but after taking a closer look, I saw that it was a Platinum Card, not a Signature card. The card did not include free bag check, or any other significant benefits. The card had a {$1000.00} limit, and cost $ XXXX. I had not applied for this card. When I called B of A, I was told that the card already had a {$50.00} charge. I was able to cancel the card, but I was disturbed by the obvious bait-and-switch tactic. I went back to the XXXX web site. Nowhere does it say that I am applying for a Platinum card. " Platinum '' is not mentioned on the home page, or on the Signature card promotion page. It is only when you go to the application page, that the Platinum card is even mentioned, and nowhere does it state that the application is for either card. It is only by going down to the " Terms and Conditions, '' at the bottom of the page, and then scrolling down through the " Terms and Conditions '' to a section that is not even initially visible, that a provision appears, in the smallest type font on the page, stating that B of A may approve a Platinum card, instead of a Signature card. But even there, it does not state that by applying for a Signature card, XXXX is also applying for a Platinum card. I applied for a Signature card. The application was approved on-line, without the need for any further action on my part. I was not told that I had only been approved for a Platinum card, or given an opportunity on-line, to reject the Platinum card before it was shipped. 

This offer is clearly designed to allow B of A to bait-and-switch the Platinum card for Signature card, without any adequate warning to the consumer. If I had not closely looked at the card after it arrived, I would have ended up paying a {$50.00} fee for a high interest, low limit credit card that did not have the benefits that I thought I was receiving. 

I spoke with representatives of both XXXX and Bank of America, explaining the deception, and asking that they change the ad. The XXXX representatives with whom I spoke agreed that that web page was deceptive, but told me there was nothing that could be done, because Bank of America controlled the content. The Bank of America representatives told me that someone would be in touch with me, but I have not been contacted.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (GA)

I was approved for a XXXX dollar loan and denied the XXXX dollar loan. I did accept a lower amount. The loan in the amount of {$12000.00} was added to my loan account and is included in loans that I am paying back. When I contacted the loan company ( Navient or maybe XXXX XXXX at that time ) about the issue they said it was the schools mistake and has to be resolved there. When I contacted my school, my school said to contact the loan company. The issue was never resolved by either and I am paying back {$12000.00} dollars that I do n't owe.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NC)

Navient We where on the repayment income base and they failed to inform us that it was time to re apply and in doing so my husband credit was messed up and it took us forever to get help getting back on a repayment program. They even harrased us and called us alot and offered no solution just threats. I never reported all this because I thought they would just get away with it.
Consumer complaint received 2015-11-02
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX a fradulent amount of {$35000.00} was charged to my Bank of America credit card and transferred to a bank by the name of XXXX bank by a criminal. I called by credit card company to report this fradulent activity. I fear that my bank account information and identity has been compromised this is the second time this month some theif has goe into XXXX separate account of mine and my wifes. Can someone please investigate this incident. My statement from Bank of American showed that {$35000.00} dollars had been transferred to someone 's bank account at XXXX Bank, I called XXXX bank and they would not give me any information. Please investigate who this criminal perpetrator is and who has stolen my personal account information???
Consumer complaint received 2016-03-28
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My payment on my credit card was received by Bank of America 4 days after the due date, generating a late fee as well as interest. The interest charged to me was an overcharge. In the next month, another interest payment was assessed to me. This was incorrectly charged. Bank of America was unable to specify what that interest charge pertained to. With respect to that month, our bill was timely paid early and in full, plus a large overpayment. Our overpayment to Bank of America occurred because its bill was incorrect because it failed to credit our previous month 's payment, continuing to bill it as a charge still due. So we paid the previous month 's bill twice. Interest was then assessed, twice, on entirely wrong amounts, none of which were owed.
Consumer complaint received 2016-03-16
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Greenback Recovery Group, LLC (AZ)

This complaint concerns the actions of Greenback Recovery Group in an attempt to collect a debt. On XXXX/XXXX/16 I received a voice mail message from XXXX XXXX at GR Group. She identified herself as a " Senior Arbitrator '' in the legal division, and stated that she had received documents identifying me as the " primary Respondent ''. She proceeded to state that I had written " bad checks from a XXXX Bank checking account attached to a social security number ending in xxxx ''. She then threatened to " pursue charges under the Federal Bank Fraud Statute for XXXX XXXX, Arizona ''. On XXXX/XXXX/2016, I received another voicemail message from Greenback Recovery Group. This time, XXXX XXXX claimed that " this matter has been approved for suit for A XXXX XXXX filing to bring you up on XXXX separate charges for Theft by Deception, Breach of Contract, and Writing Bad Checks out of your XXXX XXXX Bank account ending attached to your social security number ending in XXXX, and I do have the full social ''. She stated she represented an unnamed attorney network. At no time during either of the messages on XXXX/XXXX/16 and XXXX/XXXX/16 did she identify herself as a debt collector. Additionally, I had not received any kind of written correspondence from the GR Group. I contacted my attorney, XXXX XXXX. They then provided me with a demand letter that failed to identify the current creditor. I have attached a copy of this letter, and I have XXXX voice mail messages saved. Not only have I been the victim of illegal collection practices under the FDCPA, but I believe GR Group has violated the Arizona XXXX. XXXX XXXX XXXX ( XXXX ), a person commits theft by extortion by knowingly obtaining or seeking to obtain property or services by means of a threat to accuse anyone of a crime or bring criminal charges against anyone. The use of the threat language to " bring charges '' for theft by deception, writing bad checks and violations of the Federal Bank Fraud Statute is a clear attempt to get me to pay on a claim for breach of contract, by putting me in fear of criminal prosecution. I have been very distraught over these threats. I believe my attorney is in contact with the XXXX office regarding GR Group 's violation of XXXX XXXX. The communications with Greenback Recovery group have been very threatening, and much of the language used, such as " Senior Arbitrator for the legal division '' and " approved for Suit '' seem intended to convey that the collection agency is a Law Firm. 

My attorney, XXXX XXXX, can be contacted at XXXX.
Consumer complaint received 2017-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

In reviewing all my payments to Navient over the past five years I have noticed that my payments amount against the principal has fluctuated. I have never been late and I need to know why in various month the amount of going against the interest has increased. To be exact this has happened on 11 separate payments.
Consumer complaint received 2016-02-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was finally provided a loan forgiveness from Bank of America of {$120000.00} in XXXX 2015. I was also given a letter from Monitor of the Bank of America Mortgage Settlement stating that Bank of America has set aside {$490.00} XXXX in funds for tax relief for those of us that receive a loan forgiveness from BoA. I am now sitting with my taxes and seeing that I owe over {$40000.00} in State and Federal taxes due to the loan forgiveness. I have attempted to contact the XXXX but they have stated they are no longer providing tax relief. I have gotten no further information on how to access these funds.
Consumer complaint received 2016-05-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

I am having issues with my loan servicer " Navient '' according to the federal student loan site I should be able to do the following. 
" Can I pay more than my required monthly payment? 
You can make payments before they are due or pay more than the amount due each month. Paying a little extra each month can reduce the interest you pay and reduce your total cost of your loan over time. If you want to ensure that your loan is paid off faster, tell your loan servicer that the extra you pay is not intended to be put toward future payments. 
However, Navient will not allow me to apply additional moneys paid each month to principle. For example my XXXX statement has a monthly payment of XXXX due XXXX/XXXX/16 which XXXX should be interest the balance XXXX principle. I made a payment on XXXX/XXXX/16 20 days early. My account was credited as follows XXXX interest XXXX principle i have contacted and tried to work with this servicer to be able to pay additional principle. In addition to this issue they recently lowered my payment from XXXX to XXXX this only severs to make the loan longer there by earning more interest.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

Ive been garnished through my income for multiple loans issued first by XXXX XXXX, then serviced through Navient and collected through some debt firm called XXXX. These are multiple private loans Navient has claimed are mine. Through their goons at XXXX, they have claimed to serve me, get a judgement and issue a garnishment, all without my knowledge. Now, the courts have told me I need thousands spent to file papers to state I was not served properly. I think this whole process is duress, as I was intimidated from the start. Now they collect almost {$200.00} per check from me for these loans they are claiming are mine, which I never was able to fight.
Consumer complaint received 2015-10-16
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XXXX XXXX, XXXX Bank of America reported on to the credit bureaus that account # XXXX was included in a bankruptcy. I do not have a mortgage account with Bank of America, nor was this account included in a bankruptcy. Bank of America sold my property for {$160000.00} On XXXX XXXX, XXXX realizing a profit of {$21000.00} of which I did not see a penny of nor was I informed of foreclosure procedures or given an opportunity for Redemption.Bank of America Illegally foreclosed upon XXXX XXXX XXXX # XXXX on XXXX XXXX, XXXX, reporting the property to the IRS as abandoned and claiming assignment of a Grant Deed from " Country Wide Home Mortgage. '' This was Illegal a predatory hostile take over in conspiracy with XXXX and XXXX Attorney for XXXX XXXX XXXX XXXX. In XXXX XXXX Bank of America advertised the property for sale for cash only through XXXX, agent XXXX Bank of America sold the property to a XXXX XXXX XXXX for {$130000.00} cash and closed on the property on XXXX XXXX, XXXX. For Bank of America to have now claimed that that same account was a part of a Bankruptcy on XXXX XXXX, XXXX is the highest form of FRAUD and has cause me irreputable Economic, mental Anguish, damage that one can not recover from. 
I demand that Bank Of America make restitution, be Sanctioned, be fined and must pay damages to the maximum allowed to XXXX XXXX. 
This was the most blatant rapping of a property from it 's owner imaginable. First of all Recntrust changed my name on the tax records in XXXX of XXXX, of which they had no authority to do so and without any notice to the owner. Bank of America said to RECONTRUST, not s fast, you ca n't do that, so RECONTRUST in XXXX XXXX transferred the property over to XXXX who reported the sale price as {$210000.00}, then there was this claim of an Auction of the property on XXXX XXXX, XXXX of which never occurred, the Auctioneer said that the property was sold in house, that Bank of America bought the property. Bank of America was contacted and they said that the XXXX XXXX bought the property for {$160000.00}. In the meanwhile that very day Bank of America claim to have recorded the sale for {$160000.00} reported to the IRS that very day and in addition, that the property was " ABANDONED. '' Documented proof from Title and Escrow to verify above stated information. I would like to have the Federal Government regulators reign over these MORTGAGE cheaters, Bank of America, XXXX, XXXX, Country Wide, XXXX XXXX all have caused such loss, financial ruins and damages to so many people like me. I want my property back and I want Bank of America to pay for their predatory acts against innocent people. I am a senior citizen, these are the people that Bank of America and XXXX and XXXX prey upon to suck the life out of and cause them economic bankruptcy and leave people destitute. The resolution her is for the Federal Government to step up to the plate and STOP these predators and to stringently make retribution to their VICTIMS.
Consumer complaint received 2016-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (TX)

Navient has been the servicer of my student loans. ( Just today, I completed an agreement with the XXXX XXXX XXXX XXXX to consolidate my loans and change to a different lender, so I am not sure where my status will be when you get this. ) On the Navient website, when I look at my account, loans are listed that have been paid off by me, but are NOT loans that I took out. They are listed as XXXX XXXX of XXXX XXXX. I have spoken to Navient about them on multiple occasions, with no satisfactory resolution. The responses I have gotten include 1 ) getting disconnected on the phone when they tell me they are getting a supervisor ( This has happened so many times. I have made them promise they would call me back if we get disconnected. They never ever do. ) 2 ) Sending me copies of a promisory note that has nothing to do with XXXX 3 ) Telling me they will look into the matter and let me know in 7-14 days. They actually CALLED ME today ( first time! ) in response to the comment I made on their " survey at the end of the call '' regarding contacting the Bureau of Consumer Protection. I explained my probelm. It sounded like they were taking good notes. This time they said they saw the problem and would send me a response in the mail in 7-14 days ( response # XXXX above ). She said it could be a computer input error. I want to know how I can get my student loan payments audited to find out if my payments have been applied appropriately - maybe there have been other " computer input errors ''. I took these loans out about 30 years ago and I think I STILL owe more than I originally borrowed! How do I know my payments have been correctly applied? How do I know the interest has been correctly calculated and applied? How do I know if these are really all my loans? I have a low level of confidence in Navient 's integrity and quality control. I selected " Federal Student Loans '' on this complaint process, because the loans I have taken out have been federal, although I do n't know what the XXXX. of XXXX XXXX is - probably private, so I hope I am routing this to the correct department. I am attaching screen shots of what I see in my account on Navient 's website, as well as my XXXX XXXX XXXX from XXXX. How do I get my student loan history audited??
Consumer complaint received 2016-06-28
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NY)

Midland Credit Management has been trying to collect on a credit card debt I had accrued on a XXXX.. 

The debt letters they sent me stated that my max percentage of discount I could receive would be 20 %. 

The mother of my children who 's lived with me for XXXX years also has some credit card debt with XXXX . Frankly it 's more my debt, but anyways point is, it 's ALSO in collection status and also with Midland Credit Management. 

The offer she was given was 40 %. When I contacted MCM management the supervisor acknowledged that our accounts are not being given the same discount percentages. Instead XXXX tried to negotiate with me. He was negotiating terms like a salesperson at a commisions based electronics store .... 

When I asked him to match the 40 % discount given to my wife, he said being in my shoes he would do the same, however, he was unable to provide me 40 %, only 35 % and the reason for it was because my account was in some other type of department or status, that was all he could say. 

When I told him that negotiations were not part of why I was calling, he tried to tell me to basically take it or leave it, and even told me to hang up the phone, it made no difference to him. 

I repeatedly expressed my desire to make a payment agreement of either 40 % XXXX time payment or 35 % XXXX payments before we got off the phone. The offer which was made to me prior was 30 % at XXXX payments ( 50 % each ) to pay off the balance. One supposed to be made on XXXX XXXX and one for XXXX XXXX ... 

However, XXXX XXXX felt it was better to try and negotiate percentage points with me. He would NOT accept ANY arrangement asked by me. Instead everytime I would ask him if they would accept a deal, they would instead just counter with a lower percentage, and would require it as a 1 time payment. 

Tired of this harassment, I told them to cancel ALL payment agreements until I was given the correct percentage discount off my debt that my wife was receiving for the same creditor/collection agency. 

I urge for your assistance with this matter, to prevent this company from allowing to continue doing business as it is currently. They have poor training it seems at MCM on how to deal with consumer debt as I was literally negotiating with a high level supervisor over a matter of 1-3 % at times .... 

Ultimately they failed to match the discount given to my wife, so I canceled any payment agreements until they get their act together.