davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-17
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CNG FINANCIAL CORPORATION (TX)

The collection rep assigned to my account threatened to send faxed documents to my employers and ensure I pay them. Keep in mind I attempted to notify the rep she was threatening me on a recorded phone line. I have email receipts showing twice were an incorrect zip code is still being entered on their part and XXXX continues to contact a phone number that they have NO AUTHORIZATION to call!!!! I have an email confirming the incorrect zip code was entered again! I also have an email confirmation from my employer reflecting the same issue!
Consumer complaint received 2016-12-03
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC (NM)

The woman I talked to was rude! I simply asked where the debt was coming from. All I had was a statement not from who it was from. I know it 's medical related, but I did n't know from where so I could n't deal with the situation. I talked to my insurance and they said I needed certain information in which the lady could n't provide me with it. I think if you 're trying to collect then you should do a better job!
Consumer complaint received 2016-09-14
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: PNC Bank N.A. (DC)

Tuesday, XXXX XXXX, 2016 Dear Consumer Financial Protection Bureau : I must file a complaint against my bank PNC. The bank has dug up my records and called my mother tonight at XXXX EST regarding my credit card. I know that I have rights and one of them is to not to involve my family. I have never provided PNC with my mother 's phone number because we live in different states. This is intentional way of scaring me and bullying. Moreover, I experienced fraud in XXXX 2016 with PNC and filed a previous CFPB complaint. Here is the case number : XXXX. PNC knew about my bank fraud situation because on XXXX XXXX, I filed a fraud complaint with PNC. Obviously, this is intimidation. This has just happened tonight. I will provide more information if and once it becomes available to me. 
CFPB can contact me at either my email or my phone. My phone is XXXX. My email is XXXX. Thanks. 
Sincerely, XXXX XXXX
Consumer complaint received 2016-03-17
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (WA)

I recieve a call about getting Grant money to my account, they ask for a fee to do transfer, I sent them {$220.00} from with Western Union track # XXXX, after I sent them the money they did not transfer and ask for more. They have me call this number XXXX and the reciever is XXXX XXXX in XXXX.
Consumer complaint received 2016-08-15
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (AE)

I 'm currently serving overseas and I have used Western Union since 2007. I 'm now being subjected to constant stoppage of my transfers by western union and told it 's because I 'm a long time customer. I 'm made to wait on the phone for up to thirty minutes or I 'm disconnected and have to go through the same frustrating procedures over and over again. Why does WU treat their loyal customers that way? especially it 's military customers who are overseas and have to rely on WU to get money promptly to their families? It is very frustrating to have this stoppage every time I try to send money to my family members.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

Paid off both of my Mortgage and HLOC accounts with Wells Fargo on XX/XX/21 and was hit with absorbent fees on the payoff. I refinanced with XXXX XXXX  XXXX at that time. Wells Fargo charged much more on the payoff than was expected which I then had to finance more with XXXX. Thank you.
Consumer complaint received 2017-02-08
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY (CA)

Closed my Wells Fargo Credit card in XXXX they still ran a credit history which gave a hard hit on my credit score. I was issued a new credit card based on this hit in end of XXXX without my concern and knowledge. When I tried to call them and ask why am I receiving this card now since I canceled my Credit card in XXXX they just replied me that we will cancel it and do n't worry about the card just throw it away. Before I ask any other further question about my credit score the customer service agent just dropped the call. Please help me close the account and dispute the hard hit on my account.
Consumer complaint received 2015-12-09
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A. (OH)

My line of credit was called before term was up. Payment in full was demanded. I requested options. After 60 days I received a call offering a modification only to find the account was being reported delinquent on my credit. I never received bill or delinquency notification. When I logged into my account online it does not show delinquent either.
Consumer complaint received 2017-01-19
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Choice Recovery, Inc. (OH)

I received a call regarding an old disputed medical debt. We have fought the original creditor because I was on XXXX and no bill should of existed. The collection agency was told of this dispute yet still applied the disputed, inaccurate item on my credit bureaus. When I requested they validate the debt they responded with a letter claiming we can validate but due to HIPPA Regulation we ca n't supply that information. So they reported information on my credit history but refused to validate the debt. They have violated FDCPA and FCRA and even though I have disputed this debt that they refuse to validate, they continue to report the inaccurate information damaging my good credit.
Consumer complaint received 2017-03-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened a checking account at Bank of America and elected to not have overdraft protection. About XXXX months later they covered a debit card overdraft for less than XXXX dollars and charged me XXXX dollars. I contacted them by telephone and explained the situation, they reimbursed my account and I was satisfied. Then XXXX months ago they hit me again for XXXX overdrafts.This time when I called them I got the " POLICY '' run around and they refused to reimburse me. Can an institution violate terms of a contract by declaring a " POLICY ''?
Consumer complaint received 2015-07-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TX)

Attached you may find proof of consecutive payments to XXXX XXXX. Navient reported private loans to the Credit Bureau as charged off and closed. XXXX has informed me they do not own the account and are simply collecting on behalf of NAVIENT and NAVIENT owns the account and can report the account in repayment. XXXX is not reporting the account. I am trying to enlist in the XXXX XXXX and to complete enlistment the XXXX XXXX needs a XXXX Online Report reflecting payments and updated status on Navient private loans. My enlistment is contingent on providing clarification of this reported charge off by NAVIENT on my credit report as in good standing and under repayment. Please help my dream come true to serve for my country. A Supervisor from XXXX XXXX has asked me to contact NAVIENT and speak to a supervisor since they do not own the loans and I have been repaying on time since XXXX of 2012 and payments are going to NAVIENT and not XXXX. I kindly ask for your assistance in facilitating any communication to the Credit Bureau since the loan is appearing as NAVIENT charge off.
Consumer complaint received 2022-11-10
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: Experian Information Solutions Inc. (NY)

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

XXXX XXXX XXXX XXXX : # XXXX, XXXX  XXXX/XXXX  # XXXX, XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  : XXXX XXXX XXXX XXXX  : # XXXX XXXX & XXXX : XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX : # XXXX XXXX  XXXX XXXX  : # XXXX XXXX  XXXX XXXX  : # XXXX XXXX  : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX : # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-06-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

XX/XX/XXXX we had fallen XXXX months past due with our mortgage. BOA said we are here to help you. While all along they have been giving us the run around and trying to foreclose on our home. They would not take any more payments even though we were only behind on XXXX payments at the time and suggested that we get a lawyer because they were not going to take any less than what was owed. We have been trying to work with them on a loan modification from XX/XX/XXXX till XX/XX/XXXX. We have been tossed around from multiple customer relationship managers. Some in which were very rude and ignorant and would not keep us up to date as to what was going on with our case or even return our call. At one point in our case they said that there was a code put on our account and that they could give us any information. However we are the ones that have the mortgage with them. They had supposedly qualified us for a special forbearance program however neglected to tell us the details of the forbearance and kept sharing our information on our account with a lawyer that we had fired months ago. Now they keep saying we do n't qualify for anything because we never signed and sent the special forbearance in. Well I guess not when they never contacted us with the details while all along communicating with the wrong lawyer. And not speaking the correct lawyer. Now they are forcing us out of our home because they refuse to work with us. The government has programs put in place for people that need help. And from every law firm that we have talked to we qualify for something because we have suffered threw a hardship. This has put a tremendous strain and suffering on our family. Bank Of America says they are here to help while all along they give you the run around and force you out of your home instead of working with.
Consumer complaint received 2024-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

I looked at my credit report on XX/XX/XXXX and noticed XXXX inquires on XXXX and transunion credit report I didn't authorize.i request XXXX and transunion to verify that I didn't ask for credit with following creditors and to remove them immediately and they didn't delete them from my report ( # XXXX ) capone : on XX/XX/XXXX ( # XXXX ) XXXX XXXX  : on XX/XX/XXXX ( # XXXX ) XXXX XXXX : on XX/XX/XXXX ( # XXXX ) XXXX XXXX XXXX : XXXX XX/XX/XXXX ( # XXXX ) XXXX  : on XX/XX/XXXX ( # XXXX ) XXXX  XXXX  XXXX : on XX/XX/XXXX ( # XXXX ) XXXX : on XX/XX/XXXX ( # XXXX ) XXXX XXXX : XX/XX/XXXX ( # XXXX ) XXXX XXXX : XXXX ( # XXXX ) XXXX XXXX : on XX/XX/XXXX ( # XXXX ) XXXX XXXX  : on XX/XX/XXXX I asked for proof and the didn't verify the inquires and they are violating fcra code ( 15 u.s.c 1681 ) sec 602 my right to privacy.There is a need to insure that consumer reporting agency 's excercise their grave responsibility with fairness impartiality and respect for the consumers right to privacy. ( 15 u.s.c 1681 s-2 ) reporting information with actual knowledge of errors. A person shall not furnished information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.please delete these XXXX inquires
Consumer complaint received 2015-04-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America keep charging me over extension fees on returned check that have been returned. I ask them to charge me " XXXX time '' the {$35.00} insufficient funds fee, I will gladly pay that amount for each return check, but not {$35.00} over and over again for XXXX check and then another {$35.00} for some extended fee they keep charging.
Consumer complaint received 2016-05-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

I was set up on a financial assistance program in XXXX due to financial hardships due to changing jobs. I then found out that I was canceled due to the representative setting my payments up as an ACH transaction as opposed to a purchase. I received numerous collection calls after this was set up and this was the only way I knew that my account was changed from a positive to negative standing. I then called and spoke to a supervisor to get this set up again in XXXX. I come to find out today, 5-10, that I was cancelled per a rep. named XXXX. XXXX told me that " the head manager '' declined me, not because the financial assistance program was n't being followed, but because Navient changed their mind in determining my repayment ability. I asked XXXX for an email with some specifics so that I could later call back and speak to a manager but he said that " he was the one who dictated what could be communicated '' and what I wanted was not available in any form. XXXX was rude, intimidating and not helpful. I already paid money to Navient yet do not know what my account status is. I am very worried and concerned that my credit will be affected. I need help.
Consumer complaint received 2015-12-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I had XXXX Bank of America checking and saving account. Someone compromised the second account I had and used it in a different state that i 've never even been to. They deposited a fake money order into my account, forging my signature and all. I got a call from letter from BOA saying saying my accounts were closed due to fraud. I explained to them what happened and they said they were n't able to help me. I now have a fraud alert on checks system and owe BOA money! This has all been very frustrating to me knowing someone stole my account info and the bank wo n't do anything to solve this issue.
Consumer complaint received 2015-04-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

BANK OF AMERICA MODIFIED MY LOAN IN 2012. AFTER PAYING FOR 10 MONTHS THEY DECIDED I WAS IN FORECLOSURE, TOLD ME NOT TO MAKE MORE PAYMENTS. WHEN I ASKED WHY THIS WAS HAPPENING, NO ONE WAS ABLE TO TELL ME WHERE THE ERROR WAS AND HAVE REFUSED TO HELP ME.
Consumer complaint received 2015-05-16
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My brother and I applied for a home mortgage as first time buyers wit BOA this year. We intended to put 20 % down for a home costing {$150000.00}. Our combined salaries are $ XXXX. We were declined based on my bother not having enough trade accounts and because my debt to credit ratio was too high. Here is where the incompetence becomes egregious. BOA did not include any of the credit accounts my brother indeed possessed on the loan application, so it appears as he had no credit history and the credit card omitted was a BOA card ( and the other was a cell phone bill, both having more than the year of required payment histories )! For me, I told both the mortgage officer and his immediate supervisor that all of my credit cards were paid done to reflect 25 % of the total credit for each which cost me about {$9000.00}. I paid the cards on Monday. Yet, BOA then went ahead and pulled my credit report again on Tuesday, then declined the loan on Wednesday and said there was no change in my credit debt ratios and that my report only showed a {$24.00} reduction in balances. Even a security guard at BOA knows that credit reports are not updated so quickly as to reflect payments made on accounts in a day. I was also charged the {$450.00} for the home appraisal to be done. When I asked the mortgage officer about this he told me that there was no way I could have been charged when the appraisal had not taken place. I sent him a copy of the charge and got no response from him until he sent the e-mail informing us of the loan denial. I was also able to log into the BOA mortgage section and noticed that many of the documents that we submitted had not been uploaded into the system as if they had no record of our submissions just before the denial It seems to me that if BOA was interested in financing the loan they would have advised us to push back the closing date and allow time for the payments on my credit cards to be updated on my credit report and actually included my brother 's trade accounts on the application. The e-mail informing is we were declined came almost 2 weeks after repeatedly contacting our officer to ask for a status update and two weeks before the closing date. The whole experience has made us reevaluate our relationships with the bank and made us grateful that we did not enter into a 30-year relationship with a bank that has shown an extraordinary lack of competent business practices and professionalism.
Consumer complaint received 2015-07-16
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America Credit CardOn the website ( XXXX ) it states:0 % for XXXX billing cyclesApplies to purchases and to any balance transfers made within XXXX days of opening your accountThe implication of the additional words " and to '' are that the XXXX day condition applies only to the balance transfers. However, when speaking with XXXX, a representative of the bank, and after signing up for the card, I was told that this was not true and that the XXXX day limitation applies to new purchases as well. 
Additionally, the representative told me that the XXXX day condition was from the time the account was opened - a full XXXX days before the card was received and could be activated. 
I would like to request a formal review and that Bank of America be instructed to revise the information on their website to be less misleading. I believe the website wording is intentionally misleading for the purpose of fraudulently charging interest to unknowing customers.
Consumer complaint received 2017-02-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CO)

I feel we we 're mislead with the forbearance. The interest that accrued over the course of forbearance is close to {$20000.00} in 5 years. The original loan was {$58000.00}. We did not fully understand this process. During this time, we went through a bankruptcy. This is our daughter 's student loan taken out as a parent loan. We also did not realize she was not on the loan at all as the plan was for her to pay her loan. She worked in low income schools as a XXXX and was not able to get the loan discounted as it was in our names only. We would have done the original loan as a cosigner if we had been offered that option. Our complai n't is with the servicer both XXXX and Navient. The school attended was XXXX.
Consumer complaint received 2015-11-05
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (NY)

I am in a five year XXXX at XXXX.I am XXXX through my thesis year. Recently, I am being harassed by my student loan provider ( Navient AKA XXXX XXXX ) to make payments IMMEDIATEY regarding XXXX of my student loans. The amount their asking is XXXX of my monthly income ( before taxes. ) They refuse to adjust the payments, saying that the payments are already " so low. '' I have requested that they apply in-school forbearance and they responded that I should have read the fine print, which says that " in-school is only 48 months. '' Dude, I was n't even legally an adult when I signed those papers. I got no warning over the summer that my payments would due soon, which is the time when I could have saved for or attempted to pick up a second job. I only get calls when they want money. They call every day, even though I am not even thirty days past due. I am actively paying tuition so that I can even graduate in the spring, and paying XXXX XXXX {$100.00} a month. I ca n't do anymore than I am already doing and still expect to get any value out of all this education. The only option that they gave me was to pay a {$100.00} fee to get a one month forbearance. 

I 'm so stuck and frustrated and they wo n't even treat me as a person. It 's like talking to a robot who only sees you as a bank account.