davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-15
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)

My student loan was XXXX XXXX now Navient. I called many times in the past to ask about different options because I could not afford to pay and phone representatives keep giving me the run around and they said that is was nothing they could do. I mentioned that they must have something to pay the loans back, meaning a program so that I could find something more affordable. They charged me outstanding fees on my account, told me to get in a forbearance, they also at some point when I take a break from school, had me on interest only payments. I have called many times and people over the phone have not and act like they could not give me options. They were aggressive and told me I just need to pay the money. At one point I was getting public assistance and I asked do they have something for people who are unemployed, do you charge interest if you are on a state program. I ca n't remember what year I asked the question. However, no one would help me. Private loans for Naivent aka XXXX XXXX are the worst ones to get because they originally did not explain how this effects me the in the lone run, that the interest rates change, that the loans would start getting interest as soon as I opened the loan. I was a kid still wet behind the ears, at XXXX, no kid every understands that type of information. I feel tricked and disguised with the way my loan situation has turned out and I am very disappointed that the government did not regulate private loans better to protect kids/ young adults for trickery.
Consumer complaint received 2016-10-31
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

I just received a call from a collection agency XXXX who bought an old debt from HSBC and is now threatening legal action. In addition, they called my job and left information with the person who answered the phone in reference to this. This is third party disclosure and is completely illegal.
Consumer complaint received 2016-09-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FCI Lender Services Inc. (MO)

My home mortgage was originally with XXXX, Then it was sold to FCI, which I have attached documentation. FCI illegally increased my from {$24000.00} to XXXX. Secondly. FCI needs to disclose the amount my mortgage was bought for because since my address did not change, XXXX sold this note, I am only legally obligated for the amount this mortgage was sold for. I also believe these payments with FCI to be illegal and the CFPB should investigate this company.
Consumer complaint received 2015-09-20
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

This complaint is for my Bank of America credit card. 

BANKF OF AMERICA IS CHARGING INTEREST ON CHARGES THAT ARE NOT IN ARREARS! 

On XXXX/XXXX/2015 my amount due was XXXX. I pay my cards in full each month and did n't have any charges in XXXX 2015 so my account had XXXX balance and no interest charges for all of 2015. 
On XXXX/XXXX/2015 my BofA online account showed a payment of XXXX. XXXX cents short. The error was mine. I mistakenly typed in a XXXX instead of a XXXX. 
The next statement, on XXXX/XXXX/2015 showed an interest charge of XXXX. 
I called BofA XXXX on XXXX/XXXX/2015 and spoke with XXXX ( not sure of spelling ). 
She informed me that interest is charged in arrears. I asked her how they could charge me XXXX dollars for being XXXX cents overdue. 
She then informed me that I was being charged interest on approximately XXXX in charges made up to the point of payment. ( Those charges are legitimate and I am not disputing them ). 

Conclusion : with no prior interest charges and being past due from the previous billing cycle by XXXX cents, Bank of America charged me interest on charges that WERE NOT PAST DUE. 
XXXX did reverse the incorrect interest charges but only due to my vigilance. 
I can only think that many people do n't know this especially if they carry a balance. 

I hope you pursue this. It is wrong.
Consumer complaint received 2016-06-14
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America is not trying to help me get the paperwork done so that I can get the fha loan modification in my name only, they expect me to get a modification with the co Barrower.! no Disclosure statement, they have had the Special Waranity Deed from my divorce attorney sence 2012. They also had the Divorce Decree, letter from the court, ,letter from the co- Barrower, Chapter XXXX Discharge papers, proof of The Barrowers Protection Plan insurance from BOA when I got the mortgage loan, and the personal protection order /restraining order against the co Barrower.
Consumer complaint received 2015-08-25
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I opened up this credit card in 2008. I have never been late on a payment. The majority of this debt was consolidated date because I had a 7.79 percent rate on this card. I always paid double the amount of the min payment. This last year I have been working hard to get other debt with higher interest rates paid off so I reduced my payment to the minimum on this capital one card. My payment was {$250.00}. I went out of town for a period of time in XX/XX/XXXX and XX/XX/XXXX and my bank makes the payments automatically. Unbeknownst to me the min payment went up {$3.00}. So in XX/XX/XXXX they received {$250.00} instead of {$250.00}. In XX/XX/XXXX ( I was out of town and did not know it was {$3.00} short ) They received {$250.00} instead of {$250.00}. I got back and realized they have raised my APR from 7.79 % to 24.99 % over a shortage of {$3.00}. I called and asked them to reduce it back considering my history of never being late and simply because it was not ethical to raise the APR to 24.99 %. I will never get out of debt paying this rate. I spoke to XXXX different people over a period of 3 hours. The last person XXXX ID # XXXX basically said she knew and understood what had happened and she knows what I want ... to have the rate lowered back to the original..but she WAS NOT DOING IT. It is not a matter of the dollar amount agreeing that {$3.00} was a meager amount to be short but rather that I was short twice and that it was not worth saving a good customer over {$3.00}. She was a horrible customer service rep. I wonder if Capital One really does not value good customers as she portrays. I want the interest rate reduced back to what I deserve having always paid on time. I was not " Late '' on a payment I was short {$3.00}. That does not warrant raping me financially. I owe Capital One {$15000.00}. They stand to make a lot of money over a {$3.00} mistake and this should not happen much less be legal business practice.
Consumer complaint received 2016-05-04
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one sent me new cards with new numbers they did not have the info from my other card before doing it. All my payments and charges were all doubled on the bill. I knew I paid it off a few times yet they refused to acknowledged the payments made on the other cards. They have done it 3 times with XXXX card. Having no record when using paperless makes it easy for them to deny they payments it also helps them to rip people off if they think you have no record of the info. I think paperless is a nightmare.I have requested that they go over the bills 5 times now each time I pay more money it 's gotten out of hand. I am a XXXX woman my husband is XXXX we have no help with our problems. Please help me get to the bottom of my problems.
Consumer complaint received 2016-02-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (CA)

In XXXX 2015 my husband went on XXXX, the year before we had a modification, we were not prepared and 3 months went by when i called Suntrust they said we no longer offer repayment plans you have to pay it all. Well, we did not have all the arrears then since my husband was in XXXX. His process lasted until end XXXX and in XXXX they dismissed his case and went back to normal pay by then i had already submitted a workout package to Suntrust. They went ahead and recorded and XXXX and by XXXX NOT even do we were under review, telling we will postpone. Then mod gets denied and they tell me that we no longer aqualify for any workout because of our previous mod ( which was never explained that if we got that mod and there was a change of circumstance we will not qualify ) Everytime i call i get told we have a sale date but send a package for review, then i get told no you dont qualify, i feel there is dual tracking and nobody really knows what to tell us anymore. All i have been asking since last summer is for a repayment plan since we are back to normal and im making enough money to cover the payment and the arrears in a repayment plan i even offer them to add to back of the loan and do a balloon payment. our goal was never to loose home, in XXXX when we got the XXXX my wife lost her dad which put my family at more stress. We have worked with Suntrust and provided all the documents required 3 times already and honestly not sure why. I am a XXXX from XXXX XXXX with 20 years in and i have proposed several solutions to them to help and now the only solution is {$28000.00} or foreclosure, to my understanding CFPB is her to help and at this point i have no other than to ask for help. My family loves our home i did not get sick on purpose life happened and now i am trying to take my house out of foreclosure, when Suntrust can clearly see i can afford it and will repay them. We pay the home insurance on time all the time and keep up the house and take care of the home, we have {$7000.00} saved to start repaying all we need is a chance to get cought up. 
Thanks for your help XXXX
Consumer complaint received 2015-07-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Found an offer on XXXX to open a Capital One 360 account and receive {$400.00} after receiving two direct deposit of {$250.00} within XXXX days. Opened XXXX accounts, one for the wife and XXXX for myself. No where on the offer is it stated that this offer is targeted to specific individual. After going over with multiple CS, they keep saying that this was a targeted offer and only available to a select few. XXXX accounts have not seen a single penny of {$400.00} and only seems like a way to dupe us into opening and maintain new accounts since we have already switched our DD at work
Consumer complaint received 2015-06-26
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Legal Prevention Services, LLC. (TX)

This firm calls my office phone almost daily and leaves messages stating that they are with " legal prevention services '' and that I or my attorney must return their call by end of business day to prevent further action. They have also contact my mother at her home and mobile phone. I did call them back and asked them to not contact my mother again which to my knowledge they have not. I also asked them to reference what debt this is related to. They provided information over the phone but have yet to send anything in the mail as I requested. This sounds like an old debt that is beyond 5 years and I 'm not sure of the status.
Consumer complaint received 2017-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (OH)

I have many unauthorized ATM transactions on my checking account. I filed a dispute with Citibank. The person I was supposed to contact was never in when I called, and vice-versa. We played phone tag and then she apparently just gave up. My claim was denied because of this, over {$3000.00} of bogus charges. My days are often spent in the hospital for treatment and I 'm not usually around during normal hours. Also, I 'm XXXX and have to rely on XXXX XXXX. It 's frustrating to use. Now, the lady I was supposed to contact ca n't be the only person in all of Citibank that can help me. She could at least tell me what she needs from me so I can send it to her. I want this resolved!
Consumer complaint received 2017-09-29
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica (WV)

Direct Express has not responded to me about my bank statements. I have called them 3 times, they can not even tell me if they have been mailed. Each time I call they ask me the same information over and over but do not give me any information. These bank statements are needed immediately for an application. They told me it would be 5 to 10 days each time, it has been over 15 days today since the first call and they will only mail them, they refuse to send by email or fax.
Consumer complaint received 2017-09-29
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC (MD)

XX/XX/XXXX : I was supposed to close on my short sale today but I am no where near that because roundpoint mortgage is not providing quality timely responses. They have denied every allowable charge submitted by peace mailing responses. I'm not coming to the table with anymore money. Roundpoint should pay for closing assistance, ground rent, hoa, water assessment as allowable charges!!! If the buyer walks away it's going to be Roundpoint's issue. Enough of the run around!
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Receivables Management Partners, LLC (MI)

Attempts to contact and resolve the removal of paid items from my consumer credit report have been unsuccessful. Debts either do not belong to me or have been paid in full. I am requesting that they be completely removed from all three credit bureaus. There should be no delinquent or derogatory items listed. This is preventing me from being able to purchase a home, and I have been denied a home loan twice. See items below : 1. ( Money Recovery Nationwide ) XXXX XXXX ( 3 accounts as follows ) : 1. {$750.00} 2. {$360.00} 3. {$220.00} 2. ( XXXX XXXX ) XXXX XXXX ( accounts ) 1. {$210.00} 2. {$340.00}
Consumer complaint received 2017-09-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I get between 5 and 10 calls per day from USAA. I talk to the first caller in the morning, and the calls still continue the rest of the day. We lost our business in XXXX, so we have not been able to keep up with our credit card debt ... we are just trying right now to save our home. I tell them all the time ... when I have some money, and get ahead ... I will start taking care of the debt ... but it does n't matter, the calls continue all day.
Consumer complaint received 2015-11-02
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (AR)

Have my payroll check deposited to a rush card. Unable to access my funds using PIN number. Tried to change PIN number without success. Unable to access funds. Could still call activity number and get my balance. Could pay bills that did not require PIN number. As of today I am unable to get my balance or any information on my account. No one will answer the phone either. I have XXXX that I ca n't access to pay my bills.
Consumer complaint received 2016-07-12
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (MS)

I obtained a mortgage loan from Wachovia Bank in 2008. This loan was transferred to Wells Fargo when they purchased Wachovia. In response to a complaint filed, I was recently sent all closing documents related to this loan. However, there were XXXX pages received that were not provided to me with other loan documents at time of closing. Upon review, I noted that the page with the initials are fraudulent, and the notary seal does not contain all the information required by the State of Mississippi. Requirements for Mississippi notary seals can be found at : XXXX ( See page XXXX, Rule 5.20 ) Considering other discrepancies previously identified in the original mortgage documents and the invalid notary seal, the loan should be deemed null and void
Consumer complaint received 2016-04-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: CL Holdings LLC (AR)

JeffersonCapitalSystemsLLC has been harassing me regarding a debt purchased from XXXX XXXX pertaining to an early termination fee of {$100.00} over 2 years ago. Both companies have most recently listed the account as having been opened under the term " automated '' late last year on my credit report. This occurred after another collection agency had sent me an offer to reduce the amount owed if I agreed to pay in full. Jefferson Capital has made numerous inquiries into my credit, given incorrect information such as multiple case numbers, multiple company name variations and were listed as a seperate owner along with XXXX listing on my credit report. I have also received multiple calls on my cell phone which is on the national 'Do Not Call ' list. After being sent several collection orders lacking the original debt 's owner information and number a cease and desist letter was sent over a year ago via mail. I disputed XXXX early termination fee from the start and am tired of this situation.
Consumer complaint received 2016-02-04
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Huntington Bank is refusing to produce the records requested by a subpoena dated XXXX XXXX, 2015, for copies of specific documents from an IRA account for a deceased account holder. It appears Huntington Bank issued checks to the wrong beneficiaries on the IRA account of concern. Huntington Bank personnel indicated they disbursed beneficiary checks to XXXX ( XXXX ) individuals and they provided the names of those individuals ( XXXX sisters and XXXX nieces of the deceased account holder ). A Huntington Bank document in my possession indicates there was only XXXX ( XXXX ) primary beneficiary ( XXXX of the sisters of the deceased ) and XXXX secondary beneficiaries listed on the beneficiary document. The beneficiary document indicates that secondary beneficiaries are not supposed to inherit any monies unless all primary beneficiaries are deceased. The primary beneficiary is alive. On the document we possess it is noted that the primary beneficiary is supposed to receive 25 % of the account funds. Therefore, the remaining 75 % of the account funds are supposed to be probated ( or distributed via a settlement between the parties ). I am a probate beneficiary and I also am acting on behalf of the other probate beneficiaries for this account. Huntington Bank is also refusing to provide our attorney, me, and the primary beneficiary with the requested documents. Huntington Bank 's failure to comply with the subpoena is creating additional stress, attorney fees and expenses for me and the other beneficiaries, as well as causing a serious delay in the resolution of this probate estate matter and further duress by this delay. Huntington Bank needs to provide copies of actual requested documents to our attorney immediately. If Huntington Bank is not able to provide copies of actual documents matching the distribution made by their agents, Huntington Bank needs to request that their insurance company restore the funds to the IRA account and await further instructions from our attorney regarding the proper distribution of the beneficiary funds. Also, Huntington Bank billed our attorney {$16.00} for sending our attorney a letter with the information improperly provided ; the subpoena requested copies of actual documents and not someone 's typed interpretation of those documents ; Huntington Bank needs to reimburse me for that charge ( passed on to me by our attorney ). Huntington Bank will also need to reimburse me for all attorney fees, legal fees, expenses and court costs created by their mistakes and improper delay of this case. Thank you for your assistance.
Consumer complaint received 2017-01-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC (GA)

In accordance with my rights under the Fair Debt Collection Practices Act, I am hereby requesting formal validation of the alleged debt you are reporting to the major credit reporting agencies on my behalf. Please note that I am not requesting a simple account summary but instead you should forward the following information in a timely manner : 1. Validation that the alleged debt was established, including a signed application for credit. 

2. Formal certification that the alleged debt was transferred to a third party if applicable. 

3. Notarization regarding the alleged debt 's P & L application to federal or state tax write off. 

4. A complete monthly accounting history from the alleged debt 's inception through the present date, including any alleged charges, penalties, service charges, and payments, as well as a certified attestation regarding current status. 

5. Documentation regarding your company 's compliance, including applicable bond, regarding debt collection laws in my state. 

I will look forward to receiving the requested documentation so that this matter will not escalate further. Otherwise, you are prevented from reporting this account to the consumer reporting agencies. Any further reporting is in violation of the Fair Debt Collection Practices Act ( FDCPA ) section 809 ( b ) 15 USC 1692g.
Consumer complaint received 2017-01-24
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)

I have been repaying Students Loans to XXXX XXXX and now Navient for the past few years and have been a victim of the exact things they are now being sued by the federal government for. I was never given different options of repayments and they always encouraged me to take a forbearance during my times of financial hardship.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX  XXXX Balance : {$300.00} XXXX  XXXX Balance : {$360.00} US DEPT ED XXXX Balance : {$1300.00} US DEPT ED  XXXX Balance : {$930.00}