davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-11
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

In 2008 We had a Countrywide loan when Bank of America took it over. Bank of America immediately put us into foreclosure proceedings even though we were not late on our loan. It took us 4 years, and finally negotiations from our state senator forced them to write us a Harp loan at 7.5 % interest. We want to refinance now and everywhere we go, they wont talk to us because our credit is showing XXXX late over 90 days. This is NOT OUR FAULT! How do we get them to remove it from our credit?
Consumer complaint received 2016-01-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (MA)

I applied for forebarence on my Navient loan which was approved. They continued to call and harrass me for payment anywhere from 6-10 calls per month. I finally spoke to a person in XX/XX/XXXX and they told me the loan was n't in forebarence even though I had a letter stating it was. I negotiated with the collections rep to make a double payment by the XXXX of the month every month until the loan was brought current. I made that first double payment XX/XX/XXXX on the phone. I sent the second double payment XX/XX/XXXX via mail which they received on XX/XX/XXXX. My next double payment should n't be due until XX/XX/XXXX. This morning ( XX/XX/XXXX ) I received a phone call saying my payments are late and need to be brought current. No record of course with me negotiating the double payment back on XX/XX/XXXX. I am doing what I said I would do and the phone calls and harrassment does n't seem to stop.
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I submitted a police report of a burglary which resulted in my identity theft back in XXXX. The company still have not deleted the wrongfully-reported debt of {$2400.00} in XXXX.
Consumer complaint received 2017-03-21
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: TD BANK US HOLDING COMPANY (IL)

This is not additional information on complaint XXXX. 
I sent the email below to XXXX on XX/XX/2017 telling him to put a note on my account and tell his employees to not contact me by phone again, only by mail, because they are harassing me!! Since I sent the email they called me again on XX/XX/2017 at XXXX an XX/XX/2017 at XXXX, so I am now sending it to your office to deliver to him too! His employees have been rude and unhelpful every time I contact them and he makes excuses for them, once I do pay this account off will be closing the account because of the horrible customer service, is no wonder there are so may complaints online for the same!! 




















Sat XX/XX/XXXX, XXXX XXXX, XXXX ( XXXX ) XXXX, I am having a problem with my account. I lost my job unexpectedly some time back and so my payment is now past due for XX/XX/2017. I contacted your account department to let them know what was going on and that I could not make a payment until the unemployment check was in my account, which will not be until mid next week. They then called my cell phone this morning at XXXX and woke me up ( from XXXX ), after I had just fallen asleep finally just a few hours before due to my concerns over the job loss, no promise of a new job yet even after sending out hundreds of resumes and interviewing with several employers, still waiting to find out if I am hired or not, having no financial help because I am only XXXX years old and already widowed twice and now both of my parents and their spouses are in theirs XXXX 's and have had XXXX, XXXX and XXXX so leaning on me at times. 




I want my account noted that I do not want to be contacted by phone or email, only by mail going forward. I am aware of the balance on my account, have never been late on a payment with you before, but can not pay my payment until I have money to pay it with. I live about two hours from the nearest XXXX 's location in XXXX, XXXX., but if you have a position open that will pay me enough to live in that area again in one of your stores I would be happy to take it and pay off my balance sooner. I am trying to get back over that way anyway, because there are more jobs closer to the city. I have also held high end retail jobs in the past with XXXX, XXXX, XXXX. 




Thank you, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2015-12-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CL Holdings LLC (IL)

I owed XXXX {$570.00} back in 2008 which is now off my credit report. This company that calls itself JEFFCAPSYS is trying to get me to pay them for it.
Consumer complaint received 2016-12-13
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have an line of credit with Bank Of America for {$370000.00}. I have never been late on any payment because they were charging me interest only. 3/4 months ago they told me my line of credit matured and now they will start billing me as 15 years principal & interest and they payment will be somewhere about {$2700.00} a month. I explained to them there is no way I can make that payment as I have first mortgage and rent is only {$2300.00} a month. I am already {$2000.00} upside down. I asked them if they can differed the loan as for 1 more year so my first mortgage will be finish and I can make the payment after that. They told me they can do nothing and I do n't make enough money to refinance. No body told me about hardship application or anything only thing they said was best thing to do is put it on short sale. I have made payment when economy was down. I borrowed the money and I want to pay it back. I just need help till XX/XX/2017 when my first mortgage will be over and I can make regular payment to Bank Of america. Now since they ruin my credit I ca n't even go and get any refinancing done at all. Please look at my payment history I have made good on my loan all this time even when economy was really bad. I do n't want to ruin my credit and I do n't want that I did n't make good on my loan on my conscience. Please help me fix this issue. It seems people who were good all thru the bad economy are getting punish for being good.
Consumer complaint received 2015-12-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I previously submitted a claim regarding Navient for harassment, unwillingness to work with me on a payment amount for my loans ( they wanted more than my rent monthly which I could not even remotely afford ), refusal to provide a payment plan in writing, refusal to keep to a payment plan discussed over the phone, and general belligerent and unethical business practices. I worked with XXXX XXXX to resolve this, which took months but it appeared to have been resolved with my only paying XXXX interest monthly. He promised to waive all the late fees and to provide me payment plan in writing, which was the prerequisite to me making the payments as they often up my payments and my interest without reason and without warning. After this conversation, I went to look online and once again they were trying to charge me more than was agreed upon, and they still had not provided me anything in writing. I have contacted XXXX multiple times since then to no response whatsoever. I would like them investigated again and would like a response, we well as the payment Plan in writing I was promised and my account restored to the payment plan agreed Upon, with late fees waved due to their complete lack of response to these issues.
Consumer complaint received 2016-10-27
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called outside of 8am-9pm
Company: Navient Solutions, LLC. (MI)

This company calls from XXXX a.m. to XXXX p.m. constantly, both cell, my daughters cell, and my home numbers. They will not work with you and will not set up affordable payment arrangements. I informed them I am not and did not co sign for the student loan yet they insist I did. They will not work with my daughter who is having severe financial difficulties. She is willing to pay but they want her to pay more than she makes in a month. They told her they do n't care if she eats or not and they do not care that she has other bills, a baby at home, daycare expense, etc. We have tried to block the number but then they call from another number. There are many numbers associated with this company and it is impossible for us to block them all.
Consumer complaint received 2016-05-13
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MD)

My concern is how the student loan repayments are calculated in an income driven repayment plan. I recently re-enrolled in an income based repayment plan with Navient. After doing so my student loan payments doubled what I was paying originally. I have contacted Navient and asked them if there is anything else I can do to lower my payments and they informed me that if I come out of the income based repayment plan that my payments would be higher. The only way for them to factor in only my income is for me to file my taxes married filling separate. I am trying so hard to manage my current student loan payments that is higher than my monthly mortgage payment and am wondering will there ever be a day any time soon when student loan repayments will be based solely on the income of the individual who has the debt and not the household income? Without me having to change how I file my taxes. After I pay my student loans I am unable to contribute anything else to my household. I am the only person paying back my debt, not my husband and certainly not our XXXX year old daughter. I understand the effects of having bad credit so I am working hard to ensure that I am not late or default on my student loans. I have even adjusted my tax deductions so that I could come home with more money to assist in taking the pressure off. I am asking, praying for some type of relief and pray that one day soon someone will hear my concerns and that of others and say maybe we need to rethink this. I appreciate you all taking time to read my concern. 

Thank you in Advance.
Consumer complaint received 2015-10-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I applied for and received a mortgage modification. However, the amount that my lender acquired to finance my modification far exceeded what I believe to be appropriate for my loan. As a result, I am repaying approximately twice what I calculated necessary for gap financing. I am seeking relief in the form of a determination of what was actually required to bring my previous loan current, and an adjustment of my loan to reflect that amount.
Consumer complaint received 2017-01-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CL Holdings LLC (IN)

I received a letter from XXXX XXXX XXXX regarding a debt from Jefferson Capital Group with a description of debt being XXXX. I wrote a letter requesting a copy of the accountholders agreement to verify the debt which I would have signed back to XXXX XXXX XXXX within the 30 days.40 days come and went and I never received a response. At this point I figured they could not supply the required documentation and left it alone. As of XXXX XXXX 2016, Jefferson Capital Group has now requested a summons from the court in order to solicit a judgment against me for this unverified debt for which the agency they hired failed to answer the requested letter I sent. According to research this tactic is how they get judgments against consumers which can negatively affect there financials.
Consumer complaint received 2016-01-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MI)

After closing my mortgage account with Chase Bank they have shorted me on my disbursement check. I had XXXX conversations with Chase representatives prior to my closing date of XXXX/XXXX/XXXX to confirm the amount that I would be receiving after my account was closed. This amount would include overpayment of my escrow account and overpayment of my mortgage payoff. I made my final payment on XXXX/XXXX/XXXX ( due date was XXXX/XXXX/XXXX ). The payoff quote was dated for XXXX/XXXX/XXXX so with my account being closed on XXXX/XXXX/XXXX ( the day following closing ) I paid on the account for 15 days that I did not own the home. Chase is refusing to reimburse me for these days although I was told twice prior by XXXX different Chase representatives. Also there was an issue with my escrow account in which Chase withdrew funds to pay my property taxes on XXXX/XXXX/XXXX. Chase states that my property taxes were paid at that time when in actuality they were not paid until XXXX/XXXX/XXXX. This created issues in receiving my overpayment of escrow disbursement. These funds which are mine were no where to be found for 25 days. I assume that they were in some account or stock drawing interest of sort for Chase. I have been taken advantage of by a large bank and I 'm sure several others have been as well.
Consumer complaint received 2016-08-25
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX I decided to end my business with Chase for various reasons, I did n't like some interactions I had with them of recent, and I did n't feel comfortable with them handling my money. 

On XXXX XXXX XXXX issued me a refund for XXXX purchases that did not download completely. After waiting a few weeks, I called Chase to inquire about the check refund. I talked to a supervisor named XXXX, who was fast to get me off the phone. I provided her the transaction number ( XXXX ) for the refund, for which she said that she could n't find, and then she abruptly hung up on me. 

I then spoke to XXXX in Claims Escalation, who would talk over and give me contradictory information, who then also hung up on me. 

Chase claims that they would not be able to locate the refund and issue a check. From past experience I know this not to be true. It 's alarming how Chase dose conducts business.
Consumer complaint received 2022-02-15
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. (NC)

I have sent letters to XXXX XXXX XXXX asking them to show proof of validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt XXXX XXXX XXXX. NOT who they have been paid by a third party. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This was NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you ( XXXX XXXX XXXX ). They responded and could not prove that i indeed owe a debt to XXXX XXXX XXXX. They are collecting for a company I have business with not them. With no signature of mine with XXXX XXXX XXXX. Account # XXXX
Consumer complaint received 2023-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (CA)

On XX/XX/XXXX  I payed the " Online '' payoff amount for my Direct Parent PLUS loan of {$16000.00}. 

Ed Financial received my online payment for the entire balance of the loan, but then charged me a {$310.00} " Rebate Reversal '' fee on XX/XX/. This is the fee I am questioning. 

Since the date of the " Rebate Reversal '' fee, I have talked to representatives of Ed Financial twice and asked them to justify the fee. The first time, on XX/XX/, they took my info and said someone would get back to me in ten days. The second time on XXXX, after again explaining that I was questioning the RR fee, I was put on hold for twenty minutes or more, then got disconnected. 

The " Rebate Reversal '' is still showing due on my balance, along with interest, at a current annual rate of 8.650 %. The Current Balance on my account as of today, XX/XX/2023, is {$310.00}.
Consumer complaint received 2021-01-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC (MO)

Hello, I would like to begin by stating that a portion of the debt is valid and I am willing to continue to pursue a settlement. 

The main cause for filing a complaint is the lack of communication with the debt collector, Credit Control Services, LLC. I have responded repeatedly to notices of the debt to begin finding a solution or settlement. However, I have not received a response from the debt collector acknowledging they have received written communication from me, or that they desire to attempt to settle the debt. Since I can not obtain any information or communication from the collector, and because a reasonable amount of time and attempts have passed to find such a solution, I am requesting that the debt be canceled and any negative items added to my credit report be retracted or withdrawn. 

I have attempted to contact Credit Control, LLC., on four ( 4 ) occasions and have attached copies of the two most recent files I have sent by USPS . 

The two most recent letters were sent by USPS on XX/XX/2020 and XX/XX/2020.
Consumer complaint received 2017-02-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

This is my second request for help. My mortgage payments were not posted on the correct day. I never spoke to anyone at Bank of America about my problem. I received in the mail a letter about the processing time for night drop that I was not satisfied with.
Consumer complaint received 2016-08-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (CA)

I am being harassed by Navient collection company for a student loan. I have n't received any documentation stating that this is my loan. Having this on my credit report is causing a hardship and possible loss of job. I am currently going through a XXXX and this negative action by Navient may cause me to lose my job. Please have Navient to stop the harassment and send me any documentation that states this account belong to me. I am requesting immediate action due to the fact that this account is being questioned by the investigators.
Consumer complaint received 2020-12-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received a letter from Bank of America which I had been banking at for over 15 years on about XX/XX/2020 saying they were closing 2 of my accounts for no reason. The letter looked odd but had a number so I called it but a recording said there was nothing I could do. Since I had banked at B of A for so long I went to the branch I bank at and spoke to a XXXX XXXX who made some calls and assured me that the letter was fake and to not worry about it. That is the only correspondence I received but then earlier this month I could not pull up these accounts and went back into B of A and spoke to XXXX XXXX who I have know at the bank for years. He could not do a thing and confirmed the letter was real and that per all of their agreements they can close my accounts anytime they want. Needless to say this was a shock as I am a small business owner that has used them for 15 years and now I had over {$200000.00} in their bank and I could not get to the funds. My accounts were closed so I had payroll for my employees bounce and many checks bounce because B of A is ( ) fill in the blank. To make matters worse I still have not received all of my fund yet from them so for over 2 weeks they have kept some of the funds.This has caused me great problems with suppliers that I have done business with for years.
Consumer complaint received 2021-01-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Richland Bureau of Credits Medical Service Bureau Inc. (OH)

Today XX/XX/21, I received a letter from RBC stating I had an outstanding debt for {$77.00} from the original creditor XXXX XXXX XXXX. They stated I had 30 days to send written notification to validate this so called debt. I immediately called XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, OH XXXX to inquire if had an outstanding balance. The lady I spoke with informed me that I did have an outstanding medical bill for the total amount of {$57.00}, I paid her over the phone, confirmation number : XXXX. RBC states in this letter I owed more than the original creditors balance. They was trying to pocket {$20.00}.
Consumer complaint received 2015-08-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MA)

I am seeking the legal dates of first delinquency on my former XXXX XXXX, now Navient, loans. Navient 's website, my recollection, the Navient phone reps, and my credit reports all disagree. Despite emails to Navient and phone calls and multiple requests to speak with a supervisor, I am given multi-levels of conflicting and inaccurate information. I believe that Navient has purposefully misstated the original delinquency dates in it 's records/credit reports to manipulate me into paying the debts. I am currently paying their collection agency, but some Navient representatives say they do not even have access to the name of the collection agency, that the Navient website no longer works, that the Navient website does n't get updated anymore, that the Navient website is not updated for people in collections, and that the website works fine and there is no reason for someone to have told me that. No one seems to be able to access my records other than to give me inaccurate delinquency dates. I am trying to obtain a legal document in writing detailing my dates of delinquency for each loan. I have tried to reach someone to explain why I think that they have the dates wrong, and to discuss searching for the correct ones, but I have been unable to reach anyone who can help at Navient. Furthermore, I was told repeatedly that I could not speak with a supervisor. Eventually, after arguing my case for getting a supervisor on the phone for an hour, I was transferred to someone 's voicemail that was so garbled, I did not even understand the name of the recipient. I left a detailed message asking for a call back and have not received XXXX. Therefore, I am concerned that said document may be inaccurate anyway and would prefer to discuss live in addition to receiving a written letter ( not an email ).