davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-06
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America Refinance Home Mortgage sent me low rate refinance home mortgage notice by mail. 
So I applied and provided everything what they need for qualifying of me to get low rate refinancing. 
But he sent me following Email and want pay appraisal fee. 
" XXXX XXXX, I tried to call you about could not get through. I have tried this several ways, and there is not a way I can get you approved because of the debt to income being too high. 
The last thing I would want you to do is pay for an appraisal if we can not get you approved. 
Wish I had better news for you, I wish you guys the best of luck here. 
Regards, '' I have a good enough my credit and income for qualifying the loan. 
I do not understand why they refusing to approve my refinancing. 
XXXX XXXX XXXX
Consumer complaint received 2016-04-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I originally got my mortgage through Countrywide which then became owned by Bank of America. I was downsized for a time during the collapse of XXXX and Bank of America sent me a modification agreement adding excessive fees that put me {$16000.00} backwards on what I owed on my house without a clear explanation and added four years to the length of time my mortgage would be paid. They never even sent anyone to the house to look at it the property, but I know they billed us for that. I would like to know if my original mortgage was legal, if Bank of America has a copy of that note, as well as if a reduction of principle balance is possible because they overcharged me. It also appears that they 're reporting my credit history with XXXX 30 day lates and XXXX 90 day lates in recent months when I have not missed a payment since XXXX. We 've been making biweekly payments since XXXX and it does n't appear that they 've been applying as much money to principle as they should be.
Consumer complaint received 2016-12-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Went to local ATM with teller assist in XXXX, MD to cash check and deposit cash on XXXX/XXXX/2016. ATM with Teller assist not working. Due to long lines could not wait had to go to work XXXX XXXX XXXX. Got OD charges because deposit not made by certain time on XXXX/XXXX/2016. XXXX OD charges {$35.00} each. 
Requested refund due to ATM with Teller assist not working. Customer service Rep XXXX on XXXX/XXXX/2016 at XXXX advised : 1 ) Why did I not deposit previous day ( because payday was XXXX ) 2 ) Why not use mobile App to make deposit ( because I ca n't cash check with mobile app AND I do n't have mobile app ) 3 ) Several other ATM 's within driving distance ( Went to ATM close to home and job and within my available time ) This customer service representative was argumentative and confrontational in their words and position taken with a polite voice. 
This customer service rep represented the Bank as if the Bank 's broken ATM/Teller Assist functionality is not the Bank 's problem, is not the bank 's responsibility and will not address any problems caused to the consumer as a result of such broken equipment. I disagree. 
This Bank a XXXX dollar Bank, should take responsibility for broken equipment and should reverse fees caused if they resulted from a consumer 's good faith attempt to use the bank 's services that they expected to be there.
Consumer complaint received 2016-03-14
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (GA)

In order to attend XXXX University for the 2 years I did, I was subject to using XXXX XXXX loans to cover the costs of attending XXXX. My loans are up to {$81000.00} from over {$100000.00} because of military reasons. They are currently forcing me to pay them {$880.00} PER MONTH, which take a whole paycheck every month. I do not know who Navient is, but it seems that now I must pay through them at this time, due to some unknown transfers of loans before a certain period of time. I still feel they are blatantly stealing money from me and others, plus forcing people who get paid under minimum wage to pay nearly {$900.00} per month is completely absurd. The company also told me, in the last forbearance conversation, that there are a limited number of times I can postpone my payments, and I am on my last one.
Consumer complaint received 2015-12-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: CITIBANK, N.A. (CA)

Citi Card. XXXX XXXX. {$27000.00}. 
Citi Bank XXXX - Account ending in XXXX XXXX XXXX XXXX XXXX NV XXXX Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this charge off until a refinance inquiry. 
I have been trying to resolve this account for over two years, and I have not received correspondence from Citi. 
I have continued to make payments without any correspondence from Citi Card.
Consumer complaint received 2015-06-16
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

At the end of XX/XX/2015, I reached out to the holder of my current Mortgage, Bank of America, to explore refinancing. I spoke with a mortgage specialist and spent an hour giving detailed financial information. I then XXXX with that individual with more of my financial information via email after she sent her email link to me. I then never heard back. I tried outreaching about XXXX times and never heard a thing. I feel so uncomfortable having revealed every detail of my finances to this stranger, who then never XXXX with me in any way. I then reached out to a different lender to refinance and am about the close an a refinanced mortgage. I feel this should never happen to a consumer. Forget the wasted time..that 's nothing to the feeling of having shared my financial information and having it sitting " who knows where? '' Also, whenever we go directly to Bank of America to pay our mortgage in person, they always ask if they can discuss refinancing. It 's unacceptable for such a large bank to be so sloppy with it 's customers. To date, I do not have any sense of where my mortgage application went and in where all of my financial information sits.
Consumer complaint received 2015-12-16
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC. (WA)

XXXX XXXX called from Navient on XXXX/XXXX/15 at XXXX XXXX, regarding a client, XXXX XXXX, who has an outstanding student loan. I know XXXX XXXX, however, but in no way associated with this loan. XXXX XXXX has contacted me on my cell phone, called members of my family and friends releasing confidential information about XXXX XXXX ' debt. He gave this contact number XXXX. I called him back, however, he refuses to answer his phone. At XXXX time, he picked up the receiver and placed it on the desk. I could hear voices talking on the phone. This has to stop and I will start with placing a complaint.
Consumer complaint received 2016-12-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

CAPITAL ONE BANK USA ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX Phone:XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CAPITAL ONE BANK USA or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CAPITAL ONE BANK USA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (TX)

I have several months of negative reporting for Acct # ending in XXXX from XXXX, which is showing " pays as agreed '' however, it 's showing delinquent from XXXX to XXXX of XXXX. And the other Acct # ending in XXXX from XXXX to XXXX, is reporting negative from XXXX XXXX to XXXX XXXX. During these time my loan was actually in Deferment/Forbearance status. So this credit reporting is inaccurate and should not be negative on my credit report. I DO NOT want my loans to be removed because of the age of the account, which I need on my credit report for history.
Consumer complaint received 2015-07-08
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: PRIMARY RESIDENTIAL MORTGAGE (GA)

After a deal for a loan fell through for finance on a house the finance person XXXX XXXX XXXX called the VA and misrepresented herself to obtain information on my previous history with the VA. She then posted an email online claiming that I lied, defrauded the government, that i somehow convinced a person at the VA to go into the system and change information for me. I started working with XXXX XXXX back in XXXX 2015. She in later passed my financial package on to another person in her company who later, around XXXX XXXX, 2015, that a financial deal could not be reached. Later XXXX XXXX called the VA representing herself as if she was still involved with me on obtaining financing for housing.
Consumer complaint received 2016-05-14
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Ok, first problem is that I have {$15.00} in rewards that I am not being allowed to redeem because I did not meet the {$25.00} minimum requirement before they closed this account. Next, the 0 % interest agreement was for almost 2 years, including more on the balance transfers and I am still getting charged interest. This XX/XX/XXXX month, I was charged almost {$60.00} in interest that should not be there.
Consumer complaint received 2016-11-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Unprecedented case. After 30 years working with Merchant Services, Bank of America, XXXX XXXX, the XXXX XXXX VISA/MC bankcard machine we used during the ... craft show, did not capture XXXX of a XXXX day craft show resulting in lost revenue ( cyberspace ) of approximately {$9700.00}. Our XX/XX/XXXX show ran XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX Tuesday through Saturday. On Wednesday, our credit card machine ( always set to work offline due to poor phone lines at XXXX ) continued to accept customer bankcards from XXXX until XXXX and " batched out '' properly. However, the batch report seemed rather odd indicating a bankcard entered at XXXX and the last XXXX batched out at closing. We immediately notified XXXX XXXX Merchant Services through B of A XXXX. It has been 14 days now and our {$9700.00} remains 'lost ' in cyberspace. Merchant research department, technical department, B of A president in XXXX, XXXX XXXX top leader, XXXX XXXX XXXX office, XXXX and more reps are all unable to locate our funds. They do not know what to do. We are now asking for our {$9700.00} to be put back into our account so that we may move forward to pay our contracted vendors. When the bank asked for more information, we provided XXXX signed receipts with individual charges totaling {$9700.00} including a few cards that may have been declined. We were smart enough to capture phone numbers from XXXX customers per receipt ... but we do not feel it is our job to have to invoice each customer as the bankcards were never declined ... they were simply 'no where to be found '. Bank of America should refund our lost/stolen money and take care of collecting from the customers themselves. It has been 14 days now and the lost authorization receipts have a shelf life of no more than 30 days. Where is our money? Why is B of A shrugging their shoulders and not helping us? We feel, as small business owners we are being treated unfairly when compared to the bigger guys. We are the XXXX ' trying hard to sling our voices towards XXXX ... .Can anyone help us?????
Consumer complaint received 2015-12-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My wallet and checking information was stolen in a home burglary. XXXX XXXX agreed to remove those late marks from my credit report due to the fact I called them and spoke with them about having to set up new accounts. The late payments are still on my report. I have never paid my bill late. The balance was also less than XXXX at the time.
Consumer complaint received 2016-07-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

Every attempt has been made to have XXXX accounts removed from credit files. I have been informed that creditors has no say so in where accounts are reported. In the remarks block TRANSUNION continues to comment about bankruptcy, stating " Bankruptcy dismissed '' I met with my Bankruptcy Attorney and informed him that filing for Chapter XXXX Bankruptcy would not be in my best interest. I voluntarily requested Chapter XXXX Bankruptcy be dismissed. The Bankruptcy Courts of West Virginia honored my request and dismissed this Chapter XXXX Bankruptcy prior to any conclusions. There were no lists of creditors, no amounts reported, or frequency of income provided. The Bankruptcy Courts labeled this file as void ( without any contents, empty ) .This Dismissed Chapter XXXX Bankruptcy has been remove from TRANSUNION credit files, but continues to comment on bankruptcy on XXXX accounts. Data that has been reported by TRANSUNION does not warrant accounts being reported as adverse accounts. The other credit reporting agencies shows XXXX as accounts in good standings.
Consumer complaint received 2015-07-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (OR)

Loan modification that has been a nightmare with PHH Mortgage Service Center. They have made me jump through so many hoops and I finally recieved my trial modification and passes the XXXX months test. They issued an incorrect packet and while following their directions to correct different requirements they closed my file and have stated I need to start all over. They misinformed me on the process and information that was needed to correct the packet. When all their many different and changing requirements were met, they threw my packet out. They are not acting ethically at all.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

I am a XXXX graduate from XXXX XXXX, where I obtained a XXXX. XXXX/Navient has made it nearly impossible to pay a more affordable monthly payment. I became divorced in XXXX, which resulted in my income cut in half. I had to file bankruptcy in XXXX, and i was unable to afford my monthly payment at the time. I also lost my job in XXXX, and they refused to offer me any grace while I tried to find a job. I was unable to pay, and my co-signer who is my mother is XXXX. They attacked both of our credits and harrassed us up to 10 times a day. At one point they stated that by law I had to enroll my account in auto draft, when they took several payments out of my account without my permission over a course of 2 weeks, sending my account negative hundreds of dollars. They made me complete forms in order to receive my money back and it took several weeks. I am a single mother of XXXX children, which created for an unlivable situation. They also have made it impossible to consolidate to a lower rate, since my accout was delinquent in the past. Although, I realize I am responsible to pay back my loans and I am willing to do so, I am unable to afford the monthly payment at the rate they insist can not be changed according to my salary. Whenever I call them, they tell me something different everytime. They are never ever consistent with any of their answers. They are a horrible company that was literally created to make people 's lives a living nightmare. Please help us!
Consumer complaint received 2016-04-04
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Select Management Resources, LLC (OH)

I got a title loan with loanmax in XXXX Ohio on my Scion tC, they called and told my husbands boss that our car was going to be repoed when I was unable to make the payment, they did n't verify who they were speaking to before telling our personal information.
Consumer complaint received 2015-08-31
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

this is a continuation of complaint number XXXX after 3 attempts to get Bank of America to refund the XXXX cited in the previous complaints, the money was returned to me via a credit memo : XXXX/XXXX/2015 XXXX/XXXX/2015 Credit MemoXXXX for check number XXXX. 
XXXX XXXX $ XXXXThis is the money that Bank of America claimed they had not received on three occasions. The XXXX was instrumental in obtaining the refund and I have nothing but high praise for them. Regards Bank of America, their adamant denial of not having received the money was simply not true. I sent copies of the back and front of the check and they STILL maintained that they had not received the funds. I still feel that Bank of America collected on an account already paid in full and their denial of receiving and entering the payment is a violation of good business practice and the fair credit act.
Consumer complaint received 2016-05-27
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Oxford Law, LLC (CA)

Oxford Law Group LLC has been harrassing me and my family. I was contacted by Oxford Law Group by a man who identified himself as an officer, even gave a fake badge number. I was called a looser on the phone. They told me that if i did n't pay my debt on the phone immediatley that a warrant would be issued for my arrest. Prior to yesterday, i have recieved no contact from this agencey. They aslo called my dad and my sister, identifying themselves as police officers. They told my sister that if she did n't give them my address and phone number she would be charged with a crime. They also pressured my father to pay my debt over the phone to " keep me out of jail ''
Consumer complaint received 2017-01-06
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I have for the last XXXXXXXX years been billed for credit monitoring thru transunion and XXXX. The amount billed to me monthly is XXXX. The score reported thru transunion and XXXX has never matched the score reported to financial institutions when I applied for a loan and they pull their own report. This makes absolutely no sense. If I am told I have XXXX credit score and everyone publically states on websites and commercials " know your score '' then why is the score they tell me I have under the repirt they give me any different from the report these XXXX credit services give to lenders? 

Exactly how many credit scores does a person have? 

This is rediculous and not explained to me by the reporting agency or lenders at all. 

What was the point of paying for this if the information isnt the same? 

XXXX score should mean exactly that. 

And these companies control the info as to who gets a loan and at what rate because of the scores they generate. Apparantly different depending on who is asking for it ... its utterly confusing and misleading and rediculous. XXXX credit score should mean XXXX credit score period. 

I cancelled my transunion subscription tonight only to be told by the transunion rep that it wont be cancelled until another 10 days from now??? And it took me 10 mins of saying no to various " can we keep you for this reduced price or other service '' questions not to mention talking down to me that I will lose a life lock monitoring service if I leave them .... ummm ok done means done and cancel means now not 10 days later. 

Paid for nothing in my opinion. Complete waste of time and money. 

And the reporting of different scores depending on if you are an individual vs a lender is completely misleading, confusing and upsetting! XXXX score should mean exactly that. This whole system needs a review and makeover!
Consumer complaint received 2016-12-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia (NC)

CREDIT CONTROL MADE ME APAY AN INCORRECT AMOUNT THAT WAS OWED AND PUT IT ON MY CREDIT ALTHOUGH I PAID THIS OFF. I WAS BEING TOLD NUMEROUS OF TIMES THAT THIS XXXX WAS MY BALANCE OWED. I REPEATEDLY TOLD THEM THAT THIS WAS NOT WHAT I WAS OWED. TEY INSISTED. EVERYTIME THEY CALLED I DIDNT HAVE THE BILL BECAUSE I WAS AT WORK AND DIDNT HAVE TIME TO LOOK FOR IT BUT NOW ITS BEEN FOUDN AND AS YOU CAN SEE I WAS FORCED TO PAY AN INCORRECT AMOUNT AND THEY STILL PUT IN ON MY CREDIT AND MADE ME PAY THE INCORRECT AMOUNT IN FULL. I WANT MY MONEY BACK OWED AND THIS " COLLECTION '' TO BE REMOVED FROM MY CREDIT REPORTS ASAP OR I WILL TAKE FURTHER ACTIONS AND REPORT THEM TO THE XXXX.
Consumer complaint received 2017-02-15
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMERINATIONAL COMMUNITY SERVICES, INC. (IL)

I am unable to reach anyone at the mortgage company for a month all I wanted to do was add my homeowners insurance to my Escrow account. Even my insurance company has stayed on hold over two hours and been unsuccessful in reaching anyone.