davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I am a XXXX XXXX and I believe I have been treated unfairly by Bank of America. I reported my debit card lost to Bank of America on XX/XX/XXXX. After reporting my card missing I noticed withdrawals on my account from an ATM that I do not and have ever frequented. Approximately {$360.00} ( six ( 6 ) {$60.00} withdrawals ) was withdrawn from my account. In addition, there were fraudulent check deposits made on my account. I again contacted Bank of America and advised them of this activity ( claim # XXXX, XXXX, XXXX ). Bank of America issued me a temporary credit for the cash withdrawals and a credit for the fraudulent checks. Bank of America closed both my checking and savings account following my reports. At the time of the closure, my checking account was overdrawn ( because of the fraud ), but there was {$260.00} in my savings account. On XX/XX/XXXX,  I filed a police report regarding the fraud and the theft. I did not know to do this before this time, as Bank of America never asked about a report or suggested the filing of a report. I did so after a friend suggested that I do so and indicated that maybe the camera from the ATM could be reviewed to determine who stole and used my debit card. On XX/XX/XXXX, I contacted Bank of America regarding the status of my complaint, because the account closure made it impossible for me to access the funds in my savings account. As a XXXX XXXX I needed access to these funds. I was advised by Bank of America that my claim had been denied because I could not explain how someone would have obtained my Personal Identification Number ( PIN ) to have been able to access my account. That was the full extent of the explanation I was given. I was advised that the temporary credit would be reversed. I can not explain how someone obtained my PIN and was able to access my account, but they did. As result of this fraud I have had {$360.00} stolen from me and I have been charged numerous fees by the bank, bringing my total loss to {$820.00} including the funds Bank of America took from from my savings account. This loss resulted in me being evicted from my apartment as I was unable to pay the rent.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Professional Finance Company, Inc. (TX)

I have reached out to the following account below and talked to them about the issue with my account as reported by the PROFESSIONAL FINANCE C. They have advised me that they will remove this on my credit report and will correct the credit report accordingly and accurately, however, as I reviewed my recent report, the late status are still reporting. I am not sure how the PROFESSIONAL FINANCE C came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report wherein this account has been paid already. I have included in this complaint FTC report with the report number XXXX for your reference.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently I reviewed a copy of my credit report and noticed several inaccuracies on my account. 
This is hurting my ability to obtain credit. It is my understanding that you will investigate the item listed for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-28
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (NC)

In XX/XX/XXXX-XX/XX/XXXX, I 'd attempted to make payment arrangements with a representative of the company to begin to pay my debt. The first agreement was {$50.00} for two years until the year XX/XX/XXXX. I was unemployed and single mother. It was one month that I 'd asked the representative for lower payment ( {$25.00} ) just until I could get on back on my feet. The representative agree, but the company had still taken the original amount. Since it was an unauthorized payment amount taken, I 'd asked the representative for paper statements because I did n't want them no later to withdraw payments from my bank account. The representative refused and told me that they did n't have mailed paper statement it was only bank account withdrawal and if I 'd refused it would be a considered a breach of contract and my credit would be affect. I 'd still refused to approve him to continue to withdraw the payment, because they 'd breached contracted by withdrawing the more than I 'd authorized during this time. He 'd then stated that my account would still be considered valid and it would affect my credit. Since then, I 've tried to apply for credit and other loans to have better myself, I 've been disapproved every time and once I 've reached out to verify the account information as far as the balance, I 've not received any information. The account was originally owned by another creditor, in which they 'd bought the account, and I do n't agree with the amount and want to know how did they come with it. I 'd borrowed {$10000.00} from XXXX XXXX while I was a student at XXXX XXXX XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX. The company is stating that I owe over {$24000.00}! I do n't think I 've accumulated that much interest. They are negatively reporting information to the three credit bureaus or missing information. Also, since this company ( XXXX XXXX XXXX ) had bought an original creditor ( XXXX XXXX ) 's account that was going through a federal investigation, I 'd received a settlement judgement that they did n't follow protocol with reporting information for servicemembers of Armed Forces. There 's also multiple accounts, but I 'm unsure which is accurate and why they 're not reporting any information and just keep reporting without sending me information to handle the matter.
Consumer complaint received 2016-12-07
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (CA)

I received my Macy 's XXXX credit card statement which only showed the XXXX items I purchased for {$46.00}. I did not pay the credit card for {$46.00} which was due on XX/XX/2016 because I know I will be returning the XXXX items. I returned the XXXX items on XX/XX/2016 which was several days before the due date. 

I received my XXXX credit card statement which reflected a late fee of {$27.00} assessed for the XXXX items I returned before the due date of the credit card statement. I called Macy 's to have them reversed the {$27.00} because the XXXX items were returned several days before the due date. They keep on telling me that it 's a valid charge since returns are not considered as payment. Why would I pay for something that I know I will be returning? It was promptly returned. In my opinion, this is unfair for the consumers. Macy 's is enriching its company from late payments on return items. How many consumers have to pay {$27.00} from this unfair practice?
Consumer complaint received 2017-11-29
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP (OH)

I lost my job in XX/XX/XXXX, no income until XX/XX/XXXX. Tried to negotiate with lender for a hardship. We have 5products from US Bank. I 've been tossed around the cust reps and when trying to return calls, was having 20 to 25 minute wait times. We get 10 calls a day. I gave up trying to get the help they told us.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 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 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax continues to report an unknown creditor that should not be on the credit report. There is no contract with this creditor ands its reporting late payments for a creditor named XXXX XXXX XXXX. There has never been authorization for an account to be opened with this creditor or for private source data information to be shared with this third party
Consumer complaint received 2015-12-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

My identity and a mortgage scam have caused my house to be to foreclosed and possible eviction looms over me. From XXXX till XXXX XXXX I have been a victim of a predatory loan and {$52000.00} dollars to be paid to my bank HSBC and XXXX was stolen in a mortgage scam by people who said they were attorneys for the XXXX program. My original loan in XXXX I put {$6000.00} in escrow for my septic title XXXX is gone the bank, the attorney for bank do not know where it is ... ..its just disappeared but no work ever done! At closing no inspection was done and house has serious issues. XXXX informed me my personal information has been compromised I am a XXXX year employee of XXXX. I have filed paperwork with the XXXX of both XXXX XXXX and XXXX, the XXXX police and federal trade commission and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have receipts from all XXXX deposits I made to XXXX Mergers for payments for my mortgage to XXXX. Also wire trannsfers to XXXX bank XXXX .my wife is also XXXX retired postal worker. If there is anything you need. Please feel free to contact me at XXXX name is XXXX XXXX XXXX Also they hacked into my email and I was forced to change my email but it is XXXXXXXXXXXX thank you sincerely for any help you can provide and from XXXX XXXX till XXXX XXXX I did try to get a loan modification and assistance from HSBC and XXXX to right the ship but my house was upside down ... ... I tried everything to keep my house but due to the the identity theft my life has been turned upside down ... .i need your help, guidance and assistance thank you
Consumer complaint received 2017-01-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (IL)

CFPB sues nation 's largest student loan company Navient for failing borrowers at every stage of repayment. 

I am one of the student loan that was affected by this Navient company. is there any forms that I have to fill out?
Consumer complaint received 2017-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: STERLING JEWELERS, INC. (AZ)

On XX/XX/XXXX I received a call from XXXX XXXX, XXXX a third party debt collector stating they had placed a lien on my vehicle. They told me I owed them {$1600.00}, but they would settle for {$740.00} and that I missed a court date in XX/XX/XXXX. I was never notified of a court date, I never received any information about a debt trying to be collected. I learned the debt was from XXXX XXXX. My bankruptcy that was discharged in XXXX XXXX, Jared was a listed creditor and was notified of the granting of discharge under section 727 of title 11 United States Code by email on XX/XX/XXXX at XXXX. During the purchase of my home in XXXX of XXXX, I had to get a judgment vacated from XXXX XXXX, the previous third party creditor hired by Jared to collect the debt. The court vacated judgment, as the debt was discharged in my bankruptcy in XXXX. The XXXX XXXX stated they placed a lien on my new vehicle purchased in XX/XX/XXXX. On XX/XX/XXXX I emailed a copy of my bankruptcy to the XXXX XXXX. Today XX/XX/XXXX I called to follow up. I was informed my account has been closed. They told me they closed my account and referred me over to criminal charges, because it did n't matter that my debt was discharged in bankruptcy, it was theft and I stole property. I called my loan company for my vehicle and I called the MVD, no lien has been listed. I 've checked with all courts, I ca n't find record of a previous court date, nor can I find any information about criminal charges. This debt is not owed, I 'm being threatened with my personal property and criminal charges.
Consumer complaint received 2016-09-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

www.consumerfinance.gov referrral XXXX dcase no XXXX XXXX XXXX, XXXX XXXX IA XXXX The terms of the RESPA are for an automatic termination of PMI once the loan amount owing the Mortgagor ( bank of America, has reached 78 % in XXXX dollars of the orginial purchase price of the home. I dispute BA determiniation to continue PMI payments ( billing of mortgagee ) .The basis for my diispute against BA terms is they are not folloiing good banking standards and procedures by violating RESPA terms that enact atutomatic PMI discontinutioaon with no appraisal needed when my loan reached 78 % remaining to be paid from the original purchase price. I request Consumer protection agency to review the necessity for BA to adhere to RESPA terms and issue me a refumd of overpaid PMI since loan reached 78 % loan to value of orignal pruchase price, no survey required. I further request that BA cease and deisist in its insistence on billing {$15.00} a month or any amount for PMI. I request assistance and i give authorithy to Consurmer financial proctection bureua ( CFPB ) tor recover overpaid PMI and refund to me. I look forward to the final determination from CFPB in this matter.
Consumer complaint received 2016-09-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (AZ)

To start out I have both private and federal student loans for going to XXXX in Arizona. When I first signed up they told me my credits were transferable, they would get me a job after I graduate and help as much as possible with financial aid which at the time sounded like a good thing. Half way through my XXXX program I went to my advisor and asked about going to XXXX they told me my credits actually did not transfer to Universities like they originally promised me. I was very frustrated so I decided to stop at my XXXX degree since I was only a semester away from it. Just for my XXXX degree I am XXXX in debt and that does n't include the money I paid out of pocket since I did n't qualify for some grants supposedly. Now I am going back to school and paying out of pocket since I am scared more student loans will harm me due to debt to income ratio. PLEASE HELP!!!
Consumer complaint received 2016-11-09
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TX)

Hello, I received private loans in total of about XXXX from XXXX. I pay my monthly bill, which ranges from XXXX dollars over the decade. Majority of my pay goes to interest, so if i pay XXXX, XXXX goes to interest and only XXXX goes to principal. 10 years later, i now owe XXXX. There is no end in sight. This does not seem right and they will not reduce my payments or interests to help me pay off my debt. Can you help me?
Consumer complaint received 2016-10-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I am struggling to get Bank of America to remove my private mortgage insurance. I have also had difficulty getting them to provide an explanation for why it is not being removed. I have called and talked to them about 5 times and was getting a run around. My mortgage has been below the XXXX % threshold for about 5 or 6 months now. My account is up to date, I have never been late on a payment. In fact I am slightly ahead and my paynents. I 've explained to them what I have read on the Consumer Financial Protection Bureau website and in the homeowner protection act of 1998 and explained how I interpreted it and have asked them to explain to me why I did not qualify to have it removed or to explain what it is about the law that I am misinterpreting and they have not been able to provide a satisfactory response to that but continue to charge me private mortgage insurance. XX/XX/XXXX I was finally told that it would be removed in XX/XX/XXXX. I have paid my for XX/XX/XXXX and when I go online I see you but I 'm still being charged for it in XX/XX/XXXX. I feel that I am being taken advantage of however I can see that I might be misinterpreting the rules so I was hoping to be able to have someone explain to me if what is happening is allowed or if I 'm being taken advantage of. I recently purchased a new home and my new lender told me that based on my situation they should have already removed the private mortgage insurance.
Consumer complaint received 2015-09-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WY)

My home foreclosed in XXXX of 2010 with BofA. BofA had my ex partner and I sign a {$7200.00} promissory note. There were mistakes in it found after the foreclosure. They asked us to sign another promissory note. We declined. BofA never made any attempt to collect the debt for 4 years. My ex partner filed bankruptcy and the debt was not listed even though he double checked with BofA to be sure. Last year, after four years of the debt not being pursued, BofA sold the debt to XXXX XXXX XXXX, a debt collector. They have been trying to collect the debt from me. I do n't believe it is a valid debt.
Consumer complaint received 2015-08-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Since I opened my account with Bank of America I 've noticed a pattern of allowing larger items to be processed prior to smaller items regardless of the order in which the items are presented. I 've had several overdraft fees refunded as a result of bank error primarily because of charges accrued after a deposit was made. I 've gone into the bank and tellers suggested that I set up balance alerts. My alerts were initially set for {$25.00}, if my account fell to {$25.00} I was supposed to get text and email. I would receive notice only after I 'd been charged overdraft fees. I went back to the branch and raised the alert balance to {$100.00} this was XXXX XXXX, and despite increasing the alert limit with the banker I still have continued to receive alerts once my balance has dropped below {$25.00} after my account has received overdraft fees. For example today XX/XX/XXXX I logged into my account and noticed I have been assessed XXXX overdraft fees yesterday but no notice still today. Additionally I made a deposit of XXXX dollars on XX/XX/XXXX. Despite making this deposit at XXXX on the XXXX, on the XXXX I was assessed XXXX more overdraft fees at {$35.00} each. This month I also have a charge for {$14.00} still pending and the charge was done XX/XX/XXXX that was put through today with an overdraft charge. In contrast a charge for XXXX was n't presented until the XXXX but it went through prior to the XXXX dollar charge.. Neither with appropriate alerts despite setting up alerts on several occasions. When I filed a complaint and complained previously they refunded only XXXX of overdraft charges today. I have been charged {$1700.00} in overdraft fees since XX/XX/XXXX, as a result of the same practices and {$240.00} is n't sufficient considering that this practice has been ongoing since I opened the account in XX/XX/XXXX.
Consumer complaint received 2017-01-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My wife died on XXXX/XXXX/XXXX. I filed a death certificate with the bank immediately thereafter. The bank has, recently, been calling me asking to speak to her. When I ask what it 's about they say " it 's confidential '' and refuse to give me even any general information, i.e. 'it 's a security fraud ', or, 'we 're checking on a check that 's been submitted ''. Now they have closed MY XXXX main accounts,XXXX & XXXX ( my SS check goes to this accoount ), for no legitimate reason, and removed OVER {$270000.00} on or around XXXX/XXXX/XXXX. They refuse to reopen my accounts and have not returned my money. I was told on XXXX/XXXX/XXXX that XXXX check was " overnighted '' to me. As of today I have n't received anything and I have spent almost XXXX hours and XXXX phone calls to no avail. This is outrageous! My credit is being affected, not to mention all the checks I sent to pay bills which are being NSF 'd.
Consumer complaint received 2017-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (ID)

I am default on my Fed Student Loans. I was contacted by Navient ( XXXX ) to work with me to rehabilitate my loans in XX/XX/XXXX. After going through a 1 yr program paying {$50.00} a month I received a new bill from Navient increasing my payments by hundreds of dollars. 

I contacted Navient to see what could be done to reduce the payment back down and automated phone system would just reroute my account to speak with an associate that refused to discuss my Fed Student Loans until I paid off a private debt they had on me. 

I was not aware and could find no documentation of a seperate debt and informed the associate I was calling to dicuss my federal student loans. Which he refused to discuss. This took place late XX/XX/XXXX at which point i once again had no choice but to let my loans go into default because Navient refused to discuss my repayment plans. 

I am once again trying to figure out how to get my student loans under control from XXXX which has since closed due to the remove of Fed funding by the Federal Department of Education. I have now learned that the Fed is sueing Navient for the exact issues that led to my loans going into default again as well.