davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-27
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Collections Acquisition Company, Inc. (CA)

Payalience has continued to try to charge me for a debt that was already taken care of in my XXXX report its closed and a different Collection agency is listed so makes me believe that XXXX disclose my information to XXXX different collection agency 's which its illegal the XXXX XXXX is XXXX and second payliance
Consumer complaint received 2016-08-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My house is being auctioned on XX/XX/XXXX. I listed my house for sale. My house is in default and I 'm trying to get it sold before foreclosure. We got an offer on my house. My package was originally sent to the servicer on XX/XX/XXXX - it was a full package. We were told it had to be initiated in XXXX. It then was initiated on XX/XX/XXXX. Bank of America has taken a full month to request documents. It is XX/XX/XXXX and up until last week they were still collecting documents. They had taken so long to request things, that they still have not done a full review of my property. My listing agent just got a call today from someone to see the property. It 's unbelievable to me that my lender needs a full two months to review short sale documents and NOT cancel an auction. I 'm requesting a postponement so my file can be appropriately reviewed.
Consumer complaint received 2015-09-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CO)

I completed grad school in XX/XX/XXXX. A previous student loan was in deferrment while I was in school and I requested the deferrment continue for the first six months after school. I recently started getting collection calls from Navient for my approximately {$10000.00} loan. They say I was supposed to start paying back the loan in XXXX when I finished school. They informed me that the loan was due immediately because I had dropped out of school. This is not true, I graduated from school. 

In the fall of XX/XX/XXXX, I consolidated all of my Federal student loans and lowered the interest rate to 3.25 %. My student loan through Navient is 6.25 % interest with a variable rate and the payments are very high for such a small loan. I requested the opportunity refinance at a lower fixed rate and they have told me that they do not refinance and I am stuck with the loan as-is. I need help lowering my interest rate and getting it fixed.
Consumer complaint received 2015-03-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America continues to charge me late fees within the 30 day window. I pay my mortgage within the 30 day window, i.e. my payment is due XXXX XXXX and I pay before XXXX XXXX and they charge me a {$90.00} late fee
Consumer complaint received 2022-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

A multitude of " Inquiries '' are listed on my consumer report that are allegedly the results of consumer credit transactions. 

I did not consent, authorize, and/ or grant permission to XXXX XXXX TRANSUNION XXXX XXXX XXXX or any other Credit Reporting Agency to furnish these inquiries on my consumer report, which constitutes Identity Theft. 

In additoin : Pursuant to 15 USC 1681a ( e ) A consumer report, or portion thereof shall not include specific factual information obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Consumer complaint received 2015-03-19
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My Complaint is in regards to my credit card with Bank of America there was a payment made in XXXX made through and Insurance company that I purchased through Bank of America in the event I had any life changes. The problem is I was just made aware that Bank of America no longer conducts business with them. As result I 'm out of the money that I paid to the insurance company. Well XXXX there was a refund sent to Bank of America on my behalf. Instead of Bank of America sending me the check they applied as a a credit which brought the balance down. No problem right. None for me as well however not only did they bring the balance down they said that is not a payment. Its a credit, I said this is something that I paid monthly and its not like I went to the store and purchased something and than returned it in that case that would be a credit. This service was to be provided for customers in the event they were unable to pay there bill. The issue is Bank of America accepted the payment and than charged me late fees .Closed the account and reported me late to the credit bureaus. I 've made a numerous of attempts to reach out to them and have yet to have this matter resolved recently my wife reached out to your office and a complaint was submitted and we received correspondence from a woman by the name of XXXX XXXX who works with XXXX department of customer care for complaints. Let me start off by saying she was absolutely rude and combative and I hope I never need to deal with her again. She sends us an email stating she wants to resolve this issue please give her a call and than we call her and she is very combative. My wife resubmits a complaint addressing the level of dissatisfaction we received only for the complaint to go back to the same person whom was the one that was being combative. The problem is Bank of America is receiving my money that I work hard for applying to the account and saying there is n't a payment that was n't made because this came from the insurance company. The insurance was again in the event I was unable to pay my bill they would pay it. Although Bank of America no longer does business with this company. The insurance company refunded the consumers some of the money and it was either sent as a check. Bank of America takes my money and than says there is not payment it is a credit. Which cant be a credit because that was a payment made for a service that was never rendered. What Bank of America is doing is stealing. They are charge me a late fee for something that was n't late. Its no different if I have a friend pay my monthly bill. You cant say your applying that payment as credit because someone else paid and that charge me late payments. That is completely unethical.
Consumer complaint received 2022-02-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I was taking advantage while several laws were being broken under the FCRA by your company. This has cause my financial injury, Defamation of character, i couldnt get a job, apply for credit. You have hurt my ability to obtain credit. Below are the list of inquiries i request to be removed. 

XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX  ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX Bank ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Financial )
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (TX)

My credit card account was frozen telling that they need to verify my identity. I had been using this card since lsat 6 months. I called them up and answered all the questions. Now they are saying they need to talk to me on a second phone which I dont have. Another rep insisted they talk to my employer. I requested many times to cancel this card. But they will not. 

Card details Citi Bank.
Consumer complaint received 2022-02-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I was taking advantage while several laws were being broken under the FCRA by your company. This has cause my financial injury, Defamation of character, i couldnt get a job, apply for credit. You have hurt my ability to obtain credit. Below are the list of inquiries i request to be removed. 

XXXX XXXX SERVICES XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXXank ) XXXX XXXX XXXX & amp ; XXXX Bank XXXX XXXX XXXX ( Bank ) CXXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX CAPITAL XXXX AUTO FINANCE ( Finance ) XX/XX/2021 XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX Bank ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Financial )
Consumer complaint received 2016-10-07
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (NJ)

Dear Sir or Madam, Please see the following complaint below. This is regarding Citibank 's unauthorized add-on charges towards my credit card since XXXX XXXX to present. 

On Monday, XXXX/XXXX/XXXX, I contacted Citibank to dispute an " add-on charge '' on my credit card. I was told by a Citibank representative that this was not a mandatory charge, that it was in fact an " optional fee '' for insurance by a company called Payment Safeguard. I told the representative I had no knowledge of this nor did I ever approve this service. I asked to see proof of enrollment and was told by Citibank that they would send proof to me within 30 days. I never received any type of proof of enrollment even after 30 days. I then requested Citibank to send my statements from XXXX to XXXX ( present ) to see how much I was being charged since XXXX which totals {$16000.00}. On XXXX/XXXX/XXXX, I received a letter from Citibank Customer Service stating that I had cancelled this Payment Safeguard service with the following statement : " Based on the length of time that your account was covered by the program benefits, your account protection fee refund amount will be {$530.00}. We 've credited your account for this amount, as well as any related interest charges. The credit will appear on your statement within two billing periods. If you have any questions about Payment Safeguard, please contact XXXX. '' This amount of {$530.00} is unacceptable, I never agreed to it and I am entitled to the full amount of {$16000.00} plus interest since XXXX. Since XXXX/XXXX/XXXX, on several different occasions, I spoke with various Supervisors from both Citibank and Payment Safeguard. On XXXX/XXXX/XXXX, I spoke with XXXX, a Supervisor from Citibank, I was again transferred to the Payment Safeguard company in which I spoke with a Payment Safeguard Supervisor named XXXX. This is where I hit a road block. XXXX informed me that all that Payment Safeguard can do is submit my claim to their Account Maintenance Department which has no phone number to speak with an actual person, all they have is an address with a post office box ( see address below ). This was my last contact with Citibank. 
XXXX XXXX XXXX XXXX XXXX XXXX, South Dakota XXXX Upon further research, I discovered that on th CFPB website, Citibank had been issued a XXXX page consent order by the CFPB File NO. XXXX which I 've read thoroughly. Also, on CFPB website, please read an article by XXXX XXXX - XXXX/XXXX/XXXX titled " Citibank to Refund {$700.00} XXXX to Credit Card Customers to Unfair and Deceptive Practices '' which has affected XXXX XXXX cardholders including myself. 

On a personal note, being a single homeowner, the amount of these add-on charges could have been put towards my mortgage for the last 13 years. 

I would like to thank you for your attention and time towards this matter and look forward to having it rectified as soon as possible.
Consumer complaint received 2015-11-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have asked XXXX to investigate late payments showing in my report, and the only thing that I get as a response is that they can not honor my dispute for lack of information when I have send out XXXX dipute letter specifically requesting to investigate the accounts.
Consumer complaint received 2015-08-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

In 2012 I filed for chapter XXXX bankrupcy. At the time of the bankrupcy I did not include my mortgage as I intended to continue making payments and reside in the property. My attorney, XXXX XXXX, at the time of bankrupcy filed paperwork with my home loan provider Bank of America to reaffirm the mortgage.XXXX Years later I decided to refinance my residence to get a lower interest rate and reduce my monthly payments as part of HARP. Bank of America is now telling me my mortgage was never reaffirmed and in order to do so will have to reopen the case. I got back in touch with my attorney who indicated reopening the case would cost a minimum of XXXX dollars out of my pocket and is difficult to do if BOA does not send her the reaffirmation paperwork, which they will not do until the case has been reopened. It was stated in emails from my attorney between BOA, that it was common practice that BOA does not reaffirm during the bankrupcy process. 
For XXXX years because of this, my mortgage has not been listed anywhere on my credit report.
Consumer complaint received 2016-08-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CT)

XX/XX/2015 I was offered a sign up bonus to open a Citigold checking account. Since I did not have my state issued ID at the time I was given instructions on how to do so online. After opening the account I reached out to confirm the offer was attached to my account. I was told that it was. Once I met the requirements for the bonus I reached out again to confirm I had done what was needed and was told that I had and that the bonus should post to my XXXX XXXX account no later than XX/XX/XXXX. Now I am told that I was not eligible for the offer but I have all the messages to prove that I was told I was. I was even told to go in branch to talk to a representative and when I did I was told that they did not have the power to give me the bonus but to reach out to customer service again because it should be honored. I did that and after their investigation where they can see all my previous communication where I was told I had the offer on my account and that I completed the requirements I am still being told that they still will not honor this offer.
Consumer complaint received 2016-05-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (GA)

I was forclosed on by suntrust on XXXX 2013. Suntrust was suied by a class action suit and lost for illrgally foclosing home in the 2013 time period. I was part of the case and awarded money. I requested Suntrust Morgage escalation Resolution team to remove this from my credit since I was part of the class action suit and awarded money for there actions. They refused and stated my forclosure was valid and correctly reported to the credit bueru. I disagree since they were suied for morgages they forclose during 2013. It was for XXXX they had to award to customers. I would like this removed from my credit ( XXXX, XXXX and XXXX. All my attempts to keep the home was not accepted by suntrust. ( Loan modifacation, short sale ) They were goin to forclose on house nomatter what I tried to do. If they had forclose correctly they woulfg have not lost the class action suit for XXXX which was awarded to thousands of customers. I recriced a check also I was forclosed on XXXX XXXX.
Consumer complaint received 2017-05-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pinnacle Credit Services, LLC (CA)

Regarding Pinnacle collection services. They state that I owe  XXXX  {$40.00} fr om 2013. I  have never had an account with  XXXX . The amount is petty. I have more than enough money to pay the {$40.00} but why would I pay someo ne one cent  of my money if I do n't owe it?     What are the details of the alleged debt? Cell phone? Home phone? If so, why such a small dollar amount???? Does  XXXX  have any other records showing a history of payments or me doing business with them? I do n't think so because I have never had this account in question.     It 's not fair that they can add this to my credit file without substantiating the account.     Please look into this.
Consumer complaint received 2015-08-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I want to file a complaint against Select Portfolio Servicing Inc . The company 's mailing address is Attn : Loan Resolution Department, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. I applied for a mortgage loan modification in XXXX 2014. I have called this company each month since XXXX 2014. I am repeatedly asked for verification of salary, income tax return forms and bank statements. I have received XXXX letters from this company never specifically stating the status of my modification application. The letters received from the organization only state that correspondence was received from me. This company has numerous complaints against it on several consumer complaint web sites. My mortgage was sold to Select Portfolio Servicing Inc. by the orginal lender which was XXXX Mortgage company. Each telephone conversation I 've had with this organization resulted in vague and very cryptic conversations with representatives who never provide straight answers to straight questions. As mentioned before, I have never received correspondence indicating any status on my mortgage loan modification or what stage from beginning to end is my application in. This company provides terrible customer service. The representatives give the same information over and over again. I 've written a letter to the Board and CEO of the company with no direct response. Just correspondence vaguely stating that correspondence was received by the company from me. This entire process has been unprofessional. This company will not record " specifics '' in their correspondence to me pertaining to the modification. My goal is to successfully complete the mortgage loan modification process. I can not believe how this company does business or why it has been allowed to get away with doing business this way for so long. I am requesting assistance from your agency in this process.
Consumer complaint received 2016-01-19
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have a Bank of America money network account. I used my card at the ATM to deposit {$360.00} and it did not deposit the money. I called the Bank and told them the problem. They told me to fax over a dispute paper. I faxed it over and they told me that it would take up to ten business days. I sent it in on XX/XX/XXXX and it is now XX/XX/XXXX. I still have not received my money and now they are telling me to resubmit the dispute form and wait another possible ten days.
Consumer complaint received 2022-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have submitted several disputes explain this collection account is not mine! I have attached the FTC report. Please have Transunion and XXXX remove this off my credit report asap
Consumer complaint received 2016-08-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp (CA)

During XXXX of 2016, I borrowed money from a private institution called " Lending Club. '' I needed the funds to pay off high-interest credit cards and to help with relocation for work. However, I am paying over 30 % in interest on a loan amount of a little over {$16000.00}. 

The interest rate seems too high and disproportionate. I have been making payments on time but it is becoming financially difficult to keep making these high-interest payments.
Consumer complaint received 2017-02-28
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (MA)

I 'm XXXX years old and I 'm scheduled to be foreclosed on XXXX XXXX. CIT Bank ( Financial Freedom ) has a reverse mortgage on my property. When I made this arrangement, it was with the intention that I would be able remain at my house for the rest of my life. I hve reached out ( or family has done so ) to come to a resolution whereby I can begin paying what CIT claims I owe in property taxes and thus avoid an unnecessary foreclosure. I have only Social Security, so losing my house would quite a challenge for me. I feel that I have not been offered or allowed to make an offer to help me remain in my house.
Consumer complaint received 2015-05-04
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bayview Investment Group LLC (LA)

I received a strange voice mail from a gentleman ( XXXX XXXX ) claiming he had " sealed '' documents to deliver to me and to make myself and a supervisor available between the hours of XXXX. 

I called the number back given in the voice mail ( XXXX ) and I was told no one worked at XXXX XXXX XXXX by that name. 

The rep on the phone they proceeded to ask me to confirm the last XXXX digits of my social. They already had it, but I refused to confirm or deny. Then they proceeded to tell me that I owed {$690.00} for a fictitious payday loan from XX/XX/XXXX. I stated I did not owe the money, but offered to meet at the police station to receive these " sealed '' documents that was stated in the voicemail. 

MIND YOU, THROUGHOUT ALL OF THIS, SINCE IT WAS OBVIOUS THEY WERE ATTEMPTING TO COLLECT A DEBT, WHETHER REAL OR FAKE, I WAS NEVER READ THE MINI-MIRANDA. I WAS NEVER ADVISED OF MY RIGHTS UNDER THE FDCPA. 

FUTHERMORE, I 'VE FOUND OUT THAT XXXX XXXX XXXX OR BAYVIEW INVESTMENTS IN NOT LICENSED TO DO BUSINESS IN THE STATE OF LOUISIANA, WHICH IS WHERE I RESIDE. 

Because I called numerous times trying to ascertain how they got my information, as a result, these people decided to harass me and submit a complaint to my employer that I was preventing them from doing business. 

I 'd like for some type of punishment to be doled out, because since I refused to fall for their scam, their threatening my livelihood by trying to embarrass me into paying. 

I 've already submitted a formal complaint and counterclaim with my corporate office detailing this but consumers should not have to be threatened AT THEIR WORK AND HAVE FALSE COMPLAINTS SUBMITTED, because they refused to fall for scams. 

I 'll attach a copy of the voice mail. Please note that as of today, XX/XX/XXXX I have yet to receive these sealed documents from any type of courier.