davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (AL)

XXXX is claiming that I owe a debt from XXXX. 
The debt was actually created in XXXX, if there was even a debt? 
I divorced the man responsible for the 15 year old alleged debt. I dont understand how they suddenly act like its a debt from XXXX randomly, and have put it on my credit report. This is incorrect information and need to be removed from my credit immediately. 
I should be protected by the fair credit act.
Consumer complaint received 2016-09-27
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

This how my ordeal with Bank of America Started : Bank of America issued me a credit card that comes with a XXXX % cash back reward on all purchases. I accepted the offer because of the terms and conditions on the card. The card has 0 % apr for purchases and balance transfer still 2017. I felt the card would come handy for the project I need it for. 
After having shopped with the card I saw the imaginary reward appear on my banking app issued by bank of america. 

But the irony to this shady and unethical practice is, when I clicked to apply the rewards to my account, a note popped up stating " this offer can not be redeemed, call customer service for assistance. 
I called customer service as noted and I was told by the service associate that my account has been closed that 's why I can not redeem the offer. 

Wait a minute. I said okay and I told the service representative since my account is closed, apply my rewards to card and still have the card remained closed. Mind you, the never notified me that my account has been closed despite making timely payments on my account. 

In order to be on the safe side, I closed my checking account with them because the derserve a penny from me after many years of rip off. 

I told them plainly, " no rewards no more payment '' not until this dispute is resolved. The next time will be to file class action suit against the financial institution for operating and running a ponzi scheme. 

And I believe some hard working american are falling prey to this financial predators. I will not stop until justice is done.
Consumer complaint received 2015-10-31
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Westlake Services, LLC (CA)

i got a auto tital loan to buy a new transmission for my truck. i paid WCC blindly on the for over 14 months ..thinking it was also going to help my credit as they told me it would..but i found out they only gave me {$300.00} credit toward the principle ... after over a year of paying {$200.00} per-month. i tried to get mediation with the consumer affairs office in XXXX XXXX with XXXX XXXX, at XXXX. Her e-mail is : XXXXXXXXXXXX. 
XXXX XXXX, Mediator Department of Consumer and Business Affairs ( XXXX ) XXXXXXXXXXXX had a conversation with the manager at WCC : XXXX XXXXWCC Servicing Supervisor, Wiltshire Consumer Credit Fax : XXXXXXXXEmail : XXXXXXXXXXXX said he would write a new contract and i suggested XXXX payments of XXXX each and im out of the contract.. he agreed and never sent the agreement as he said he would in XXXX hrs. 
today 's date is XXXX XXXX he has not sent any file or contact. i have emailed, called and called the XXXX women down town with Department of Consumer and Business Affairs ... no one has responded. for the last 2.5 weeks the collection natzies of WCC have been calling me XXXX times per day-harassing me to pay-being very rude to me-hanging up on me XXXX times-over talking to me ... telling m to pay and threatening me- the supervisor has not called, emailed or sent a new contract- i went to the web page and its down ... not working .... 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- issues -- -- -- -- -- -- -- -- -i feel stressedi cant sleepI 'm extremely frustratedi caught a guy looking at my truck in front of my house i think he was trying to repo my truckall my tools and my job needs my truck I 'm am a handyman .. 
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Consumer complaint received 2016-09-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pressler & Pressler, LLP (NJ)

This collection not coming from a credit card company but a collection agency which has sent collection letters for a debt that is not mine and has now taken it to court. 

It does not match with any credit card I have ever had now or in the past!
Consumer complaint received 2016-03-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Utah System of Higher Education (UT)

My student loan was moved from XXXX to your UHEAA company. It was placed in forbearance for some time, then was paid at XXXX $ / month since my marriage in XX/XX/XXXX. By your policy I was to receive bill notifications, but the last received was XXXX XXXX. The email on file was validated as correct. Notifications are not present in my email nor spam nor trash folders. Yesterday, our checking account was debited the remaining XXXX without notice, overdrawing our account just prior to our mortgage payment. Complaint to your customer representatives ( XXXX, and XXXX other ) was met with policy statement of 60 days to return erroneous withdrawals. My bank takes 10 to 45 days to process unauthorized transactions, and decline of payment takes 30 to 45 days. All effort to persuade your representatives that your offical error correction policy is utterly inadequate to this specific situation was unsuccessful. It was made clear, by your policy, that our ability to pay our mortgage and other bills, and our credit rating, are inconsequential to your company 's adherence to a policy of taking 2 months to correct an error. 
As this is utterly unacceptable by any standard, this situation is being forwarded to the Consumer Financial Protection Bureau. 

XXXX XXXX
Consumer complaint received 2016-02-03
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: GUIDANCE RESIDENTIAL, LLC (GA)

I reviewed and signed a final finance approval document on XXXX/XXXX/16. This is for a 30 year home loan with a 15 % down payment. The document includes the interest rate ( 4.625 % ) and points charge ( {$110.00} ). 
I was contacted by phone after they received the signed document and told that the points charge would be over {$2500.00}. I disputed this and was told that they 'd look into it. The next day I was told that the points charge I signed off on was incorrect. I was given an option to pay over {$1600.00} for points if I want to put 15 % down. My other option is to put down 20 % and pay {$590.00} as a points charge. They are willing to deduct {$590.00} if I choose either option. 
I was given an incorrect estimate from the beginning. These numbers are mainly what I used to decide to move forward with the deal. 
I understand that some closing costs can change before signing off, but I already signed a final approval document. I feel that I should pay based on the signed documentation.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (KS)

I was late on a payment in 2009, because the bill was sent to my XXXX address. I never missed a payment since that date. Navient avoided getting in touch with me and denied my request to have the old ( greater than 7 years ) blemish removed from my record. They were very hard to work with, changing the requirements to submit a request to review the situation twice during the process.
Consumer complaint received 2016-10-02
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

This issue occurred toward the end of my HARP loan process on XXXX XXXX, 2016. I got a call from the loan officer saying the underwriter noticed a lien on my existing mortgage. I had no idea what they were talking about. I was told to contact bank of America for details. I walked into the bank and no one was able to assist me. I came back another day and someone submitted an elevated request on my behalf regarding this mystery lien. A few days later I got a call from a BOA representative and she told me that I need to get a title search done. After I got that done I called back and was re-routed to someone else who stated that the account was from another company that went out of business, the account was closed and BOA bought all the accounts. I was told the previous company was supposed to release the lien but did not do it. I was told that the lien release will be faxed to my underwriter early morning the following week. When the week went by, I called back but was once again re-routed to another person. This went on for weeks at a time. I was given reference numbers each time but these numbers could not be traced back with history of my previous calls. Finally, in XXXX, after being referred several more times I called demanded to speak to a manager and was given the number to a high level manager named XXXX XXXX. He seemed surprised that I was able to get through to speak to him as he stated that calls are usually handled through the call center. I explained that I was promised a lien release but it did not come. XXXX XXXX promised he would get that lien release to me but it would take another 30 days. I got nothing. I tried to call XXXX XXXX again but he would not return my calls. I decided to contact the XXXX. BOA had a representative ( XXXX XXXX ) contact me saying he was working on a resolution. I gave him contact phone numbers of the people who promised to release the lien. He told me it would take 15 days and he would contact me at that time. 15 days later I get a call from XXXX XXXX saying he needed another 15 days. I asked him if he contacted the people that promised me the lien release but he said he wanted to do his own research. At the end of that 15 days I get a letter in the mail from XXXX XXXX that I own BOA {$51000.00}. They never intended to help me but only help themselves. How could no one contact me for all these years ( at least 8 years ) or that this lien was not on my credit report? I need my refinance to be completed. How could BOA lie to me about releasing this lien? Is that the way they do business?
Consumer complaint received 2015-06-03
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CNG FINANCIAL CORPORATION (VA)

I could not make a payment last Friday XXXX XXXX/XXXX/2015 XXXX, and I am now receiving threatening emails from attorneys. I have been threatened to pay immense amount of lawyer fees ; and will face jail time. Allied cash advanced is now harassing me with phone calls, as well as numbers that are n't identified.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (HI)

I have XXXX high interest, private student loans with Navent that have been in default for years due to my inability to repay back the loans. I was a student at XXXX XXXX XXXX from XXXX XXXX and graduated with a XXXX in XXXX XXXX. After graduation, I found it very hard to find a job in the field of study. No agency I have applied to accepted my degree from XXXX because XXXX education did not meet the educational requirements to obtain a job in the XXXX XXXX XXXX. I have notified Navent numerous of times and I even attempted to try and repay for 3 or 4 months in XXXX but it was too much of a hardship for me so I had to stop. I explained that I could n't continue and they kept harassing me at work, at home, etc demanding repayment. I have asked them repeatedly, how am I supposed to pay for a degree which is basically a 'blank piece of paper ', in my field, when I can not even obtain a job in that field? I felt that XXXX should repay back the loan. 

XXXX is filing bankruptcy and it was announced yesterday that, you, CFPB is suing Navent for illegal practices made it harder and more costly for some borrowers to repay their student loans. And now today, Navent ( their collection company ) decides to call me again, today demanding I repay the private student loans in full. Loans that totaled approximately {$12000.00} when I graduated in XXXX and is now at approximately {$25000.00}. I am currently on the income-based repayment plan for my federal loans that is at $ XXXX monthly payment because I can not afford to repay and yet knowing full well I ca n't repay, they are demanding I pay in full the Private loans? Why? Because CFPB is suing? I need help.
Consumer complaint received 2020-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: COMMERCE BANK (AR)

The last time that I had the credit card ( 4XXXX XXXX XXXX XXXX ) in my possession was after I made the monthly payment of {$160.00} on XX/XX/2020. My work associates and myself went to a lunch on XX/XX/2020 and I brought the credit card in my pant pocket in case it was my turn to buy lunch that particular day. When I returned home that day and couldn't find my card I contacted the issuing bank immediately with no resolution whatsoever.

Since that exact day I have called 11 times with average wait times totaling one hour and a half - three hours and forty minutes. Most of the time I get hung up on by a third world country citizen that speaks nearly no English. They have NEVER attempted to call me back or email me back in any way. 

Last week I received a letter stating that a payment from an unknown source was attempted and failed to pay nearly {$600.00} in unauthorized charges. The bank did nothing to prevent the continued illegal use of my card. Instead, they are charging me {$65.00} for every attempt that the thieves make to use the card and access its funds. Now the online account associated with this card has been hacked and they REFUSE to issue a replacement card or honor the VISA 0 % LIABILITY PROTECTION POLICY. 

They continue to refuse to help me to this day and let criminals rack up a near {$1000.00} in illegal charges on the card. I must now go beyond CFPB and file FEDERAL and STATE charges against COMMERCE BANK and hire an attorney to bring suit. 


*ISSUE A REPLACEMENT CARD AND INITIATE VISA 0 % FRAUD LIABILITY ON ALL PURCHASES SINCE XX/XX/2020 AND REMOVE THE DOZENS OF FEES THAT I AS A VICTIM HAVE BEEN CHARGED BY YOUR BANK AS YOU SAT ON YOUR XXXX AND LET CRIMINALS HAVE A XXXX HAYDAY WITH MY CREDIT!!!!!!!
Consumer complaint received 2021-04-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section XXXX XXXX a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2015-05-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Re : Loan # XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 
For over 3 years Wells Fargo and its employees have denied our request for Loan Modification for a Bait and Switch Loan Modification provided to us on or about XXXX 2009 by underwrite XXXX XXXX. 
See attached word Doc Complaint:
Consumer complaint received 2016-04-08
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (TX)

I received two letters from Chase : 1. After recent review of your accounts, we have decided to end our relationship with you. 2. We 're writing to let you know that we will be closing your credit card account on XXXX XXXX, 2016 because continuing the relationship creates possible reputational risk to our company. Upon calling the XXXX number listed, I was unable to find out the reason for the review or for deciding to close my accounts or credit card. No information could be given. I have no bounced checks, the is no inactivity, there is plenty of money in the accounts.
Consumer complaint received 2023-03-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (WI)

The situation is I been with this mortgage company Fay Servicing for years I filed bankruptcy in XXXX with my attorney but I didnt include my mortgage company in my XXXX XXXX I continue to pay during bankruptcy all the paperwork was given to XXXX on the discharge of bankruptcy then so my ex husband filed by himself in XXXX and it seems like their confusing his bankruptcy with mine because they wont disclose my loan account with me at all which is causing problems I cant even discuss my payments with cause problems with me being late and their charging me fees for stuff thats not my fault I had my bankruptcy attorney supply them letter of him not attorney and bankruptcy was discharged but they are still giving me problems I need help with this thanks.
Consumer complaint received 2022-02-08
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Complaint number : XXXX. 
I am reopening my last complaint ( above ) against BofA. I am not satisfied with BofA 's response. 

CFPB closed my complaint just on the basis of BofA 's first response! CFPB never bothered to confirm with me if BofA actually resolved my complaint or not!
Consumer complaint received 2016-02-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (NY)

Good Morning, This is regarding a problem with a paid off mortgage in XXXX XXXX with PHH Mortgage in XXXX. XXXX, NJ. The mortgage of a home in New Jersey was paid off back in XXXX XXXX and we are still trying to receive the money from a TAX OVERPAYMENT made BEFORE the mortgage was paid off. 

Now it 's XXXX XXXX, OVER THREE MONTHS since the mortgage was paid off and the tax payment made in our behalf to the town. After NUMEROUS CONTACTS over MANY MONTHS to PHH Mortgage Customer Service, PHH Tax Department, the township in various forms, we are still waiting for a tax refund which was requested in XXXX XXXX. 

Your efforts to help us secure money that was deducted from our accounts and paid by PHH Mortgage from our accounts would be helpful. Please help us RETRIEVE OUR MONEY back from PHH Mortgage. 

Thank you, XXXX XXXX
Consumer complaint received 2016-07-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I did a loan modification with Countrywide Home Loans in XX/XX/XXXX with a fixed interest rate of 6.50 percent. My loan transferred then to Bank of America and that 's when the problems started. I received a letter from Bank of America in XXXX XXXX stating that there was missing documentation from my loan modification agreement and the interest rate should have changed in XXXX/XXXX/XXXX from 6.50 percent to 9.875 percent. Well they changed my interest rate from 6.50 to 9.875 which made my monthly payment amount go up {$300.00} dollars a month. I can not afford this and I am going to lose my house if something is not changed.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NY)

According to Fair Credit Reporting Act, A consumer must provide WRITTEN CONSENT to any Credit Bureau for them to add any items to your credit report. I have not given any credit Bureau any consent to add any items to my credit report. This is called FRAUD and it is also ILLEGAL.
Consumer complaint received 2016-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am in the process of obtaining a mortgage. I applied with a mortgage company that after looking at my credit report indicated that they not process my application because I have XXXX accounts with disputes, and that they would not process the loan unless I remove the dispute. XXXX of the disputes is with collection accounts with XXXX. 
I had disputed the account because XXXX was never able to validate the account and they are claiming an amount for medical services received in NJ in 2012. I have not received medical services in NJ. Last time I received services was due to hospitalization in 2012. 

Reluctant to do and following the instructions of the mortgage company I requested ( see attached a removal of the dispute ). Transunion incorrectly classified the account as a new account placed for collection. My credit score declined overnight from XXXX to XXXX due to the wrong coding of the account. 
Although, I know I do n't owe the money I called XXXX to try to settle the account because I will not be able to obtain a loan with the decline in the credit score caused by Transunion. When I called XXXX today they indicated that they do n't have that account anymore and refused to provide me with an explanation of what happened. Nevertheless Transunion continues to report the account and now to make matters worse they reported this as new account placed for collection. 
In addition to that Transunion does not let me do a new dispute online to provide them with the information I am including here. 
I am requesting that Transunion take immediate action to remove the account completely from my credit report and bring back the score to the level it should be without that account.
Consumer complaint received 2017-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THE BUREAUS HAVE FAILED TO PROPERLY INVESTIGATE FRAUDULENT, ERRONEOUS THATS A RESULT OF IDENTITY THEFT