davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-15
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company (FL)

I was contacted by phone by my current Mortgage Lender indicating that they wanted to offer me a lower interest rate, which they said would reduce my current payment with no out of pocket additional cost to me. I was making my mortgage payment and paying an additional ( approx ) escrow payment of {$410.00} on a monthly basis. This additional payment led to about approx {$4500.00} being in the escrow account at the time that the Mortgage Lender called me. My home is a new construction, and XXXX will be the first year that the land and home have been appraised. At my original closing XXXX XXXX XXXX XXXX, it was suggested that I put in extra money in my escrow account to make up for the short-fall that would occur when my XXXX taxes would be due. During our conversations ( which are all recorded by the mortgage lender ) we discussed what would happen to the accumulated escrowed additional monies that we had XXXX the {$4500.00} XXXX - and we were told that we would either receive a check for those funds, or that the escrow would be rolled over to the new escrow account. At NO TIME EVER was any mention made that the escrow funds would be used to pay down the current mortgage principal ( thereby making the principal lower so that they could fraudulently tell us that they could " lower '' our payments ). After closing on the new loan, and us calling them ( prior to the three days " cooling off '' period ) - we inquired about what happened to our {$4500.00} escrowed monies, we were told that we had to call back to discuss this AFTER the new loan was processed and the cooling off period was expired. Once we were able to talk to an agent, XXXX XXXX XXXX XXXX, we were told that our escrowed funds of {$4500.00} was used to pay the closing costs on the loan and the remainder applied to the principal reduction, and we would receive a check for {$44.00}. We have made numerous attempts to contact the company to resolve this to no avail and they have not returned our calls. Had we been informed that our escrowed money ( that was earmarked for the XXXX property taxes ) would actually be used for closing costs and principal reduction - we would NEVER have agreed to refinance our mortgage loan. Our monthly payments ( to make up for this now shortfall of funds for our taxes ) will now increase our monthly payments by about {$600.00} a month. We were deceived by their dishonest practices.
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (AR)

I borrowed {$92000.00} dollars for my XXXX degree from XXXX from XXXX XXXX, which is now Navient, from the Tuition answer loan program. I began XXXX school in XXXX and my loans were in deferment until XXXX. It was in XXXX I was informed that I could no longer defer my loans, because the deferment period had expired, even though each time I had talked to a XXXX/Navient Customer Service representative, they assured me that I could defer as long as I was in school. They did in XXXX began offering an alternative to deferment which was Forbearance. During forbearance, I would pay {$150.00} for three months of forbearance. This took nothing more than an agreement over the phone, no paperwork was ever signed. I was also assured that the {$150.00} would be applied to my loan, which it never was. I went through this process beginning in XXXX, up until the XXXX when the informed me no more forbearance could be applied. The loan balanced had ballooned to {$160000.00} when I checked it in XXXX. Close to {$70000.00} worth of interest had been added to it since I started the forbearance in XXXX. I have never been given an explanation other than, " We have done nothing wrong, '' when I have enquired to how this was possible. All that has ever been sent to me was a excel document showing my loan progression on a spreadsheet. But it does n't match what is on my online account. In this was fees that I was never told existed. I feel as if I have been cheated by the amount of interest that has been added to my loan, and will never be able to pay this back. It was n't until XXXX that I was offered income based repayment. I want Navient to be held accountable for the massive amount of interest removed.
Consumer complaint received 2023-04-13
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: AMERICAN EXPRESS COMPANY (OH)

I have attempted to handle this with AMEX several times. Please be advised that this is causing defamation of character and causing financial damages and hardships. I will constitute a failure to provide such a response within 7 business days as your acceptance that this debt is not valid. PLEASE VERIFY, VALIDATE, AND DOCUMENT with the proper documentation that I am LEGALLY OBLIGATED to pay this alleged debt. A simple response or answer of being VERIFIED does not make up a legal or lawful response. I DEMAND THAT YOU REMOVE ALL THE FOLLOWING ACCOUNTS IMMEDIATELY. 

XXXX. AMEX # XXXX XXXX. AMEX # XXXX XXXX. AMEX # XXXX
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX CO ( Original Creditor : XXXX XXXX VA XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Creditor : XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX VA XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (CA)

I had a difficult time paying online. The people at this company acted so unprofessional and unhelpful. I spent hours talking with different people and no one could even verify that I had previously called. My payment ended up being late and extra charges were uncured. They hung up on me. They promised to call me back and never did.
Consumer complaint received 2015-09-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I started the refi process with Bank of America in XXXX and still have yet to close a loan. After months of them dragging their feet to get things closed, they still have not completed this for me. It sometimes takes over a week for me to hear back from the loan officer. Since this has gone on for so long, my rate lock has expired and my patience has worn out. Since I have already paid them a appraisal fee, I 'm stuck with them unless I want to lose out on {$600.00}. This is refi is through Bank of America. It is actually a loan that they sold in XXXX and I am just trying to give them back the business. I had the loan with them since 2008.
Consumer complaint received 2015-11-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (TN)

This particular phone number called five times yesterday and four times already today ( XXXX/XXXX/15 ), but will not leave a voice mail. When i searched the phone number, it shows repeated complaints about this being a debt collection agency called GE Money Bank that makes repeated calls to individuals on the same day or even just one day after a payment is due on a debt. I am not late on any debt payments and do not have an account affiliated with this group that I am aware of. And, it appears I will have to block them to get them to stop calling my cell phone.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$7300.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$160.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2016-08-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I deposited a Bank America cashier 's check in an ATM machine at the XXXX Branch in XXXX Florida on a Saturday XXXX/XXXX/2016 and the ATM machine ate the check. Waited 30 minutes to get a phone answered and did reported it via phone, physically went to the bank that Monday to report the problem and provided them a copy of the check. Am being told there is nothing they can do with the {$970.00} deposit but wait for 90 days to put a stop payment on the cashier 's check and reissue it again. NOT ACCEPTABLE TO MAKE ME WAIT 90 DAYS BECAUSE THEIR MACHINE ATE THE CHECK.
Consumer complaint received 2023-04-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

XX/XX/2023 at XXXX I called Navient and told representative that my payment XX/XX/2023 will be 25 years of payments and what do I need to do to get my balance dismissed. Navient rep said they only show 10 years of payments. I told rep I paid Sallie Mae before that. Rep told me that doesn't count.
Consumer complaint received 2017-02-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BMO Bank, N.A. (IL)

I opened checking account and BMO Harris bank on XXXX/XXXX/2017 with deposit {$100.00} and on this day I tried to make online bill to XXXX credit card for the ammount of {$95.00}. Their website show me a message /in red/ that I can not make online bill payment now and I gave up from the idea to use that service. Suddenly and without my permission BMO Harris make a payment on XXXX/XXXX/2017 and on this day I did not have the money, I was charged NSF {$35.00}, I called to their customer service and the money were refunded. I was totaly surprised when I saw today that my account is negative, becasue BMO tried to pay again without my permission {$95.00} to the same XXXX credit card. I went to BMO Harris, XXXX on XXXX/XXXX/17, spoke with the banker - XXXX, spoke with the Branch Manager and Customer service and I was told that I ow {$91.00} to the bank because they paid to XXXX {$95.00} /I had {$3.00} in the account/. I paid the {$91.00} to the bank, but later during the day XXXX2017/ I got e-mail from BMO Harris Bank that they did not pay the {$95.00} to XXXX and I will be charged NSF {$35.00}. 
I would like to share that when I opened the account on XXXX/XXXX/2017 the banker never discussed with me how the online bill pay works and debit coverage as well! Now I know, but base on the worst banking experience ever in my life!
Consumer complaint received 2023-04-13
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. (GA)

There are MULTIPLE fraudulent items on my credit report. I have reached out to these credit bureaus and companies MULTIPLE times in regard to the fraudulent items and they're still reporting on my credit report.

I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft.

I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.
Consumer complaint received 2017-02-21
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Allied Collection Services, Inc. (Nevada) (FL)

Received alert on credit report on XXXX/XXXX/XXXX regarding negative info from Allied Collection Services Inc.. I looked up number for this company and called them. I stated to them I have no knowledge of this debt and was never notified regarding this debt because Inever received anything in the mail. They told me the debt is from a company called XXXX XXXX regarding a payday loan inXXXX of XXXX. They said a letter was sent out to an address that I lived at more than 10 years ago. I asked them to send info in the mail. I received the info today and it states the account has been updated to to show as disputed. Not Acceptable!!
Consumer complaint received 2023-04-13
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: Experian Information Solutions Inc. (FL)

My credit report is loaded with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting. I've tried to fix the problem with the credit reporting agencies by letting them know the information that was inaccurate in my credit report. THEY HAVE BEEN NO HELP. I WANT THIS PROBLEM FIXED. I WANT THE INACCURATE INFORMATION REMOVED FROM MY REPORT.
Consumer complaint received 2017-03-08
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Oregon Credit Service, Inc. (OR)

I recently got divorced from XXXX XXXX XXXX XXXX after 19 years of marriage.. I have documentation stating he was supposed to take all his debt and I was to take mine which was minimal and mostly doctors bills. Please look over all accounts and verify I am not paying any of his debt. As I walked away with the clothes on my back and nothing else.
Consumer complaint received 2017-02-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NC)

I borrow money to go to LPN school in Florida from XXXX/Navient and I needed to take a private loan out to pay school. Disbursement Date XXXX/XXXX/2007 Original Principal {$15000.00} The Unpaid Principal is now. 
{$24000.00} During that time we hit financial hard times and I was unable to finish school or even pay. Constant threats. Now years later I finally finished XXXX school and have been trying to make payment but the original payment was too high so went to income driven plan. In the last 3 years I have made regular payments to see my principal keep increasing. The payments even on the income driven plan keep going up. I will be in debt forever the way they are working this out. Please help. 
XXXX XXXX
Consumer complaint received 2016-10-07
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc. (CA)

greetings, XXXX ago, i recevied a prepaid visa card as a gift. it was issued by PAYPOWER/XXXX : card no. XXXX XXXX XXXX XXXX ; expiration XXXX ; security code, XXXX i activated it last week and everything appeared fine until i attempted to make purchase. i was told there were NO funds in the account. i called PAYPOWER and was told that i had to give them the original amount loaded onto the card before it could be activated. well, since it was a gift, i 'm unsure if i ever knew the original amount, and if i did, i have long forgotten. these cards are usually affixed to a display card that shows a range of values. a value is not shown on the card itself. also, gift givers do n't customarily tell you the value of a gift. " here XXXX, this is a shirt i paid {$50.00} for. '' just not done. i called XXXX who is the issuer of the card. i was told someone would contact me within 24 hours. no one has. my guess is that if a card is not activated within a certain period of time paypower cancels it knowing full well that the recipient either never knew the original amount or has forgotten. if the card was purchased by an individual to pay bills etc., that 's a completely different situation. prepaid cards should remain usable until the expiration date. THIS IS A RIPOFF!!! i have a card which someone paid good money for that is now worthless. PAYPOWER/XXXX can not be allowed to cheat consumers with impunity. i hope the full powers of the CFPB will be brought to bear against these unethical entities.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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. 

Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2022-08-10
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. (MD)

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. Regarding alleged account # XXXX 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 an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX XXXX ) is reporting on my personal credit file with Equifax, XXXX, XXXX ( Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CRA & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the CRA & DF have not provided me with any evidence of an open contract, signed contract or any valid proof that this was opened, authorized or created by me.
Consumer complaint received 2016-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

I am the co signer to a student loan belonging to my daughter. Navient took over for XXXX XXXX. I am constantly getting calls while I 'm at work about payments that are late. Calls start at XXXX XXXX and go until XXXX XXXX. I get calls on my cell and land line. While I understand that payments have to be made, these past few times the payment WAS made!! My daughter has had to call to tell them they were made and she had a confirmation number. It is my understanding these types of calls are not to be made while XXXX is at work.
Consumer complaint received 2015-10-31
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was charged a {$5.00} fee by Bank of America for withdrawing {$30.00} on or about XXXX/XXXX/2015. There was no disclosure of the at time of the transaction. 

I called Bank America customer service number on the back of the card XXXX on XXXX/XXXX/2015 around XXXX central and was told that we were on a recorded line. I shared my concern regarding a {$5.00} fee and was told that the fee was because of a {$20.00} withdrawal at a gas station on XXXX/XXXX/2015 but that he did have the authority to waive the fee. I requested to talk to a supervisor, XXXX the supervisor said the fee was for a transaction of {$30.00} at another bank. I again explained that the fee was not disclosed and that I would not knowingly agree to pay {$5.00} to access {$30.00}. XXXX said that she did not have the authority to waive the fee. I requested the next layer of management to take my complaint to and told that there is no one else at Bank Ameica to take my complaint. 

I am filing this complaint because I do n't believe the undisclosed {$5.00} I was charged is fair and have no other recourse through Bank of America.