davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

We had a refinance closing with XXXX scheduled for XX/XX/XXXX. The person from the title company came to our house to do it and we thought everything went fine. About XXXX weeks later, we got a call stating " the date on the settlement documents was incorrectly typed for the XXXX, not the XXXX ''. Therefore we needed to do a closing for a second time. We had it scheduled for around XX/XX/XXXX. No one showed up or called. We scheduled a XXXX attempt for XX/XX/XXXX. This time, we closed and everything seemed fine. I set all the paperwork aside after the closing and didn't look at it again until I was filing it away about a month or XXXX later. That's when I noticed that the monthly payment was the same amount from the first settlement on XX/XX/XXXX and the final settlement on XX/XX/XXXX. Here 's my concern... I made XXXX bi-weekly payments between the XXXX closing dates totalling {$2800.00}. How could my monthly payments be identical if I paid that much extra? I did receive an " escrow surplus refund '' check in the amount of {$930.00} ( still not cashed ) dated XX/XX/XXXX. The remaining XXXX payments were applied to the loan that was being refinanced ( also a XXXX loan ). The total loan payoff amount as of XX/XX/XXXX was {$180000.00} and as of XX/XX/XXXX was {$180000.00}. I also paid more in closing costs the final time. My points went up from 2.046 % on XX/XX/XXXX to 2.59 % on XX/XX/XXXX. This caused my total closing cost to go from {$11000.00} on XX/XX/XXXX to {$13000.00} on XX/XX/XXXX. An increase of {$1800.00}. Why was I penalized because XXXX had a date mix-up? I tried handling all of this directly with XXXX. I have logged over XXXX hours of calls and an email or XXXX, all to no avail. I am currently waiting for a call back that should have occurred over XXXX weeks ago. No one ever calls back. I always have to call them and start my story all over again each time I call. I initially emailed XXXX on XX/XX/XXXX who told me I had to call the loan department. They referred me to Loan Servicing. They referred me to senior representatives and then to the Retail Department. I didn't start tracking dates, times and names initially. But after my XXXX or XXXX call, this is what I have... I spoke with XXXX and XXXX on XX/XX/XXXX or XX/XX/XXXX, XXXX on XXXX, XXXX on XXXX, XXXX on XXXX and XXXX XXXX XXXX XX/XX/XXXX. After speaking with XXXX for over an hour, he told me he had typed/written down our entire discussion so that he could pass the issues along to the proper individuals and they would contact me " by the end of the week ''. That was on XX/XX/XXXX and as of today, XX/XX/XXXX, I have yet to receive any form of communication from XXXX. Any assistance would be greatly appreciated as I am at witts end trying to get a legitimate response. Here are some of the phone numbers I managed to aquire... 
Loan Department XXXX Loan Servicing XXXX Retail Department XXXX XXXX XXXX ext XXXX XXXX XXXX XXXX Thanks in advance, XXXX
Consumer complaint received 2015-09-18
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XXXX XXXX XXXX at Bankof America Corporate OFFICE Headquarters Bankof America XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX about i hadandaccountwiththeBank Account Number XXXX and Rrouting XXXX the Bank phone numberis XXXX XXXX XXXX theysaidtheBankaccountwasand XXXX XXXX XXXX XXXX/XXXXtosendbyXXXXonly {$75.00}, torecivers XXXX XXXX XXXX XXXXshesaidtheyhadDeposit XXXX} and i couldstartwithdraw XXXX/XXXX/15 i talk to bank of america atmyhomeandtheysaid i do not haveaccountwiththem andthatthis a scamtheyemai XXXXXXXXXXXX
Consumer complaint received 2022-01-19
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: Maximus Federal Services, Inc. (OH)

I have one 90 day late payment on this account which makes no sense because I have had a positive history. This remark is hurting my payment history and ability to purchase a home. Each time I dispute they say it is verified or updated with no explanation or proof on how the information was verified. I have also wrote XXXX and they never replied. I want this removed off my credit profile immediately.
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (PA)

Navient can be summed up in a few words. Greedy and unhelpful. I currently make a majority of my payments and Navient has terrible customer service. For someone who is in sales, this is not how you treat customers. 

1. Constant calls to me and my co-singer ( Mother/Father ) for no reason and you do n't leave a message. Not to mention you come up blocked. 
2. Every time there is an issue you could call someone and then call back and get a completely different answer. No communication, I have had more frustrating calls then satisfied calls. 
3. Income-Based Repayment plan is absurd. You only take my salary into account, not any other debt ( living/bills/car payment/federal loans. That takes up more than XXXX my paycheck. Living expenses like eating and gym memebership. Gas and commute money ... All factor into my income. 
4. This is the most sensitive one. My parents are on the verge of retiring and are co-signers on my loans. I was told by multiple Navient employees that if I made " Two full years of payments '' my parents could be requested to come off the loan. I came thru on my part making 24 months of payments ( around {$850.00} ) a month. I was excited so I told my parents and they were ecstatic because they want to refinance and sell their house. But nope this company denies my request after I clearly met all the requirements. Because I owe them too much ... Mind you I just got a 25 % pay increase last year. They are impossible to work with. 
5. They never ever contact me to tell me I must submit a new XXXX tax form to see how much I made, putting my loans into late payment and causing interest to build. 
6. Some of my interest rates are 10 %, 11 %, and 12 %. How am I supposed to pay them back quickly with that rate? 

In conclusion I am just done with this company and am looking to refinance my loans with a private bank. I do n't mind paying for my debt knowing I got a great education. Why am I being punished or bettering myself with higher education? America needs a wake up call. Imagine if all of my fellow slaves to Navient could contribute the {$1000.00} a month we pay in Student Loans, imagine the boom in our economy. I would like to file a lawsuit against this company for negligence. They have failed to help me get a handle on this debt.
Consumer complaint received 2023-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OH)

This debt buying company, Jefferson Capital, recently added a derogatory account to my credit report. All three bureaus, in fact. They say I have an {$870.00} debt with a XXXX  mastercard dating back to XXXX. Upon checking my credit scores, no debt with this information appeared before XXXX. The company reportedly bought it back in XXXX of XXXX. 

I received notice of a debt collection on my credit report on XXXX of XXXX. I quickly started disputes with XXXX and XXXX, XXXX did not show a new mark but did drop my score XXXX points. I reported a fraudulent act to these bureaus and was told it would be 30 days. 

I reached out to this parasite company and told them that I never had a verve mastercard and that this card had been fraudulently opened without my permission. 7 years ago, according to them. They said they'd mark it as fraudulent. 

I have NEVER had a XXXX  XXXX, I would think the proof would be as simple as the credit bureau checking through my information and seeing that that card has never reported on my credit report. Surely, if I defaulted on a credit card, I would have heard about it before 7 years had passed, right?
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

I have a loan with SYNCB/OLDNAVY and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SYNCB/OLDNAVY and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX and SYNCB/OLDNAVY with no successful resolution. XXXX, XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: USCB, Inc. (VA)

This is my complaint to USCB AMERICA for taking no action on correcting and removing the fraudulent accounts including the unauthorized inquiries that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my XXXX report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

My HSBC credit card number was stolen and initiated the below purchases without my knowledge XX/XX/XXXX XX/XX/XXXX XXXX - XXXX XXXX NY {$61.00} XX/XX/XXXX XX/XX/XXXX XXXX  XXXX  XXXX CN {$27.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX MO {$1200.00} In that same date XXXX the HSBC security team found several other fraudulent charges as follows XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XX/XX/XXXX XXXX XXXX XXXX XXXX ND XX/XX/XXXX XXXX XXXX SP XXXX XXXX XXXX FL All of these transactions were blocked as a part of fraud prevention and we reported fraud from our side and and credit card was closed. And a new credit card was issued But the charge we disputed for the amount of XXXX on XX/XX/XXXX XXXX XXXX XXXX  XXXX MO is reinstated in the statement. Now there is a late fee and finance charge was accrued. Got a statement of Account number ending in XXXX New Balance {$1200.00} Minimum Payment Due {$76.00} Payment Due Date XX/XX/XXXX Neither me nor my spouse XXXX XXXX initiated this purchase and we never received any services from XXXX XXXX XXXX  XXXX XXXX MO for the amount of {$1200.00} And when I called the fraud investigation team, they are saying My spouse XXXX XXXX initiated the purchase, and the HSBC send us the bill of XXXX XXXX and surgical through email stating that the name is correct, verifying the bill from our side which states my spouse name is correct but the address is incorrect, our XXXX number is missing.There are hundreds of apartment units in this apartment complex If his name was used in the above transaction, He was a victim of identity theft dated XXXX and his police report is also enclosed. 
So I filed a new police report under my name for the above said transactions in my local police department. 
And more over the fraud investigation team told us to call this XXXX XXXX XXXX company and we called them they told us to send an email regarding this matter and the send email is also enclosed. And when we call them they are asking us which company are you calling from and the fact is that we dont have a company in the first place and we dont know who is this XXXX XXXX  XXXX company.Moreover it is oblivious that somebody initiated several purchases on the same date. 
We called the HSBC regarding this matter several times, chatted several times, send email but got rejected and even send a register letter to the HSBC billing department and there is no help from the HSBC credit card company.
Consumer complaint received 2022-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I have a mortgage that is serviced by Mr. Cooper. Taxes and insurance are escrowed, so Mr. Cooper collects funds from me on a monthly basis to pay those items when they are due. Mr. Cooper failed to timely pay my XXXX XXXX, Montana tax bill of {$1600.00}, due XXXX. As a result, XXXX XXXX imposed a penalty of {$32.00} and interest accrued on the amount due until Mr. Cooper paid the full tax, with penalty. Mr. Cooper paid the full amount on or about XXXX, resulting in accrued interest of {$6.00}. Accordingly, the total amount in late charges from XXXX XXXX to my account -- due to Mr. Cooper 's late payment -- is {$38.00}. And the total " new '' payment amount for my taxes was {$1600.00}. Rather than pay this late penalty themselves, Mr. Cooper extracted it from my escrow account without notifying me. 

I contacted Mr. Cooper on XXXX, and requested that they reimburse me for the penalty/interest from their late payment of my taxes. Mr. Cooper said that they would remedy the error and repay me the {$39.00} in funds into my escrow account. On XXXX, Mr. Cooper called to inform me that they did not believe that the {$38.00} increase was due to penalty/interest -- despite the fact that this information is available on the XXXX XXXX website .
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (NY)

I am unaware of this debt. I did not have the opportunity to dispute this debt before appearing on my consumer report, as I did not receive proper notification. If in fact, you disagree, that I did receive proper notification, please provide the CERTIFIED MAIL RECEIPT that includes my signature, stating that I received notification at least 5 days before this debt appearing on my consumer report. I am aware of my rights under the FDCPA and FCRA, which entitle me to receive notification of any debt collection activity and to dispute any inaccuracies on my consumer report. The lack of proper notification violates these rights, and I demand immediate rectification.
Consumer complaint received 2022-08-15
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: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX # XXXX, has violated my rights. 

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
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LJ Ross Associates (IL)

I happened to check my credit and seen my name missed with an address that I have never resided and an account with XXXX XXXX XXXX XXXX # XXXX ( Peoples Gas ) Collection. I had sent in my complaint that I filed with the police department -report : # XXXX. I also seen another account that I never applied for or given my personal information that was removed off 1 bureau and I don't understand since they all get the same information from the same furnishing source. I sent in all the proof with my identification that I have been living at the same address since I was XXXX XXXX XXXX and now I'm XXXX with my parents. I will attempt to call the again directly and submit all my proof. the collection had old dates that ways about 3-5 years and since I disputed they have changed the dates of the account stating I owe {$4.00} and My information at one point in my life was stolen and I never need to apply for any utilizes. they corrected my name but didn't remove an address that I never resided, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX IL XXXX. I sent my Id and social security card and police report complaint.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Service Finance Holdings, LLC (GA)

Service Finance is reporting this debt as an open acct on my credit bureaus but the acct was charged off in XXXX. This company is also still charging interest on a charged off acct and also reporting this account as a mortgage account when it's actually a home improvement loan. I have called and talked to XXXX XXXX in XXXX, XXXX and I also in XXXX and my last attempt to settle this debt was in XX/XX/XXXX and also XX/XX/XXXX. I offered to settle the account for 50 % of the debt. This company is continuously reporting on the account and charging more interest which I know is illegal to keep charging interest on a charged off debt. I have notified XXXX, XXXX XXXX and XXXX about the inaccurate information and the company claims this is accurate information. This company should get penalize for trying to deliberately destroying a person 's credit.The original contract was 60 months but they're reporting I'm 69 months delinquent. Every month still reporting
Consumer complaint received 2022-07-19
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: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal Credit Union continues post transactions out of order on my checking account. They are not following the posting schedule and I believe they are doing this to collect more overdraft fees. They do not widely advertise the posting schedule I had to request a supervisor to tell me the schedule because the first representative did not know. This is deceptive practice. They are capitalizing off of people financial hardships during a pandemic.
Consumer complaint received 2015-09-10
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a XXXX loan on my primary resident with bank of america, From XX/XX/XXXXthe loan fall into default since late XXXX XXXX due to economy crisison XXXX was told that the loan was discharged. and they loan lien will be releasedby XX/XX/XXXX, But never did, for several years, i was in overseas due to family problemsafter several years, finally i modified my XXXX loan on this property .as of XX/XX/XXXX, my property is still under water with regard to my first loan value I got a property tittle report showing there is still an active second lien on the property. 
surprised very much, and i contacted bank of america, again, First i was told this loan was paid off, on XX/XX/XXXX ( that is not true ) then i asked for release of lien certificate, you have to take care of your first loan lien modification. then we will take care of XXXX loan. and we may waive your second loan. if there is no value for XXXXand they ask me to provide them with my current financial and property information, i was told in order to release the lien i have to reach to a settlement agreement .even though there is no equity in to property according to their bpo evaluation, and the current negative condition with regard to lots of needed repair and maintenance, still demanding more than 50 % of final charged off balance, i can not afford the XXXX loan. and there is no value for that either. let alonei have hard time to maintain the first loan. i accept the XXXX loan modification offer. 
with the condition to get rid of XXXX loan, now there is no incentive to keep the property now if that is the case, and let the property go into forclusre anyway, and that defeat the whole purpose of HOME AFFORDABLE ACT, now bank americaplaying game and Deceiving tactics in order to collect this bad loan to begin with, I reached to Bank excutive office, and was told the lien was approved to be released, but they do not say why, simply do not know .///???? ( in XX/XX/XXXX bank of america was releasing $ XXXX XXXX loan liens. that was XXXX of them, they do not know what happened, the loan was a XXXX balloon that carried a prepayment penalty, and term of the loan are unknown, because a copy of the prepayment penalty rider was not provided, this type of loan considered as predatory by US General accounting officebecause of ballon component, prepayment penalty and high debt to income ratio of 70.16 % .edAt last : i am trying to resolve this matter and receive a final reconvene of XXXX loan, as i can not afford, i have no job and i was self employed and lost my business and do not have any saving or financial resources and have very bad health condition due car accident, but b o a is giving me a ran around, and telling me they do not care ifmy first loan is underwater, or being modified or even goes to foreclosure. 
I hope Bank of america waive the XXXX loan due to no value or equity into XXXX and XXXX loan of the property. ( according to making home affordable act ). 





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