davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CA)

Nelnet refuses to accept a document I uploaded as proof of my income for XXXX. I provided a w-2 for years XXXX, XXXX, XXXX. My w-2 for XXXX was taken by my ex husband for filing taxes. He would not return it. I called XXXX and nelnet and was told that a screenshot of my year end pay sub would be suitable as well as something as simple as writing my total gross income a plain paper and sending it to nelnet/XXXX. I sent a screenshot. I also filled out the financial disclosure letters as requested. Nelnet has refused to accept my gross income statement from XXXX even though I was told any proof was acceptable. My loans went into default and my XXXX tax return has been garnished. I feel I have provided acceptable proof for all 4 years and no one I talk to will help me. I consider this abusive and dishonest by nelnet advisors. There is no way to upload documents directly to XXXX website, only through Nelnet. Obviously they share the files because XXXX  can view them but still refuses to accept my income statement for XXXX
Consumer complaint received 2019-03-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MI)

Midland Funding has 3 accounts listed on my credit report that have not been verified. I wrote a letter on XX/XX/2019 to Midland Funding requesting them to provide me with validation, made pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, along with the corresponding local state laws. They have continued to attempt to collect debt with failure to provide verification under the Fair Debt Collection Practices Act and have RETALIATED WEEKLY increasing the balance owed after they received a second letter, written on XX/XX/2019, from me requesting this same verification. This RETALIATION has resulted in a credit score DECREASE. I would like the 3 accounts with Midland Funding to be removed from my XXXX XXXX and XXXX report.
Consumer complaint received 2019-03-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Portfolio Recovery Associates has 5 accounts listed on my credit report that have not been verified. I wrote a letter on XX/XX/2019 to Portfolio Recovery Associates requesting them to provide me with validation, made pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, along with the corresponding local state laws. They have continued to attempt to collect debt with failure to provide proper verification under the Fair Debt Collection Practices Act and filed a Judgement against me after they received a second letter from me written on XX/XX/2019 requesting this same verification. Portfolio Recovery Associates is not licensed in the state in which I reside in which is Michigan. It is illegal for Portfolio Recovery Associates to collect in a state that they are not licensed in. I would like the 5 accounts with Portfolio Recovery Associates to be removed from my XXXX, XXXX and XXXX report.
Consumer complaint received 2019-03-04
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: Ability Recovery Services, LLC (GA)

I contacted Ability Recovery in reference to a fraudulent XXXX University account that is now in collection with them. I have never attended XXXX and this account was fraudulent. Per my email conversation with XXXX XXXX XXXX, this account was to be deleted from my credit file. As of XX/XX/19, this fraudulent collection account is still reporting on my XXXX credit file. Per XXXX, this account is valid per Ability. This is not my account and this collection is causing a major detriment to my credit file.
Consumer complaint received 2019-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

Bank of America withholding substantial funds that are not owed to them and belong to me. 
Sent letter in XX/XX/2019 that they returned the funds but I do not have them.
Consumer complaint received 2019-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I pulled my credit report last night and i noticed several unauthorized inquires that do not belong to me. Please remove the inquires from my report as soon as possible, for these are results of identity theft. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (OH)

I leased a new vehicle through GM Financial on XX/XX/19, at that time, the dealer paid my three remaining payments and purchased the vehicle. These payments were sent to GM Financial. 

As of XX/XX/19 GM Financial has not applied the payments. The dealer has called GM to resolve the issue and GM has yet to update the account.

I am currently closing on a home in 3 weeks and the inaccurate information on my credit report is adversely affecting my current standing and is a threat to successfully closing my home. 
I reached out and chatted with XXXX iwth GM who refused to provide any information to me other than the account showed unpaid.

She would not seek information from accounting, review account notes from the dealer 's conversation.

So I reached out to the dealer who reached out to GM again. This time he provided a corporate contact, XXXX XXXX, to aid in resolving the matter. I called XXXX and left a voicemail but have not heard back. 
Given the time sensitive nature of the issue and GM 's historical difficulties with payment applications, technical glitches and inaccurate migration data, I do not feel confident this will be resolved without the aid of the CFPB.
Consumer complaint received 2019-03-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Upgrade, Inc. (TX)

I recently lost my job and my mother was diagnosed with XXXX XXXX XXXX   XXXX with a few weeks to live. I notified the agent, asked to not receive calls at this time. The calls have not stopped but increased and on XX/XX/2019 XXXX XXXX I received a collections call to my cell phone. Yes at XXXX which caused us to wake up with panic thinking something has happened to my mom as she is currently under home XXXX XXXX in our care. 

I continue to receive the calls at all times and hours. I have screenshot my call records for that XXXX call a swell.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

When I pulled my credit report on XX/XX/XXXX due to being denied credit The transunion company report states that they VERIFIED IN XX/XX/XXXX my employment on three employers I HAVE BEEN ON XXXX SINCE MY car accident in XX/XX/XXXX.
Consumer complaint received 2019-03-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO Bank, N.A. (IL)

On XX/XX/2018, I opened a checking account at the BMO Harris Bank XXXX XXXX, IL branch. I funded the account with a deposit of {$1600.00}. On XX/XX/2018, I received the debit card for the new account and noted the address was wrong. The city displayed was wrong. I called the bank and noted to the bank that the address city was wrong and asked for the address to be corrected. 
On XX/XX/2018, I paid online via the debit card for a service. I thought it best to confirm my checking account balance and checked the balance online. On checking the online balance, I found my balance to be XXXX. 
I contacted BMO Harris customer service and inquired what had happened. The Customer service person suggested that I contact the bank in person. I visited the XXXX XXXX, IL branch and was advised by a XXXX XXXX, bank rep, that my account was closed. Per XXXX XXXX, a XX/XX/2018 letter was sent to my address by the Compliance dept of the bank. XXXX XXXX said that due to no response from myself to the letter that the account was closed and a BMO Harris check was mailed to me. The check date was not know by Ms XXXX. But the check was mailed to my address. Ms XXXX said that she had personally tried to phone me to inquire to address the situation in the compliance dept letter. 

I advised Ms XXXX that I had not received the compliance dept letter. Same for the BMO Harris check sent to my address. Further, I indicated that I had not received a phone call from MS XXXX. 

I requested a copy of the letter from the compliance dept from Ms XXXX. She advised me that a copy would be sent to me via email shortly. After a few days and no email received, I contacted Ms XXXX via phone and email. I contacted the branch manager via phone and email ( Ms XXXX had supplied me with a wrong email address for the branch manager ) requesting the compliance dept letter. I contacted BMO Harris customer service requesting the compliance dept letter via BMO Harris via their website contact process. I contacted via phone voice mail with a XXXX XXXX of the XXXX IL BMO Harris branch to contact me. All attempts to have BMO Harris Bank contact me were futile as no body contacted me. I do not have the compliance dept letter. 

I suspect that no compliance dept letter was sent due to the lack of no contact on this request. 

My complaint is about the lack of service in not providing the compliance dept letter to myself and the closure of my checking account. 

I have searched the CFPB database for similar account closure problems and have found 5 others.
Consumer complaint received 2019-03-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: XOOM CORPORATION (PA)

On XX/XX/XXXX19 I attempted to transfer XXXX to my wife 's checking account in XXXX. XXXX 's website required entry of my Social Security number to continue. I entered this, and was denied the transfer. I spoke to customer service that day and was informed that my Social Security number was not accepted because they use it to check my credit and couldn't because I have a security freeze on my credit. I asked why the company did not notify me this was going to happen, and why they need access to my credit report when I have taken steps to certify my bank account with the company already. While on the phone - not providing any answer to these two questions - the representative looked at my checking account and confirmed I have sufficient funds for the transfer I requested. 

I was told the only way I could then transfer the amount I wished, was to fax a copy of my passport to XXXX. This I was not willing to do, so I asked what is the maximum amount I can transfer. I was told XXXX USD every 24 hours. On XXXX I transferred XXXX. The next day I attempted to transfer another XXXX and was denied by the website, with a message saying I was over the sending limit. Yet XXXX 's website states what the representative told me, that I can transfer up to XXXX every 24 hours without providing the additional personal information I do not want to share. 


This continued for several days, until onXX/XX/XXXX19, I was allowed to transfer another XXXX. It has now been another week, unable to transfer more money. On XXXX by email the company sent this message " As of XX/XX/2019, you may send as much as {$1600.00} to your recipient " when I inquired again why their advertised transfer limits are untruthful. 

We do not have another way of sending this money direct to the bank in XXXX. XXXX advertises transfer limits they do not honor.
Consumer complaint received 2019-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MS)

In XXXX of 2019, I applied for a Gold Delta SkyMiles Credit Card through American Express ( AMEX ) During a promotional period. The promotion states, " Earn XXXX Bonus Miles after you make {$2000.00} in purchases on your new card in your first 3 months and a {$50.00} statement credit after you make a Delta purchase with your new card within your first 3 months. '' Also, the offer states, {$0.00} Introductory annual fee for the first year, then {$95.00}. '' I received the XXXX bonus miles and the {$50.00} statement credit. However, AMEX charged my credit card the annual fee, which is suppose to be waived the first year. I contacted AMEX, spoke with three individuals, including a supervisor, who all stated they can not locate this promotional offer. I offered to provide AMEX with a copy of the promotional offer, but they refused to accept it.
Consumer complaint received 2019-03-04
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: Experian Information Solutions Inc. (KY)

I have requested numerous times that and a Collecrion be removed form my account. It is illegally there as I was never billed for These services and my information was obtained illegally.
Consumer complaint received 2019-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (NV)

I have been a US Bank customer for a year now. I recently was looking at my Annual Escrow Account Disclosure Statement as of XX/XX/XXXX and noticed that besides my shortage of {$480.00} US Bank is adding a reserve requirement to my account for the amount of {$130.00} which is causing my shortage to be {$610.00} rather than {$480.00}. This amount has been prorated over 12 months for the amount of {$51.00} which should only be $ XXXX {$40.00} over 12 months. I work in a large home mortgage company in which to my knowledge with escrow, per the law, the state of Nevada does not require a reserve. However, US Bank is adding a reserve to my account. This company is exhibiting unethical and illegal behaviors. I called US Bank today XX/XX/XXXX and spoke to a representative named XXXX in which stated that they are unable to remove the reserve per their policy. I asked to speak to a supervisor and the agent stated there was not one available and transferred me to a senior agent by the name of XXXX. This agent did not help me in any way and kept stating that per their policy they can not remove the reserve even after i mentioned that the law does not require a reserve and per RESPA they are allowed to have one but if the state prohibits a reserve they should be able to remove it. Conversation was not going anywhere towards helping me and clearly they are not abiding by the state law. Please see the screenshots and the highlighted information as reference.
Consumer complaint received 2019-03-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX, I came into contact with people claiming to be a branch of the XXXX XXXX. The man I talked to identified himself as XXXX XXXX, phone no. XXXX. He claimed that I have been approved for a loan of {$2000.00} and would place the money in my checking account at the Bank of America. However they said that they required my bank account information and they would put some money into my account and if I sent it back, then I would receive the {$2000.00}. They did put over {$1400.00} in my account. I should have realized then but did not know that that they had done it fraudulently by writing checks from companies or organizations that I had dealt with. They told me I had to send the money back using a XXXX XXXX XXXX. Stupidly, I did that, but then they said that something went wrong and I had to do it again. They put more money in my account this time {$1400.00} from a religious organization I belong to. This organization had previously reimbursed me with a check for about {$15.00} from the XXXX XXXX XXXX and that is how the fraudsters had banking information about this organization. At this point, Bank of America suspected fraud and closed my checking and savings accounts. The money in the checking account including the {$1400.00} from the religious organization remains frozen. I have requested that the money be released so that I can return the money to the religious organization. I have informed the legitimate XXXX XXXX that someone impersonated them The XXXX XXXX assured me that they did not know who committed the fraud in their name.
Consumer complaint received 2019-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

Hey, these old addresses are hurting my credit report. I am also concerned that someone else may be applying for credit under my name and using these old addresses. I have provided to EQUIFAX copies of my current address during the months of XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018.
Consumer complaint received 2019-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT)

User of secured Master Card ( Credit card ) issued by XXXX XXXX XXXX on XX/XX/2017 and banker is XXXX XXXX XXXX but unfortunately I am not been able to get my credit score. Contacted my bank and Card issuer and came to know that my account is being freeze by Credit reporting agency. Credit Card issuer not provided adequate support to resolve the issue only respond by generic letter which is vague. As part of my Initiative to resolve the issue I contacted Trans Union and created a file XXXX. As per their requirement provided all the docs e.g. copy of Driving License, Copy of SSN, Copy of Bank Statements but without resolving the issue and without providing any reasonable explanation close my file by Trans Union. Not showing helping attitude to resolve the issue, even not clearly mentioned which was the point of dispute. Hope the reporting agency will come forward to unfreeze my account that I can get Credit report.
Consumer complaint received 2020-12-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANNER CORPORATION (WA)

We opened a construction loan with a float down to conventional mortgage in XX/XX/XXXX. The financial institution was Banner Bank in XXXX Washington. Due to frustrations and poor customer service, we paid off the loan and moved the balance to another institution on XX/XX/XXXX. 

We prepaid inspection fees totally {$1200.00} and only {$600.00} of that was recorded against the escrow. As of XX/XX/XXXX we haven't received the {$610.00} refund or any explanation where the funds are. We've asked repeatedly, via phone calls and emails for a reconciliation and receive no response from the department responsible for the funds.
Consumer complaint received 2019-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

Hey, there are old addresses listed in my profile that are hurting my credit report. I am also concerned that someone else may be applying for credit under my name using these old addresses. I have provided to Experian a copy of my current address.
Consumer complaint received 2019-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have been going through financial hardship and have been in contact with my creditors. I have requested payment assistance, ergo a forebearance and Capitol One will not work with me. I have explained the details of my hardship to multiple phone agents and I have been advised that if my account were to grow further delinquent they may have assistance options, but at that time my account was already 60-90 days delinquent. It seems that the company is encouraging account delinquency before payment assistance/relief will be provided, and therefore negatively impact the customers credit score. I was offered a late fee waiver program where I could pay at any time without the fees but they will still report to the Credit bureau the number of days delinquent, and not that I was in any relief program. After growing further delinquent as I was advised I was initially denied a review for a forebearance, and then upon a 2nd request I was told that I did not qualify for a forebearance in spite of the account being further delinquent. I was told the only relief they will offer me is the late fee waiver program and that they are considering closing my line of credit. I answered their calls, kept them informed of my finances, grew further delinquent as I had been advised to by multiple phone agents, and still no assistance! Now that I'm calling to get pay off information I am not able to get any  information on my account through the automated system, I have to wait another day to talk to a phone agent. I'm sorry, but if they were not willing to assist me, why would I want any phone agent to receive credit for me paying off the balance or bringing the balance down? No matter the level of delinquency on my account, I should have the same rights to access my account as someone who is current on their account! As a creditor they should be willing to work with customers who are trying to resolve their debt and not encouraging customers to grow further delinquent.
Consumer complaint received 2019-03-03
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hi, I was an authorized user on my brother Capital One Savor credit card account. I was given my own card in my name and I made purchases in XX/XX/2018. I also paid the bill 30 days later when it was due, XX/XX/18. 

Later, my relationship with my brother became strained in XX/XX/2018 with him stalking me and my family and sending us derogatory messages. He also called and reported my purchases as fraud. Now one of my purchases, particularly XXXX want their money again and I already paid them. XXXX also have denied me access to pay with any card because of the returned payments. Pls help me.