davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BB&T CORPORATION (MN)

We purchased our home in 2012 through a local lender. Within the month the lender had sold our mortgage to BB & T. we have had several issues with them, but most recently it is twofold. 
1. my wife was unemployed and receiving unemployment insurance. we applied for hardship. BB & T made us fill out the same forms multiple times, lost paperwork with personal information, and made the process take more than two months. by the time it was finally approved y wife was working again, and we were two months behind. BB & T then refused to accept payments when we did try to make them, even though the payments were for more than one months worth of mortgage.

2. we also received a letter from BB & T stating that they sent an inspector to our house and our house was reported as vacant, a violation of our mortgage ( once again, we never signed a contract with BB & T ), and that they were going to take steps to secure the property. our home has never been vacant, and it is clearly occupied even from looking at it from the street. when we asked BB & T why they thought it was vacant they responded saying that sometimes the inspector doesn't approach the house but instead makes the decision from a distance. this is unacceptable.
Consumer complaint received 2019-06-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

My original student loan in XX/XX/XXXX was {$35000.00}. Over the years I made payments and also had my taxes garnished but the total just kept getting higher. In XX/XX/XXXX I got a call from XXXX XXXX of XXXX XXXX Ext. XXXX. She told me that I since I was a single mother and that my loan was so old, I was eligible to reduce the interest rate of 9 % and to have all the penalties and interest removed after I made 5 payment in a row. XXXX XXXX at XXXX # XXXX XXXX walked me through all the paperwork and told me not to worry about all the legal speak and that before I knew it this would all be behind me. My loan is now at {$130000.00} still at 9 % and I just got an email that if I don't sign a new document my payment will be {$1600.00} per month and a everything will capitalize on top of the old amounts. When I called to ask what was going on the customer service person told me that I should be careful of what I sign. She told me to call my senator or contact the department of education. That I should pay {$5.00} a month. Meanwhile, I am devastated and don't know how to even begin to tackle this debt. I feel I was defrauded by XXXX/ Navient and I met others where the exact situation took place. I feel so foolish.
Consumer complaint received 2019-06-28
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: WELLS FARGO & COMPANY (NJ)

I had signed up for a business credit card by Wells Fargo. At the time that I applied it was the XXXX, NJ branch back in XX/XX/XXXX. According to the customer service representative we were told that there was a promotion on the credit card regarding sign on bonus of {$500.00} cash back or XXXX reward points if we spend {$3000.00} or more on the account. The requirements were to make charges on the credit card within 90 days of account opening. We did fulfill this requirement apparently upon contacting customer service from Wells Fargo they told us that in actuality they never heard of the promotion. 
However we spoke with XXXX from customer service on XX/XX/XXXX at XXXX p.m. and she had promised us that she would extend the promotion charge period from XX/XX/XXXX to XX/XX/XXXX. Basically we had to make upto {$5000.00} in new charges so far at the time we had incurred about {$3000.00}. So we did make an additional {$2000.00} of business purchases on that credit card which brought our total charges made on the credit card to {$5000.00}. XXXX from Wells Fargo customer service told us that the sign on bonus would be reflected on our statement within 1-2 credit billing cycles which would bring it to XX/XX/XXXX. We again contacted customer service on XX/XX/XXXX via message center online through the Wells Fargo login to inquire about the sign on bonus and to confirm that we would receive the bonus by the XX/XX/XXXX statement. We spoke with XXXX XXXX on XX/XX/XXXX at XXXX p.m. who clearly said we would be paid out the {$500.00} or XXXX reward points by the XXXX statement. XXXX XXXX from Wells Fargo customer service gave us a case number to followup in the future in case we should call the customer service phone number ( XXXX ) and that case number is XXXX. Fast forward to XX/XX/XXXX we contacted customer service from Wells Fargo again and this time I spoke with XXXX on XX/XX/XXXX at XXXX p.m. who stated that the credit should be reflected when our XX/XX/XXXX statement is released. Fast forward to present the XXXX statement was released two days ago and we have yet to receive the bonus. I feel like we are being jerked around by Wells Fargo. Hence I am forced to address my grievance here. 

Please advise further. 

Kind thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Business Owner
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2019 my Transunion and XXXX reports took a hit of 10 points without good cause or reason. On XX/XX/2019 my Transunion and XXXX reports took another hit of 90 points with out good cause or reason. My credit was at XXXX and now it is at XXXX. There appears to be a computer calculation or clerical error. It may seem like these are duplicate complaints but the egrigious mistakes continue to happen causing negative results on my credit. This will cost me money in the end which could lead to my filing a civil lawsuit against the culorits involved. I am a XXXX veteran and i suffer from XXXX. These egrigious errors are causing me a lot of unneccessary stress.
Consumer complaint received 2019-06-28
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. (NJ)

I have several accounts that don't belong to me. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX what is this on my credit please remove not mines I explained XX/XX/XXXX Balance {$150.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Date XX/XX/XXXX Balance {$570.00} Collection Debt {$570.00} XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {$150.00} Collection Debt Account Type Revolving Balance Credit Limit {$1700.00} Payment Status Negative XXXX XXXX XXXX {$1700.00}
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Re : Intent To File Lawsuit for FCRA Violation To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so. Therefore you can take heed that I am very serious about filing suit against your company. I have sent SEVERAL DISPUTE LETTERS, previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so. 



Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. 



If this final request does not prompt you to conduct a proper investigation of these accounts in question and send proof to me of said investigation, I will file a civil suit in my county for damages, and you can travel to defend yourself. 



I take my credit very serious, and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act, and I intend to pursue them to the maximum. 



I await your response. 



Sincerely, ____________________________ XXXX XXXX XXXX cc : Federal Trade Commission ; Attorney General
Consumer complaint received 2020-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (MT)

Citibank has refused to pay a {$500.00} dollar bonus. I have met all the requirements. The requirements were that {$15000.00} must be maintained for 60 consecutive calendar days, one qualifying direct deposit into eligible checking account for two consecutive months, and no previous Citibank accounts. It has been over 90 calendar days from the date that I completed all required activities. All my accounts were in good standing. I had well over the {$15000.00} required in the accounts. They also started charging me service fees on one of the linked accounts. The account they charged the service fee on had {$1.00} in it. The service fee put the account into a negative balance which they charged me an overdraft fee for. I am so sick of dealing with Citibank that I have closed all the accounts. They keep opening one of the accounts even though there have been no deposits or withdrawals. I have closed this account several times only to look the next day and see that it is open again. They have been no help on the phone. I have called several times and have their personal bankers on tape saying that my accounts were on track to receive the bonus. A couple days before I was to receive the bonus I got a letter from Citibank stating that the bank had closed one of my  accounts without my knowledge making me ineligible for the bonus. I have a feeling they closed the account so they would not have to pay the bonus. They should have told me I was ineligible for the bonus months ago. I would like all my accounts closed and not reopened. There has been no activity on the accounts and no reason for the bank to keep reopening them. I have a feeling they are going to start charging fees.
Consumer complaint received 2019-06-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (FL)

I have concerns that Quicken Loans is knowingly participating in predatory accounting practices in order to garner higher interest rate return on payments from VA loan recipients. On or around XX/XX/2019 I received an email notice from " Rocket Mortgage '' subsidiary of Quicken Loans that an additional payment of {$2000.00} to my principle had interest deducted. This prompted further investigation on my part. I identified that Quicken has an unpublished practice of applying additional funds as future monthly payments in order to garner interest against those payments. If the funds are less than the next scheduled monthly payment they place those funds in a suspended state until after the next scheduled monthly payment to apply to your principle, and I they are greater than your next monthly payment they apply the funds to a future monthly payment. This was further substantiated by their customer support center. I further identified that rather than applying my 3.25 APR to monthly interest draws they were applying 3.285 interest draws. This amounted to 3 to 5 additional dollars being drawn for interest payment each month. Quicken loans has not provided supporting justification for the change in interest applied and has refused to apply the over charged interest to my principle. They have only agreed to apply the past two months additional payments to my principle and not the interest overages. 

Again, Quicken Loans knowingly and with expressed intent defrauded military veterans and possibly others.
Consumer complaint received 2019-06-28
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: CITIBANK, N.A. (TX)

XXXX XXXX I charged XXXX at XXXX XXXX XXXX XXXX after making a return for XXXX I was on my lunch break and in a hurry.. not sure if I left me card inside, in the machine slot, dropped it out of my hand inside store or outside the store .. I realized I didnt have it when trying to go through a drive through for a quick lunch ..., so the last place I used it was XXXX ... I immediately freaked out..so I called them and they said someone turned it in ... I went back and got it..it was out of my possession for Mabey 10 min or so..when I got statement next month I saw a charge for XXXX ... I never spend that a XXXX store and could easily be verified by looking at my XXXX spending history on my statements. I immediately realized someone must have used my card in those few minutes and then turned it in..I called and reported it to Citi Cards and they shut down my old number and I had to get a new card and redo all my automatic payments ... .which is a very inconvenient. But worth it because that person could have took a screenshot of my card before turning it in ... someone did not due their due diligence about this claim. I have never had a credit card company treat me so bad. It was a representative named XXXX XXXX. Who made the decision not to validate my claim ... he said that if the merchant gave me my card back if was on them .., I said XXXX , Citi Bank , nor myself made those charges ... but Citi Bank is my credit card holder and is suppose to protect me from fraud. XXXX never makes a claim to protect me in case of fraud ... I am very dissatisfied and disappointed in Citi Cards and Citi Bank. I have been a good customer for several years.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing about a XXXX XXXX that was opened on XX/XX/XXXX and closed on XX/XX/XXXX. The situation is my account was closed due to a misunderstanding. Fast forwarding they had agreed since everything was paid off they would remove this account from all credit file agency 's. 

The main issue is it says account closed by credit granter. I always paid them on time and this whole thing was a misunderstanding. When they tried to call me I never got the call. I was a good client for years and as there supervisors told me they understood why I would feel the way I do and would remove entire thing from file. They have yet to do so. 

I have good credit and don't want a misunderstanding on my credit report. I would hope citi honors what there supervisors had said. I have spoken to them several times.
Consumer complaint received 2019-06-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (MO)

here is the XXXX case : XXXX : XXXX This is the same complaint I posted against PayPal Inc on the XXXX XXXX XXXX : I made a transaction with a business in XXXX using PAypal because Paypal promises 100 % refund, but now will not give me my refund, tho i have proof. 
We wanted to purchase tooling to make tires in quantity from XXXX at XXXX XXXX XXXX XXXX via Paypal payment, because Paypal guarantees 100 % money back. XXXX at XXXX XXXX XXXX XXXX did not hold his end of the bargain and wasted a lot of our time, so we tried to get the money back from paypal ( {$1200.00} ) because XXXX never provided a product according to the agreed specifications and time. We have emails of these specifications and XXXX agreeing that he would give us a full refund if he was unable to produce the product before any transaction to paypal ever occurred. I called paypal 3 times prior ) to transaction. The only reason I took the risk with XXXX was because paypal protected my risk The issue is that Paypal will not give us our money back, despite full evidence provided. I called paypal over 15 times in total, spending about 8 hours across a few different days, first calling on XX/XX/XXXX and opening a case with paypal in which I was told to send the evidence via their website upload, which i did. I received an email 3 days later saying I hadn't sent them the evidence and that the case was denied because of this. So I called again, re-opened the case, and this time made certain the paypal employee had received the files and read them/viewed them and confirmed they had them. A day later, I got an email saying my case was denied because I hadn't sent the evidence ... So I called again, confirmed they had the files again, and again my case was denied a day later for the same reason. I did this about 4 times across XX/XX/XXXX to XX/XX/XXXX, each time trying to get a manager/supervisor who could promise me they would handle it, to which they would all tell me that I can not speak to the people who actually make decisions on the cases. I asked to speak to the employee who previously promised me they would handle it, and the paypal employees all say " I'm sorry we do not have the technology to connect to a specific employee. It is random sir. '' Every single employee said they can resolve this case and get my refund, but then my case is denied. It is very obvious by the emails that the seller promised me a refund as well. This should be an open close case in my favor. During all the time on hold, paypal 's waiting commercials kept reminding me that they guarantee protection for 100 % refunds as well, but they keep denying my simple and straight forward case, seemingly without even looking at the glaring evidence. 

So how am I supposed to hold anyone accountable/be sure that anyone will do anything?
Consumer complaint received 2019-06-28
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. (PA)

After sending information to verify myself with my disputes ( XX/XX/2019 & XX/XX/2019 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX not mine XXXX/XXXX   XXXX not mine XXXX XXXX  XXXX {$270.00} not mine XXXX XXXX XXXX   XXXX {$360.00} not mine XXXX XXXX {$330.00} not mine
Consumer complaint received 2019-06-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (OK)

I took out a {$900.00} loan to pay the IRS to stop them from taking the next step toward collection. What I was not expecting was it costing men {$3600.00} for that loan amount. When I called thinking the loan should be paid off I was informed that I get charged DAILY interest. They do identify themselves as a XXXX tribe under XXXX XXXX in Montana. This is outright fraud. No loan should cost you triple of the amount you borrow. I have made 3 payments of {$400.00} which totals {$1200.00}. They take it directly from my banking account. I am going to stop payment for the next one.
Consumer complaint received 2019-06-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TN)

Hello I have included attachment of my id and proof of address, the credit bureaus seems to have improper accounts and information reporting and I am asking that these items be removed. This is a violation of the FCRA EQUIFAX : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ) THESE ACCOUNTS HAVE NOT BEEN PROPERLY INVESTIGATED AND I HAVE CALLED AND DISPUTED THESE ITEMS BEFORE. 

XXXX : Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TN XXXX Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TN XXXX THESE ACCOUNTS HAVE NOT BEEN PROPERLY INVESTIGATED AND I HAVE CALLED AND DISPUTED THESE ITEMS BEFORE. 

XXXX : Previous Address ( es ) : XXXX XXXX XXXX XXXX, TN XXXX, Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Account Number : XXXX THESE ACCOUNTS HAVE NOT BEEN PROPERLY INVESTIGATED AND I HAVE CALLED AND DISPUTED THESE ITEMS BEFORE.
Consumer complaint received 2019-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CT)

On XX/XX/2019 I authorized a {$25.00} payment from a checking account, during the payment process I accidentally used the incorrect checking account which issued a payment bounce back. Flagging my account, according to the agent I spoke with, XXXX ( Emp ID XXXX ), as a 'sensitive account '. Therefor when I make a payment it is no longer credited and posted to my account and in my available funds like it ALWAYS has been. When Speaking to XXXX she was unable to provide me with anyone I could speak to about lifting the 'sensitive account ' status, she was also unable to provide me with a duration of time as to how long my account would be a 'sensitive account ' and when 'good faith payments ' would be immediately accredited to my available funds. It is unacceptable to withhold this information from clients and unacceptable to tell clients they can not talk to an authorized employee that can help with this scenario. It is unacceptable for any company to tell a client that they will not provide them with any information at all. Simple put this is appealing and Citi bank should be disgusted with this company polocy.
Consumer complaint received 2019-03-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (FL)

ERC collection agency removed a debt from XXXX XXXX XXXX and then reported it again as new. The 7 years would be this year and it would have automatically been removed. Now it started all over. XXXX XXXX XXXX said they didn't receive their equipment but I mailed it back and I was told by a customer service rep that this happens all the time.