davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

I made a payment through Fifth Third Bank 's online system on XX/XX/2020 for {$1300.00}, of which, {$37.00} was for principal curtailment, and {$1300.00} was to post for the XX/XX/2020 monthly mortgage payment. 
As the payment was made in XX/XX/2020, and the XX/XX/2020 monthly payment was not yet due, I have requested that the company apply the {$37.00} to principal curtailment first, so that the interest for the XX/XX/2020 payment will be calculated correctly. As interest is paid in arrears, this means that the balance at the end of XX/XX/2020 should be used to calculate the interest amount due for the XX/XX/2020 monthly payment. 
When Fifth Third received the payment, they first applied the XX/XX/2020 payment, then reduced the principal balance, which means that interest was calculated on a higher amount in error. 
I called and asked them to fix this. I spoke to 2 associates and 2 supervisors, who advised me that what I requested was not possible. I advised them that not to do so would be a breach of RESPA guidelines, and asked that they put a request in to their payment area. 
I then received a call to again advise me how the payment had posted, not that they would correct it. I left a voice mail message asking that they just reverse off the payments from XX/XX/2020, apply the principal curtailment, and then following that, post the XX/XX/2020 monthly payment. To which, I received a return voice mail asking how I made my payment, one check or two, for the amounts, and check numbers as well. 
This is very disturbing as a financial institution this large should have associates that can view loan history, and be able to determine that the payment was made through their own system, so there is no check number, and the amount of the payment. This institution should also be aware of how interest is calculated and that as the XX/XX/2020 payment was not yet contractually due, any funds received prior to that date, can and should be applied prior to my interest calculation for a payment not yet due. 
I am asking for your assistance and intervention as I have spoken with a number of their associates who are not able to assist with a simple request. 
I even stated that if their system is not capable of such a reversal and reapplication, which would be appalling, then they could just take a corporate loss and credit my principal balance with the overpayment of interest. Neither of my requests has been completed to date, and I would like this rectified prior to my next payment being due.
Consumer complaint received 2020-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (CO)

I discovered a new derogatory mark made on the XXXX of XX/XX/2020 on my credit report from some I do not recognize. 
it says opened XX/XX/2020, today XX/XX/2020 I disputed it with the company, the debt is for {$2200.00} the creditor says XXXX XXXX  01 Synchrony Bank Home Design XXXX. 
the account status, on the XXXX XXXX site, has changed since I disputed it.
Consumer complaint received 2020-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MN)

I need help with my Federal Student Loan Servicer. They are not correctly applying my payments towards my PSLF. I've been in repayment since 2015 on IBR and REPAYE and working for a non-profit educational institution. I sent them two PSLF documents verifying my employment, and they are claiming I only made 15 payments over a 5 year history. It's been so frustrating they I've resorted to unprofessional means of sending multiple emails a day, angry in tone and admittedly with foul language. I also submitted a request for a legal last name change that they never responded to or updated my account. I'm ready to just default at this point. What is the use of working in public service and watching your debt just grow and grow and grow. It's almost as though they are intentionally NOT processing these applications. I have done everything asked of me.
Consumer complaint received 2020-02-14
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

UNDER FDCPA SECTION 807 ( 8 ) BANK OF AMERICA , NATIONAL ASSOCIATION REPRESENTED BY XXXX XXXX ( SENIOR RESOLUTION AGENT IN NORTH CAROLINA. ) HAVE FAILED TO REPORT A DISPUTED DEBT TO THE CREDIT BUREUS, YET CONTINUE TO HAVE AN UNJUSTIFIABLE LIEN ON MY PROPERTY XXXX XXXX XXXX, XXXX, PA XXXX.
Consumer complaint received 2020-02-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (IL)

On XX/XX/2020 at approximately XXXX on I initiated an online wire transfer from Ally Bank. The initial scheduled transfer date was XX/XX/2020 ; the amount of {$73000.00} was to be transferred for my home purchase closing on that date. To guarantee that the funds would be available on XX/XX/2020 I decided to change the date of the transfer to XX/XX/2020. The online system did not confirm any wire transfer and this meant I was not able to make any adjustments to the wire transfer. 
I called Ally Bank within 5 minutes of my online request and changed the wire transfer date to XX/XX/2020. 
By the end of business on XX/XX/2020 the wire transfer still had not occurred. Though the Ally Bank policy is that a wire transfer initiated by XXXX XXXX  will process that day ( I initiated the transfer on XX/XX/2020 before XXXX ). 
As of XXXX XXXX on XX/XX/2020 the wire transfer still had not occurred, and after multiple phone calls to Ally Bank they still can not confirm when the transfer will be completed. 
Because of Ally Bank 's failure to provide their service as advertised I have now lost a day of work and my closing is in jeopardy. 
I would not recommend anyone use Ally bank for any advanced banking products. 

Thank you, XXXX XXXX
Consumer complaint received 2020-02-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (TX)

I have accepted a settlement agreement with Conn 's XXXX XXXX I have made payments on time as agreed. According to settlement letter ( I am attaching ). I have had several problems with XXXX including trying to collect the wrong amount from my account. -- This happened multiple times. 
I asked instead of making a draft on my account could we delete the future payments and I would call to make the payment each time. I was NOT told this would void the settlement offer in any way. The WRITTEN offer says NOTHING about requiring the payments to be automatically debited. 
Today I called to make an EARLY payment of {$53.00} to my account. The customer service rep. TOOK my payment it was TAKEN OUT of my account right away. 
I was then informed that the settlement agreement was no longer in place per a SUPERVISOR who noted my account ( noted that because I deleted the automatic draft the agreemtn was no longer in place ). 

I asked to speak to a supervisor who finally found the WRITTEN agreement that was sent to me ( although it took an act of Congress for them to send it to me ). 

This supervisor said she would have a settlement letter sent to me but I don't trust anything this company has to say. I want to make sure this is resolved per our WRITTEN agreement. I have done EVERYTHING as AGREED. 

Finally, I don't appreciate the curt and crass tone of the supervisor today. She wanted to treat me like a child and FINALLY agreed to look at the documentation but not before telling me how many things she " can't '' do and asking me if I have documentation YES, I have documentation and I have made all payments on or before the agreed time. 

This is more than poor customer service it leaves a frustrated customer with no recourse. I have complained to the Texas Attorney General. To remove the agreement after a customer has followed the agreement to the letter is not just poor customer service it is against the Texas Deceptive Trade Practices act and amounts to fraud on a customer.
Consumer complaint received 2020-02-14
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. (AZ)

I sold my House at XXXX XXXX XXXX XXXX AZ XXXX XX/XX/2019 ; the Mortgage company was XXXX XXXX XXXX XXXX and the Title company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX . The Title company paid the loan by wire as listed in the written payoff demand but the XXXX mortgage company returned the wire and charged mortgage for the month of XXXX, XXXX, XXXX and XX/XX/2019 despite receiving the settlement several time back from XXXX XXXX XXXX. Please refer to the attached documents reflecting all communications between XXXX mortgage and XXXX XXXX XXXX XXXX. Finally on XX/XX/2019 XXXX mortgage listed the Mortgage as fully paid in XX/XX/2019 but the past due reports for the months of XXXX, XXXX, XXXX and XX/XX/2019 remain in my credit report and despite several letters to XXXX and calls the negative reports still remain in my credit with the 3 reporting agencies, Equifax, XX/XX/XXXX. I have mortgage application and car purchases denied due to the credit score being lowered to the 500, s from the 700, s .Negative reports from XXXX must be deleted with the 3 credit agencies but XXXX refuse to take action.
Consumer complaint received 2020-02-14
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: DISCOVER BANK (NY)

Complaint against Discover card account number ending in XXXX For Inquiries XXXX XXXX XXXX, XXXX XXXX XXXX UTXXXX I have been an excellent client of Discover card for over 20 years. I never missed a payment in my history not only with Discover but with all the other credit cards. I purchased XXXX for XXXX XXXX XXXX In XXXX CA account # XXXX for {$100.00} on XX/XX/2019. The services offered by XXXX TV was not reliable and I called to cancel the order immediately. discover issued a credit of the same amount on XX/XX/2019, took the credit back on XX/XX/2019 and on XX/XX/XXXX onwards started charging penalty of various amounts still as of this month. I had multiple communication by phone and 6 communications by emails. But the irresponsible behavior of Discover and unaccountability of XXXX XXXX ignored all of my emails, never responded to me continuing to charge me late fees and are continuing to report it to the credit reporting agencies. My excellent credit history with a top credit score has been dropped from XXXX to XXXX. Discover and XXXX XXXX has violated all rights under the fair credit act fair credit reporting Act. I hereby request the respected FCFB to investigate this matter and help me to have them issue credit for all late charges and take all corrective actions, penalties to correct any related errors in my credit history. 

Attachment communications with Discover discover statements from XX/XX/XXXX copies of the credit reports
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This account was opened XX/XX/year> There are over a year of payments not accounted for that are all positive. Payment history is different on all three credit reporting companies. Per Fair Debt Collection Practices Act, Pennsylvania Fair Debt collection Practices, Fair Credit Extension Uniformity Act. 
It is the responsibility of the Credit reporting companies to report accurate and correct information. 
There is also a balance listed but this account was settled I have attached copies of my credit reports for all companies. Please correct or delete this account.
Consumer complaint received 2020-02-05
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX {$4000.00} worth of fraudulent charges were made at XXXX XXXX and XXXX XXXX stores with my Chase credit card. 
On XX/XX/XXXX upon discovering the charges on my statement I called Chase to report the charges and communicated I did not know where my card was. The account was closed and Chase sent a new card. 
On XX/XX/XXXX Chase mailed a letter stating that I was responsible for the fraudulent transactions. 
I called to inquire and submitted the claim for a review. 
On XX/XX/XXXX Chase mailed another letter stating that the transactions were still valid and I would be responsible for them. 
On XX/XX/XXXX I filed a police report after Chase asked whether I had filed one. I submitted the claim for 2 more reviews and on XX/XX/XXXX and XX/XX/XXXX Chase mailed letters stating the transactions were still valid and I would be responsible for them.
Consumer complaint received 2020-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (OK)

We were in the process of paying off our mortgage with Quicken Loans. We looked on the website to attempt ordering a payoff quote or identifying the wire instructions, but they don't make them available to the customer. Now I understand why, we called and as soon as that payoff was ordered, we were assessed a {$25.00} fee for ordering a payoff, not to fax it or email or send it overnight ... Quicken charges all their customers {$25.00} for just ordering a payoff statement. Their practices seem very deceptive and unfair to the customers, as they don't provide info on their website, but force their customers to call in and charge the fee. 

We have attempted to resolve the issue with Quicken, but they are refusing to refund us this unreasonable fee.
Consumer complaint received 2020-02-14
Product: Credit card or prepaid card — Store credit 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 (PA)

Creditor was notified on XX/XX/XXXX in writing that a {$60.00} store credit for a purchase was not reflected on statement issued for close date XX/XX/XXXX and thereby the total balance due was in dispute. Creditor issued a partial credit of {$69.00} as reflected on statement issued for close date XX/XX/XXXX in lieu of {$98.00}, the total amount creditable inclusive of the interest and fees charged during the resolution process. Creditor did not provide written or verbal explanation for not crediting the full amount due {$98.00} as required. Creditor made clear that it does not intend to credit the remaining interest/fees of {$29.00} when it resumed charging interest on that remainder after making partial correction and refused to respond to subsequent written notices ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), to questions when contacted by phone, and to messages submitted online. 
As of statement close date XX/XX/XXXX, creditor has charged an additional {$17.00} on the {$29.00} amount that was excluded from the credit adjustment calculation for a current total of {$47.00} in interest and fees that I have no obligation to pay as I understand current law. Last written communication dated XX/XX/XXXX again reminded creditor of its legal obligation to address. Note, purchases are typically paid in full by the date due to avoid interest.
Consumer complaint received 2020-01-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have never opened an account with this company, have no knowledge of who they are and have never signed anything with them yet they are reporting information on my credit report. 

Portfolio Recovery A Date opened : XX/XX/2017 Balance {$880.00}
Consumer complaint received 2020-02-14
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (WV)

I am existing customer with XXXX XXXX XXXX. I called and asked if they could give me 0 % balance transfer from a XXXX XXXX. They said I would need to apply for a new card. I did and was approved for Card # 2 for {$5000.00}. I called a week later to give them the account I wanted to pat off ( XXXX ). Then then told me they could waive the 3 % fee if I got yet another card ( # 3 ) They said they would blend the 2 new cards into one. Today, I received a notice that I was denied credit on Card # 3, my credit score was lowered 30  points, and if I had a problem I should contact Experian. Experian only has automated calls with 2 options : get a report or get a score. I called XXXX back and have been sent through 4 people. One told me I shouldnt have opened cards # 2 and # 3, which they  recommended. 
I want my credit restored.
Consumer complaint received 2020-02-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I have had a checking and savings account with Citizens bank for several years. I have a Green checking account, and have always kept {$2000.00} in the account. Citizens bank changed the account sometime in XXXX, and never sent me any notification by mail, They just started charging me a fee of {$9.00} each month. I called customer service, and they said that they mailed me a notification in XXXX. I asked when in XXXX because I never received any disclosure or notification. The agent could not tell me the date. I work for a XXXX, so I know that this documentation is readily available. The agent, then said she could remove 2 of the service fees. I said that this was unacceptable, and requested to speak to a manager. I spoke to the manager, who then said that the notification was on my estatement on page 2. I explained that I've never seen this before. She tells me that there is nothing that she can do. I told her that changes to an account should be mailed even if a customer has estatements. I advised that I would be contacting the CFPB because this is an unfair practice. I am making deposits to the savings account every 2 weeks, and I could have easily deposited a portion of those funds to the checking account.week. I just want my funds returned to my account.
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX has reported me as late on XX/XX/2019 when my state was in a declared state of emergency due to hurricane Dorian in the state of Florida and as such I believe the account should not have been reported late being that we are in a state of emergency and I was unable to make the payment and XXXX XXXX was explained that information
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX  has reported me as late on XX/XX/2019 when my state was in a declared state of emergency due to hurricane Dorian in the state of Florida and as such I believe the account should not have been reported late being that we are in a state of emergency and I was unable to make the payment and XXXX XXXX  was explained that information
Consumer complaint received 2020-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

I recently acquired a copy of my credit report 's reason why I found out about this alleged debt with COLLBUREAU. I pay my bills directly to XXXX XXXX so I don't understand why COLLBUREAU is collecting {$900.00} from me. I do not owe COLLBUREAU any amount and this account should be removed from my credit report. I would like to request for validation of this debt. They need to verify first if balance is valid before they collect money from the customer or if the customer still owes anything from the creditor. Any collection agency should be very careful about putting debt or negative remarks on the customer 's credit report that causing financial and reputation harm.
Consumer complaint received 2020-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (PA)

Issue : Electronic Payment from XXXX XXXX XXXX to M & T Bank is not credited by M & T Bank after 10 days. 
Description : A payment of {$10000.00} was made from my personal Checking Account with XXXX XXXX XXXX  of NJ to my personal Checking Account with M & T Bank. Payment originated from XXXX XXXX XXXX  and set as " Electronic payment ''. 
Payment Date : XX/XX/2020 Amount : {$10000.00} XXXX XXXX XXXX did originate the payment and did provide written " Proof of Payment Transmission for Payment ID XXXX ''. It clearly states all relevant payment details, including M & T bank Checking Account number where the payment was supposed to be credited, amount, my full name, date and time when payment was transmitted. 

This is not first time when this type of payment was made from/to above mentioned accounts and I had no problems before. 

After 6 days, I did not see the credit in my checking account at M & T Bank ( accessed through M & T Web account ) Monday XX/XX/2020 I did contact local M & T Bank Branch in XXXX PA. I was advised to call M & T XXXX number. 
I spoke to following Customer Service persons : XXXX XXXX XXXX, XXXX and finally connected to XXXX that I was told is a Supervisor. 
XXXX did confirm that information provided are correct, other previous identical transactions were processed without problem. The most recent identical transaction was processed on XX/XX/2020 for the amount of {$500.00}. 
XXXX mentioned that is unable to provide an explanation as to why the latest transaction of {$10000.00} is not properly processed. 
She mentioned that an Investigation will be initiated and she will call me no later then Wednesday XX/XX/2020 with a resolution to my issue. 
As of today XX/XX/2020 XXXX I have not heard from XXXX XXXX 
I made a call to above mentioned XXXX number and insisted to talk to XXXX. This time XXXX took the call and I was asked numerous questions not only directly related to identify myself and my Account but also questions that I was never asked before by any bank, including M & T bank. Like : Who are you employed with? What country are you citizen of?. To me looks like my accent played a role in triggering additional questions. 

When I objected to unnecessary and annoying questions finally was was put on hold and after a while I was told that my issue was not resolved, XXXX goes into a meeting and I will be called by XXXX when the issue will be resolved. 
I took the answer as : We will take care of you, the customer, whenever we get to it. 

The {$10000.00} was intended to pay a Home Equity line of Credit that I have with M & T Bank. 
The M & T bank sits on my monies for 10 days or so, while I am charged interest on my Home Equity Line of Credit. All of this white I wonder what happened to {$10000.00} This doesn't look right to me