davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-27
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (IL)

I worked with US Bank to secure financing for a condo XXXX. I worked with XXXX XXXX at US Bank to get information on my loan. Initially, I was informed that I had sufficient information. Once I started working with Loan Processor XXXX XXXX XXXX, it all went down hill. Due to US Banks extremely high closing costs, I reached out to XXXX to update the amount of my down payment, so I could free up cash for closing cost. XXXX informed me this was ok. Feel confident and getting reassurance from US Bank , I proceeded with the loan. However, things started feeling odd. For example, XXXX was persistent that I pay for an appraisal BEFORE their 'internal ' condo approval board even said that the place was ok to extend lending. I was able to catch this and refused, saying we needed to wait for US Bank to approve the condo 's XXXX financials. XXXX was extremely pushy and said that we would not make the closing date if I did not pay for the appraisal. I said that was fine and worked with the sellers. 

At this point, XXXX informs me that they need to run my credit again under my married name. So they do a hard hit not once, but twice because she could not do her job right to begin with. 

What is the worst part is that after I had written confirmation from XXXX that $ XXXX down payment would be fine for the loan, US Bank called to request that I pay an application fee. After I paid the {$390.00} application fee, US Bank informed me that I needed to come up with $ XXXX more for closing. At this point I am completely dumbfounded. Not only do I never get complete answers from US Bank, they systematically lied to me throughout the entire process. If I would not have caught the appraisal that XXXX XXXX was pushing on me, I would be out close to {$900.00}. Instead, I am out {$390.00} that was charged to my US Bank credit card ( so much for loyalty, right!? ) Needless to say, I was I have loan approval through another lender and I am closing on my place on XXXX, with a lower interest rate. I was able to easily secure financing without the incompetence of XXXX XXXX and the rest of the people at US Bank. It was complete night and day between my new lender and US Bank as far as keeping me informed and making sure I understood the process and what I was paying for. US Bank made it clear that they just wanted my money-so enjoy the {$390.00} application fee you should have never accepted US Bank. Needless to say, I will be closing all my accounts soon.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Consumer Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Social Security Number : XXXX Contents of Complaint : This complaint is being filed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) to request that XXXX, the credit reporting agency, block the information on my consumer credit report that is the result of identity theft and fraud. I expect this action to be taken within XXXX business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes : Please delete and block the following negative items on my credit report : a XXXX XXXX  account ( account number XXXX ) with a balance of {$18000.00} opened on XX/XX/XXXX, XXXX  XXXX XXXX account ( account number XXXX  ) with a balance of {$1700.00} opened on XX/XX/XXXX.
Consumer complaint received 2021-02-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC (FL)

Letter sent to the lender ; Dear Lender, It has come to my attention that payday/ lending are illegal in my state. Therefore, the loan contract that I have with you, according to my state 's laws, is not enforceable. Although I am not required to do so, I am willing and have repaid the principal balance of the loan. I have been in contact with the XXXX XXXXXXXX  XXXX XXXX XXXX XXXX and they have verified that your company is not governmentally regulated and is not valid to uphold. 

I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Pre-authorized transfers. I have closed my account with XXXX to protect my interest in this matter, per instructions from The State of Florida XXXX  XXXX XXXX. I also revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected. 

I demand that any contact be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General 's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan. 

I must also inform you that I will be filing complaints with the XXXX XXXX XXXX, the Federal Trade Commission, and Florida Attorney General 's Office. 
I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted. 

Sincerely, CC : Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I have had a checking account with Bank of America since XX/XX/XXXX. XX/XX/XXXX, they changed the terms of service and began charging a $ XXXX monthly fee, which was contrary to the promises a customer service representative had made about terms of service in the ( very recent ) past as the terms had changed only a few years before and I had discussed this with a banker in the branch. I never received notification of the XX/XX/XXXX change, and they never attempted to receive an acknowledgement or confirmation from me. After complaining, I did, however, receive a refund for three months of fees, but they still have five months of fees ( {$60.00} ) that have not been refunded.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc (VA)

I had an account opened with Chime in XXXX, but due to someone committing fraud with my bank account, Chime closed my account without my consent and refuses to let me open another one. In XXXX and XXXX, Ive called Chime customer service multiple times and theyve sent me the same link multiple times to complete steps and I complete those steps with the promise that I would receive a response and NEVER do! I no longer have access to the previous account that was connected to Chime. I have a new job and a new bank account so I wanted to try Chime again because I heard of the many benefits!!! Every time I try to talk to someone, they keep giving me the runaround
Consumer complaint received 2015-08-22
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (TX)

I am beyond disappointed with the service I received while attempting to use my Macy ; 's credit card to play an order on Macys.com. I tried placing the order, but the website kept saying that my card was declined. I knew this must be a mistake as I have not missed any payments and have a {$0.00} balance. I called the customer service number that displayed, and was informed my card had been deactivated for not having been used in awhile. I was surprised to find that this occurred without any notice to me! She stated she could have it reactivated, and I asked her to do so. However, she came back on the line and informed me that due to a system upgrade, I could not use my credit card until this coming Tuesday. I was taken aback that such a mature company as Macys would take several days for a system upgrade! In this day and age, there should be no reason that a customer 's credit account would have to be deactivated for such a long period due to a technology update. ESPECIALLY without notice to the customer. 
However, I understand that such things are beyond my or the agent 's control, so I simply asked her to guarantee that when I place the order on Tuesday I will be granted the same sale price and 15 % off offer that I would receive today if the order were placed. She could not promise me this and said I would lose the pricing. With the current sale and promotion, I would be saving over {$600.00}! It is unacceptable that I would lose this price due to a system update and no fault of my own. 
I then asked to speak to a supervisor. I was placed on hold for 10 minutes, and ultimately the call was answered by another agent who was not a supervisor. She had to transfer me to XXXX, a supervisor with ID number XXXX, who could not help me. She kept talking over me and acting as if I were unreasonable in my simple request to have her guarantee the pricing. When she said she could not promise this, I asked to speak to someone above her. She said there is no one above her that I can talk to. She also said she can not make any notes in my file because my order is not yet placed. Again, this is absurd considering I have been a Macy 's customer and credit account holder for many years. I can not believe that not only did XXXX not have a supervisor I could speak to, but that in this day and age, Macys does not have the technology for her to notate my account. 
I would like to mention that the reason my account was XXXX was because I rarely ever shop at Macy 's anymore. The reason is that I have been displeased with the service and find XXXX to be a much better company. However, I was intrigued by the sale on the bedding items, and decided to give it another chance. It seems that this may have been a mistake.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-08-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Wife opened an individual checking account with Bank of America ... ..Several weeks later we opened a joint checking account with them as well ... ... Check was presented in joint account that was returned for insufficient funds ... ... We corrected the issue and placed cash in the account to cover the same ... ... ..We received an alert from Bank of America to contact and to resolve the issue ... .We did so accordingly early that morning ... ..Later that afternoon, we went to the ATM to get money out ... ... Unable to do same and needed to call the Risk Closure center ... ..We called them and they said that they will need to close the account due to " fraudulent activity '' ... Make me understand where placing money in your account is fraud ... ... They refused to keep the account open ... ..To make matters worse, my wife 's individual account had been used by her on multiple occasions ... ... Bank of America closed her account as well ... ..That was insulting to us that a small mistake that we resolved cost us full closure of our accounts ... .They treated us like we were criminals and did not try to assist us ... ... Why send the alert to resolve it and then close the account afterwards ... ..To make matters worse, we still have money in the accounts that we can not access because they will be sending it to us in the form of cashier 's checks ... ... .Went to the local branch to try to resolve it ... ..System stated that they could not reopen account all the way up to branch manager ... ... A bad way to treat a potential customer ... ..I understand about the accounts being new but to close both accounts was a little ridiculous to me ... ... My wife was fuming about the whole situation because she deposited money into her account and there was no issues with it ... ... ..We have been basically banned from Bank of America for a minor mistake that was resolved in less than XXXX hours once it occurred ... ... ..
Consumer complaint received 2017-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CT)

I have contacted this company to validate this account. I want this removed from my XXXX  credit report immediately as I have never done business with XXXX XXXX XXXX. I do n't owe them any money.
Consumer complaint received 2024-09-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

They contacted me a couple months ago in regards to a debt they are trying to collect on. I asked for information validating the debt be sent to me. Have not received any information, but they continue to call me almost on a daily basis at all hours of the day, to include calling around XXXX.
Consumer complaint received 2017-03-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (PA)

We were having financial issues, due to a XXXX, and asked our bank to look into a XXXX modification. We were turned down for a XXXX but qualified for a HAMP modification. The bank then sent us paperwork for the HAMP modification. Our payments had gone up by over {$400.00} a month so we told them we did n't want to do it. We tried to make a monthly payment and were forced to pay the higher payment listed on the modification even though we never signed anything. We were also forced into now having an escrow account even though we never had one before. We paid 3 payments of almost {$1700.00} a month. Our relationship manager assured us that after these three payments we would be up to date and everything would go back to the way it was. Long story short, they are now making up the payments as they go. They have not applied the large payments to the mortgage properly and are now saying we owe them over {$5000.00} and we are behind on our mortgage. We did n't sign anything and we are very unhappy with the treatment we are getting from our bank. We feel like they are forcing us out of our home that we built and they are causing us to lose our credit rating as well. We do n't know what to do to correct this problem. Every month when I try to make a payment the amount is different, there is no consistency to anything with this company. We have written, called, and gone online many times to try to resolve these issues to no avail. We feel as if we are just banging our heads against a wall. You can never talk to the same person twice, they all tell you different things, and they do n't get back to you when you write or call or email. We have been belittled, sworn at, and hung up on. This is not the way to solve issues with your customers.
Consumer complaint received 2015-08-20
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (NH)

I contacted the collection agency on multiple occasions via returned receipt regarding verification of debt. The collection ignored my requests to verify this debt. I also sent CRA certified letter requesting the same. CRA response was that they verified. I have never received any verification from this agency and request that it be removed from credit report. They never validated debt to me and are in violation of FDCPA and continue to report on the debt.
Consumer complaint received 2015-08-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (GA)

It has been XXXX nightmarish episode after another with bbva compass bank. This bank organization seem much more interested in find a way to levy hefty and generous fees and giving away my money, than any thing else! It was XXXX consumer episode after another. I have been completely unhappy and felt abused in dealing with this organization. I plan on filing complaints with my congressional representatives and whatever federal agency I can find. This organization wants to engross themselves on the backs of the hapless and poor. Which I feel is very discriminatory in nature. Having money in accounts with this organization has been like putting gas into a car while it has holes is the gas tank. I will also be looking into hiring a legal firm to look into these business practices at this banking organization. There are probably a lot more small accounts that are suffering a the hands of this bank. I feel that this bank operates in bad faith and has been gross negligent with my account!
Consumer complaint received 2016-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (NC)

This is an ongoing issue. My wife and I did a Deed In Lieu with Seterus XX/XX/XXXX. They incorrectly reported the dates that we missed payments. We filed a complaint with the CFPB after disputing it with the XXXX, XXXX, and XXXX failed to correct it. Seterus corrected the issue and then incorrectly reported that we missed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They have denied doing this. We filed a new complaint regarding the incorrect reporting ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) and Seterus responded to the CFPB that they would correct the reports to no longer show us late in XXXX. I appreciate that, but it does not address the issue that we are showing late for XX/XX/XXXX. 
Our original loan with Seterus was closed XX/XX/XXXX when we refinanced. They issued a refund from the escrow on that account in the amount of ~ {$500.00} that we did not discover until XX/XX/XXXX. It was not given to the state, nor did we ever receive it. They consistently refer to the new loan when we bring it up or tell us to prove that we did not cash the check. It has been researched numerous times and promises to send the refund have resulted in nothing.
Consumer complaint received 2017-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (WV)

I was awarded the TEACH Grant while obtaining my XXXX in education from XXXX. The grant is worth {$8000.00}. Due to the TEACH Grant people saying they did n't receive the paperwork I filled out, which I have copies of. My grant was converted to a loan, serviced by FedLoan Servicing. I have been trying for XXXX years to get the grant converted back into a loan, but I am always given the same response that if my agreement to serve is not fulfilled, the grant converts to a loan. 
My tax refund has been garnished, and now my wages are being garnished. This is causing financial strain on my family, and stress on my marriage. I am still trying to figure out what the next steps are to have this loan converted back into the grant.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-09-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NJ)

My mother passed away XX/XX/XXXX, my sister and I are the executors of her will. We went to her bank wells Fargo to open an estate account. They helped us with the account. Then we were served papers from a lawyer saying we took my mothers assets and put them into a private account. Wells Fargo opened a Way 2 Save Account not an estate account. My sister and I went to a different branch of the bank explained to what they did and they helped us. We had so many bad experiences within the last 2 years with Wells Fargo.
Consumer complaint received 2017-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CT)

I am a identify theft victim, & my information was Exposed in a data breach with my current employer in XXXX 2017.  XXXX, Experian & XXXX. I sent & faxed Bankruptcy removal letters & credit inquire letters to along with the police report to support this. & they still refusing to remove these things off my credit reports.
Consumer complaint received 2015-08-22
Product: Other financial service — Credit repair
Issue: Fraud or scam — 
Company: S Foreman & Associates Inc (MD)

In XXXX of 2015 I contacted XXXX XXXX from S. Foreman & Associates about Credit repair, I paid her {$100.00} a month for 6 months and has seen no results on my credit report, I emailed her on Thursday, XXXX XXXX, 2015 to let her know that I no longer need her services and to refund me my money with in 10 days or I was going to report her to the FTC and the Consumer Financial Protection Bureau, she send me an email back on XXXX XXXX, 2015 to proceed the way I wish cause no laws have been broken. I called the Commissioner of Financial Regulation to find out if she was licensed and was told that it 's an application pending and that she is not suppose to be doing any type of Credit repair until the license is approved. She has also called XXXX posing as me which I did n't know until she sent me the email telling me she contacted them.