davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-26
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I n   XXXX   I received a promotional mailing from USAA for Balance Transfer. The fee for the transfer was supposed to be a maximum of {$75.00} I filled out their promotional check, but my local bank would not accept it without a 21 day hold on the funds. I contacted USAA and told them of the problem. They suggested I use my credit card and just take out the advance that way. What they did NOT disclose was that the {$75.00} maximum fee did not apply if the " convenience '' check was not used. So, they nailed me with a {$600.00} " Cash Advance Fee ''. Additionally, they have charged me the standard " Cash Advance '' interest rate instead of the promotional 1.99 % for 12 month rate. I have called several times over the past three months trying to get this resolved. Each time I have explained the situation to the Customer Service rep, who said they could not help me and then forwarded me to his/her Supervisor. After repeating the story to the Supervisor, he/she said she could not help me and forwarded me on to the vaunted " Executive Resolution Team ''. After explaining the situation again, each of the three Executive Resolution Team members I spoke to over the course of the three months said they would review the tapes / transcripts of my original calls and get back to me within a week. I have NEVER received a callback. I demand a refund of the {$600.00} and all interest charges associated with this balance transfer and a n adjustment of the rate to the promotional 1.9 %.
Consumer complaint received 2016-07-21
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

I have tried at least 3 times to get a HARP refinance with lender. Each time they allege they have not received my paperwork. I have faxed, mailed and even scan and uploaded the documents. I believe this is a tactic this company uses to keep these predatory loan. in almost 10 years I have not even paid off {$5000.00} in the principal amount. All I am paying is interest. I need to get a re-structured loan as my income has declined due to health reason.
Consumer complaint received 2017-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (HI)

RE : XXXX XXXX Business Master Card not returning my money A few days prior to XX/XX/XXXX, I notified the credit card company that I had incorrectly made payment of {$10000.00} to my closed business account. Unfortunately, I was not able to stop payment with my financial institution. I had provided the information needed to locate this account and was told that the money was not yet received. I also requested that monies to be applied to my personal XXXX XXXX XXXX XXXX, which is where it was intended but was told no. I also updated my address. After no notification by phone or mail, I contacted the company again around XX/XX/XXXX and again on XX/XX/XXXX, was told they received the money and it would take 7-10 business days. It was during the first week of XXXX, when I contacted the company again, was told that the check was sent out on XX/XX/XXXX and told 7-10 business days I would receive the check. On XX/XX/XXXX, I called again and was told the same thing. At this time, I requested interest ( compensation ) in addition to my refund of my overpayment. On XX/XX/XXXX, I asked to speak with a supervisor who gathered information to share with management. Complaint shared again as in prior conversations. Supervisor told me she would be out of the office until XX/XX/XXXX. I called on XX/XX/XXXX, unable to leave a voicemail but left a message for the supervisor that I had called. On XX/XX/XXXX, was told that the supervisor was aware and will callback. On XX/XX/XXXX, I receive a voicemail from the supervisor that a check is in the mail sent on XX/XX/XXXX via regular mail and not XXXX XXXX as I had requested. On XX/XX/XXXX, I called and left message to let the supervisor know I have not received the check. On XX/XX/XXXX, the supervisor calls and I update her that I have not received either checks. Was told that the first check was not cashed, so the company stopped the check. The second check was sent on XX/XX/XXXX or XX/XX/XXXX. I was provided with the company 's address and fax number to send a written statement. Reiterated return my money plus compensation. XX/XX/XXXX I called, reinforced no checks received, offered suggestion and requested repayment with compensation. XX/XX/XXXX I called again, told that the supervisor is another call. Same information provided. Was told supervisor to call, no calls received. Faxed written letter twice to the company. On XX/XX/XXXX, mailed letter to the company. XX/XX/XXXX received a call from the supervisor. Repeated same conversation as prior. No mention of any fax received, and no further resolution offered. XX/XX/XXXX - Filed complaint with CFPB for assistance with resolution
Consumer complaint received 2017-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC. (FL)

On XX/XX/XXXXin a SunTrust Bank branch in Georgia an individual with a checking account one digit different than my own made an over-the-counter withdrawal via a hand-written withdrawal slip. When I was finally aware of the error -- {$1000.00} taken from my account and not the account of the individual making the withdrawal -- I called SunTrust. This was after a number of payments had been returned and fees assessed on my account. Initially, the customer service representative said there was no error. It did not take him very long to correct his statement, dismissing himself for a bit, coming back and saying this was all the result of an error made AT SunTrust. The issue was not then resolves, but remained. Yesterday morning I went into my Local branch and thought we were on the road to resolution. Last night, YET ANOTHER FEE was assessed for a returned payment, as the correction, apparently, had yet to settle into the account. At this point, in addition to the MANY fees placed on my account by SunTrust, I am additionally being assessed charges by the companies I have made payments to and now others I could not make payments to because of the ongoing issues. In 2017, THIS is more than a bit pathetic. It is astounding to me there are no checks and balances in place to ensure this does not happen. I am now beyond frustrated, have gotten nothing done today as I attempt to get the issue completely resolved. I have had to cancel appointments, am behind with customers, etc. I have begun making contacts with attorneys.
Consumer complaint received 2017-08-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (KS)

I 've tried to work with speedy cash, however, due to the high interest rates and inability to pay the exact loan. I switched my bank account to cope with how to pay them on my own terms. Recently have had a call with them saying I can pay in XXXX but got default notice a few days later.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2017-08-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

To whom it may concern, My name is XXXX XXXX and I am writing this letter to explain to you the series of unfortunate events, which caused me to fall behind on my mortgage. My husband and I went through a difficult XXXX and as time passed he was only able to contribute a small amount. Later on, he XXXX XXXX and was not able to contribute at all. At the same time, my daughter XXXX XXXX XXXX was going through her XXXX XXXX  XXXX, and was not able to work and therefore was not able to help me either. Thankfully, my financial situation has gotten better now and I feel a loan modification would help me get back to current and would help me keep my home. I have my mother living with me and my XXXX children and I would like to keep my home. Unfortunately, it 's been XXXX years I have applied for a loan modification with my lender, Select Portfolio Servicing and I keep getting denied for a Loan Modification every time. I feel a part of the denial is because I am of XXXX Descent, because the staff is very rude each time I 've worked with them. Select Portfolio Servicing advised me, the reason for denial is because they could not create an affordable payment. I do n't understand how this is possible if my interest rate is at a 9.69 % right now and I 'm sure they can accommodate my loan if my interest rate drops drastically. In the last couple of months, SPS has offered me a repayment plan with 12 monthly payments at {$2300.00} and a XXXX balloon payment of {$87000.00}. I have appealed this decision and have told SPS many times that this is unrealistic and I can not afford the repayment plan. My usual mortgage payment is {$1100.00} and even if this payment increased a little bit, I can still afford it.
Consumer complaint received 2016-06-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Columbia Recovery Group LLC (CA)

The company that submitted this debt is a new management company that took over a rental unit I was renting. I paid the full amount to the office staff in the crossing at the bay. The company fired the office staff and got a new name and new management and the submitted this collection in error where it was paid in full. I went to the office and spoke to the last office staff XXXX that was still there and she told me not to worry bout it will be removed. It 's not my fault she see the account paid in full. Original amount was XXXX.
Consumer complaint received 2017-08-15
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: Experian Information Solutions Inc. (NC)

Experian continues to list erroneous information on my credit report. This has been happening for years. I have sent Experian copies of every document imaginable that proves to them, they are reporting inaccurate and erroneous information on my credit report. Experian is knowingly and willfully violating the Fair Credit Act and my Consumer Rights. They have been this daily for years. I have been sending them documentation that proves their reporting is wrong, but they will not remove this inaccurate and erroneous information. Experian continues to list an address that I have never lived at. I have sent Experian a huge amount of documents, including utility bills and bank statements and copies of my ID. Showing Experian that I have never lived at this address. ADDRESS : XXXX XXXX XXXX XXXX, XXXX NC XXXX. I have never lived at this address, but Experian will not remove it. Experian is knowingly and willfully violating the Fair Credit Reporting Act. Experian continues to list an erroneous XXXX XXXX account for {$21000.00} on my credit report. I have sent Experian tons of documents over the years, showing them their reporting is flawed and this is an erroneous account. Experian will not remove it. Experian has been violating the Fair Credit Reporting Act daily for years. ACCOUNT : XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX ... ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX. TELEPHONE NUMBER : XXXX.The information listed on the account is full of errors and inaccurate. It is listed with a residential apartment address that is vacant, and the telephone number associated with the account is a non working telephone number. So how is Experian able to verify the alleged account, if the telephone number does n't work, and the alleged business, is not operating out of the vacant residential dwelling? And none of the contact information is valid? Also it shows the account was opened XX/2000. Pass statute of limitations. I know all this are violations of the Fair Credit Reporting Act. I want this inaccurate erroneous address and this erroneous account removed from my credit report. I also want Experian fined, if it is in your power to do so.
Consumer complaint received 2017-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Upon reviewing my credit report noted Capital One Bank USA on my reports for total of {$1600.00}. My total limit was {$1200.00}. I called weeks before these fees incurred to close account and was assured it was closed and my balance was less than {$1000.00}.
If requesting account to be closed why do I have a total much more than my limit?
I 'm requesting this account to be reviewed for accuracy and false reporting and charging of fees.
This report is false in fees and interest, accuracy. I requested this account to close way before the fees and penalties incurred.
Consumer complaint received 2017-08-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MD)

Hello CFPB, I am filing this complaint against Navient due to their negligence to negotiate affordable payments. They have harassed me with phone calls. They even sent me a holiday card saying that my balance was pass due. I have been in communication with them in order to get my loans out of default. Before my loans went into default in XXXX XXXX, 2017. I was trying to negotiate with them to lower the payments. Navient 's service representative told me that I would have to pay at least {$10000.00} in order to make it current. I told them I did not have {$10000.00} to pay. They asked me is there a way I could ask my grandfather who since he was the co-signer. I replied no, because he has XXXX. They said sorry to hear that, is there a way you can take it out of his account or retrieve the money from his 401 k or insurance policy. I told them that was very inconsiderate and no, I could not do that. After that I was told my loans would go into default and my account would go to a 3 party debt collector. A few weeks later, I began receiving called from Navient credit collections department. The first offer was if I pay 10 % down on my initial loan than my balance would decrease and be up to date. Also, I had to pay {$250.00} every month for the next 10years. The  service agent asked if I needed time I said yes. A day later, I kept getting random calls from different service agents. The only reason how I knew it was them calling because of the different voicemails I received when I got out of my meeting. I called Navient back last Thursday, XXXX XXXX,2017 in order to negotiate my loans being in default. They said that I could try to take out a PERSON LOAN from the following : XXXX, XXXX, XXXX XXXX, XXXX XXXX. I applied for all of the loans and got denied. The agent told me that I did it wrong, I was supposed to fill it out for a PERSONAL LOAN. I rechecked my accounts for the personal loans, the only loan I applied for incorrectly, were the loans for XXXX. Since XXXX already denied me a loan, they would n't give me the option of a loan. I told Navient 's customer service agent that I did not have a co-signer but I can pay the $ XXXX month. She told me that due to my account being pass due and it is being a private loan, they could do whatever they can charge whatever they wanted. I told her I am not getting approved for a loan due to my student loans being in default. They did n't care at all nor try to negotiate. I told her I dont have it and that I would be consulting a lawyerIn order to resolve this issues.
Consumer complaint received 2016-08-04
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (VA)

1 ) Do not frequently send out bill. 
2 ) Receive payment but do not cash it on time ( lie about the payment loss by mail ) in order to charge late fee. 
3 ) Rude customer services. 
4 ) Account receivable could not be coordinated ( charge XXXX payments in one month ).
Consumer complaint received 2017-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Since XX/XX/XXXX, Midland Funding has been reporting an account to the major credit bureaus it says it purchased from XXXX as delinquent and in collection. I do n't believe this is something I owe. It does n't state what kind of XXXX account they claim was delinquent, and I 'm aware XXXX has hundreds of different of credit card accounts it underwrites. I wrote to dispute the debt about 9 months ago, to the address Midland reported as theirs on the report they made to XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, but it came back to me as " return to sender '' and that it was not actually their address. It 's nuts that a company ca n't even report its own address correctly to a credit bureau. On top of that, the balance on this closed and sold account keeps increasing. It was {$1400.00} when it was reported in XXXX, and yet {$1500.00} as of XX/XX/XXXX. My understanding is that once an account is charged-off ( as this one apparently is ) then interest no longer accrues. How does a closed account continue to get charged? How is Midland Funding allowed to continue reporting on an account that may not be even mine.
Consumer complaint received 2017-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (WA)

southwest credit system, L.P. has been contacting me to collect a debt from the original creditor XXXX, this is a fraudulent account i have never had a XXXX account i have disputed this twice, the first time they say the account came back as mines but did n't report me any proof of the validation of this account, i then disputed a second time only to receive a negative on the dispute status, i never signed a contract with XXXX, and i never signed anything to pay southwest credit system debt
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BROKER SOLUTIONS, INC. (CA)

I called and spoke with a representative about the promotion, asked to not have my credit pulled and was told there would be no hard pull on my credit, and indeed they did pull my credit, without authorization. Called the company directly to dispute and they said that I gave verbal authorization, I asked for proof of agreement and they had none, yet they refused to remove the hard inquiry.
Consumer complaint received 2017-08-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CO)

Quicken Loans on multiple occasions mislead me about total closing costs. On XX/XX/XXXX i was contacted by a rep insisting my closing costs would be {$2600.00}, but would only send me paperwork listing it at over {$4000.00}. Without any explanation as to where the {$1400.00} disappeared to.
Consumer complaint received 2017-08-16
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. (CA)

I was billed for items I never received. I was charged late fees and finance charges for them. I have been disputing this constantly with the company since XXXX.2015. I have filed an FTC complaint as it is illegal.
Consumer complaint received 2017-08-16
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. (CA)

I was billed for items I never received. I was charged late fees and finance charges for them. I have been disputing this constantly with the company since XXXX.2015. I have filed an FTC complaint as it is illegal.
Consumer complaint received 2017-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was billed for items I never received. I was charged late fees and finance charges for them. I have been disputing this constantly with the company since XXXX.2015. I have filed an FTC complaint as it is illegal.
Consumer complaint received 2017-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MN)

I was a victim of a Fraud/Scam attack. I was contacted by a company called XXXX XXXX. They claimed to be able to offer me a loan, and asked me to do some questionable things, resulting in me losing {$990.00}. My bank is unwilling to refund my monies to me. I am a single mother, with one income. I am in need of this money to pay for rent, groceries, fuel to get to work, diapers, and daycare. People make mistakes. I have learned a valuable lesson from this, but for such a large corporation, the bank should be more than able to recompense my funds to me. I have spoken to a banker in a branch, sent an email to the corporate office, and also filed a claim with the fraud department, and repeatedly been told I am out of luck. I am disgusted with the lack of concern over the loss of my monies. I understand I made a mistake putting my financial information out, but considering the magnitude of this company, I do n't see any reason why my stolen funds should be reimbursed to my account. I have filed a police report, contacted the FTC, the MN Department of Commerce and the FBI on this matter also. I feel unappreciated, tossed aside and poorly treated as a financial consumer who was taken advantage of. After following all of these channels, the bank is still unwilling to reimburse the money.