davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-16
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

On or around XXXX, 2013, I went to one of the branches of Santander Bank at XXXX XXXX in XXXX, XXXX XXXX to sign to be ( opt-out ) from my checking account ending in XXXX. At the same time, I applied for an over draft protection account which it was approved. to my surprise, the opt-out I singed in for did not took an effect at all. how ever, I called them so many times in regards to this incident, but it was fruitless. I made so many phone calls trying to escalate the issue, but no one seemed to be helping me at all. there were times I was put on hold for about 45 minutes and at the end of 45 minutes, they hung up the phone.every single time I called. I always ended up talking to one of the branches in XXXX, the service in this branches was horrible, I ask one of the representative that I wanted to talk to a manager, I was told that there was not managers available. they took my name every single time I called stating that a managers will call me within 24 and 48 hours, but that never happen. despite the fact, I have signed to be opt-out from my checking account, they continue paying any incoming charges with out being available fund to cover with out my authorization. so far, they have charge almost {$3500.00} just in over draft and sustained fees in the matters of three years. just in the last month, I received a letter from them saying that I have paid them {$750.00} dollars in over draft fees. it is pretty obvious that Santander bank is doing this to profit themselves illegally by ripping off customers that are struggling to pay the bills on time. it is clear to me that Santander did not activate my opt-out as a purpose to make money from over draft fees. 
I called them almost a month ago and I spoke to one of the mangers that refuse to give me her name, I told her that I had signed three years ago to be -opt -- out from checking account and finally they discovered that I did, and now it is in effect but is too late because they already charge all the money. 

My desire solution from this illegal act from Santander bank is that they need to pay me back all the over draft and sustained fees charge to my account which are almost $ XXXX.dolars. also, I want the Consumer Financial protection bureau to thorough investigates Santander Bank for any other illegal practices that they might have been doing with customers. 
sincerely, XXXX XXXX. XXXX
Consumer complaint received 2019-09-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LendingUSA (PA)

On XX/XX/17 I contracted with XXXX XXXX at XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX, XXXX FL XXXX Phone # ( XXXX ) XXXX to help with filing my back tax returns. The IRS had already begun to levy my Social Security income for an inflated amount taxes, fees, and penalties. I contracted with XXXX to 1 ) stop the levying of my SS Income. 2 ) File back taxes for six years to correct the amount I owed to the IRS. 3 ) Negotiate a repayment plan with the IRS. Total contracted price to cover their work was established at {$3900.00}. XXXX acquired financing for me through USA Lending ( also known as XXXX XXXX XXXX ). XXXX negotiated a settlement with the IRS and stopped the levying of my SS income after about 3 months. XXXX never filed any back tax returns for me or negotiated a correction in the amount I owed the IRS. I received a letter stating they were then closing my file. I felt they had over charged me for what work they actually done on my behalf. I negotiated with them. XXXX issued a {$2400.00} refund payment to my LendingUSA account. All was then good with XXXX. $ XXXX-XXXX= a {$1400.00} loan amount. 

Lending USA had charged me an application fee upfront of 5 % on the full {$3900.00} but refused to give me credit for the total loan reduction. LendingUSA just subtracted the {$2400.00} from the total balance owed and continued to charge me interest on that unpaid balance. I feel I was overcharged on the initial loan application fee, as well as interest on an incorrect total loan amount. When I tried to negotiate with LendingUSA, they charged off the account and sold it to another lender, XXXX XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX are both reporting unpaid accounts to the credit bureaus. They both refuse to correct my original loan amount and unpaid balance owed. Their actions are also hurting my credit rating. Please help me with these abusive lenders.
Consumer complaint received 2017-01-27
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

My car was almost in repo from Toyota financial. I talked to a supervisor and he agreed if paid 1 month XXXXto would come out of repo and I could pay the next month at a later date to get it caught up. I ended up paying 2 months through their automated system with a checking account. They can see the payment was set to go through on the XXXX but it came back as u sufficient funds. I need up putting in the routing number, account number but added the check number not realizing your not suppose to put the cHeck number as well. I have the money to catch up the car but they repoed the car today at XXXX. Beyond never told me the payment did n't go through or there was an error.. they refuse to let me pay the car to date and get it back. They want the car in full. It ws a typical error and they know I have the money. So they say they will sell at auction and I 'll owe the money.. why ca n't they take he money to catch it up if I have it and they know that? I do t want to owe money on a car that I dono havem. Both partied will lose money if they do it that way. Not right to efuse money when they know I tried to pay and I told them I have all the money now.
Consumer complaint received 2016-11-21
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: DISCOVER BANK (CA)

I applied for a second loan on my home with Discover Home Loans. During the process I was told there was a pending lawsuit against my property which Discover identified during a title search. After receiving the information, I conducted a county records search, and a title search with XXXX XXXX but my title showed it was clear of any pending liens. Discover Home Loans denied my loan based on the pending lawsuit " XXXX '' on my property, but there is no XXXX. I asked for the information used to deny my loan but was told I was n't entitled to it, although I believe I am entitled to information used to deny my loan. Discover Home Loans has refused any further communication with me. It should be noted that the pending lawsuit case number given to me by Discover Home Loan is a civil suit filed by a citizen against me and several other law enforcement managers with no tie to the incident being brought to court. County Council believes the lawsuit to be frivolous and vexatious as the managers listed in the suit where only identified due to being listed on a webpage. While the lawsuit is public record which is most likely how Discover Home Loans identified it, it is not attached to my property as a lis pendens. I have attached my correspondence with Discover Home Loan for reference, as well as the law suit filing. My goal for this complaint is to receive the documentation used to deny my home loan.
Consumer complaint received 2021-03-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upgrade, Inc. (GA)

Applied for loan XX/XX/2021 in the amount of {$16000.00}. 

Loan Offer was extended and I accepted the offer. 

Upgrade could not provide documentation to e-sign or sign. Although, a Truth in Lending and other disclosures were provided. 



They would email me a link that when clicked it would take me to a page that says, We're something went wrong, please try again later or callXXXX 

This issue was escalated multiple times. New links were emailed to me and access was attempted on other computers, browsers, phones, their XXXX XXXX, all resulting in the same error. 

This was escalated at least 5 times and was never resolved. 

I expressed interest in accepting their offer and they could not provide access to the " to do '' list so the loan could be finalized. 

Today, I received an email indicating the offer has expired. 

This is frustrating, because I applied for this, accepted it, provided bank account information for funds to be wired to, and they were supposed to be resolving this issue. Instead they didn't. It is almost is if they provide fake loan offers, string you along, just enough, until your credit score drops after inquiring. 

I made multiple attempts to resolve this with them.
Consumer complaint received 2017-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (GA)

I submitted XXXX separate request for XXXX different schools I attended to navient for consideration of a borrowers defense foregiveness within the last XXXX weeks. I called both navient and the dept of education to check the status of these request and was told no record was found of the request. I 'm XXXX percent sure the request for the borrowers defense forgiveness was received as I received confirmation of this. I attended XXXX in XX/XX/XXXX-XX/XX/XXXX for a XXXX and was led tonbelieve I would have assistance with finding employment after completion of the program. This did not happen and I was unable to find employment as a XXXX period. In XX/XX/XXXX-XX/XX/XXXX, I attended XXXX career institute for a XXXX. Midway through the program, students learned that the school was being investigated for fraud in reference to student loans and was ultimately shut down by the dept of education after a lawsuit was brought against the school and its founder. Due to this, I was unable to obtain any documentation of completion or transcripts from the school or Dept of education due to my academic records being seized as evidence. Until this day, those records are unable to be located. I was unable to attend an XXXX to XXXX program due to not having access to these records. I was also unable to transfer my XXXX to any state but the state I was originally licensed in due to not being able to provide any transcripts ofrom this program as required for license by endorsement. I was unable to transfer credits earns from my XXXX to my school once i returned to pursue my XXXX degree. I had to retake the courses in order to further my education. This has ultimately cost me a lot of money and I would like to have my loans forgiven due to these facts.
Consumer complaint received 2019-08-19
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: TRANSWORLD SYSTEMS INC (NY)

I just recently reviewed my credit report and saw an unknown issue. It appears to me that XXXX XXXX XXXX, a company we rented a cello for my daughter from a few years ago, has been charging me for cello rental even though the cello was returned in XX/XX/2016 and I have not once received a bill or been contacted regarding this since the cello was returned. Clearly, they sold this made up debt to a collection agency who has also never contacted me, yet it’s on my credit report as delinquent since XX/XX/2016. The response from XXXX has just been a photo of the months of the year with red dots indicating that I didn’t pay. I have not been able to reach anyone there as when i call I’m on eternal hold and eventually disconnected. The cello was picked up from XXXX XXXX XXXX XXXX from the receptionist. I will attach her email confirmation with me.
Consumer complaint received 2016-11-21
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I placed an offer on a house and contacted Bank of America loan officer that gave me a preapproval when i started looking. i asked where to begin told me the rates over the phone i asked for a Loan Estimate so i could verify it was the best deal. his tone changed and he told me my loan was hard due to a foreclosure in the past and other banks would have a hard time. I said ok i still wanted the Loan Estimate. he sent me a closing cost worksheet. i asked if this was the loan estimate he said yes, then i sent an email back saying even his document said it was n't at the top. The loan officer insisted that I send the contract over to him for the Loan Estimate. I referred him to the CFPB site and saying i did not need to send that information to him with what i need to give him. he brushed it off and requested the contract again. he still has not given me the loan estimate and continues to ask for the contract. when i informed him that according to the CFPB site i should not give him the information and if he continued I would complain to the CFPB and let them sort it out. he responded saying he wanted the contract for the property address and closing date and not to threaten him. so now I 'm letting the CFPB take care of it.
Consumer complaint received 2016-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (TX)

My business landline rang but no one was on the line from a number listed in California. I called it back but it rang to a recoeding that someone was trying to contact me. I then received a call on my business cell phone and it was ERC trying to confirm my address I immediately told them they were not to contact me at work and that I was a victim of identity theft multiple times. This afternoon I received more of these harrassing calls where no one was on the line and when I called it back turned out to be ERC.
Consumer complaint received 2021-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (MI)

Hello, I refinanced my home with XXXX XXXX in XXXX of 2020 and XXXX sold my debt to CMG financial in XXXX of 2020. I was notified via email and I followed the steps to set up an online account with CMG. I made the first payment ( XXXX of 2020 ) over the phone with CMG and I elected to enroll in autopay and electronic ( email ) correspondence. I was notified in XXXX of this year by my original loan writer that CMG reported me as not paying my mortgage for the months of XXXX, XXXX, and XXXX of this year -- I was not personally notified by CMG about delinquent payments. I logged onto the CMG website and my login information which had once worked, no longer did. I called CMG and spent hours over the phone with several ( rude ) customer service representatives and IT personnel who eventually told me that there was an issue with my username not connecting with my account. Once this problem was solved, I immediately paid the delinquent debt and late payments. I subsequently enrolled in autopay for the following two months and, due to glitches, payments didn't go through properly ; so I had to manually make payments ( all of which occurred on time ). I am now enrolled in autopay and electronic correspondence, both functions currently work appropriately. This mishap destroyed my once stellar credit and CMG refused to connect me with anyone of any authority in their company to hear my situation and try to resolve this issue. Ive had a long email correspondence with the office of the CEO at XXXX XXXX and they did their best to help communicate with CMG, however, CMG still refused to speak with my directly and eventually concluded that there is nothing more that could be done and they could find no records to validate my claims, and they even went as far as to say that I, " never attempted to contact CMG regarding this issue '' -- a complete lie. I had stellar credit prior to this, no history of delinquent debt, and no financial hardship during this year ; yet, my credit has been destroyed and I feel that much of this was out of my hands and the fault of CMG. I am asking that something be done to remedy this situation and restore my credit. Thank you for your time.
Consumer complaint received 2019-09-11
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 wife obtained student loans and graduated from XXXX  in XX/XX/XXXX. I obtained student loans and graduated from XXXX XXXX in XX/XX/XXXX. After getting married in XX/XX/XXXX, we consolidated our loans. Since XX/XX/XXXX, we have worked for XXXX XXXX XXXX and XXXX XXXX. We have tried over the last 2 years to obtain the public service loan forgiveness, but have been refused because of our consolidation. Similarly situated persons who did not consolidated have been granted the forgiveness. This discriminatory action is hurting my wife and I, especially since retirement will occur in the next 10 years. Please help us. We thought we did the right thing by consolidating. No one explained this dilemma in consolidation.
Consumer complaint received 2016-07-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion is reporting a bankruptcy on my credit file that is not mine. I have never filed bankruptcy. I am also showing accounts in bankruptcy that do not belong to me on my Transunion credit file. Either someone has the same name as mine or they incorrectly inserted bankruptcy information on my credit file. Please help me in getting these items remove from my credit file.
Consumer complaint received 2021-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. ()

I have had an account with Citibank in New York for the last 8 years. At the beginning of this year ( 2021 ) my login information no longer worked and the login page told me to call customer service. I have called to resolve the issue at 8 different times over two weeks. Every time I am told to call another number. So far I have been given : XXXX, XXXX, XXXX, XXXX. Every time I call and identify myself I am being told another department has to handle the issue. I am being put on hold that lasts for up to 30 minutes at which point the call disconnects. An online chatbot also tells me to call one of the above phone numbers. 
I can not get access to my account online or on the mobile app. I am not being told why there is a hold on the account. I am locked out of my funds and I can not make any transfers. Citi has stonewalled any attempt to talk to them or have this resolved, while they are holding on to my funds.
Consumer complaint received 2024-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

On XX/XX/year> I attempted to log on to my Citibank online checking account ( XXXX ), which I recently opened on XX/XX/year>. The account was inaccessible and stated that it was being reviewed for closure? I immediately called their Customer Service department and the representative would not give me the reason why this was occurring? I attempted to call their Customer Service number numerous times and no one was able to assist me or give me an explanation as to why my account was being closed and they stated I would get an letter with explanation in 30-60 days and if I needed further assistance to go into the local branch office. I went into the local Citibank branch at XXXX XXXX XXXX XXXX XXXX XXXX and spoke to the XXXX XXXX XXXX and explained the situation and wanted to know why my checking account was suddenly closed? He stated that after reviewing my account he could not assist me and I would have to wait a letter that would take 30-60 days with an explanation When I asked for my money to be returned to me and that I could wait 30-60 days for an explanation!! He was very hostile and not helpful, when I asked him for his business card he refused! He asked me to leave and wouldn't give me the Marketing managers phone number and told me he would call the police, which he did!! As I was leaving the police arrived and stopped me in the parking lot. The police understood why I was frustrated without access to my life savings but told me the bank has the right to ask a customer to leave, which I did. I am very frustrated and upset that Citibank has taken this action against me for reasons that I am not aware of and that they are unwilling to give me an explanation as to why this is happening to my account! I need access to my funds ASAP as this is my only money I have to live on. I also that XXXX XXXX was very unprofessional and had no right to call the police on me! He refused to give me an explanation as to why my account was closed. Thank you for your assistance in this matter!
Consumer complaint received 2019-12-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CULLEN/FROST BANKERS, INC. (TX)

I attempted multiple times to correct an error in a closed account that was reported to the three credit monitoring agencies. After opening an account at a different bank, I used the remaining balance and threw the debit card in the trash. This was apparently picked up and then used multiple times without my knowledge. Transactions that never should have been approved were up and until the amount exceeded $500 in charges. Final bank statements are included in this complaint. The overdraft fee dsclosure that clearly shows me opting out of overdraft services is attached. And finally, the bank's own disclosure regarding overdraft fees in which it states "if we do not authorize and pay an overdraft, your transaction will be declined" is include, meaning by its own admission, none of these purchases should have been authorized at all. Yet they were and then were reported to the credit agencies.The bank is in violation of 12 CFR § 1005.17, in violation of our contractual agreement regarding overdrafts, and in violation of its own stated policies. This debt is illegitimate
Consumer complaint received 2019-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Accurate Background (IL)

Hi, A background check was requested through accurate background for XXXX XXXX. The information on this report is inaccurate. It states I was sentenced to 1 year of XXXX with 2 days XXXX  credit. This is absurd, for operating a vehicle while iXXXX. I was never ever sentenced to any XXXX  time what so ever and have never been to XXXX.
Consumer complaint received 2024-11-15
Product: Credit card — Store credit 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. (FL)

They charged my credit card on these day and charge me finance charges late fee every months since XXXX. I called them almost every month to have them take these off and all the charges but they asked me to sent in ID card and i did but they still never removed these and report me late fee since XXXX which cause my credit now bad credit history. I all ready told them I never pay late with them and always pay all the balance and on time because they put these charges I never authorized. Please have them remove and remove all my late history with all the credit report so I don't get bad credit history any more. 

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