davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I have a premier checking account with Citizens bank in XXXX XXXX Ohio. The account is linked with several other accounts that have more than the minimum balance to keep it from getting charged a maintenance fee. Beginning XX/XX/2015, the bank, for no reason started taking out a maintenance fee of XXXX dollars for a total of more than XXXX dollars. I contacted the bank and spoke to the manager. She stated that it was their error and " XXXX '' would contact me to handle it. XXXX later called me and said that XXXX charges amounting to XXXX dollars would be refunded, but for policy reasons, no more. He did add that if I came to the bank and discussed solutions, more money might be refunded. I want a full reimbursement of the money fraudulently taken from the account as maintenance fees.
Consumer complaint received 2016-07-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (DE)

On my credit report I have XXXX marks that say I was over 120 days late. This is incorrect. The dates were XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX/XX/XX/XXXX. These are my children XXXX and XXXX 's private student loans that I co-signed. At the time neither I or my children could pay the {$2800.00} per month that they insisted we pay. After 3 months of negotiations with Navient we were given an income repayment plan for one year. During those 3 months we paid {$100.00} to each loan every month, which is what we could afford. Navient posted on mine and my children 's credit report that the payments were not paid at all and were 120 days late. This has drastically changed my otherwise perfect credit report. These errors need to be rectified as soon as possible. Attached please find Navient 's own account summaries showing corresponding dates and payments made during this period.
Consumer complaint received 2016-07-07
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (MO)

This is about Amex Gold Delta Skymiles credit card. When I was booking airline tickets at XXXX on XXXX/XXXX/XXXX and ready to pay with my visa card, a pop up came up inviting me to apply for the XXXX skymile credit card to get {$50.00} statement credit and XXXX bonus skymile miles after spending {$2000.00} in the first 3 months. So I clicked on the link and applied for the credit card. The card was immediately approved and used to purchase the airline tickets. I continued to make purchases with the card so it met the purchase requirement of {$2000.00} during XX/XX/XXXX. 
When the statement came, I did n't see the {$50.00} statement credit posted, neither the XXXX bonus miles credited to my skymile account. So I called customer service on XXXX/XXXX/XXXX and was told that I would get the {$50.00} statement credit and bonus miles in next statement cycle. When I still did n't see those bonus posted in the next statement, I called again on XXXX/XXXX/XXXX. This time I was told that I did not qualify for the bonus because I had the card in the past ( which had been canceled before ). I asked to speak to a supervisor who gave me the same answer. The supervisor said that his manager would call me in 24-48 hours to resolve the issue, but nobody ever called back! 
I felt totally deceived. First of all, I did n't ask for this credit card, they lured me to apply for the card with bonus offers and promises. I would never apply for the card if there were no bonus offers. Second, I did n't see anywhere that they stated that the bonus offer can only be given to customers once in a life time. If they do have such exclusions/restrictions, they should n't lure customer to apply for their credit cards with those bonus offers in the first place! That 's an obvious deceitful business practice!!! I am also very disappointed at their customer service who refused to resolve this issue. I am now reporting this issue to CFPB and asking Amex Delta skymile credit card to honor their promise and give me the {$50.00} statement credit and XXXX skymile miles that I well deserve. If the issue is still not resolved through CFPB, I 'll cancel this credit card and stop using Delta airline and Amex service anymore in the future. I will also report this act of deception and malpractice to XXXX and attorney general to have this matter investigated. I am sure that there are many victims like myself.
Consumer complaint received 2016-07-07
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (GA)

On or about XXXX XXXX, 2016, I elected to open an account with PNC Bank. I was told I would receive a bonus of {$300.00} if the following requirements were met by 60 days : Deposit {$5000.00}, make XXXX debit transactions and send a payment for any amount. I checked with the bank in XX/XX/XXXX after completing the requirements. I was told the requirements were met and the bonus will be added to my checking account. At 60 days, I contacted the bank to check the status and was told the bonus was not attached to the account. The bonus would be in my account no later than XXXX, XXXX, 2016. I called the bank and was told I did not qualify because the {$5000.00} was simply deposited at a branch and the bonus required a business check. I feel deceived because the bank held my money and now refuses to honor the bonus. Adding insult, the bank will charge my account {$25.00} to close the account because 180 day has not elapsed. The marketing rules for the bonus were not fully discloseddisclosed!!
Consumer complaint received 2016-07-07
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Have made previous complaints regarding Portfolio Recovery. 
They received cease & desist order XXXX/XXXX/16. They violated order twice. Today call I missed ans. machine picked up, hang up. 
I called the # back, Phone answered " Thank you for calling Portfolio Recovery, this is an attempt to collect a debt ... an operator will be with you shortly ... '' Spoke with a person named XXXX, advised her that I was recording the call, She informed me that she had no record of my name & ask if I was sure that that this was the phone that I received the call on? She stated that perhaps they were trying to contact someone else ( that is their tactic ) they always ask for someone other than myself ) I informed her that this was the 2nd violation since cease & desist order was in place & to take me off their list, also that I would file report w/ CFPB. Have also filed complaint w/ " Do Not Call Registry '' Since they have no record of me, it is not a debt collect. This is Phone harassment that must not continue! I keep a phone log of my calls & have a sound file of last conversation. The # I was called from was XXXX. Reporting these violations alone does not seem capable of stopping them, they are breaking the law not only w/ me but other consumers across the US ? Stronger enforcement is needed. I plan to seek an attorney to represent me in this matter. Here I am again one more complaint filed.
Consumer complaint received 2016-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I checked my credit and saw there were XXXX hard inquiries made by XXXX. I have not applied, contacted or requested anything from XXXX and recently my identity was stolen so this must be the case for these inquiries as well. 
On XXXX I did process a dispute with XXXX regarding the hard inquiry, and tried contacting XXXX. XXXX indicated they did not see anything on their end so that is concerning too. 
Attached is a screenshot from my XXXX XXXX credit report showing the XXXX inquiries I did not make.
Consumer complaint received 2016-04-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Federal Adjustment Bureau, Inc. (OH)

My brother XXXX XXXX had a lease with this property. I stayed with him for a couple months so he had to put me on the lease. Before XXXX XXXX lease was up i moved out of this apartment. I have tried several times to advise creditor that XXXX XXXX is taking full responsibility in this debt as he was the one living there. I was suppose to be removed from the lease as i did not live there. This account is in my name in error and needs to be removed. I have investigated this for a couple years now and have found my lease on where i lived at in this property.
Consumer complaint received 2016-04-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

Ridiculous!!! I have been in review since XXXX XXXX Nobody at BSI Financial , our Servicer, will respond to our requests. When we send documents, we hear NOTHING. They do not respond to us, nor our counselors XXXX, XXXX and XXXX at XXXX XXXX. And DO NOT SAY YOU DO NOT HAVE AUTHORIZATION TO SPEAK TO XXXX AND CLOSE THIS CASE, like you tried to last time. My written authorization is attached. 

XXXX also tried sending our help request to the investor, XXXX and they did n't even bother to respond either. We have so many emails to them sending documents and then following up, and only TWICE has BSI responded to the emails. 

BSI, kept insisting that they never received any of the documents for the modification review. We continued to send the documents that they requested, it 's been over 1 year now. Since the beginning of the modification process they always had an excuse they never received documents for modification review - that or they just do n't respond whatsoever. They clained a HAMP denial letter was sent out as you claim in XXXX due to missing documents, however we have since tried to send back in numerous updated packets and information, which no one fully addresses nor corresponds back with us or the borrower. Getting someone to respond is like pulling teeth to say the very least ( see attached, all emails with NO RESPONSES ). We have reached out to the counselor assigned, XXXX XXXX, numerous times, no one returns our emails or calls. I tried calling three times on XXXX and was placed on about 30 minute hold each time with no answer. Out of desperation, I have also recently emailed reps from the past XXXX XXXX and XXXX XXXX to help, but no response from them either. 
We need a DEDICATED person to be assigned to this case - the people thus far have done nothing to help. Please see attached, just a FEW of the emails we have sent that NOBODY has responded to. PLEASE HELP. Nobody is trying to help. They put us on hold for a very long time, or they do not respond to numerous emails. PLEASE HELP.
Consumer complaint received 2016-07-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Amsher Collection Services, Inc. (TX)

I checked my credit report to see that Amsher Collection Service had put a derogatory ding on my credit score, showing I was sent to collections. I need to remove that from my credit score because I was never notified of this action prior to it showing up on my score and dropping it nearly XXXX points!
Consumer complaint received 2016-07-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One is reporting XXXX mortgage accounts on my credit report that are in violation of the Fair Credit Reporting Act. They are reporting the last reported date as XXXX XXXX for the accounts below when the last late lates were made in XXXX XXXX. 

This caused me to get denied for a mortgage because it made it seem like I was late within the last year since the last report date was XXXX XXXX. 

The account numbers are XXXX and XXXX. 

There is no balance on the accounts and I even disputed this account months ago and they verified it as accurate which is not true.
Consumer complaint received 2016-07-07
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (UT)

I have called customer service trying to get a matter resolved. I have made 4 calls. The first call I was on line 45+ minutes and got someone and they transferred me. I waited for at least 20 minutes and did n't hear from anyone and hungup. Next, I called back. Another 45+ minutes to get matter resolved. No answer. Called again and about 40-50 minutes I got someone. They apparently were over worked and as they were not good to work with at the time. I am on the phone again today, I received someone on the phone in 33 minutes. They put me on hold again and I have been another 25 minutes and still no one back on the line. This is such a poorly run credit service. Please find out what the heck is going on. 
A very disappointed Customer. 
XXXX XXXX
Consumer complaint received 2016-04-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Due to financial difficulties borrower 's home was listed for sale in XXXX of XXXX. An offer to purchase the home was received on XXXX XXXX, XXXX. Bank of America as the servicer began to impose continuous requirements and waiting period hold and court authorizations prior to reviewing the borrower for a short sale which further delayed the transaction for a period of 8 months to the decline the offer after setting several requirements had to adhere to in order to be even considered for the short sale in which the borrower complied with. Bank of America than declined the short sale without a complete denial explanation, reason and due process of appeal as required by the HAMP guidelines. Bank of America requested a loan modification requested must be submitted prior to review of the short sale. The borrower was approved for an un-affordable loan modification which demonstrated more than 31 % of the borrowers gross income. Bank of America requested for the borrower to decline the offer in order to proceed with the short sale in XXXX. On XXXX/XXXX/XXXX a declination letter was sent to Bank Of America. On XXXX XXXX, XXXX Bank of America requested a Bankruptcy approval to proceed with the short sale. On XXXX XXXX, XXXX the bankruptcy court approved the sale of the subject property as Bank of America requested. Bank of America sent an eligibility letter on XXXX XXXX, XXXX. Bank of America than imposed another requirement for the borrower to wait 3 months for the trial plan period to expire ; although the offer is not valid after defaulting on the first trial plan payment. Bank of America did not allow the borrower to proceed with a short sale request until XXXX XXXX, XXXX. On XXXX XXXX, XXXX Bank of America denied the loan modification stating the Investor/Guarantor on your loan or your XXXX has declined the approval because it does not meet their requirements but would not disclose what requirements were not met and refused the borrower due process of an appeal after setting requirements and imposing conditions on the borrower to be met for a period of 8 month. By Bank of America delaying the process for 8 months which negatively affected the net present value results.
Consumer complaint received 2016-04-08
Product: Payday loan — 
Issue: Can't contact lender — 
Company: National Principal Group, LLC (ID)

I have gotten 2 collection calls from the NP group saying that I took out payday loans. I do n't remember getting payday loans. They said it was sent to a XXXX account and then I closed it to avoid paying the loan back. It took forever to get any paperwork from them they never told me it was an attempt to collect a debt. I paid them for one of the loans and luckily XXXX is taking care of it. Everything I call it does n't matter when number I call from or call to I get the same guy named XXXX. I feel like this is a scam and the government needs to investigate this company. The paperwork they had they said they would only email they do n't use the mail since it 's to slow and they want to close out the file they never told me the company the loan came from or what website I went to for the loan just that they got the file from XXXX. I found a number for them and it just keeps saying that they have. great offer from XXXX
Consumer complaint received 2016-07-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (MA)

XXXX contacted me XX/XX/XXXX for a debt to CitiBank. I made payment arrangements to pay off the balance from XX/XX/XXXX to XX/XX/XXXX ... completed the payments and paid off the balance. XX/XX/XXXX received a call stating that I still had a balance, basically equaling 1 monthly payment. Asked for verification and received a letter with all payments made, totaling more than the original balance and a list of Fees and Interest charges from XX/XX/XXXX ( some that were charged after I started the payment plan ). They refused to give me any clarification on what those fees were for, or which ones were interest charges. When I asked for further explanation and documentation they said they were going to close the account as being disputed and hung up.
Consumer complaint received 2016-04-08
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TENET HEALTHCARE CORPORATION (SC)

Central Financial Control also know as Syndicated Office Systems continues to publish derogatory information to the credit bureaus regarding paid medical bills. In a settlement between NY States attorney XXXX and the credit bureaus, the credit bureaus agreed to remove medical bills from an individual 's report after the debt is paid.
Consumer complaint received 2016-07-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (OR)

I have been with Beneficial since 2007. I have refinanced a few time and received a loan modification back in 2007. I have asked for them to refinance my home because the interest rates sits at XXXX percent. When I make my payments which are XXXX monthly, XXXX is the mortgage payment but the interest is XXXX while the actual principal is only about XXXX per month. They are hitting us with unreasonable interest rates. I would like my interest rate reduced so I can afford to make the payments. The other charges are fair and are for property taxes paid. They also charge XXXX late fees per month if you are 11 days past due which is also unfair. 

If they modify and refinance our interest rate our loan will become more affordable. Their only options are to defer payments or to foreclose which is also unfair practice. 

They also frequently change Mortgage Servicing Specialists. Each month I get a letter stating I have a new specialist. 

Because of not so good credit and us owing XXXX on the house with it only being worth XXXX we do not have the option to sell it. 

Would like to see them at least let us refinance at a lower interest rate. I feel like they are just stealing our money with their getting so much in interest. 

My account number is XXXX, please help.
Consumer complaint received 2016-07-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NVR INC. (MD)

My husband and I recently applied for a loan with NVR mortgages for our XXXX. 

In our loan estimate ( attached ), we were charged a full year 's worth of property taxes at closing in addition to being asked for nine months of taxes to be held in escrow. My husband and I thought that the 21 months ' worth in taxes was excessive and asked the loan officer XXXX XXXX to only hold 2 or 3 months in escrow. She refused to change it but did ask the NVR settlement company to confirm 9 months was correct. The settlement company she was wrong and only 2 or 3 months was needed but XXXX only said it was a " computer issue '' and still never sent an updated estimate. 

NVR and XXXX XXXX offer an incentive for using their preferred lender of {$15000.00} towards closing cost. The 21 months in taxes we were being charged totaled {$13000.00}, so it seems as if they were trying to exasperate charges to recoup for the incentive. 

XXXX XXXX also ran our credit to determine our loan eligibility but did not disclose to us our actual scores. We asked her several times for the written scores and her response was " give me a call. '' We declined to pursue a NVR but still asked for the incentive and complained to XXXX XXXX ( XXXX 's superior ), but she told us NVR did nothing wrong. 

NVR also did an unauthorized credit check on my husband and I around XXXX XXXX, long after we asked for our files to be shredded.
Consumer complaint received 2016-04-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (TX)

XXXX XXXX has tried to collect a debt owed by XXXX XXXX for XXXX. My name is XXXX XXXX and I have never had an account with XXXX. They first tried to collect the debt through XXXX XXXX XXXX who filed a collection notice on my credit report with XXXX. I disputed the collection and it was deleted by XXXX. Now I am getting collection notices from Afni collection agency.
Consumer complaint received 2016-07-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (FL)

TD bank is charging multiple overdraft fees totaling to {$170.00}. The bank account never went negative on there balance transaction sheets. I do n't see how this legal. I have attached a pdf of the account. I need this to be resolved.
Consumer complaint received 2016-04-08
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Charlottesville Bureau of Credits, Inc (VA)

I disputed a debt collection letter I received on behalf of A Visual Affair. The bill received from the office was for {$160.00}. They reported the debt to be XXXX to Valley Credit Service Inc ( VCS ) a debt collection agency. I contacted the business manager of A XXXX named XXXX XXXX who told me they sold the debt to VCS and that the additional XXXX was added on to as an administrative fee by VCS. I asked for XXXX XXXX to verify for me that VCS added on this administrative fee before I would pay it in a conversation that I told him would be recorded. In that conversation, he assured me he would contact me back and ensure that was the case. I never heard back from him. 

When I spoke with VCS and paid the {$160.00} I owed, she informed me that their company did not buy debts and that their company did not add on an administrative fee of {$160.00}. I disputed the remaining balance of the debt with VCS. A XXXX XXXX then sent me back the same invoice for only XXXX but certified that I still owed them {$160.00} without providing an invoice explaining the charge.