davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-16
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (OH)

I received an offer to open an credit card with USBank, which they did not honor. The offer stated that if I spend {$1000.00} within XXXX months, I 'll receive a {$200.00} statement credit. I received {$100.00} after spending {$500.00}, but did not receive the full {$200.00} after spending {$1000.00} within XXXX months, which is sooner than the offer required. I called them and was eventually told I needed to fax the original offer letter to them to prove that I was supposed to get {$200.00} after spending {$1000.00}. After faxing it, they still refused to give me the remaining {$100.00}. They stated that they placed me in a separate promotional offer with a lower APR, which offered only {$100.00} after spending {$500.00}. USBank said I would need to reapply for the credit card in order to get the offer I originally applied for. I can not do that due to the negative affect it may have on my credit score. Plus, I do not know if I 'll be placed in the same program again. I am looking to purchase my first home within the next year, and I do not want the additional credit request to negatively affect my score. USBank refused to fix this situation for me even though I faxed to them the original offer letter. I felt like I was fraudulently given an offer in order to bait me, upon which I relied, then changed the offer without informing me until I called about why I was not awarded the {$200.00}. I was then given something cheaper and of lesser quality. The application for this credit card negatively affected my credit score, which I thought would be fine due to the additional {$200.00} that I should have received, but instead I only received {$100.00}. I used the promotional code that was on the original offer letter when applying for the card online and was approved ; I spend the required {$1000.00} within the first XXXX months of opening the credit card ; and I faxed the offer letter to USBank to show what they had originally offered me. Yet they refuse to fix this problem for me. I have the offer letter and all bank statements showing I spent {$1000.00}.
Consumer complaint received 2015-04-01
Product: Credit card — 
Issue: Delinquent account — 
Company: Credit Card Receivables Fund Incorporated (GA)

After years and years and numerous attempts of proving this account has been paid and this company taking money from my checking account, they are still trying to take my money. I have proof there is no such debt and they have no proof that there is an unpaid debt. This harassment is causing such anxiety that I am unable to sleep at night wondering when I am going to wake up and be penniless again. This is complete fraud and harassment and I want it to stop immediately and be refunded the amount they have already stolen from me. If you call the attorney 's office, you have some so called lady answering telling you " you should pay your bills. '' This is unfair and unjust and this is my XXXX complaint and no one is doing anything about it. UNIFUND CCR PARNTERS is scamming me and I want this to stop. I really do n't have the money to hire any attorney but it is looking like I am going to have to in order to get any help as I do n't want to be stuck having to borrow money after they have stolen my checking account again and have to pay numerous overdraft fees.
Consumer complaint received 2015-06-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (NY)

On XXXX XXXX, XXXX, I went to the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY, to open a checking account. Because I have had a savings account at this same branch since XXXX XXXX, and a positive banking relationship, I was astonished and embarrassed to be denied XXXX a personal checking account for myself and a corporate checking account for my law firm, a P.C. incorporated in NY in XXXX XXXX. The reason for these denials was that the XXXX indicated that my P.C. and I XXXX combined XXXX owed TD Bank a total of {$200.00} in overdrafts. I dispute this. I was given neither notice of these alleged overdrafts nor an opportunity to prove that these alleged charges were illegal and invalid. 
Four or five years ago, XXXX, I opened both personal and corporate checking accounts with TD Bank , NA. My XXXX partner noted that I was spending an inordinate amount of time in the XXXX XXXX XXXX Branch of TD Bank, contesting unwarranted and unjustified overdrafts. Finally a friendly TD Bank officer told me quietly that it was bank policy to maximize the number of overdraft fees on each account, by manipulating the receipt of debits and credits. In XXXX XXXX a XXXX federal judge approved a {$62.00} million class action settlement arising out of TD Bank 's illegal overdraft policies. ( In re : Checking Account Overdraft Litigation XXXX. Because TD Bank has continued to practice its illegal overdraft policies despite the XXXX settlement, a new TD Bank overdraft fee class action was filed on XXXX XXXX, XXXX, in federal court XXXX XXXX XXXX et al. v. TD Bank NA, case number XXXX, XXXX XXXX XXXX for the XXXX XXXX of XXXX XXXX XXXX This litigation is still pending, and I am still waiting for a refund check for the overdraft fees improperly charged to my XXXX accounts. 
Meanwhile it would be prudent for XXXX and XXXX to cease and desistfrom implementing TD Bank policies to force customers to pay illegal overdraft fees, or to forego checking accounts at other more reputable banks.
Consumer complaint received 2015-11-25
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The accounts XXXX and XXXX are in violation of the FCRA as they are knowingly inaccurate under 623 ( a ). Bank of America has not done a thorough investigation as to the validity of these accounts and they have already lost in court over XXXX of them. I have retained an attorney and will be commencing litigation with them over these accounts if a thorough investigation is not completed and documentation provided as to ownership and original contract information for both of these accounts. 

The Credit Reporting Agencies will not provide the information afforded in my rights under the FCRA 609 ( a ) ( 1 ) and now Bank of America is gaming the system to punish me for beating them in the courts.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC. (GA)

On or around XX/XX/XXXX, {$450000.00} was removed from my account bringing it to a negative balance. The money was placed back within a few days, but then my account was restricted. I could not access my funds AT ALL! At this point, I am unable to log in completely to my account, as they have not given me the access code to verify my information. I have been in communication via email with various people that have requested my information for verification, i.e., ID, social security, birth certificates, all of which has been provided. Access to the account is needed immediately as I am in the process of purchasing a home. At this point, the closing date has surpassed and the seller is considering backing out. It would be greatly appreciated if immediate attention is given to this matter. I have not heard anything from Robinhood since Saturday, XX/XX/XXXX at XXXX XXXX. At that point, they informed me that my account has been escalated, but it is still in the verification process.
Consumer complaint received 2015-10-14
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (OH)

Rushcard did send out emails to inform customers of technology updates XXXX Monday XXXX XXXX that should have been completed by XXXX.This in turn denied ALL access to funds on card.The next response from the company was that updates were taking longer than anticipated so as of today XXXX XXXX ALL Rushcard members do n't have access to all or part of their funds, have n't received direct deposits from employers..nothing.there is no one answering calls from Rushcard or Metabank or they hang up on you.So no answers and no money.my employer will not cut me a check because the direct deposit was accepted by Rushcard and they have n't rejected the funds.My paycheck as well as other card members is being held hostage with these companies.as of now ca n't pay bills ... .missing work ... this is devastating and I 'm sure there are people affected more deeply than myself.please help.
Consumer complaint received 2015-11-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PINNACLE RECOVERY, INC. (CA)

A past due balance with my vacation company was submitted to Pinnacle Recovery after 30+ days of non-payment. I never received any written notice of what was owed and I was never given the opportunity to dispute their claim. The individual assigned to my " case '' was not helpful. I tried to work with a supervisor and was rebuffed. They will not verify the actual amount owed and will only take care of business over the phone. I am attempting to pay the debt in installments, but they will not allow that.
Consumer complaint received 2015-11-24
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I received a phone call at XXXX on Thursday XX/XX/XXXX ... caller ID showed that it was XXXX XXXX XXXX ( our bankruptcy attorneys ). A man identified himself as XXXX XXXX, a lawyer with the group told me that he had just gotten off the phone with an attorney representing XXXX XXXX, XXXX of our creditors, and that if I did n't call this other attorney and make a payment of {$780.00}. that he was going to put forward paperwork for me to be arrested and to sit in jail for 30 days, because of a judgment that was filed against me. I had no reason to doubt this person, because as I stated above, caller id was from our own lawyers office ... when I explained that we did n't have that kind of money, he told me to just make the payment and that XXXX would refund us the money because they had missed the judgment. I contacted this other attorney, a XXXX XXXX, he confirmed everything that our lawyers office had just told me. He told me to go to a XXXX/money gram, to take care of this payment or again that I 'd be arrested and to sit in a jail for 30 days. I ended up borrowing {$800.00} from my best friends father, because I was extremely scared and being XXXX I was terrified of being put in jail. I went to a store here in town, in XXXX, CA, and called this attorney XXXX XXXX back so that he could give me the information to send the payment. I did this and gave him the reference number. He told me that the paperwork was going to be pulled and that I would n't be arrested. I tried calling XXXX back at XXXX XXXX, I got the recording that they were closed for the night. First thing Friday, XX/XX/XXXX, I called and tried to speak to XXXX XXXX, only to be told that he no longer works for the firm.. I spoke with XXXX XXXX, he does investigations into fraudulent cases, and that 's when we realized that we had been scammed big time, by someone, XXXX XXXX, that was pretending to work with our bankruptcy lawyers. He had answers for every question I threw at him in regards to our bankruptcy paperwork. After speaking with XXXX XXXX, I was told to file a police report and to file a claim with CFPB. I 've filed the police report and am just now filing a complaint with CFPB, due to issues with the website, which are now resolved. I do have receipts and the form, but I do n't know how to attach them.
Consumer complaint received 2015-06-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (IL)

LOAN # XXXX OCWEN LOAN SERVICES4 Months ago we request Hamp Loan Modification : XXXX this is XXXX XXXX XXXX XXXX on XX/XX/XXXX our business suffered a financial loss therefore I had requested to Ocwen Loan Services loan modification on our Home. Bankruptcy or Fore Closure is not an option we are willing to take. We have enough equity and after XX/XX/XXXX New Job. We had contacted Ocwen for the loan modification, they had advised to us to stop paying for the loan, since they said this had to be done in order to qualify for the modification program. I ended up checking my credit report, and they had reported it and my credit score took a huge hit. This has also created more damage in our business since now I can not apply for anything. We have still yet to hear back from Ocwen in regards to my loan modification Status after 4 Months. I want to file a complaint & maybe if somehow someone from your department could look into this, I would greatly appreciate it. Also, are there any options I have available in order to avoid foreclosure of my real estate. We only need loan modification ut it seems nearly impossible, Ocwen do not assist in any way and they never respond to us with any offer after 4 months we send all documents via e mail pdf, XXXX certifided mail, etc.. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-11-24
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A. (NV)

This is a complaint about Citi bank credit card electronic transfer fraud by Citi bank. As of XX/XX/2015 they issued a payment via mobile transfer from my Nevada state bank account to payoff my credit card account without authorization. My bank reverse the charges, after I notified them and adviced me to contact Citi bank to investigate how and why this occurred. After getting the run around at citi bank they refuse to tell me how this transfer happened. I am attaching a copy of my payment transfer to this credit card for your viewingI thank you for your help and consideration in this matter and hope to hear from you soon.
Consumer complaint received 2015-06-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (MD)

I make my monthly mortgage payments to U.S. Bank Home Mortgage, XXXX XXXX XXXX XXXX, OH XXXX. I make efforts to pay my mortgage in time and also be up-to-date with my payments. My regular mortgage payment is {$1300.00}. 

I received from U.S. Bank Home Mortgage the attached Annual Escrow Account Disclosure Statement claiming that my escrow account is in shortage of {$1200.00}. The attached ESCROW SHORTAGE COUPON from the bank states that if I elect to pay the entire shortage amount, my new monthly payment will be {$1400.00}, effective XXXX/XXXX/15, based on an Anticipated Annual Disbursement. 

I then contacted the Customer Services of U.S. Bank to be clarified on the content of the Annual Escrow Account Disclosure Statement. I was then informed that my property tax was increased by the County that was why there is a shortage in my escrow account. I then made multiple calls to The XXXX to confirm if my property tax was increased. Each of the officers that I spoke with reported that there has been no increase in my property tax. 

Based on my findings, I responded to U.S. Bank with a letter titled, RE : Annual Escrow Account Disclosure Statement. I stated in the letter that XXXX reported that there has been no increase in my property tax. The letter is attached. 

U.S. Bank responded with a letter titled, Re : Loan Number XXXX, and insisted that I pay {$1500.00} as my new mortgage. The letter is also attached. The bank followed up with phone calls insisting that I make the new mortgage payment. 

The tax details of the property in question is attached as Real and Personal Property Tax for XXXX XXXX, MD. 

When I checked my credit report from XXXX, under Mortgage, it is reported that my Monthly Payment Amount is {$1500.00} instead of {$1300.00}. I have mailed checks of {$1300.00} each month to the present month of XXXX. The checks were successfully cashed by U.S. Bank, but my credit report states that the date of my last mortgage payment is XX/XX/2015. This can potentially hurt my credit score. 

I contacted an Attorney to help address this issue, and after reviewing all relevant documents, a letter was sent to U.S. Bank Home Mortgage from the Law Offices of XXXX, XXXX XXXX XXXX, XXXX. The Law office advised U.S. Bank that my property tax was not increased as claimed by the bank. The letter from the Law Office is attached. 

In addition, the Attorney advised that I bring this issue to the attention of Consumer Financial Protection Bureau ( CFPB ) ; and I humbly seek your help to address this issue, which will potentially protect me and many other innocent consumers from certain practices. 

I respectfully thank you for your time.
Consumer complaint received 2015-11-25
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (NM)

In XX/XX/XXXX my loan had a balloon payment due. In XXXX XXXX to contact US Bank to assist me on what they can do to helpas I could not get another loan to pay this XXXX off. It is now XXXX have been going back and forth for years with no end in site. I have sesent them paperwork after paperwork. Had a short sale offer, they didnot take or even respond. Requested a deed in lieu and they did notrespond, suggested at the beginning if I could continue to make the payments as is they said no loan was due in full. After a year or so of this they said I could make up the past years payment, bring loan current then make monthly payments. At that time it was {$9000.00} pastdue. I only owed {$23000.00}. Today they say I owe {$23000.00} plus {$17000.00} past due. I took money out of my IRA to just keep up with mybills. I have had excellent credit my whole life, this has just been anightmare. They did change the mailing address so for six monthsI did not receive anything. It took they a year of me callingto correct the mailing address. this is a lot loan, no house is on the property. In XX/XX/XXXX they started foreclosure, I told them to take mylot. They have done nothing.They have ruined my credit and arecontinuing to ruin my credit. I am at the end of my rope. this problemneeds to be resolved.
Consumer complaint received 2015-11-25
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION (TX)

I have a {$500000.00} CD in the BBVA Compass bank. The CD matured while I was out of town on businesstrip. The BBVA rolled the CD into a CD with 0.1 % interest. It was few days pastthe 10 days grace period when I found out the CD had rolled into another one. I asked the CD be broken and I would pay the usual 3month or 6 month interest penalty. I was told that there would be a 3 % penalty and Iwould have to pay {$15000.00} for early withdraw. The agreement I signed says at renewal, the bank will " disclose renewal terms '' to me. They never disclosed this 3 % penalty tome and this penalty was not in the original CD I signed up for. I have talked to theprivate banker, branch manager and district manager and they all say the 3 % penaltyca n't be waived. In fact some of the individuals I talked to at the bank were surprised by the 3 % penalty and told me that they also believed this to be excessive. I believe the action of BBVA with regards to this CD renewal isunethical and represents an unfair business practice. They did not " disclose '' the termsas they should have. I am a small business owner and I might have to go get a highinterest loan for my business while BBVA is holding my money hostage.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (VA)

I am trying to get my credit report fixed and I was told that the bureaus have 30 days to respond, I mailed XXXX a letter on XX/XX/XXXX and have yet to hear from them. I am not going to continue to waste my time on this so please help me. My main concerns are in the letter that I have attached to the complaint.
Consumer complaint received 2015-09-06
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: Google Compare Credit Cards Inc. (GA)

Google Wallet suspended my account for fraud. There was absolutely XXXX fraud. They made me go thru a verification process which I provided everything from a picture of the debit card I used to fund my account, bank statement, ID and transaction history. After taking me through it for a few days they decided they are closing my account still but wont let me withdraw my money. Wont tell me how my money will be refunded. The card i have on file wont be valid after XXXX XXXX so if they decide to send the money to me that way it will not work. They sag i can get my money back in 30 days. I feel they are trying not to give me my money at all i found this article online where others have went thru the same thing. XXXX
Consumer complaint received 2015-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MD)

I went through a bad divorce and my former spouse, who I ran from, stopped paying all joint debts. The truck he drove was repossessed and he would not pay the mortgage for the house we built that he lives in. We were also joint on a house his mother lives in. I obtained a divorce in XX/XX/XXXX. I went back to Court to try to get him to sell the house, but he has ignored all Court Orders. I could not afford to spend any more money on going back to Court when it did nothing. I was advised by counsel to file for Chapter XXXX bankruptcy because I could not afford to pay for my son and I to live and my former husband too. I completed a five year Chapter XXXX Bankruptcy starting XX/XX/XXXX and was discharged in XX/XX/XXXX. In an effort to have a fresh start, I disputed and cleaned up my credit report which had some discharged debts as owing. The only creditor who would not recoginize the discharge and still has me owing a discharged loan is XXXX XXXX XXXX. The loan was originally XXXX and XXXX XXXX XXXX even kept the same account number. I have disputed this loan several times and the loan showed a XXXX balance at one time, but XXXX XXXX XXXX reported it as open with a balance after that. I do not pay this debt and I did not reaffirm it. I recently disputed it again with XXXX who deleted the account. I recently applied for credit and it still shows up on XXXX and Equifax. This is impairing my credit and ability to make a fresh start. Some days I wonder what I went through the Bankruptcy for.
Consumer complaint received 2016-11-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

someone used my name for 10 inquiries with out my permission at Equifax credit burea sent Equifax a letter with picture ID disputing it. All auto dealers think it was a relative because they knew my ss number.Equifaxdid not investigate