davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Risecredit, LLC (SC)

On XX/XX/XXXX at XXXX XXXX, I received an fraud email from Rise. The emailed stated that an unauthorized party had access my account and that they recommended that I change my password. On that same day, I changed by password but the website would not allow me to login. I contacted Rise 's fraud department and spoke with a rep. When I explained to her about the email received, she seem to not have a clue what I was talking about. She took down my information and stated that she would call me back. Never heard from her again. I attempted to login in again on yesterday but could not. I contacted the customer service department. The rep I spoke with onXX/XX/XXXX at XXXX XXXX told me that it could have been my internet browser and that is why I could not login. I have an XXXX so she told me to clear out my history but that did not work. She then goes on to say I should try different computers and browsers. None of this work. So I called back again at XXXX XXXX and spoke to someone in the fraud department. I think her name was XXXX. I explained to her again about the email regarding fraud and not being able to access my account. She could not figure it out and told me that she would call me back with more info. I advised her that I refuse to make another payment until I can fully access my account and that they can explain to me about the fraud email.
Consumer complaint received 2017-11-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XXXX XXXX I gave my wallet to my attorney at the time to give to my family and instead he charged all of my accounts for his services with out anyone consent. I was under the impression that my nephew was present and gave him the consent to charge the accounts, but he never did the attorney XXXX XXXX XXXX of XXXX XXXX and XXXX took the liberty to charge the accounts him self {$15000.00} in total over 3 different accounts. Let alone he never preformed the services as he was fired before he could do anything. I had someone file charge backs regarding the accounts fraudulent charges and services not rendered and not one of the 3 banks ever made contact with me and ruled in the attorneys favor as he provided false documents to support his account of activity. The receipt he provided was dated XXXX XXXX XXXX charged at midnight and there is not anyone signature. I am waiting on finial results from Capital One Silver Credit Card and XXXX XXXX, However Capital One 360 has ruled there is not an error and finalized a decision in the attorneys favor with out ever looking over the documents or confirming a signature. XXXX, XXXX XXXX requires a signature for charges or {$50.00} there is not any body 's signature on the receipts. Please help in this matter it is not the first time I had a dispute with Capital One 360 where they never investigated the matter correctly and favored the vendor.
Consumer complaint received 2017-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had a checking/savings account with XXXX XXXX XXXX. I overdrafted my checking account and was going to pay little by little in order to pay it back with the overdraft fee, typically a bank gives you 30 days to pay it back without charging another overdraft fee. I paid the bank {$1500.00} but they still sent the report and put it on my credit report as closed with a delinquency of {$2600.00}. My credit score went from XXXX to XXXX due to this, and the bank did not contact me at all. This is horrible and I need to fix it immediately.
Consumer complaint received 2017-11-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

I had the insurance on the credit card that I paid monthly for and when I lost my job, the insurance paid the debt in full. Ever since, they have tried to bill me for {$280.00} in interest and late fees from after the debt was paid. They are harrassing, call all the time stating they will sue me over the {$280.00}, I have tried to dispute this. They do not provide me with anything but a simple statement showing the money owed, there is no validation to how the debt was incurred and they have falsely reported this on my credit reports. This is the only derogatory issue on my credit report at this time and I want to resolve this once and for all. The credit report on XXXX shows the Date Opened was XXXX but last report on XXXX. Everything about this account is incorrect and they constantly harass.
Consumer complaint received 2017-11-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION (MA)

I took out a construction loan that transferred to a 30 year fixed mortgage with XXXX bank in XXXX. I then had to take out a second mortgage with them to complete the house I was building. My XXXX mortgages combined at XXXX. I made XXXX and my wife at the time made XXXX a year. That loan to income ratio is horrible and I was XXXX XXXX XXXX and did n't know better. 

I built the house, converted the construction loan to a fixed mortgage, and had a real estate evaluation done. It came in at XXXX. All looked good. 

Then the market crashed and my wife left. I used all my retirement to pay XXXX. I rented out the house to pay XXXX. I went broke to pay XXXX. 

I received an offer on the house just a few thousand less than the loan debt. I asked for a short sale. No response. 

Then, they held an auction, and bought the house from themselves (??? ) and never told me anything. I had to declare bankruptcy. I ca n't get anyone ever to answer any of my questions for more than ten years now! Please help.
Consumer complaint received 2017-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (VA)

I sent two endorsed checks for deposit into my Key Bank account. The checks were sent by USPS with signature required. The checks were for {$41000.00} and {$910.00}. Per the USPS, the envelope containing the checks was signed for in the XXXX Post Office by XXXX XXXX on XXXX XXXX 2017. Since that time I have been in contact with numerous Key Bank " customer service '' representatives. Each time I have to start over and recount my activities to date. Each time I am promised a representative will get back with me. After the first 3-4 calls, I have had no one call back to follow-up or provide status. The last contact I had was with the bank was XXXX when I was informed the package had been located/received in the XXXX office XXXX XXXX. I was further informed by the USPS Postal Inspector who was handling my inquiry, that they received word from the bank that the envelope with my checks was located in central processing/XXXX. This was the last information I have had and as stated previously, Key Bank has been less than responsive/helpful. Your assistance in helping me to get the checks located for certain and credited to my account is requested.
Consumer complaint received 2017-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CT)

I decided to cancel an XXXX American Express card when I was charged an annual fee for the second year. I called to cancel it early this year, and the representative who helped me confirmed the cancellation and said nothing else. However, I continued to receive statements with a charge for the annual fee. 

When I called about this issue on XX/XX/XXXX, I was told by XXXX ( XXXX ) that there was a 30 day deadline for cancelling the account without an annual fee, and that I had been four days over the deadline. I objected that the representative had not informed me of this, and that if I had known, I would have kept the account open. I asked for the annual fee to be removed, or, if that was not possible, for my account to be reinstated. I was told that neither was possible. When I asked to speak to a manager, my request was refused. This representative did promise for my complaint to be sent to the proper department and that they would contact me about the result of their investigation. 

After not receiving any news for several months, I called again on XX/XX/XXXX, and this time spoke with with a manager ( XXXX ), who repeated that while they had tried to remove the annual fee both in XXXX and now, their software programs were not allowing them to remove it. He also repeated that I could not reinstate my account as it was past a three month deadline for that action. 

In summary, I am being asked to pay an annual fee for an account I can not use ; the company representatives tried to remove it and thus sanctioned the removal, but were unsuccessful.
Consumer complaint received 2017-11-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (CO)

I have a car loan with Navy Federal and honestly forgot to reach out to the bank after my loan was approved. Navy Federal advised me that I stated that I would go to the branch to pick up the loan after listening to the calls. 
Navy Federal let the loan sit at the bank for over 3 weeks and did not contact me about the loan. They stated that it is not their policy to reach out to consumers on their loans. It seems a very bad business practice to just not contact a consumer about a loan. Life happens and sometimes a consumer can forget. 
I am very upset that the blame is all on me and that Navy Federal considers this a normal business practice.
Consumer complaint received 2017-11-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

In 3 successive days XXXX was taken out of my checking accounts by a company called XXXX and A XXXX credit card. This began on XXXX/XXXX/XXXX when I noticed 4 different deductions totaling XXXX. I called the bank and they closed the account and gave me new account. On XXXX {XXXX more was withdrawn from the new account of which only Bank of America had the account number. On XXXX XXXX  more was taken as a XXXX transaction by a private individual. They have now frozen all my accounts.
Consumer complaint received 2017-11-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Premier Portfolio Group (PA)

Constant phone calls and messages left by Premier Portfolio group to my phone, my wife 's phone and my XXXX young sons. They claim I have an unpaid debt from a payday loan or some nonsense. They threaten to call my employer, take legal action, etc .... 
I 've asked they stop many times. Today I received a call from a young lady named XXXX. Phone number called from XXXX. Callback number was XXXX. I called back because I need these calls to stop and XXXX hung up on me when I said I would report them to the FTC. I called back and said it was unprofessional to hang up on me and asked if the calls would stop. She said that she was n't going to argue with me and she would mark my file. I asked for her full name and she hung up on me again.
Consumer complaint received 2017-11-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Jim Bottin Enterprises, Inc (CT)

In XXXX my wife and I joined the new XXXX XXXX gym at XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CT XXXX ), paying for a full year upfront which gave us one month free ( see PDF of contract in attachment ). Early in XXXX my wife broke her foot and we stopped using the gym. We thought we were done when our 13 month paid membership expired. We discovered in XXXX, XXXX that XXXX XXXX XXXX, the billing agent for Anytime, had been taking {$74.00} from my wifes XXXX XXXX XXXX XXXX account for 73 months ( from XXXX of XXXX through XXXX of XXXX ) for a total of {$5400.00}. We only discovered this after XXXX left her nearly 30 years of employment at XXXX XXXX XXXX and closed her Credit Union account. XXXX came looking for a new account to charge XXXX see attached bellow of ABCs letter XXXX. After much effort a XXXX XXXX XXXX, the owner of the local XXXX XXXX franchise, declined to make any offer of reimbursement ( see a copy of his email, below ). 
After talking to the XXXX owner, the basis of our dispute is that we insist we were not members after the XXXX 13 months and that we did not notice the money coming out of my wifes credit unit account for over 70 months until that account was closed and the finance company, XXXX, came after the XXXX payment. The XXXX position is you signed a contract and we called every few months to say come on down XXXX calls based on a report that showed we had not been to the Gym ). Our position is that we thought the calls were attempts to get us to rejoin. Both my wife and I clearly told the gyms employees during a number of these calls, that we were no longer members and we did not wish to rejoin. I was very firm with a representative of the gym who called in XXXX XXXX. They had called to my cell phone and reached me in Maryland where my family is relocating to. I asked them to stop calling as we had relocated out of State,  had not been members for nearly 10 years and had no intention of ever rejoining and yet they still kept charging our XXXX account. The XXXX XXXX Police had explained to me that once they get your account information, it is very hard to get them to stop charging you. In late XXXX early XXXX, I told them to stop having XXXX bother me, what did you not understand from my phone call in XXXX. They said they would take care of it, but shortly thereafter I received the attach letter from XXXX. I told a XXXX XXXX in a phone call, that if they had acted prior to sending the letter from XXXX, that they could have kept our money since the account was closed and we never knew they took any money from that account. 
We are seeking reimbursement of the {$5400.00}. More details are included in the timeline.
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XXXX XXXX, XXXX I went to XXXX XXXX XXXX XXXX share branch which is XXXX XXXX on XXXX XXXX XXXX. in XXXX XXXX, XXXX and made my loan pymt. The amount I paid was {$350.00} I forgot to add the {$.00} to my check. On XXXX XXXX, XXXX I received an email stating I was 30 day 's past due for {$.00}. XXXX  XXXX called me for 5 day 's about {$.00}.
Consumer complaint received 2017-11-13
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (IN)

I have three negative items on my credit reports. Two of which are related to me short-selling my home after a divorce in XXXX. The 1st mortgagee was XXXX XXXX XXXX XXXX and the 2nd mortgagee was XXXX XXXX XXXX. Both of those lenders accepted their prospective proceeds from the short sale in XXXX. I have no issue with those negative debts on my credit report. The third negative item is from XXXX XXXX XXXX ( partial acct # XXXX ... ) and it shows Paid in Settlement in XXXX. I believe there has been a mistake in reporting between lenders. I believe Synchrony, previously GE Money, was my original 2nd mortgage. As was common back then, my mortgages were sold to different lenders in the time I was there. I believe a reporting error was made because of a lender debt sale or name change. I have contacted the phone number on my credit report for Synchrony and been transferred to multiple phone numbers within the company. Finally, I spoke with someone at Synchrony who can only see the same account info in their system that is on my credit report because the account is so old. Synchrony, nor the XXXX Credit Dispute can show any documentation that this " debt '' is actually a negative item created by me. There was only a 1st and 2nd on my home and those were settled. I need proof of what this negative item from Synchrony actually is and how it was settled. If this debt ca n't be substantiated by the lender, then the negative item on my credit report needs to be removed. I have already intitiated and received and disputed the intial credit report dispute thru XXXX. There response basically said that " Yes,  Sycnchrony settled a debt with you ''. No other information at all. It could be a fradulent account and the lender provided no evidence to the contrary. Please help.
Consumer complaint received 2017-11-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TN)

In XXXX, A near XXXX experience occurred during XXXX  XXXX. 
This caused for a 5 month delay in returning to work. 
As I returned to work my pay had been reduced due to a shift change. 
I became behind on my mortgage I formerly applied for mortgage assistance and none of the various servicers who bought my loan would reply. 
I left the home and thought the home was foreclosed. 

Last year I began to receive information from a company called Penny Mac. Turns out the home is not foreclosed after 5 years of non payment. I am in a better place financially and would like to keep my home. In XXXX XXXX, I began to inquire about mortgage assistance. I was told the only way for assistance is if the home was occupied again. 
I paid $ XXXX to restore electricity, clean up home from XXXX, break ins, etc. I communicated with Penny Mac that we are reclaiming possession in hopes of a loan workout. NO FORECLOSURE DATE was scheduled. Due to the City of XXXX XXXX XXXX and Architects it took XXXX weeks to gain clearance for electricity Turn On. 
I alert XXXX we are back in home and ready to start loan mod process XXXX advises the home is scheduled for foreclosure XXXX/XXXX/XXXX. 
I immediately follow instructions from XXXX  representative XXXX and sent in package complete with all items as directed XXXX and XXXX website checklist. I was advised that the foreclosure would be postponed once the package was received and a Special Point of Contact was assigned. 
Last Friday XXXX p.m. XXXX, I was contacted by XXXX XXXX XXXX by phone advising Me that I should give Proof of Hardship within XXXX hours ( request by Investor ) That would mean gain medical records or something from XXXX yrs back over a weekend. 

XXXX XXXX and XXXX advised me to contact CFPB in hopes of making sure that I am treated fairly. I am attempting to repay this debt and keep My Home. 
I am told I am eligible for XXXX XXXX Funds IF the Foreclosure is postponed to give time for application process. I am told I should have been given a Forbearance of payments. 

Bottomline, I ask for assistance for a postponement of foreclosure sale. I have followed the instructions of XXXX, take back possession XXXX $ XXXX invested ), apply for loan mod, and respond promptly. 

Please assist Me in this matter
Consumer complaint received 2017-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TD BANK US HOLDING COMPANY (FL)

ON OR ABOUT XX/XX/XXXX AND XX/XX/XXXX. WE FILE A COMPLAINT Against TD.Bank about Problem that they need to fix we send our finical statement to the NJ XXXX XXXX XXXX. the report number was CFPB # XXXX And on or about XX/XX/XXXX respond back to consumer Financial protection Bureau CFPB ) states that they has correct the problem but failed to increase the credit that we request XXXX to fix the problem by increase line. yes they gave us our line back of XXXX but that did not fix the problem. this is not a credit bureau problem this is a T.D Bank problem iam request a XXXX increase to fix the problem and the bank do not need to pull the credit because they already pull the credit to cause the problem. in a Letter date XX/XX/XXXX from T.D.Bank they did not address the issue. the after problem from the damage that done. for drop the limit to XXXX
Consumer complaint received 2017-11-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bread Financial Holdings, Inc. (CA)

I obtained a personal loan through XXXX XXXX - XXXX XXXX XXXX XXXX, for a XXXX procedure. The initial XXXX  caused XXXX XXXX issues, and I have had to move to a specialist to fix the damage. The initial XXXX, XXXX, returned the money to XXXX XXXX on XX/XX/XXXX, 2017. As you can see from the attached Documentation, XXXX XXXX XXXX XXXX XXXX XXXX, received the money at the end of XX/XX/XXXX. I  waited to be reimbursed for two months. After two months time I contacted XXXX to inquire where my money was : XX/XX/XXXX - spoke w/XXXX & supervisor to have my refund deposited directly to my bank account by giving them my banks routing number and my individual account number. Given confirmation # XXXX ( which really turned out to be XXXX employee I.D . ). I was told it would be done by electronic transfer, which could take 714 days to complete. 
XX/XX/XXXX- Spoke to XXXX & supervisor XXXX. Asked if any progress had been made in directly depositing my refund to my bank account. I was told it wouldnt be more than another 7 days. 
XXXX - Spoke to XXXX XXXX. Told her that I had neither received the refund amount directly to my bank account, nor had I received a refund check. I indicated to her if the refund was not posted to my bank account by the end of business day yesterday, I would be forced to file a complaint. The money was never deposited. I paid almost 24 % interest on this loan. Is XXXX going to reimburse me 24 % for the additional two months they have held my funds?
Consumer complaint received 2017-11-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (TX)

XXXX XXXX transferred my loan to XXXX the loan was current with XXXX. When the loan was transferred XXXX had put in the XX/XX/XXXX and XX/XX/XXXXpayment owing as fees owed to XXXX XXXX which was made to XXXX in XX/XX/XXXXand XX/XX/XXXX my monthly payment. XXXX is showing more moneys owed which is not correct I should only have a XX/XX/XXXXpayment owed of XXXX. XXXX  is showing XXXX which is incorrect. XXXX XXXX account number is XXXX phone number XXXX. XXXX XXXX loan number is XXXX, Citi Morgage tranferred foreclosure fees and attorney fees which were collected in the chapter XXXX with the trustee. Citi Morgage account number is XXXX number is XXXX. The amount of XXXX of attorney fees and forecloser fees were paid from the trustee.