davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TN)

On XX/XX/XXXX I contacted Discover card thru my online account by chatting. I was upset about there high interest rate since I had a problem with them before. I was asking how I could close my account after I found out my balance and the account was clear. At the end of the chatting session I thought I was pretty clear I would call back at my convenience and close after I had physically paid off the account. The discover associate took upon himself to close my account anyway. I called Discover and talked to a Supervisor. He assured me he would look into the chatting session and return my call in a couple days. Never herd back from him and I am concerned this online customer service agent has access to my personal information and will use it in a negative or fraudulent way
Consumer complaint received 2018-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

this account was never delinquent this's my school loan please removed all late from this account please XXXX XXXX XXXX Account Number XXXX Account Type Installment Loan Terms 38 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 120 days Status Updated XX/XX/XXXX Balance {$2000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment {$56.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address PO BOX XXXX, XXXX XXXX, XXXX  XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$1700.00} Comments - Payment History XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Account status show delinquent was it was never late. 




XXXX XXXX XXXX. 
Account Number XXXX Account Type Installment Loan Terms 51 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 30 days four times Status Updated XX/XX/XXXX Balance {$13000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment {$800.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount {$31000.00} Comments - Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (MS)

Repossesion occured and payments due to company were made fromXX/XX/XXXX7.  The car was not three months past due. They added more fees. I made multiple payments to those fees and the monthly note from my banking accout. I am still told That I owe repossesion fees late charges etc. I have my payment history which reflects I was current and have not sucrssfully resolved rhe matter. I have spiken to five supervisors. I reduse to pay anymore. My loan should be paid off on XX/XX/XXXX. Thw company has me owing a balance of over {$10000.00} still. They have not creditedbpayments correctly to my loans. They also add late charges when my due date is on the XX/XX/XXXX of each month. The company is Santander. I purchased the vehicle in XX/XX/XXXX. The interst rate was over charged to me with my credit score.
Consumer complaint received 2016-08-15
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Caliber Home Loans, Inc. (GA)

In XXXX 2016, I reached out to a Caliber Home loan processor to see if I would qualify for a home purchase because I had home previously and had to file bankruptcy. After an in-depth phone interview. I was told to provide all information that was discussed, I did. The loan representative sent me a total of 3 different preapproval letters, non of which turned out to be accurate, as I was n't preapproved. After a great deal of searching, in XX/XX/XXXX, I found a home and wrote a contract, which the loan officer acknowledged. My closing date was scheduled for XXXX/XXXX/16. During this period I continued to provide information as requested. As I got closer to the closing date without any communication from the loan officer, I sent an email to request information about if the closing was set. She finally responded back to me letting me know that my loan had been suspended. I had to contact her because apparently this was n't important enough to call, send an email or text for. The day before I was supposed to close I get an email that states the underwriter has my information and she is expecting approval the following week. The day I was supposed to close the loan officer says the underwriter wanted another letter from student loans, which would have taken 30 days at a minimum. Additionally, the seller was only willing to give two weeks extension at a significant financial penalty. I was out of money and had nowhere to go. I thought that all of this had been looked at prior to issuing me a preapproval letter. 
I reached out to a different banking loan processor and provided same information that was given to Caliber Home Loans and in one week ( and no money out of pocket ) I was told that according to new regulations I did n't qualify to make a home purchase. I needed to wait at least another year. I feel like this is information the caliber loan officer should have provided me instead of having me payout and lose {$1600.00}. Recently, I have had tried to communicate with Caliber Home Loan corporate office but all I get are excuses and them trying to justify they are right. Caliber Home Loan is trying to make it my fault that the loan officer procrastinated or that the loan did n't go through. I do n't feel as if they did their due diligence. If the rules were changed the loan officer, who is a " professional '', should have made me aware prior to the day before and the day of my closing. At least, if she had, I could have taken advantage of the contingencies built into the contract and received most of my money back. 
This entire experience has caused me and my family XXXX and XXXX.
Consumer complaint received 2018-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION (AL)

BBVA Compass sent another statement that {$150.00} is due on account ending in XXXX. This matter was previously reported to CFPB and BBVA Compass sent word they were removing XXXX XXXX 's name from the card. XXXX 's name was removed, XXXX 's name is the only one listed, but it does not appear BBVA Compass has closed the account. We ask for your help to ensure the account is closed as previously requested over the years since XXXX 's passing. 

The credit card company was contacted to let them know XXXX XXXX passed away in XX/XX/XXXX.  XXXX did not own or have assets at his death in XX/XX/XXXX. The credit card company continued to send bills for XXXX 's card to XXXX XXXX, wife. The card was solely owned by XXXX XXXX, the card did not belong to XXXX XXXX. XXXX made payments based on the fact notices were sent demanding payment. XXXX has not been able to hear over the phone since she was in her early XXXX. She has used hearing aides since she was in her late XXXX. XXXX is now XXXX years old. XXXX had her daughter, power of attorney, contact the Compass Bank, holder of the credit card in XX/XX/XXXX to ask again that the card be cancelled, removed from XXXX 's name, and to terminate requests for payment as the card was not XXXX 's, but her husband 's XXXX. Rather than terminating as requested, BBVA Compass added XXXX 's name to the account without permission and then began unauthorized collection from XXXX XXXX for XXXX XXXX 's credit card. 

Since XXXX 's passing, XXXX has made payments to BBVA Compass in excess of {$12000.00} on an original balance of {$9000.00} owed by her husband XXXX, but not owed by XXXX ( {$86.00} per month minimum payment ). 

We ask CFPB to please help close the account so no further requests are received for payment from either XXXX XXXX ( XXXX years old ) or XXXX XXXX ( deceased XX/XX/XXXX ). 

We understand often credit card companies come after family members to make payments in this manner after a person has died. 

With penalties, interests, and fees that continue to be applied over the 12 years since XXXX XXXX passed, the noted remaining balance is {$3900.00} with request for payment by XX/XX/XXXX. However, the original balance due has long since been paid by XXXX XXXX on behalf of her deceased husband XXXX. 

Please help us to understand if there is anything else needed to terminate the account, the card, and requests for payments.
Consumer complaint received 2018-06-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (CA)

According to NetSpend 's website : " When you refer a friend who activates their new Netspend Prepaid Card and loads at least {$40.00}, you both get a {$20.00} credit. No reward will be credited to either party if referred individual had another Netspend managed program card that was used for a value load, purchase, cash withdrawal, or incurred a balance inquiry fee at any time during the 180 calendar days before the day the {$40.00} load requirement is fully met. Only cash reloads and direct deposits count towards the minimum load requirement. Allow 2 business days for {$20.00} credit to appear on each Card Account. The XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX are not affiliated in any way with the Refer-a-Friend rewards program and do not endorse or sponsor this program. '' I have met the foregoing requirements and have not received my {$20.00} credit. I have connected with NetSpend on innumerable occasions whereas they confirmed I am qualified and will receive my bonus credit. I have spoken to several supervisors that requested escalation requests on my behalf. It has been over a month and I have not received my referral bonus of {$20.00} ; when their website says it takes two ( 2 ) business days. This is misleading advertising and a violation pursuant to the federal truth-in-advertising law.
Consumer complaint received 2018-06-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CHARLES SCHWAB CORPORATION, THE (WA)

1. Applied for CS on XX/XX/XXXX. Got approved on XX/XX/XXXX. Debit card and paper checks got mailed out within 7-10 days later.

2. On XX/XX/XXXX, briefly after the account was opened, CS shut down without proper communication. I've been calling CS every single day or two to follow up since no one has contacted me regarding this matter/concern.

3. After days without answer, CS closed my account completely due to the " complicated matter of verifying my identity ''? Which also made no sense because CS never reached out to me while my IDs are always available to upload.

4. After endless calls and conversaions without much help, I am having no hope that CS ( from any department ) would be willing to deal with my account and do the right by me.

Data point : 1. Account has XXXX balance, 0 debit/credit transaction beside - A XXXX XXXX account verification - External account links to 3 other banks 2. Checks/Debit card both got ordered and sent out, apparently my account was fine until they started to mess with me and decided to drop the ball not to follow up. I've had enough phone calls to them to speak with multiple people to confirm who I am and my account opening.

CFPB would be the only place to file this complaint and force CS to follow up and do the right thing for customer.
Consumer complaint received 2018-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (GA)

I previously filed a complaint with Citibank. After weeks of waiting for a response, I am still in need of information. While related to previous inquiries, this INQIUIRY IS DIFFERENT and a request for documentation I have called and left messages with the executive assigned to the previous case, but have yet to hear back. I need information about the credit protector service that I was recently issued a refund for. 1 ) When was the credit protector activated on the account? 2 ) After trying unsuccessfully to activate the benefits, I closed the account protector program. What date was this done? 3 ) I have filed numerous requests for missing statements and have yet to receive them. XXXX XXXX  nor Citibank has not responded to requests. I am now requesting all statements on the account from XX/XX/XXXX to XX/XX/XXXX. 4 ) I am also requesting the account statement that shows when the account protector benefit was added. 5 ) The account statement showing when the account protector benefit was taken off at our request. 6 ) A copy of legal document showing what the account protector program benefit entailed. 7 ) a copy of the calls that were recorded when speaking with XXXX XXXX-the executive that covered the previous complaint. XXXX
Consumer complaint received 2018-05-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (NY)

We were facing a health and employment ( overlapping ) crises in XX/XX/XXXX, and when we asked the bank to refinance, they refused. We were forced to stop mortgage payments, which were locked at a particularly high rate, in order to cover our medical and day-to-day expenses. As of XX/XX/XXXX, we resumed employment, and the bank commenced a long, drawn-out process of loan-modification application that was both tedious and confusing. They would send us conflicting documents and information, send multiple requests for the same information, and generally kept putting off a loan-modification offer. Finally, in the late-winter of XX/XX/XXXX they agreed to a trial period, where we made a series of 3 payments. These were all on-time and paid in full. On XX/XX/XXXX, they offered us a loan modification, which clearly stated that if we have any questions, we must refer them to the bank by XX/XX/XXXX. However, when we asked clarifying questions on XX/XX/XXXX ( to understand the terms of the loan, as any responsible consumer should! ) they rescinded the offer. Further, they later claimed that we REMOVED ourselves from the loan modification program, which we NEVER did. In fact, our letter ( attached ) CLEARLY states that we are/were eager to get back on board with the bank and would like to begin payments and a renewed agreement. This letter never received a reply. We subsequently re-applied in XX/XX/XXXX and were denied, with no explanation. We subsequently turned to a non-profit agency to assist us in understanding why we were denied and in submitting a new application, and the bank refused to work with the non-profit agency and refused to entertain a new loan-modification option.

In brief : the bank has given us repeated mixed-information and has not entered good-faith negotiations to turn our home into a performing asset.
Consumer complaint received 2018-05-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (RI)

I have been attempting to dispute and resolve this account with Porfolio Recovery for almost 2 years. I have requested ( via certified mail ) validation of the debt. They have not complied with the request, instead sending me basic information, not including proof they purchased this account from XXXX XXXX, not including proof they are legally able to act as a collection agency in RI and not providing dates of the account, dates of delinquency, etc. 

After having no luck I retained Attorney XXXX XXXX ( XXXX ) XXXX to attempt to resolve this collection or to file bankruptcy on my behalf. They refused to speak with the attorney until I signed an Authorization from Portfolio Recovery giving Attorney XXXX permission to speak with them. I did so over 6 weeks ago and Portfolio has refused to commnicate with my attorney 's office. My attorney has left messages over the past 8 weeks and they refuse to discuss this matter with my attorney.

Also, I pulled my credit report and they are incorrectly reporting this account. According to XXXX I opened this account on XX/XX/XXXX ; however, the first delinquency was XX/XX/XXXX, 7 months BEFORE I opened the account. Again, because Portfolio will not respond to my attorney they will not correct this incorrect information.
Consumer complaint received 2018-05-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (NY)

On Tuesday XX/XX/XXXX en route to my office building, I was hit by another vehicle who ran a red light. At the scene, I was transported to the hospital for injuries and my insurance company XXXX immediately began No-Faults claim to my incident. 

XXXX has received a payoff letter from XXXX XXXX and the amount I owe is substantially more than what XXXX is offering. When I called XXXX XXXX, I spoke to a representative who was able to review my loan docs and stated that my application had to be returned because the GAP application was missing. Upon reviewing the document, I can tell it was completed by the dealer and signed by the dealer. The signature does not look authentic. In addition, the name used was " XXXX XXXX '' whereas all other documents concatained by government name XXXX XXXX. 

I am seeking help and retribution to the GAP Insurance that should have been included in my auto loan. This was not my first vehicle i've purchased. I believe the dealership may have done some evasive maneuvering to exclude this from my loan.
Consumer complaint received 2018-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have sent three separate letters to Equifax dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking Equifax to provide me with VERIFICATION of the below mentioned accounts reporting on my credit report. Equifax has repeatedly ignored my requests and repeatedly violated section 15 U.S.C. 1681 of the FCRA.

They have instead, negligently forwarded my requests of EQUIFAX to verify over to the furnishers of credit. These SAME furnishers have responded each time by UPDATING different information on my credit report which further lets me know that not only does Equifax not keep documents to verify that a furnisher is reporting accurately but they also do not verify that the information being sent to their crediting reporting agency is accurate either from the numerous updates and corrections supplied by these furnishers. 

Equifax 's negligence to disclose to me all of the documents that they have recorded and retained in their file concerning the accounts in question has made it difficult for me to receive the best possible rates on loans which in turn has caused me to suffer to spend more out of pocket than I would have to if Equifax would simply comply with the federal law. 

I am sure that Equifax is well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilites to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burder back to the consumer and the credit grantor can not fulfill the obligations impost by 1681 ( a ) ( 4 ).

The following accounts are in question : 1- XXXX XXXX XXXX XXXX XX/XX/XXXX 2- XXXX XXXX XXXX opened XX/XX/XXXX 3- XXXX opened XX/XX/XXXX 4- XXXX XXXX XXXX XXXX opened XX/XX/XXXX 5- XXXX XXXX XXXX opened XX/XX/XXXX 6- XXXX XXXX  XXXX opened XX/XX/XXXX 7- XXXX XXXX XXXX opened XX/XX/XXXX 8- XXXX XXXX  XXXX opened XX/XX/XXXX
Consumer complaint received 2018-05-29
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 — Investigation took more than 30 days
Company: Unisa, Inc (NV)

I attended to XXXX College - XXXX XXXX and was advised by XXXX XXXX XXXX to take a private loan. This loan ( s ) has been sold to different asset management companies. The latest is XXXX XXXX XXXX who bought the loan and is currently the owner of it. Now, regardless who the owner of loan is, the manager of this account has always been Unisa , INC to whom I've been on a payment plan for awhile ( automated monthly payments are taken out of my credit card ) even though am on a payment plan with Unisa , Inc. XXXX XXXX XXXX ( new owner of the loan ) has reported my accounts ( 2 student loans ) to  collections. They do not honor the payment plan with Unisa , INC. even after they became owners of the loan I was notified that Unisa , INC will continue to manage the loans and the my payment plan with remain in good standing for 12 more months.. I filed disputes with 3 major credit bureaus and they denied my request to remove negative collection information from my credit report because XXXX XXXX XXXX does not honor the payment play they notified me in writing about at the time they bought the student loan.