davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: DISCOVER BANK (VA)

I am a current customer with Discover Student Loans. My interest rate has increased from 6.5 % to 7.00 % in less than two years ; that includes XXXX increases in the past six months. So, I called Discover Student Loans this morning. I asked for a reduction in my interest rate. I was informed by XXXX agents that the federal regulators set the rates, and that Discover can not reduce my interest rate. That is incorrect. The federal regulators set the prime rates. Discover adds on to that rate to set my Discover Student Loan total interest rate. My first complaint is that Discover provided me incorrect information on how my student loan interest rate was calculated and blamed the regulators for the rate, not taking ownership for their calculation. 

Next, I was informed by a Discover Student Loan agent that the ONLY way to reduce my rate was to apply for a consolidated student loan. This would account for a hard inquiry on my credit. Upon hearing this was my ONLY option, I submitted my application over the telephone. My second complaint is that I was incorrectly informed the only way to reduce my rate was to re-apply. This is incorrect. Discover has committed in the public press that they will work with student lendees to reduce interest rates for highly qualified individuals ( of which I am ). I informed the agent of this, who simply did not agree. 

Next, the agent obtained my information and imported my existing Discover Student Loan information ( i.e., the current balance ) into the application. Next, the agent informed me that I was not approved and that I would receive a letter in the mail informing me as to why I was not approved. The application I submitted and was ultimately declined for only included the existing Discover Student Loan. Ironically, I was declined for the same student loan product that I currently have with Discover. That 's my third complaint - that I was declined for the same product I have today. 

I informed the agent that I have obtained lower fixed and variable rates from a competitor. Discover 's competitor offered me the same lending terms ( variable, 15-year ) at 4.7 % interest. My current Discover student loan 's interest rate is 7.00 % ; that includes a .25 % reduction for direct debit. My fourth complaint is that Discover is taking 2.3 % more than its competitor ( s ) over the life of this loan. That amount excessive, and not working with me to reduce my rate to match industry standard is unconscionable.
Consumer complaint received 2017-01-10
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Back in XXXX when we applied for a mortgage loan we supplied the Countrywide loan representative with our tax returns, bank statements, institutions with other funds/assets and we hand filled out the loan application each separately. In XXXX we found out Countrywide gave us a wrong loan. We contacted Bank of America who had taken over Countrywide 's loans and their legal dept. for them to supply us with all the supporting documents in why this type of loan was originally given to us. Please refer to our dispute file sent on XXXX XXXX XXXX. We received a response from the Consumer Protection Bureau that our case was closed. We disagree because with our last filing on XXXX XXXX we requested a copy of what was used when we originally obtained the loan ( Bank statements, credit reports, tax returns ) with all the supporting documents. We 've asked this from Bank of America in XXXX and in XXXX as well but they have failed to supply us with this information. Please refer to the original complaint # XXXX which has all of our uploaded supporting documents. We appreciate all your support and help and we are asking for this matter not to be closed since we did not receive any of the documents we requested justifying their charges and interest rates.
Consumer complaint received 2016-05-17
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: United PanAm Financial Corp. (NY)

i went to XXXX XXXX dealership and purchased a used car. i was approved by united auto credit co. immediately i had a problem with the brakes and i went back to the dealership and they corrected this problem shortly there after with in XXXX days of purchase the car engine blew. i immediately called the finance company and spoke with someone from the legal dept. that sent me over documents to sign off and back out of the loan completely due in part to not having received the title. subsequently i recently pulled my credit report and i see that its showing on there as delinquent and charged off
Consumer complaint received 2016-12-23
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (WA)

I received a letter From Macys explaining my account was delinquent by three months. 
This is the first notice I had regarding the issue, no bill were sent to my email, and I was tild they tried to contact me by phone, they were using an old number that no longer was in sevice. I was charged several late fees, XXXX which was removed. I paid the balance due immediately to avoid any credit damage. I was told the account was paid in full at that time, they offered to connect me with another part of Macys to see about further reducing the late fee. When I talked to the next person I was told they would not reduce the fees and the account was paid in full ( XXXX ). I then received a bill beginning of XXXX stating I owed {$1.00} to the account, still not sure why but I paid it. My balance is still showing I owe {$2.00}. 
I recently had my credit run as was denied a loan based on the the information Macys is reporting. Three months delinquient on payment, all this over owing approximatetly {$160.00} and me paying as soon I was aware of the situation. I have a long credit history with Macys and my accounts have always been in good standing. This report has ruined my credit score and long standing good credit.. I would like a resolution, and have since closed the account with them. I will no longer shop or support their stores.
Consumer complaint received 2016-12-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Blakely-Witt and Associates, Inc. (TX)

A collection agency is reporting that I have an outstanding debt from an apartment community, dating back to 2012. I contacted the collection agent to pay off the debt, but they were asking me to pay more than the amount that was reporting on my credit report. I have asked the collection agency for a detailed itemization of the charges they are trying to collect, because I do not think I owe as much as they are asking for. Unfortunately, they will not provide me with that information.
Consumer complaint received 2016-12-24
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This week - XXXX - I received XXXX letters from Bank of America informing me that 3 of my cards credit limits had decreased, and I am not talking about a small adjustment ; one of the cards credit limit went from {$19000.00} ( established through many years ) to {$500.00}. 
So I printed 2 credit reports to see what had happened, and to make sure my accounts had not been hijacked. In the adverse accounts there were one late payment under {$40.00} in account A last year. Account B had one late payment in 3 years and account C had a small delinquent payment in 3 years. The three accounts were classified as adverse accounts, and one of them was because of an error from another card company. In total the default amounted to about $ XXXX over 3 years and a lot of transactions. Whatever their guidelines to evaluate credit worthiness they are truly defective and deceptive. I had not bought a house, a boat or charged expensive items and my XXXX report shows that my accounts are OK. Even the representative I called at the bank could not believe it ; unfortunately he could not change it but wrote a claim report. The worst part of it is that this
Consumer complaint received 2017-01-09
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Sometime on XXXX 2016, we opened a Bank Account in HSBC BANK USA , NA. Immediately after this, we received XXXX debit cards, on my wife and mine name. After a week or so, the bank account was never opened by HSBC, so we trashed the XXXX debit cards and close our relationship with this Bank. To this date, we are receiving monthly statements on my wife 's debit card showing no activity or use of the card. Today I received XXXX open bank checks on my wife 's name. Being aware of the many cases of happening fraud, I have called the Bank to cancel this debit account. Finally an operator said she can do it if I supply certain information, including our passport number, date of birth and a few other questions. I requested to speak to a manager, without any results. I hope that your Bureau can help us on this matter as it seems impossible to solve the problem speaking with bank. The name of the account owner is : XXXX XXXX, our address is XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX NEW YORK, XXXX. Telephone # is XXXX. Account ends in XXXX. 

Thanks in advance for your help on this matter.
Consumer complaint received 2016-12-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XXXX XXXX, 2015 I bought a new car. The car dealer, without my authorization, submitted my information to multiple financial agencies which resulted in XXXX hard inquiries. I have contacted TransUnion multiple times but their instructions are unclear and when I send information to try and solve this issue it never works. I have XXXX hard inquiries in my credit report, XXXX of which are unauthorized I will thus like them removed.
Consumer complaint received 2016-09-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Systems,Inc. (KY)

I have never received a letter or been called about this debt. I did not know it existed until I applied for an apartment and they brought it to my attention. When I called National Credit Services to explain I have never in six years been made aware of this debt I was told by a XXXX XXXX that my only option was to pay. I fully dispute this debt, as it was for an early termination fee that I was made to understand would be collected from my initial deposit on the apartment that sent this debt to collection. Because it has been six years, I no longer have paperwork regarding that apartment and the apartment no longer exists, as it was bought out by new management years ago. So I am not able to see if the apartment still has records on file. XXXX XXXX also told me I can not dispute the debt and when I asked for written verification of the debt, he said it would take three weeks to send it out to me. Under law, I believe they have five days to do so. I would like to dispute this debt, but the rep from National Credit Systems in XXXX GA refused to give me information besides repeating the amount and name of the apartment. I am also unsure if this debt can legally be collected because of how old it is. When I asked him if it had reached the statute of limitations time limit, he said he did n't know what that was. He puts me on hold for XXXX min in order to avoid my call and I have still never received a letter or call from them.
Consumer complaint received 2017-01-09
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: U.S. BANCORP (CO)

I just received a call from XXXX, a man named XXXX XXXX who informed me that I would get legal action put against me from a US Bank credit card account from XXXX. The statute of limitations is not only up on this account, but I paid it in full through a collection agency called XXXX XXXX in XXXX which has now closed, but record has me paying off my account. The File number is XXXX. I have a letter saying I have paid that account in full. This is also shown as paid in full on my credit report. Please folllow-up with me on this issue. Thank you!
Consumer complaint received 2016-12-14
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (CA)

I opted sign up for Discover Card 's at 0 % APR promotion which expires on XX/XX/2017. I recently reviewed my monthly statement and online account details to find out the expiry date for the promotion because I could n't recall the date. I found that the promotion expiry is not shown anywhere that the consumer can view : not on the statement and not online. After contacting Discover through their chat function tonight, I was informed that the only way to find out is by contacting Discover. This was really upsetting to me because the only reason Discover would choose to do this is to deceive customer by not disclosing this vital information. When I stated my dislike for the policy I was told that Discover complies with all the requirements in informing the consumer. If that is the case, I suggest an investigation be conducted to see how many consumers have unknowingly had promotional periods lapse only to be hit by usurious rates of 25 % afterwards. 

This is likely a violation of Federal Trade Commission Act Section 5. Deceptive Acts or Practices : An act or practice is deceptive where A representation, omission, or practice misleads or is likely to mislead the consumer ; A consumer 's interpretation of the representation, omission, or practice is considered reasonable under the circumstances ; and The misleading representation, omission, or practice is material. This policy is likely also a violation of Regulation AA. 

I have not suffered monetary damages yet as a result of the unscrupulous policy by Discover, but am concerned that many others have likely have unwittingly lost a lot of money.
Consumer complaint received 2016-07-06
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (PA)

SYNCB/FUNANCING said I was late XXXX payment XXXX 2014. I never received a notice saying that I was late. This was paid off XXXX XXXX. They can not go back and see what the issue was. So please check in to it and clear this from my record. 

Thank-You XXXX XXXX
Consumer complaint received 2016-07-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We were XXXX in XXXX, XXXX until XXXX. We then XXXX transfer to XXXX XXXX, XXXX and decided to leave our family in XXXX so our daughter could complete her final year in high school. We then rented our house out as we were unable to sell it after being vacant for 6 months. We lost the renters in XXXX XXXX. We began working with XXXX XXXX XXXX in XXXX to obtain a work out because we were upside down with the mortgage, behind in payments due to my wife 's medical issues, and unable to rent the house for enough to cover the mortgage. XXXX then sold the mortgage to Select Portfolio Servicing ( SPS ) but did not transfer the work out request to them in XXXX XXXX. We have now been dealing with SPS since XXXX XXXX with no resolution. They continue to ask us for the same paperwork that we have already sent them and this is confirmed with their agents that they do in fact have the requested documents. Despite these confirmations they continue to ask for documents that their agents have assured us they have thus dealing the decision and forcing us to accrue late charges and interest.
Consumer complaint received 2016-12-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (KY)

First of all, I have XXXX complaints for the SAME thing from XXXX on my XXXX credt report and it 's on XXXX once. Secondly, I called XXXX to tell them to cancel my service, since my husband had passed away and he was the one who had used it. They did not cancel when they were supposed, and their service was not even used during that period they 're charging for. What really burns me up, is that I had been a customer with direct for more than XXXXXXXX years, and they treat their loyal customers this way.
Consumer complaint received 2016-07-27
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

I refinanced my home mortgage in XXXX 2016 with USAA Federal Savings Bank. {$1400.00} was deducted from my checking acct and a cashier 's check was mailed by my bank XXXX to USAA Bank for receipt by XXXX XXXX, 2016 for my first payment. I followed up with a call to USAA Bank on XXXX XXXX, 2016 and spoke with XXXX in customer service. XXXX stated that they did n't receive the funds that it was n't in their system. XXXX said to call back in five to seven business days. I called again XXXX XXXX, 2016 and spoke with XXXX in customer service. XXXX stated that they never received the payment and that I needed to make a payment before XXXX XXXX, 2016 or late charges would be applied to my mortgage account. XXXX instructed me to get a notarized letter from my bank stating that the transaction occurred and a bank summary of my account transaction for XXXX XXXX, 2016 showing that the the amount was sent to USAA Bank and fax the documents to USAA Bank 's research dept which I did that same day. I again called USAA Bank on XXXX XXXX, 2016 and spoke with XXXX in customer service. XXXX checked with their research department and said that the payment was n't there. I 've also checked with my credit union XXXX XXXX branch many times. XXXX XXXX a supervisor has done an in dpth analysis of my checking account and showed me that in fact USAA Bank did receive the funds on XXXX!, 2016. Until this is straightened out, I 'm out {$1400.00} because of someone 's lack of concern and incompetence. I 'm a XXXX XXXX XXXX vet on XXXX. This is a whole lot of money being taken from me that I really need.
Consumer complaint received 2016-12-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (OH)

I was a customer of XXXX. I had XXXX since 2001. I was contacted by XXXX for being a long time customer that I was offered a package deal to receive an extended amount of channels to watch. But I had to cancel the program before XXXX or I would be charged the price of the package. So I accepted the terms. I did in fact Cancel the package before the end of the program, but was still charged the package price.It has been over 4 years since this has taken place.
Consumer complaint received 2016-11-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (NE)

Regarding breach of contract : On XX/XX/XXXX, I entered into a reaffirmation agreement signed by myself and the then lender XXXX, which was approved by a judge in bankruptcy court in Nebraska. The terms clearly state that as of the date of the new contract any fees were brought current and that the monthly payment included zero additional fees. XXXX allocated a separate fee for property taxes paid by them pre-agreement in XX/XX/XXXX ballooning my monthly payment from the agreed upon amount of {$480.00} to {$1000.00} per month. Subsequently XXXX sold the loan to Caliber Home Loans as of XX/XX/XXXX who inherited the terms of the reaffirmation contract, but have to date not correctly allocated the fees and additional administrative costs they have incorrectly applied. On XX/XX/XXXX a federal court judge and opposing counsel in a legal case I brought against XXXX confirmed that any amount demanded over the approved monthly payment of {$480.00} was indeed a breach of contract and that I could pursue a case in state court. I have spoken to Caliber about this breach of contract over the phone back in XX/XX/XXXX but to date they have not reconciled the account and have mis-allocated the lender advanced fees, administrative costs and deferred interest as it should conform to the reaffirmation agreement terms. Caliber is demanding over {$8000.00} in overdue fees to bring the account current by XX/XX/XXXX or face foreclosure. I was offered a loan modification by Caliber at 3.75 % interest which would have included taxes and insurance in the total monthly payment, but was unable to agree to it by their deadline of XX/XX/XXXX because the amounts listed are incorrect. I would like to have the benefit of a loan modification as I am currently unemployed. I have written Caliber requesting they have the contract reviewed by legal counsel and reconcile the amounts to reflect what they legally represent. If Caliber refuses to comply with the terms of the legal agreement then I will have to sue for breach of contract, but would prefer to set the record straight and move on with a loan modification that is based on accurate terms of the agreement.
Consumer complaint received 2016-12-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IL)

My original mortgage belonging to Green Tree mortgages is now owned by Ditech. According to their own statement rules, a payment is not considered late until after the XXXX day of the month. Based on my pay schedule I can not always pay on the first of each month but am able to pay well before the XXXX of each month occurs. I receive harassing telephone calls from ditech ; chiefly from XXXX, sometimes four to six times a day EVERY DAY from usually the 3rd of the month onward. When I do answer, no one on the other end responds. This is bordering on harassment and I want it to stop. 

Additionally, today is XX/XX/XXXX and I received my XX/XX/XXXX statement on XX/XX/XXXX that includes to payment statement, stub and return envelope. This happens ALL the time with these people and it has nothing to do with my local postal carrier as my other utility bills arrive in a timely manner. Please help, because my next step is to go to my state 's AG office.
Consumer complaint received 2016-11-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

Hello CFPB, I am a customer with Citibank. I use their website to access bank account like millions of other people do it. I have raised an issue with them that their log-in process is less secure due to the fact their password mechanism is no longer case-sensitive. It will make accessing online accounts a lot faster and easier for people who have ill-intentions. I have contacted them through their internal messaging system, but have not received a satisfactory resolution to the problem. I.e. they have not fixed their password bug after I repeatedly reported the problem to them. I would like for Citibank to take this seriously and resolve this issue in a timely manner. 

Thank you for reading, XXXX