davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-09
Product: Credit card — 
Issue: Advertising and marketing — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

I am a member at XXXX ( XXXX ). At XXXX I have an XXXX credit card. This card had a promotion going through XXXX XXXX, 2016, to make five purchases, each & gt ; {$25.00} to get a {$10.00} bonus credit to the account. I complied with terms, and XXXX agrees. XXXX has not complied, and they acknowledge so. This bonus is a marketing promotion, a small amount for each customer ; however, there is a disclosure/compliance issue now, many XXXX customers in Massachusetts, where I live, and across the US, may be also affected -- possibly all who have XXXX cards there. XXXX has not credited the bonus as required, and despite my calls escalating to their executive resolution team on three occasions. At each level XXXX acknowledges fault, promises a resolution, but does not call back in the promised timeframe. Since many XXXX XXXX card customers may be affected similarly, I ask that you follow up with an inquiry there. I am asking XXXX to cooperate with you on my XXXX account and provide info to you as necessary. To summarize, the issue concerns XXXX noncompliance with its bonus offer on the XXXX card during XXXX, 2016. I have also filed with the Massachusetts Attorney General and XXXX
Consumer complaint received 2016-05-06
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CNG FINANCIAL CORPORATION (GA)

I have made my payments of {$670.00} on time or ahead of time, example on XXXX XXXX 2016 my payment due for XXXX XXXX was paid, Principal and Interest was paid. So I tried to be proactive so on XXXX XXXX I made my payment due for XXXX XXXX again Principal and Interest was paid. Now according to the receipt my next payment was due XXXX. This is where I have asked this Company to explain what happened with this payment. On XXXX I made my payment due XXXX ahead of time. When Sat down to review my payment tracking I noticed that my entire payment of {$670.00} was placed in Interest only and nothing to principal. I spoke with the manager and she gave me two versions as to what might have happened, one reason was a computer glitch and the other one was that they had paid to much to principal when the interest should have been more in the month of XXXX XXXX. 

No response from District Manager when I have left two phone call messages in mid XXXX and no response from the Home Office when I emailed a complaint late XXXX asking for some kind of explanation or understanding as to what happened here. My understanding is if my payments is a set amount of {$670.00} and I am paying ahead of time I do n't believe I should have any uncollected Interest or a whole payment going towards interest. I do n't know, that is why I asked them to give me an answer. Because it seems like If I 'm only paying interest ahead of principal I will never pay this loan off. Now on XXXX XXXX my payment due for XXXX XXXX was paid ahead of time and just like my other payment ( except XXXX ) principal and interest was paid. I do n't think I 'm asking for too much to know where my money is going. I have been waiting a month to hear from the home office and longer from the District manager. Never missed a payment, never late has the making of a responsible customer and this is has I get treated. To me when you avoid talking to me that 's a sign that something is not right. I have my receipts as evidence to help figure this out, like I said I 'm not a financial wizard, I may be wrong but I would feel better if I got a better explanation than the two that I got from the store manager. Thank you for your assistance in this matter.
Consumer complaint received 2016-10-13
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (MD)

I submitted an online HELOC application to Wells Fargo. In the submission process the applicant ( me ) is advised that a email confirmation will be sent once the application is submitted. I completed the application, and expected to receive a notification email from Wells Fargo. I did not. Then 1 - 2 days after I submitted the online application, I called Wells Fargo Consumer Lending to follow up. I was advised that an email had been sent, but to an email address which is not mine. At this time, I asked that the question of the incorrect email address be addressed and escalated. I have received no response as of this date. I have again, today XXXX XXXX 2016, contacted Wells Fargo, and have been told that there is no status or information available to me for this complaint.
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MN)

I was affected by the Equifax breach. Someone has stolen my identity. I've taken every precaution to try to secure my information. I've put freezes AND extended fraud alerts on all 3 credit bureaus SEVERAL TIMES ( XXXX - XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) ( Equifax - XX/XX/XXXX ; XX/XX/XXXX ; and I locked the account myself online around that time. I also put a promo block on XX/XX/XXXX ) ( XXXX  XX/XX/XXXX ; XX/XX/XXXX {$5.00} ; XX/XX/XXXX ; XX/XX/XXXX {$5.00} ; XX/XX/XXXX and XX/XX/XXXX ) and they were allowed to be lifted by someone who was NOT ME. I have put verbal passwords in place to ensure nobody can alter my information, but they were either overlooked or accepted pending further questioning to " prove my identity ''. The " further questioning '' consists of questions giving multiple choice answers to someone who has already stolen my identity and can see the answers on my credit report. In one or 2 cases, someone was allowed to fax in " my '' drivers license for the freeze to get lifted. It was NOT MY DRIVERS LICENSE. I shouldn't have to feel like I'm protected over and over again, only to get alerted by my credit monitoring company that new inquires or tradelines are again being opened in my name. I'VE ALWAYS LIVED IN MINNESOTA. The fraudsters have given me an address in XXXX. XXXX XXXX XXXX XXXX # XXXX ; XXXX IL XXXX. I'VE NEVER LIVED IN XXXX! I have spoke to multiple people at the 3 credit bureaus who assured me none of my information would change, YET IT DOES!
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I took out lease XXXX of XXXX I immediately setup a monthly recurring payment with my bank XXXX. every month on the XXXX XXXX sends payments to XXXX XXXX financial. XX/XX/XXXX XXXX had a glitch in their system and did not send payment to XXXX XXXX. I contacted XXXX and they don't have an explanation why payment was not made. I provided proof to all credit bureaus showing I had the funds available, proof that I had a monthly recurring payment setup, showed them I still had XXXX more payments scheduled and credit bureaus will not remove late payment posted on my credit reports.
Consumer complaint received 2018-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (IL)

XXXX XXXX XXXX Is my mortgage servicer. I written to them on XX/XX/XXXX asking for information regarding fees that has been charged to my account asking them to give me a written explanation on each fee because they have been charging my account every other month with a fee and sometimes two or three fees in one month. Fee, s that I have paid with out and explanation on XX/XX/XXXX {$35.00}, XX/XX/XXXX {$310.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$35.00}, XX/XX/XXXX, {$190.00}, XX/XX/XXXX {$35.00}, XX/XX/XXXX {$110.00}, XX/XX/XXXX {$35.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$950.00}, XX/XX/XXXX {$560.00}, XX/XX/XXXX {$390.00}, XX/XX/XXXX {$250.00}, XX/XX/XXXX {$890.00}, XX/XX/XXXX {$83.00}, XX/XX/XXXX {$75.00}, XX/XX/XXXX {$560.00}, XX/XX/XXXX {$62.00}, XX/XX/XXXX {$400.00},. This is a total of {$5200.00} cent, s. This company XXXX XXXX has only been the servicer of my mortgage since XX/XX/XXXX from XXXX XXXX XXXX they also played deceptive games with this loan. XXXX XXXX said on my XXXX from that I owe {$100000.00} I haven, t owed this amount since the year of XX/XX/XXXX my XXXX, s for XX/XX/XXXX and XX/XX/XXXX need to be corrected. I feel that for the year of XX/XX/XXXX I have paid XXXX interest on a {$100000.00} instead of paying them interest on {$100000.00}. I received on XX/XX/XXXX a pay off letter from XXXX and it stated that the pay off amount was {$94000.00} but on my XX/XX/XXXX XXXX it says that outstanding balance is {$97000.00} I feel that I have paid interest on {$97000.00} instead of XXXX or what was owed after I had paid on the mortgage for the year of XX/XX/XXXX. This information comes from my mortgage history and correspondence that they XXXX XXXX XXXX have sent me and it can be proved for each fee that I have paid I want a explanation on what that fee was for. And they are in violation of 12CFR1024.35 or 1024.36 b.
Consumer complaint received 2018-02-26
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: COAST PROFESSIONAL INC (VA)

XX/XX/XXXX, Coast Professional llc sent my employer a US government wage garnishment order. I responded with a copy of my list of schedules in which they were included on XX/XX/XXXX. This company has instructed the payroll associate at my place of employment to mail the payments to the National payment center for the department of education, not XXXX XXXX. The Department of education has canceled my account and I was told that if I have any questions regarding my account to call XXXX XXXX. XX/XX/XXXX XXXX XXXX   was contacted by me per the Department of Education, who did not notify me that they were taking XXXX XXXXXXXX of my federal taxes, nor did they notify the IRS, and the Department of Treasury who told me that the Department of Education does not have to notify me yet I have proof of my discharged debts that have been forwarded to them and a letter from the Department of Education stating that no delinquent account could be found with my name or social security number. yet, there are no records of any of my money, my wages are being garnished by a collection agency that has been included within my bankruptcy and, neither the Department of Education of XXXX XXXX will give me any answers or answer inquiries about my money. The Department of Treasury has not investigated my social security number or the companies involved in my bankruptcy. I am not at fault for individuals incapable of doing their jobs or clerical errors.
Consumer complaint received 2018-02-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (NJ)

I tried to send money to the XXXX but Remitly just cancelled it for no reason and the thing that made it worse was they deducted the money from my bank account and when I called their customer service they just told me that they will refund my money within 3 days. Although they returned my money within 3 days but I was not able to send money anymore on that day to my love ones in XXXX.
Consumer complaint received 2018-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a paid and closed account on my credit file from XXXX XXXX XXXX. This account was paid and closed in XX/XX/2014. to this day XXXX  & transunion reports the CURRENT STATUS as 120+ days past due. How can that be a current status when the account is paid and closed? and has been for over 3 years now.

The current status should be reporting as Paid & Closed or Closed, not late!

This reporting is very damaging to me, and is causing me problems when I try to pursue a mortgage. this current status reporting needs to be corrected as its incorrect
Consumer complaint received 2018-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (PA)

I have received over 23 calls from diversified consultants ( XXXX ) for a debt owed by a XXXX XXXX over the past two years. I have told them I am not him nor have I ever heard of them. When I tell them this they either become argumentative or abusive with foul language. I have asked them to stop calling which they never do.
Consumer complaint received 2018-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On XX/XX/XXXX i paid my XXXX XXXX Bill with my bank card. The amount was : Payment received on XX/XX/XXXX - XXXX XXXX -XXXX Payment received on XX/XX/XXXX - XXXX XXXX -XXXX Fith THird bank claims they didnt process it when I I disputed some other chrages on my card. Fifth Third said that the payments was pending. But never told me they were paid. After 14 days they ( Fith Third ), charge back my payments and casued my account to be in the negative as of now. I'm very upset. The people at XXXX XXXX have received their monies since XX/XX/XXXX and not Fith THird is trying to hold me accountable for these payments that was made and thye screwed up. I'm asking for my account to be in the positive and hold them accountable for the monies that thye should have paid to my XXXX XXXX account..
Consumer complaint received 2018-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (FL)

Good afternoon, I receive continues and annoying phone calls from this debt collector. They do not let me finish when I try to explain that I am not the person they are trying to reach. This is every day and every week. 

This needs to stop please!
Consumer complaint received 2018-02-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

This is my 2nd complaint against ocwen loan servicing. First compliant # XXXX. 
Since the initial compliant I've been inundated with request for duplicate documents. This has been going on for almost a year. Now i received a letter stating i have a new account manager and he is requesting all the same paperwork already submitted months ago! I'm attaching my most recent email to him explaining EXACTLY whats been happening. Now instead of ocwen calling me, like they've always done, now they are calling my boyfriend 's phone leaving messages in XXXX! I've never come across a company with such less than competence and willingness to work with people of all ages, backgrounds, situations and income statuses. All I'm trying to accomplish is reformatting the mortgage to be able to make monthly payments and also to pay back the money i owe. I'm begging a company to work with me and take my payments and i still have no success with ocwen loan servicing company.
Consumer complaint received 2018-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

My CC account was recently closed without any prior notification. I only learned about it when I received a letter stating it was to be closed. I immediately called customer service and was only told nothing could be done other than apply for a new account. Now, if I were to apply for a new account it affects my credit score ; if I allow you to close my account it affects my credit score based upon available credit. 

My husband and I both have 800+ credit scores, I would think I am the client Capital One would wish to keep and there has to be a way to re-open an account that I did not request be closed. Had I received a notification that I needed to use the card to maintain the account, I could have easily done so..that wasn't communicate that. 

I was only provided a fax number to send my compliant to, which I did several weeks ago with no response.
Consumer complaint received 2018-02-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/2018 I have been paying interest only on my HELOC ( BofA ). ( background information : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX. They said the term is up and from my XXXX monthly payments ... it will now go up to {$270.00}. a month. 

I asked for a remodification of the XXXX owed. They sent me paperwork for NOT JUST MY HELOC ... but also for my first mortgage. Which I never asked them to do! 

Now I'm getting phone calls and they hang up on me when I try to respond! I will borrow the {$270.00} they ask for ( due XXXX XXXX, 2018 ) ... but am trying to find an outside loan source in the interim to get RID of this company. 

Are all XXXX XXXX  treated this way by Bank of America??
Consumer complaint received 2017-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

i have been disputing these accounts reporting on my credit report since i pulled my credit report on XXXX XXXX, 2016. i have sent dispute after dispute and documentation requesting that they delete these accounts from my credit report as I have never done business nor know of these accounts. The FCRA requires that all credit reporting bureaus are supposed to verify before this information is added to your credit rile. I have asked on numerous attempts for them to provide me documentation showing i signed and agreed and they have not provided me these methods of verification saying they have verified these accounts as accurate.
Consumer complaint received 2018-02-26
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (TX)

Dear sir, In the month of XX/XX/XXXX, we purchased furniture and " XXXX XXXX XXXX ''. They provided consumer financing advertised as 0 % APR for the first one year financed by XXXX XXXX. 

We availed that option, and within the first year, we were able to pay-off almost all of it. We were left with a balance of {$190.00} end of the year. 

While we were expecting that there will be only interest charged on the remaining balancing going forward after the 0 % APR expired, we were surprised to get charged a amount of {$670.00} as accrued interest on the account for all previous year 's balances, which we left very unfair. 

There was no verbal disclosure of any sort about it when we purchased it at the store, and even in the last statement that comenity bank mailed us, they did not disclose range ( $ XXXX- {$700.00} ) of the amount they were going to charge as accrued interest, if the payment is not made as of the last day. If their computers can print all the account information item wise, they should have the capability to print the range of accrued interest if the payment is not made. I overlooked their statement as it did not shoot out of normal, and when I called the bank, they declined to take the charge out of the account. 

As of yesterday or XX/XX/XXXX, I paid the account in full, but I ask your help in getting this reimbursed back. 

Thanks XXXX XXXX XXXX
Consumer complaint received 2017-08-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (FL)

As of XXXX XXXX, XXXX, I owed XXXX XXXX, dba Comenity Bank {$450.00}. On XXXX XXXX, XXXX I paid them {$300.00} although my payment was n't due until XXXX XXXX, XXXX. The mortgage company that I am working with to buy a home required that I pay this account in full so on XXXX XXXX, XXXX, I paid the remaining {$140.00}, still days before the due date. Since they did n't show the now {$0.00} balance on my online statement we had a three way call with someone from Comenity Bank along with myself and someone from my mortgage company to confirm that I had a XXXX balance. A few days later I go to check and see if the online statement now reflects a XXXX balance and instead I see a balance of {$6.00} which was added to my account a week AFTER I paid this account in full. When I questioned it this is the response I received from Comenity Bank : " Your question in regards to the interest charge is understandable. On your previous statement, we informed you of an update to your Credit Card Agreement ( CCA ). This notification was to inform you that beginning on your next statement, purchases made outside a Grace Period would be assessed trailing interest resulting in a finance charge after the balance is paid in full. Interest is charged from the transaction date until the balance is paid in full. Since interest is calculating until the date the payment is received, you will receive a statement for the interest charged in the previous billing cycle. If you pay the trailing interest finance charge statement by the due date, you will not be assessed finance charges during that bill cycle the following month. '' Keep in mind that I had not made any purchases at XXXX XXXX in months and also I, like many people these days, pay my bill online. While I do receive a " paper bill '', I do n't even look at it as I know when my payment is due and I pay it days before it is due so they slipped in this " trailing interest '' without me knowing about it. I feel it is completely unethical for any company to do this especially when they have already charged the consumer over 20 % interest. While this {$6.00} does n't affect me financially, I feel it is an underhanded practice and should be investigated. Sincerely, XXXX XXXX
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have been mistakenly marked late on my mortgage due to issues within the loan servicers and how my payment was processed. I 've sent the bureaus my documents because recently I applied for credit and was declined because of these remarks. I tried to come up with supporting documents to show when I paid. I 've disputed and sent mail directly to the credit bureaus and am not having a ton of success. I did upload the letters that were sent. just recently. My husbands report was also affected.
Consumer complaint received 2018-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (FL)

PNC bank has sold my signature i suspect because i traced down some numbers on a returned check to a financial institution in XXXX, strangly enough on another returned check i have from somewhere else i found the numbers in the lower right corner also that traced down to a XXXX corporation,,,,,,,,, so why is PNC bank asking me for or claiming i owe them something when they sold the original instrument of indebtedness and made plenty of profits, and why cant they produce the original instrument with wet ink signature, why is it a secret what they do with these signatures, look up the number XXXX and tell me what you find, im gettiing to the bottom of this fraud