davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (TX)

I reported an error committed to my account by western union on XXXX XXXX, 2017. I have reported this to Georgia Department of Bank and Finance as well as the Federal Protection Department. They suggested I report to your department as well. It has been 8 days with no response from your company except for refunding my account XXXX. I have called and I have emailed with no response from your company I need help, I started a money transfer with western union. How ever I received an error message. That said it was not completed and to try again later. So I did try again later and it went thru. Western union how ever sent the money out of my account 2 times causing my account to go negative. I have been told by 8 different people that I am not going to get my money back because the bill payer is not releasing the funds. However Western union is responsible for their system sending it in the first place. Case number XXXX in the amount of {$200.00} please read the email below. I am getting the run around and I do n't have funds to cover all the cost. One supervisor told me that yes it was an error of western union and regardless of bill payer not releasing the funds that I would get my money back in my account before XXXX XXXX, 2017. They are giving me a run around that I am responsible for the transaction that their system gave error message. I have contacted western union 11 times and no one has told me a thing. XXXX XXXX, 2017 the money is not at XXXX XXXX either. XXXX has not received the money and neither have I
Consumer complaint received 2017-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

my Identity was stolen and personal information was compromise. I filed a police report with my local police Office, including the federal trade commissioner, I also set up a fraud alert with all the three credit Bureaus, ( XXXX, Transunion, XXXX ) I contact XXXX XXXX but they could not trace any information. neither they would able to help me the issue please refer to credit report attach
Consumer complaint received 2017-08-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (AZ)

My boyfriend and I have been banking with U.S Bank for a little over a year now. Unfortunately for us and many other americans we have had some unexpected expenses. Recently my vehicle was in the shop and it 's expensive. I have medical payments that continue to grow each doctors appointment I attend. And due to this we have been struggling to make ends meet, with all the overdraft fees we have been assessed. It 's a pattern that 's been very hard to stop since our paychecks are short because of the fees we have been paying US bank. I request the {$180.00} dollars worth of fees to be reversed so it would allow us to get back on our feet and was turned down by a bank who is not compassionate and wo n't consider refunding {$180.00} dollars worth of fees. But it 's ridiculous that these large banks make money off of hard working individuals who are n't millionaires and I can guarantee if I was a rich the fees would of been reserved without hesitation. I do n't understand how it 's okay for a bank to pay a item and charge you a fee when it 's at their discretion. I am writing this so other consumers can be aware of what type of business U.S Bank is. And unfortunately we will be looking into switching to another bank. We recently had a payment go through for homeowners insurance for a little less than {$15.00} dollars and got hit with a {$36.00} dollar over draft dee. We paid rent and we were short no more than {$15.00} dollars and for hit with another {$36.00} fee. All I want is the XXXX dollars of fees to be reversed as a courtesy to allow us to get back on our feet and us bank has wasted my time. I have called, I have emailed them and I even went on social media. This is outrageous and I hope no one else has to go through this. Please please please stay away from this bank that only wants to make money off of young adults and poor people!
Consumer complaint received 2017-08-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC. (CA)

Unfair business practices should not continue upon hard working US citizens.
In my case, and I am sure MIllions of others, has experienced this type of travesty from banks of excessive overdraft fees in one day.
My question is ; how is it determined what transactions are posted first and the amounts?
As well as how transactions are posted is determined, I should not get a fee as a result, as this is again, OUT OF MY CONTROL?
All least transactions should be posted within the available balance and overdraft fees assessed there after on items over {$100.00}.
As a small business owner and single mother, I can not afford the avalanche of overdraft fees that caused major destruction on my account that has caused me to be delayed in paying my mortgage and condo fees.
This is a travesty and should not happen to any one else, for example ; a {$38.00} fee for {$2.00} cent charge.
Due to my long outstanding loyalty and relationship with Suntrust Bank ; I deserve to have all overdraft fees waived as Im not in control on how the banks process payments and when the merchants collect their money and according to my records at various times between the XXXX-XXXX there were credits to my account that would have covered the posted charges.
I should not be charged with these excessive fees of over {$400.00} due to posted debits and credits timeframes out of my control.
As a loyal client the bank should make sure my account is protected, and if charges are to be assessed they should be minimal.
Consumer complaint received 2017-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (IL)

I deposit {$4500.00} into a cash deposit for my girlfriend, and Sunday XXXX stole the money intended for my girlfriend, I went back to the Wells Fargo Bank to report to them that my money was stolen by a scammer who took my girlfriend money. I made a police report with the XXXX Police Department, as well with XXXX. I want this fraud be investigated and find those out there scamming people out of their money. XXXX XXXX
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: EQUIFAX, INC. (FL)

Equifax has continued to report an inaccurate bankruptcy on my report, and claims to have verified it with XXXX XXXX and the XXXX County Federal Courts. I contacted the courts and they responded with a letter stating that they do not report to 3rd party agencies nor do they give out any information from the courts on the phone. I also contacted XXXX XXXX because I had a security freeze placed on my file on XXXX XXXX, 2017 due to identity theft. XXXX XXXX advised me that they can not release information to 3rd parties without my written consent. Obviously, Equifax has failed to reinvestigate my disputes. The Federal Court and XXXX XXXX are not the method of verification. Remove immediately! I will start legal action if needed.
Consumer complaint received 2017-08-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (MA)

Navient by far is the worst student loan provider. I am not available during their business hours to talk about the services of my loan. I received and email stating " the program I am entered in is ending XXXX 2017 ''. I took the proper action in writing to them asking how much my payments would go up -- as I can not talk on phone during their business hours as I am working and paid to do so not talk about personal affairs. I have tried for 3 days to get the amount of how much this loan will be going up. NO ONE has been able to answer my question. They all say to call even though I CAN NOT TALK DURING WORK HOURS. I have put in writing that if I am in auto pay that this new amount whatever it is ( since again they will not disclose nor on the website any where does it state what the new amount will be ). They do NOT HAVE PERMISSION to deduct any amount other then I agreed to of XXXX. ( which Is all in writing in several several emails as well ). AS no permission will be granted. I am looking for disclosure of my loans. If they can send out an email stating that this program I entered is going up -- some where on their site MY INFORMATION should be made available. But nobody is willing to direct me in any direction nor let me know where to look! As I am waiting for the end of the month to make sure THERE IS NO NEW DEDUCTIONS, as I have everything in writing.
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 — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

I have been trying since XXXX 2017 to get my XXXX card to update on my 3 reports after a three was call XXXX finally updated. Upon several more attempts equifax and experian for some reason wo n't update it. XXXX XXXX has sent me a letter stating they have reported to all three several times and to contact them directly to figure out the problem. When I call the two they say they report what is sent to them. My husband and I have spent 100+ hours on the phone back and forth and nothing seems to be getting solved. Can you please help. I have the letter if I need to fax to you I will.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I reviewed my credit report and XXXX has listed my XXXX payment as delinquent. My payment due date is the XXXX of each month and my XXXX payment was submitted on XXXX XXXX. It was not past due as indicated on my credit report.
Consumer complaint received 2017-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

This company is trying to collect {$510.00} from me for a debt they claim I owe. I have written them several letters since XXXX 2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Consumer complaint received 2017-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA)

Rushmore Loan Management, LLC is the servicer on my mortgage loan sinceXX/XX/XXXX. They have incorrectly placed my mortgage in default. I provided every month of proof of payment between XX/XX/XXXX through XX/XX/XXXX and they have not corrected this. Rushmore now says that it is due to a payment XX/XX/XXXX prior to them servicing the loan. I 've asked them why they are trying to collect on the loan prior to them servicing loan. They stated XXXX XXXX XXXX transferred loan stating I was one month in default and did n't receive XX/XX/XXXX. I have provided copies of proof of payment and the cleared & endorsed check by XXXX XXXX XXXX for the XX/XX/XXXX payment. Now, Rushmore states that it is due to an XX/XX/XXXX missed payment. I explainded that payment was n't required because I have a statement with XXXX Balance due because an adjustment that was made due to a Modification from XXXX  XXXX XXXX. I have provided that information and Rushmore Loan Management continues to keep my loan in default. Please see copy of the XX/XX/XXXX statement with zero balance due.
Consumer complaint received 2017-07-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (OH)

I opened an account on XX/XX/XXXX and was promised a {$250.00} bonus. I did the requirements and never received the bonus even though they said I would receive it. I emailed them multiple times and they just say " We 're escalating the situation. '' But nothing has happened. <P/><P/>Here are some of the messages : Subject : Re : Account questions or requests ( XXXX ) From : Customer Service Received Date : XX/XX/2017 Timestamp : XXXX Contact Us Dear XXXX XXXX : Thank you for replying to our recent email. My name is XXXX, and it is my pleasure to assist you today. <P/>I received your email regarding the {$250.00} promotion bonus offer. I certainly understand how important it is to have this information and I am happy to assist. <P/>XXXX XXXX, since the requirements and guidelines have been met to receive the promotional credit to your primary Wells Fargo account, the promotion bonus will post to your account within 45 days after requirements have been met. <P/>If you have additional questions or concerns, please respond to this email by clicking on the " Reply '' button or call us anytime at XXXX. <P/>On behalf of Wells Fargo, thank you for your business. We are happy to have you as our customer and appreciate the opportunity to assist you today. <P/>Sincerely, XXXX XXXX. Wells Fargo
Consumer complaint received 2017-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One credit card services charges me a annual fee which I was not notified of via email or mail. I owed nothing on this card so no monthly fee was due. I was then charged and not notified and then proceeded to submitted a noticed to the credit bureaus that it was delinquent. I have used the card or spent money. They submitted I was delinquent using my credit card event through I did n't use it. I have been trying to take action with capital one but getting nowhere and they are being supportive. My credit was effected over XXXX points and has increased all my rates with other companies creating a hardship. Please help
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: BMW Financial Services NA, LLC (VA)

I have made numerous complaints to BMW Financial Services concerning the following account XXXX. BMW Financial has refused to accurately report the above mentioned tradelines on my XXXX Credit Report I requested to speak to a representative in the Credit Reporting and Bankruptcy Department and was told by XXXX in customer service that she couldnt transfer me to the anyone to speak to about my situation. I explained to her the way the account was being reported was incorrect. She said that it was acceptable to report the repossession status in conjunction with the bankruptcy. I informed her that the reporting was incorrect and that it was considered to be continued " collection '' activity and that it violated my rights under bankruptcy protection. I am demanding BMW Financial Services to delete this account or will escalate my case to the higher authority or pursue other legal remedy.
Consumer complaint received 2017-07-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

I opened Santander Simply Right Checking account # XXXX on XX/XX/XXXX. <P/>There was a promotional offer for a {$150.00} bonus for making a {$500.00} direct deposit within 90 days and keeping the account open for 90 days. I met those terms. <P/>I was denied the bonus in a letter from Santander on XX/XX/XXXX, citing that I had closed a previous account on XX/XX/XXXX, and that the terms of the offer said I was not eligible because I was " an account owner within the last 12 months of the new account opening. '' That is not what the offer terms were, however. They stated : " Offer is not available to current or former Santander customers who opened a Santander checking account between XX/XX/XXXX - XX/XX/XXXX. '' I did not open an account in that time period. <P/>I expressed this to Santander customer service in secure messages and via phone to no avail, and spoke with the Corporate Compliant Manger over the phone a few weeks ago and did n't hear back. They say that the offer was not eligible to anyone who had an account within the past year of opening a new one, but the actual offer terms clearly and plainly say only those who " opened '' one in that time period were ineligible.
Consumer complaint received 2017-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

Chase bank notified me of possible fraudulent activity relating to my debit card/checking account. I check to look at the activity and it indeed was not myself making the ATM withdrawals. I noticed that over {$4000.00} had been taken out. I opened a claim with them but they said that since I logged into my account during the time of fraud that it 's considering " monitoring '' the account so they will not honor my refund. I had the card with me the whole time and I confirmed with a chase representative that the withdrawals were made with a card that did n't have a chip ( i.e. Chase security failed me and someone duplicated my card and got my PIN ). Additionally I was not near any of the ATM 's during the time of withdrawls.
Consumer complaint received 2017-07-11
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Equitable Acceptance Corp (NC)

On XXXX2017 I contacted XXXX XXXX of the XXXX XXXX XXXX XXXX This was the email I sent after shortly finding out that they were a fraud student loan company " Hi, My name is XXXX XXXX XXXX and you can reach at XXXX XXXX. I wish to cancel this loan agreement because is agreement is incorrect in regards to the information that was provided. I was mislead and I want to cancel. After reading the BBB reviews and complaints you guys are not the type of company I want to deal with please reverse everything! '' They then sold my contract to another company called XXXX XXXX XXXX in California in which I repeatedly asked them not do because I was going to stay with XXXX after finding out about their fraudulent company.
Consumer complaint received 2017-07-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUN LOAN COMPANY INC. (TX)

I have requested validation from this company and was sent a statement but still no signed legal instrument of indebtness with my physical signature. This company also updated information with the credit bureaus while this account was under investigation. I have attached statement that I was sent as well as the information and dates showing that this account was updated with the credit bureaus during the investigation
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Yes, Bank of America, has decided to closed my account without my warning, I have been with them for almost 20 years. and they wanted to treated me with no respect! I have my money inside my checking account and they never mailed me my check or gave my money! not sure what's there issue! just because I'm going through some personal stuff this years doesn't mean they have to shut down my account and make me their target!
Consumer complaint received 2017-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (IN)

I paid off my mortgage loan in full on Wednesday, XX/XX/XXXX and have not received my {$920.00} escrow refund within 20 business days as required by RESPA regulations. It has now been 28 business days and after repeated calls I am constantly told that the " check is in the mail ''. My online account activity states that the escrow funds were disbursed on XX/XX/XXXX however when I just spoke to the Mortgage company 's escrow representative they state that the funds were mailed on XX/XX/XXXX ( conveniently the 20th business day ). I stated that I just received mail today that was sent on XX/XX/XXXX by my current mortgage servicer and again told " I will receive in mail '' with no remedy on receiving these funds. I believe that this constitutes violation of RESPA regulations since the company has not offered to take any actions to expedite the delivery of funds that I should have already received. It has been very frustrating to deal with this mortgage company and I believe that they are not properly equipped/staffed to satisfy customer complaints. I stated very clearly that I felt this was a violation of RESPA and that I would place a CFPB complaint and they did not attempt to take any further actions to remedy the situation.
Consumer complaint received 2017-07-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AmeriCollect (NY)

I started contacting the company asking for validation of this debt letter dated XX/XX/2017 the collection company wrote back say that the debts are being validated XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I sent a letter back to them asking for an update on my validated debts because it had been past 30 days and i have n't received an update. On XX/XX/XXXX they sent a letter deeming my request for validation as irrelevant and frivolous. They had already started the investigation gave me no information to prove this debt was valid