davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-22
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE (FL)

Item purchased not as described and vendor would n't answer means of contact provided on invoice for return, no address provided. As a result of not being able to contact the vendor I opened a dispute ( Case ID XXXX ) with Juniper bank specifically noting I could not get a response from the merchant and an address was n't available. A received a denial letter on XXXX/XXXX/16 stating the vendor had n't received the product back yet and Juniper stated the dispute was closed. I acknowledged said fact as it was the entire reason for opening the dispute and as requested by Juniper I sent a written request to reopen the dispute on XXXX/XXXX/16, they obliged. On XXXX/XXXX/16 Juniper called me and noted the dispute was re-opened and I verbally requested the vendor 's address for return. They said they 'd call me back. On XXXX/XXXX/16 I called Juniper and requested the address for return and was told the dispute was closed. I informed them it should n't be as they already acknowledged receipt of my XXXX/XXXX/16 letter requesting re-opening. The Juniper agent, said " ok it 's opened again '' and I yet again requested the vendor 's address. Juniper said they 'd call me back. On XXXX/XXXX/16 I called Juniper again and requested the address, the rep. gave it to me this time and I asked, " will I receive the full refund upon the vendor receiving the returned merchandise? '' The recorded response was, " yes provide us with written tracking that it has been delivered and we 'll credit your account. '' I shipped the package on XXXX/XXXX/16 and upon delivery provided Juniper with written documentation of its delivery. On XXXX/XXXX/16 I received a letter stating I would not be receiving the credit as the case has been closed since a letter dated XXXX/XXXX/16, one I never received. Also note above everything that happened after XXXX/XXXX/16, XXXX/XXXX/16 the operator noted it was re-opened and XXXX/XXXX/16 being told to mail the merchandise back for a credit. Why if it were closed are they telling me to send merchandise back? Only after I jumped through all of their hoops and incurred additional ( return shipping expense ) did Juniper renig on their offer. I called and spoke with a so called Sr. Customer Service Management and asked why I was told to send the merchandise back on XXXX/XXXX/16 if the case had been closed since XXXX/XXXX/16? I was told the ( XXXX/XXXX/16 ) rep. did n't have the authority to do so and for me to deal with the vendor!!?!!? I guess the Sr. Customer Service Manager did n't even read the file or she 'd know that 's the entire reason for the dispute in the first place. I asked Juniper to stand behind their XXXX/XXXX/16 rep. and they would not even though it 's on a recorded line. The Sr. Customer Service Rep. said she would need a RMA from the vendor ... ... ... ... ... .the one I ca n't get in touch with and proved to Juniper multiple times throughout the process.
Consumer complaint received 2016-05-21
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: SYNCHRONY FINANCIAL (MT)

In 2014 I purchased a XXXX XXXX exercise machine for approximately {$3000.00}. I was offered a promotional no-interest finance arrangement. I asked for and was told that the monthly payments would cover the promotion period and that I would not be charged any interest as long as I made those payments and that this would cover the purchase in full. I unfortunately did not pay close enough attention because this was apparently not done. Now I discover I have paid over {$1800.00} in interest and still owe {$2100.00} on the note. I offered to pay the remaining principle balance of $ approximately {$1100.00} but was told this would not satisfy the obligation. I am being charged 29.99 % interest on the unpaid balance. I told them this was unacceptable, if not criminal, that I was misinformed or lied to and that I would not be making any further payments.
Consumer complaint received 2016-05-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: LTD Financial Services, L.P. (CA)

LTD Financial Services is fraudulently attempting to extort monies from me fully knowing that I did n't, or ever have signed ANY document, agreement, or application with them. 

Per Federal Law, they have NOT provided any of the above mentioned documents, and need to immediately cease with their fraudulent extortion attempt.
Consumer complaint received 2016-09-12
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (VA)

Ditech is the current XXXX mortgage holder after it was with Greentree after being at XXXX XXXX. For one I recently filed bankruptcy and the company wanted me to reaffirm the debt, but after reading paperwork they sent the courts the were unsure of my original interest rate and my initial request for modification with green tree disappeared. Then on the paperwork they stated that the loan was able to be discharged, and collateral did not secure the loan. I would like them to remove the lien and the loan because when I call back, the supervisor advised me that was an error by who processed it and just because they sent to federal bankruptcy court did not count. I feel this is fraudulent and they are deceitful.
Consumer complaint received 2016-11-26
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (FL)

On XXXX XXXX, 2016, I activated a Regions Cashback Rewards offer to earn {$75.00} cash back when I made XXXX transactions with XXXX XXXX XXXX of at least {$15.00} using my Regions debit card. I made XXXX transactions of at least {$15.00} on XXXX XXXX, 2016. Per the terms and conditions " Your {$75.00} Cash Back is earned within 30 days after making your second transaction. '' As such, the {$75.00} was earned on or about XXXX XXXX, 2016. To date, the {$75.00} has not been paid out by Regions bank, despite confirmation from that the purchases qualified. I have contacted Regions in attempt to resolve this matter prior to contacting the CFPB, however the response I received was that it actually takes 60 days to post these funds to my account. Unfortunately, that is in direct contravention to the explicit terms and conditions of the offer.
Consumer complaint received 2016-06-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

Someone stole my personal information and identity to open up unauthorized and fraudulent accounts using my name. I have received harassing and threatening telephone calls and death threats from various credits, for unauthorized and fraudulent accounts that do not belong to me. The following unauthorized and fraudulent accounts do not belong to me : XXXX, XXXX XXXX XXXX, XXXX XXXX. The following inquiries are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX, XXXX, XXXX XXXX XXXX
Consumer complaint received 2016-06-25
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP (OH)

I received a call from USBANK stating that the free Overdraft protection is not active on my account and they asked me if I want it activate, so I said yes ending the conversation with that. After, a couple of days I check my account and USBANK has made hard credit inquiry and have opened a new credit card without my permission. 
First of all they never told me that they are opening a new credit card They did not tell me, they were going to do a hard credit inquiry They did n't affirm my identity upon calling my phone number. 
I have also the recording of the conversation that I had with the USBank representative, where all I said was yes to overdraft protection.
Consumer complaint received 2016-05-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliance One, Inc. (CA)

AllianceOne is fraudulently attempting to extort monies from me fully knowing that I did n't, or ever signed ANY document, agreement, or application with them for ANY service, or contract. 

Per Federal Law, they have NOT provided any of the above mentioned documents, and need to immediately cease with their fraudulent extortion attempt.
Consumer complaint received 2016-12-28
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America has taken advantage and manipulated my disable husband who has been unemployed since XXXX. Bank of America signed him up to a bogus insurance company call XXXX where you can only collect if you die in an accident. My husband has been under my insurance for the past 18 years. Bank of America has manipulated my XXXX husband and took advantage of a longstanding customer. We have been banking at Bank of America since XXXX, and to show how they appreciate our loyalty in XXXX they notice not much activity going on and began depleting our live saving. I am completely disgusted that they will take advantage of loyal customer. I am expecting this matter to rectify and all funds to be returned in full immediately. if not i will persued with my lawyer and expose Bank of America. I thank you for your help.
Consumer complaint received 2016-11-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION (PA)

Dear XXXX, - XX/XX/2016 I made a mobile deposit of a check of the amount of {$1900.00}. ( see attached copy XXXX The check is made to my older brother XXXX and was properly endorsed before it was deposited in my Account at M & T bank. 

-XX/XX/2016 funds were made available into my account total {$190000.00} -I then proceeded to write a check for the deposit for my apartment for the amount of {$1100.00} XX/XX/2016 at XXXX am, I received a call from the branch stating that the check was declined. 
I went to the branch who then explained to me that the check was presented before the funds were available, the branch then issued me a certified check in the amount of {$110000.00} I was then on my way to the rental office when the bank teller who provided me with the check called and said that I needed to return the certified check and that her XXXX posted a " hold " on my account stating that she needed clarification as to where the check was from and the needed to hear he story about the check. 

I called my brother who went with me to the branch, not only did he take his ID, he took the check to show the Branch XXXX : XXXX XXXX XXXX XXXX Vice President Senior Branch XXXX XXXX XXXXXXXXXXXX The Branch XXXX proceeded to embarrass us by speaking rudely " I need to see your ID immediately, I need to hear you say out loud that you wont deposit this check " " you need to sign on a piece of paper so I can see that it 's your signature " She repeatedly kept saying this to my brother who stayed calm and complied ... 
XXXX then continued to say that she does not know or ever heard of my brother employer ( diamond resorts international, a multi XXXX dollars publicly traded company btw ). in an effort to make her feel comfortable my brother said that he undertands how regulated her business is and that he himself had worked over a decade on XXXX ad she could google him and see that he is who he is. 

XXXX XXXX then said " fine ill release your money on saturday XXXX '' XXXX minutes later around XXXX PM XXXX called me and in her continued extremely rude tone told me that " I just googled your friend, and I dont like what I see here '', and continued to read all kinds of irrelevant private information the she said. 
" I am not going to release this money, I 'm going to hold on to it for another week so I can call my XXXX department and you will get it whenever I 'm done with my own investigation '' This is nothing more than XXXX profiling, as a result of this unprofessional woman I ca n't pay any of my bills, I lost my house and all the money I spent in the process and worst is that my money is being held XXXX .. 

I need my money back as well as compensation for all the monies I lost in the process a total of {$500.00} sincerely, XXXX
Consumer complaint received 2016-11-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I mistakenly submitted 4 transactions to my bank account which were denied after my job delayed an expense reimbursement. Not only did they charge me excessive overdraft and finance fees 14 times ( as of now ) for the 4 charges, they would then attempt to withdraw the charge again, causing overdraft and finance fees to multiply. This occurred with a XXXX credit charge of XXXX, a student loan of {$160.00} on XX/XX/XXXX, XXXX of {$61.00} on XX/XX/XXXX and {$9.00} on XX/XX/XXXX. This is predatory and it caused a downward spiral that I was just able to get out of. Had I not had the resources to climb out, I could have been bankrupted.
Consumer complaint received 2016-10-21
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I opened a secured card with Capital One, with the benefit of knowing my credit line would increase after 5 months as stated on their website. I made my 5 payments. One payment was late, they reversed the late fee which made me believe the late payment was forgiven and should not be held against me. In XXXX or XXXX I submitted a payment on my due date, but Capital One did not process it until the next day. I met my obligation by making the payment on the due date Capital One chose not to accept it then and therefore making me ineligible for the credit line increase. Upon inquiring about the 5 monthly payments and credit increase I was told my account did not qualify because of the payments. Had the only late payment been in XXXX ( which had the late payment fee reversed ) my account would qualify for the credit line increase in 10 months not 5. This was never told to me or explained. Even the representatives with Capital One had to do research to provide explanation. Now I am stuck with a card that will not receive credit line increase because as stated in Capital One letter secured cards do not qualify for an unsecured credit line increase. This is like a bait and switch. Had these policies been explained in the beginning or even after the first payment this situation would be much different.
Consumer complaint received 2016-11-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I have disputed the following inquiries with Experian and have not received an acknowledgement about doing so. I 've called experian to see if they received it and they do not see my dispute for the following inquiries. The following inquiries were disputed using experian.comXXXX. 

Disputed Inquiries : XXXX XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX XXXX - XXXX/XXXX/16 I did not authorize any of these inquiries to be run nor did they have permissible purpose. I 've called each company and they were not able to find any reason as to why they ran my credit. I asked about deletion with all XXXX companies and no one knew what process to take to resolve this.
Consumer complaint received 2016-06-25
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I am a subscriber to TransUnion Credit Monitoring. An important part of my subscription is the Credit Lock / Unlock function. The Credit Lock / Unlock function works like a Security Freeze, but it is NOT a Security Freeze. I do NOT have a TransUnion Security Freeze in place and have n't had for many years. 

My TU credit file is locked. I used the Credit Lock / Unlock function to lock it a while back. Yesterday when I applied for credit, the creditor told me it was locked. When I pulled my own credit report copy via TransUnion Credit Monitoring, my credit report specifically states it is locked. 

However, when I try to unlock my credit report, the Credit Lock / Unlock function in my TU Credit Monitoring states it is already unlocked. This is false. So, I proceed to lock my credit report since I am told it is unlocked, but the operation fails. It has failed now for over a week. 

I called TransUnion Credit Monitoring several times. They stayed they have technical issues and will solve them within two days. They lied. It has been well over a week and the issues persist. 

Today I phoned again. The representative was in an overseas call center in XXXX. The representative was an XXXX and argumentative. Her employee number is # XXXX. She told me I have a Security Freeze on my file and need to go through the process to lift a Security freeze. That 's why, she claims, I can not manage my credit report lock status using the TU Credit Monitoring. The fact is I do NOT have a freeze. My credit file is LOCKED, but I can not unlock it nor can I lock it since it erroneously shows it is unlocked. I asked the representative to speak to a supervisor, but she refused.
Consumer complaint received 2016-12-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (CT)

This company placed almost XXXX non-emergency, automated-type mobile calls to me outside the scope of my consent and without providing me means to discontinue receiving these calls. The calls were either abandoned or alternatively instructed me to hold as the the calls were being recorded.. [ for training purposes ] ...? I picked up about XXXX calls without success of halting the calls.
Consumer complaint received 2016-05-22
Product: Credit card — 
Issue: Delinquent account — 
Company: Army and Air Force Exchange Service (CA)

I have a STAR Card which has automatic payments going to it and even with these payments, they keep submitting I am past due and they will not remove the late payments. I was XXXX from XXXX 2015 until XXXX 2015 and was unable to handle this issue.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to file a complaint concerning TransUnion and their continued reporting of inaccurate information on my credit report from XXXX XXXX. Despite multiple disputes related to this account ( Account Number : XXXX ), no action has been taken to correct or remove the errors. These inaccuracies are having a significant negative impact on my XXXX XXXX, and the incorrect information is misleading potential lenders. I have made numerous attempts to address this issue by reaching out to both TransUnion and XXXX XXXX, but my concerns have not been resolved. The lack of correction is causing ongoing financial harm, affecting my ability to secure loans and other forms of credit. Additionally, the situation is taking an emotional toll as I struggle with the consequences of these reporting errors.
Consumer complaint received 2016-09-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX/XXXX/XXXX I paid my XX/XX/XXXX mortgage payment online at Capital One anticipating that I was to pay it off entirely soon. On XX/XX/XXXX I paid the mortgage off after ensuring that the XX/XX/XXXX payment had also been made. The web site showed that the next payment was not due until XX/XX/XXXX. In spite of this and that I had paid the entire mortgage they took another payment on XX/XX/XXXX. By this time they had removed my account from the web site with any information about the mortgage so I called the XXXX number for Capital One. After explaining the problem I was told that they would transfer the money back to my checking account in 3 to 7 days even though I told them that they had taken the money from my account and I needed the money to pay bills now. 
Seven days later ( XXXX XXXX or so ) I called again since they had not returned the money yet. I was told by XXXX that I had to wait 10 to 15 days and they would then send the information to another group who would write a physical check and then mail it out to me. I told them that this was not acceptable. She told me she would check on what they could do and get back to me within two hours. She never called back. 
I was away the week of XX/XX/XXXX to XX/XX/XXXX and found a few messages on my answering machine when I returned. XXXX from the President 's line at Capital one 360 told me that since I did not answer all of her calls she would not call back again but she left a number ( XXXX extension XXXX ) where I could call her. I called on XXXX XXXX but have not received a call back yet. 
Also on my return last week I found an overnight envelope propped against the door. It contained a check From Capital One made out for the wrong amount from a nonexistent account. 
I would like to have them return the money quickly. If necessary by deposit in my checking account with them and to ensure that they do not take another payment in XX/XX/XXXX. 
I submitted a claim to the wrong department in New York State and they said that they have referred the claim to this agency but I need to make sure because the money that Capital One took from my account is needed to pay tax bills this month.
Consumer complaint received 2016-09-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

In XXXX my brother and I purchase a house for my grandmother and receive the deed in XXXX. In XXXX I transition from the XXXX and start working as a XXXX and in XXXX and I found out that I was behind on my mortgage payment, the payments were supposed to be taken over by my brother after my grandmother passed away I found out they were not. XXXX XXXX XXXX told me and my brother that we had a mortgage on that house they did not give us any paperwork showing that the mortgage was with them and when I tried to explain it to them that I did not have a mortgage they told me they had taken the mortgage over in XXXX. After I have asked for documents showing that my brother and I had a mortgage with this house I was told that they would not talk to me and my brother was told they would not talk to him and unless both of us were on the phone at the same time contacting them. On the that house my brother was the primary and I am a secondary. XXXX XXXX XXXX just recently on the XXXX of XXXX sold the mortgage I had on my property to Carrington Mortgage. Carrington Mortgage told me that they now on the mortgage that is on that house and they too will not give me any information showing me that XXXX XXXX XXXX originally had that house and as of right now this is affecting my job I can lose my job with the XXXX because they say we owe {$69000.00}.