davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I applied for an online checking account with Santander on Thu   XXXX   XXXX   XXXX    . At the time, I gave my debit card information to make a {$25.00} opening deposit. The account was in " pending status ''. On Monday   XXXX   XXXX  , I noticed the {$25.00} debit card transaction come out of my other bank account, so I figured my account was approved and opened. I went back into the Santander online application service and my account still read " pending ''. Finally on Thursday   XXXX   XXXX   XXXX   I checked again and it was still in " pending status ''. I called them to see the story and I was informed they had some kind of a system issue with debit card processing and they needed to obtain my card number again. I explained the money already came out of my account, but they said they still needed the debit card number to find my account. I guess my name and TIN would n't be enough. I was told I 'd receive a welcome packet soon. On   XXXX   XXXX   XXXX     I received my debit card AND PIN number the same day, no welcome packet. I still did not have my account number at this point. On Tuesday   XXXX   XXXX   XXXX   I received my welcome packet that contained my account number. I activated online banking, and the {$25.00} deposit was still not in my account. I sent them email explaining the situation and complaint and received back a generic email telling me to call customer service. I called customer service, explained the situation, and was told they would forward the issue to that department for resolution. I logged back in today, Friday   XXXX   XXXX   XXXX   and my {$25.00} deposit is still not in my account! I 've contacted this bank several times for resolution and feel like t hey just do n't care to resolve this issue. They are obviously in violation of Reg. CC because I should have had an electronic deposit available to me no later than the next business day.
Consumer complaint received 2017-08-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (OK)

I refinanced my student loan in XXXX of 2017, with XXXX. XXXX sent a check to Navient overpaying my students loans by {$730.00}. Despite numerous promises, Navient has refused to return the over payment to me and has continuously engaged in delay tactics in responding to my request for documentation and refunding monies due and owed to me.
The first conversation I had with Navient was on or about XXXX XXXX, 2017, and I was told a check would be mailed to me. After not receiving a refund, I called back on or about XXXX XXXX, 2017, and I was told the funds were returned to XXXX. I requested documentation from Navient verifying when the funds were sent and where. I was told that I would receive the information within 7-10 days. However, now three months later, I still have not received the requested documentation. I followed-up with XXXX, and they indicated that Navient never returned the funds. Therefore, I sent a demand letter to Navient on XXXX XXXX 2017, along with documentation about my account and the over payment. Once again, I demanded Navient to return my over payment. I spoke to XXXX XXXX, in the Office of the Customer Advocate, on XXXX XXXX, 2017. She told me that she would check into the status and get back to me byXX/XX/XXXX. When I did not hear from her, I send her an email on the morning of XXXX XXXX, 2017. She called me later that afternoon onXX/XX/XXXX, and told me ( yet another story ) that the check was returned to Navient as undelivered and on XXXX XXXX, 2017, and that they resent it on XX/XX/XXXX, but that the check remained uncashed. Once again, I demanded verification and was told that it would take up to 10 days. I sent an email to XXXX XXXX onXX/XX/XXXX with instructions on where to send the refund payment and further requested confirmation when the check would be send. I also demanded documentation and a written explanation from Navient about its efforts to refund the over payment. I have yet to hear from XXXX XXXX or anyone else at Navient. It has been almost four months, since my student loan with Navient has been paid in full and yet it refuses to return my over payment. Navient has engaged in fraud and has wrongfully converted my funds.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I disputed a collection back in XX/XX/XXXX from XXXX in the amount of {$460.00}. In XX/XX/XXXX it was removed until XX/XX/XXXX. However, it was re inserted back on my credit report. On XX/XX/XXXX I sent Experian, XXXX, and XXXX 5 day reinsertion letters. Which were true. I was never notified of the reinsertion by anyone. Experian, sent a letter back to me stating that the collection is verified and found to be true. How is it true, the law in my letter specifically stated that I am entitled to know what steps they took to verify an account that is clearly not mine. My name is misspelled on this so called itemized bill they sent me. Like really, this is not me, I know my name and how to spell it. Only thing the collection agency gave was a bill with a misspelled name. XXXX and XXXX removed it back off immediately, after the five day reinsertion letter. However, Experian states it 's verified, and I know it 's not. I want to know how it 's verified. I want this account removed asap, and my credit score restored. This is really unfair, they made my score drop as well as make miss out on getting a house. My score was n't XXXX, but it was enough to get me pre approved. If it was truly mine, I would honestly pay my debt, but this here is n't mine.
Consumer complaint received 2017-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

I want to terminate my American Express Card on the XX/XX/XXXX and I scheduled my final payment for the XXXX of the month.
I have rewards that I earned and that I want before terminating the card. American Express will not give me my rewards. I previously filed a complaint # XXXX because I filed a dispute against XXXX XXXX XXXX XXXX as they fraudulent billed my credit card for {$150.00} for a tow truck, ( the car I rented stalled and would not start ). American Express received the complaint on XXXX XXXX, 2017 and as of this date has not resolved the dispute. I filed a complaint with the State of Hawaii Consumer Protection Bureau and received no support for my claim of Fraud from American Express. I no longer want this card ; however I do want the rewards that I earned over the past 10 years. I have exhausted myself resolving this dispute alone, without the support of American Express who has taken far too long to resolve this matter. Their merchants are more important to them than their customers. I have had it.
Consumer complaint received 2017-05-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (MD)

In  XXXX    XXXX    Navy Federal Loan Officer ,  XXXX   XXXX , informed my wife and I via email that we would be able to be down the mortgage rate from 5 % to 3.75 % for {$12000.00}. My wife and I set a closing date for the sale of our old house and the purchase of our new house in  XXXX    XXXX  . In  XXXX    XXXX  ,  XXXX  informed us via email the amount to buy down the rate changed from {$12000.00} to {$24000.00}. My wife and I did not have the additional {$12000.00} to buy down the rate. We would lose our deposit of {$5000.00} if we did not go thru with the purchase of the new house so we moved forward and incurred a serious financial hardship by having to incur a monthly mortgage payment we did not plan for as a result of  XXXX   XXXX  lack of honesty/candor. I subsequently reached out to  XXXX   XXXX  manager,  XXXX   XXXX , Loan Operation s Manager, Navy Federal, and sh e has shown an unwillingness to help us refinance our house or provide a mortgage modification.
Consumer complaint received 2017-08-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (MD)

XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, Iowa XXXX Complaint against- Midland Mortgage XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Loan # XXXX Complaint : I received my annual Escrow Account Statement the second half of XXXX, outlining that my principal and interest would not change for the next year of XX/XX/XXXXXXXXXX/XX/XXXX ( see enclosure ). Near the end of XXXX Secretary of Treasury stated that the Federal Interest rate would increase by a 0.25 %, after which, Midland Mortgage sent me another notice stating that my interest rate would increase by 0.25 %. I received this notice less than 25 days of when the change would take place ( which is required by my contract ), despite the date on Midlands statement. Never the less, I accepted the change and made the payments. Other conditions that Midland has not been compliant with, are them providing me the index that they use to calculate the change in rate and date of that index as well as other requirements in The Adjustable Rate Note, Interest Rate and Monthly Payment Changes, # 5 A-G. XXXX, I am informed that Midland Mortgage is increasing my interest again by 0.125 %. This would also permit them to adjust my Change Date. Midland Mortgage citing they made an error is not a defense that is acceptable. It is not justifiable that Midland Mortgage or any mortgage company be allowed to make changes to customers ARM, every time they make an error. If this were permitted, then the yearly Change Date would be futile. What I want to happen : I do not want Midland Mortgage be permitted to increase my rate after the effective Change Date of the contract. I do not want Midland Mortgage to be changing my Changing Date of my contract. Midland Mortgage trying to increase my rate is just another example of million/billion dollar companies taking advantage of consumers. This problem addresses the issues of these big companies always cheating consumers by shaving a little off the top. Such large companies shaving a few extra dollars from millions of consumers equates to billions of undeserved revenue for them and increasing the financial struggles of the American consumer. Frequently encounter examples of : XXXX overcharging for over usage of data, even though I have been close, but not over. XXXX charging for cloud usage, $ XXXXm for years, but never used, not knowledgeable of ; XXXX XXXX charge for equipment/services not requested, not used. XXXX advertised additional cost services, but later eliminate such services ( hide cancellations in small print/terminology non-specific ), but they still collected for those services. These companies know that it is counter-productive for consumers to engage in legal battles for such small amounts, therefore they are forced to pay.
Consumer complaint received 2017-07-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Northwood Asset Management Group (CA)

I contacted this company and requested proof be mailed confirming this debt they are attempting to collect is truly mine. I contacted them in early XXXX of 2017 and they hung up on me when I requested this proof of debt. My father passed away late XXXX and the harassing phone calls continued, they not only called me, but my boyfriend, my boyfriends mom, my sister and brother. They call from different phone numbers and show up as robocalls. 2 numbers they have used are XXXX and XXXX. The latter number states they are Northwood Asset Management Group. I do n't know how they got my families phone numbers, I do n't appreciate the harassing phone calls nor the failure to provide via mail proof that I owe this debt. I 'm seeking assistance in stopping these harassing phone calls. My next step will be a cease and desist letter and contacting an attorney.
Consumer complaint received 2017-07-11
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. (GA)

On or about XX/XX/XXXX due to high pressure sales tactic, we purchased a week from the Time Share company called XXXX XXXX XXXX ( XXXX ). However, we were given 10 days to cancel. But as we tried to cancel on day 8, our calls or emails were never returned. After several attempts we simply resolved to use time share which we did briefly. However, our finances would not allow us to keep this product. So we hired XXXX XXXX XXXX ( XXXX ) to assist us. We were able to settle with XXXX. We have documentation which states that if we sign back over the property deed to XXXX within a certain time period, ( before XX/XX/XXXX ) 'you will be released from any further liability under the note. However, if we do not receive the notarized documents before this date, foreclosure proceedings will begin. ' Unfortunately, XXXX acting in our behalf, failed to send us the necessary prepare in time, stating there was an oversight on their part, and as a result, XXXX proceeded with a foreclosure on our account and submitted to Experian. We tried several times to get this matter resolved with XXXX and with Experian stating that since there was no financial judgment, there must NOT be a Foreclosure statement on our credit report. Having such is preventing us from refinancing our home, which we desperately need to do!!
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

AFTER MULTIPLE MAILED IN DISPUTES, INACCURATE, CLOSED AND FRAUDULENT ACCOUNTS AND INQUIRIES ARE STILL ON MY CREDIT REPORT. I AM REQUESTING THEIR IMMEDIATE REMOVAL UPON RECEIPT OF THIS NOTICE.
Consumer complaint received 2017-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

My complaint is regarding an excessive deposit hold time policy on a deposit with Huntington Bank. On XX/XX/XXXX I did a mobile deposit for a check from XXXX XXXX XXXX XXXX for {$8800.00} into my checking account. This is an in state check from a bank for under {$10000.00}. Now I have heard of a 1-3 day deposit hold in cases of personal checks, out of state checks etc. Huntington has incredibly put a hold on these funds until XX/XX/XXXX. So that is 10 calendar days and with the XXXX XXXX  holiday that would be a 6 business day hold. This is entirely unacceptable. I called and asked for a supervisor, they stated that it was " in process '' and the hold was put on due to an " unverifiable source ''. The source is a credit union. Furthermore I had {$11000.00} in my savings account and still this long of a hold. I called my local branch and spoke with the acting manager who was helpful, followed up but still could do nothing. Today, XX/XX/XXXX, I called XXXX XXXX XXXX, spoke with the bank manager and learned that their check for the {$8800.00} cleared last night XX/XX/XXXX. In this day and age of electronic ACH clearing and the digital treatment of checks that seems like an appropriate clearing time and a possible 1-2 day deposit hold time. Again, how can Huntington employ a practice of the excessive type of hold time described above? I was fortunate that I could move funds from my savings to pay the obligations I had sought the consolidation loan for in the time frame I had committed to. The funds were to pay down high interest credit cards. My loss is inconvenience and marginal savings account interest. But what if I could n't " float '' my own account for nearly 2 weeks while HNB " holds '' my funds? The damages could include : -Personal reputational risk ( a returned check to a 3rd parties ) -Additional interest accrued on accounts to be paid by the excessive hold time -Fees, possible NSF fees, return item fees from the very bank " holding the check '' or 3rd party fees for un honored items sent with the expectation of a 1-2 day " hold ' time -Damage to credit score/rating. This type of " deposit hold '' over reach is both inappropriate and unacceptable in this day and age of electronic banking. The practice needs to be investigated and changed. I will conclude that I have never had an issue with HNB and like their banking, as a loyal customer, who has multiple accounts this situation has damaged my perspective on their bank and service levels.
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: CITIBANK, N.A. (IL)

Since  XXXX  -- -- - I have had savings and a money market accounts at the Citibank, which I opened on  XXXX , Florida. On  XXXX / XXXX / 2016  some unknown person requested at a New York Citibank agency a temporal ATM card. Surprisingly the ATM was given to him, which is against the rules because the bank sends the cards only to the clients registered address. With that card that person obtained a new pin and withdrew, using an ATM machine, {$1400.00} and {$100.00}. Later he withdrew {$9700.00} from inside the Agency. At the time of these fraudulent withdrawals I was in  XXXX , as it could be verified by checking my passport. On  XXXX / XXXX /   2016  the bank returned to my account the money that had been stolen by ATM, but they did not want to return the {$9700.00} that had been withdrawn at the ticket window, adducing that the money had been withdrawn using a debit card. In spite that I sent a legalized statement they never justified on writing the reasons for their denial. I enclose a complete description of this scam I have been a victim from.
Consumer complaint received 2017-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (WV)

My daughter had XXXX XXXX XXXX. This is considered XXXX XXXX not covered by normal health care policies. At the doctors office we used Care Credit and secured a loan of {$10000.00}. 5 years term at 14.9 %. we made monthly payment for 25 months with no issues. Suddenly Synchrony Bank expired the original loan agreement and now changed the rate to 26.99 % Synchrony Bank was not the visible lender at the doctor 's office. We contacted the Florida Office of Financial Regulation, Division of Financial Institutions chartered to regulate banking in Florida. But they are helpless. Synchrony Bank is a Utah chartered operating in Florida and under supervision of Consumer Financial Protection Bureau. This makes no sense to me, meaning Florida can not regulate its own banks operating in Florida.. Synchrony Bank XXXX XXXX XXXX XXXX, XXXX Florida. XXXX ( XXXX XXXX XXXX ) They have no legal right to expire an original loan agreement. <P/>The Florida Attorney General 's Office is now aware of this bank fraud. They are contacting Synchrony Bank but have also advised me to file complain with CFPB. You should follow up as soon as possible.
Consumer complaint received 2017-07-10
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: TOYOTA MOTOR CREDIT CORPORATION (MN)

I have leased a  XX/XX/XXXX  Toyota  XXXX  since   XX/XX/XXXX . My  monthly payment is  XXXX . I requested a deferral  of two o f my lease payments for the months of   XX/XX/XXXX  and  XX/XX/XXXX . On  XX/XX/XXXX  and  XX/XX/XXXX , I  pai d two d eferral fee 's of  XXXX  each. I was told that the payments for the month of  XXXX  and  XXXX  would be added to the end of my lease. My credit reports show for the month of   XX/XX/XXXX  and  XX/XX/XXXX  that I am 30-59 days late. I also made two payments on my lease in  XX/XX/XXXX  with the final payment being made on  XX/XX/XXXX  and Toyota reported me 30-59 days late the same day that my payment posted. I have asked the credit dispute department to remove these items from the credit bureau 's. They did remove the marker for  XX/XX/XXXX  but declined to do anything further.  This is impacting my life. I have now had  XXXX  of my older credit cards reduce my credit limit by  XXXX  dollars due to the way Toyota has reported.
Consumer complaint received 2017-05-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (NJ)

This complaint is late and for that I am sorry. Back in XX/XX/XXXX XX/XX/XXXX wells fargo opened up a business account without my permission also opened one told me a waiver of fees was on it for a period of time then reneged on its promise which is misrepresentation. I am unaware but need to know if this would fall under the class action suit currently being pursued. It caused me aggravation, loss of time, demoralization and financial heartache. I know the business savings was unauthorized. this was done in XXXX NJ by someone named XXXX. Lies lies lies about fees being waived. No calls returned by district managers in response to mine. My concerns. I want to know what can be done esp since I had ot move my business account to XXXX XXXX XXXX due to the lies. at wells fargo about waiving fees on account I authorized. Savings account I did not. this was in XX/XX/XXXX what can be done?
Consumer complaint received 2017-07-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MI)

In XX/XX/XXXX I received a federal guaranteed student loan from XXXX to attend XXXX University. After in XX/XX/XXXX I graduated with {$32000.00} in debt at 9 % interest. Payed the payments on time until XX/XX/XXXX. When my wife and I consolidated our loans into a XXXX smart loan for {$39000.00}. The payments were made on time until I started my XXXX in XX/XX/XXXX. I Had to travel and pay for everything at home. I contacted XXXX and ask for help. The only thing they offered was to put the loan in forbearance for 8 months. I had to do this 3 more times with no other suggestions or help from them. From XX/XX/XXXX we payed our high payments for 3 years. In XX/XX/XXXX we were offered a better interest rate of 8.25 % from XXXX if we switch and have them service our loan for XXXX. I switch thinking it would be better the balance was {$61.00} and XXXX started servicing the loan. It has not gotten any better we currently still owe {$57000.00}. The payments are current and we pay close to {$600.00}. a month. I have payed on this loan for 21 years and have the principal has already been payed off. I am getting no where and need your help! ACS is no help either they only offer income based repayments that only put us further behind and we do not qualify for their programs.
Consumer complaint received 2017-05-26
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: EQUIFAX, INC. (KY)

I have a collection that is reporting inaccurate information on my credit report. I have disputed the information 30 days ago and have yet to receive a response. This collection is not valid and the collection agency can not verify that this debt is valid.