davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-17
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (GA)

I purchased a product from a vendor for about {$1300.00} The product was delivered not to my specs and was unuseable. I returned the product to the vendor and they fixed their mistakes. A couple of weeks later I looked at my credit card statement and the vendor had charged my credit card {$990.00} without my permission, without notifying me and without providing me a bill. 

I called the vendor to try to resolve with no success " they might work with me '' but I never received any further correspondence. 

I called the credit card company to put the charge in dispute, they did put the charge in dispute and removed it from my bill. Then about a month later I got a form letter in the mail from the credit card company saying they could not verify a billing error and they were reposting the charge to my account which they did. 

In my letter I specifically instructed the credit card company not to pay this charge. If the vendor wants to come after me for the money then that 's between me and them. The credit card company is not the decision maker of where and how I spend my money and just because the vendor has my card number on file does n't give them the right to charge any amount they want, when they want.
Consumer complaint received 2015-07-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Merchants and Professional Bureau, Inc. (IL)

I am a veteran of the XXXX. As a benefit to me for my service, I receive free healthcare. The VA was my insurance for my prenatal care and labor and delivery. My son was born XX/XX/XXXX and the doctor that I chose for him made the initial doctors visit while we were still in the hospital. I received the bill from the doctor some time later and gave the doctor office the VA 's information so that they could process the claim. What I was unaware of was that the VA needed my son 's SSN in order to process the payment. I had no idea that the doctor 's bill was still deliquent until XX/XX/XXXX, 16 months after my son was born, until I received a letter from the collection company. I made contact with the collection agency more than twice and told them that I contacted the VA and gave them all the information they needed so that they could process the claim. I also told the VA that the debt was in collections and I was told that they " always do that, '' meaning the collection agency will continuously go after the patient until they receive payment, even though the patient has insurance. I got tired of letters and phone calls from the collection agency so I contacted the XXXX and made them aware. The final result was the collection agency not contacting me anymore. This issue has knocked off XXXX points from my credit score and the note says, " individual responsible. '' I am not responsible. The VA is responsible and the doctor will not get paid until the VA finishes processing the claim, however long it will take. I would like this issue to be removed from my credit report.
Consumer complaint received 2024-10-11
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Home Loan Center, Inc. (TX)

I attempted to get a loan from Lending tree. I got a call and they said they were Lending tree, they asked for my information and proceed to do the loan. They would deposit money in my account and ask me to send some back with a bar code at XXXX. They did some mobile deposits in my acct, {$480.00}, {$480.00}, {$820.00}, {$820.00}. The amounts came out as Deposit Item Returns and were withdrawn from my bank account. Two days later I realized that I was scammed and informed my bank. After I informed my bank 3 more Deposit Item Returns came in, {$920.00}, {$920.00}, and {$920.00}. I believe that when I informed the bank that they should have frozen my acct so no more withdrawals could come in, but they did not. Can anything be done?
Consumer complaint received 2015-12-28
Product: Credit card — 
Issue: Advertising and marketing — 
Company: PNC Bank N.A. (PA)

I have permanently opted out of financial solicitations by following the directions for pre screen opt out and submitting that removal in writing. It has been successful in that I no longer receive solicitations. However, since opening a loan account with PNC Bank XXXX XXXX XXXX, they send me credit card solicitations at least monthly. I have called them each time and requested removal. They have either pretended to cancel or directed me toward the opt out steps ( which I took years ago. ) They are harassing me and will not respect my request by phone to be removed from their solicitation list. It is a waste of mail and time. They send XXXX copies each time - me and my husband. They may even be committing a crime by soliciting to someone who has permanently opted out of pre screen credit card offers. No amount of begging and pleading by phone has gotten them to stop.
Consumer complaint received 2015-07-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MI)

Our servicer, Wells Fargo, did not send a payment coupon per normal to our attention after submission of our XXXX 2015 payment ( which was submitted XX/XX/XXXX ). As we pay 1 month ahead, a payment was sent without the statement ( for XXXX 2015 ) XX/XX/XXXX. Wells Fargo received this payment and sent us a new statement for an XX/XX/XXXX payment due date ( which was already submitted and the reason for our inquiry ). At this time, we also realized that our Escrow Account Analysis was not provided to our attention ( we know this as we were informed when trying to figure out what happened to our payment, that our payment amount had increased to cover the escrow changes ). Although the agent for Wells Fargo was helpful, it still does not explain why 1 ) the payment coupon and statement did not arrive ( we have been with Wells for over 11 years ) and 2 ) why an Escrow Account Analysis was not provided in a timely fashion. Also, when you have a payment history which shows your payments are made in advance, why does the servicer choose to apply all to principal. 
With both documents not being received from Wells Fargo ( the missing statement and the missing Escrow Analysis ), we have assumed Wells Fargo had a glitch in there system and did not produce the documents, as we did not receive.
Consumer complaint received 2015-09-16
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: BARCLAYS BANK DELAWARE (TX)

Barclays Bank Delaware obtained a judgment against me in a county in XXXX. I live in XXXX and being unable to travel to XXXX they obtained a garnishment of my wages in XXXX without transferring the case to XXXX where I would be able to seek exemption for rent and other living expenses.
Consumer complaint received 2015-06-30
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: SUN WEST MORTGAGE COMPANY, INC. (CA)

I have requested to contact to the CEO a number of times but with no regard. Sun West Mortgage Company ( XXXXXXXXXXXX, XXXXXXXXXXXX and XXXXXXXXXXXX ) did the following. 

XXXX. Had me sign a loan application where they led me to believe there was no closing cost leaving XXXX section blank and claiming at that point it was no money to closing cost loan. 
XXXX. XXXX was done saying XXXX thing and then XXXX months later it was noted as an error. XXXX months with no follow up. We had a weekly request in on what is going on with the refinance and every week Sun West claim was all good and still in the process. 
XXXX. Requested a number of additional things from such as my bank statements when the federal loan requirements say not to ask for thisXXXX. XXXX XXXX has claimed after the fact that something was mailed to me with the closing cost back XX/XX/XXXX. This did not happen. Nobody has seen what she is claiming. I asked for my signature on it somewhere which does n't exist. Only my signature on a loan application with the XXXX area blank is what they can find. 
XXXX. CEO refusal to follow up.
Consumer complaint received 2015-11-12
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: Reverse Mortgage Solutions, Inc. (FL)

My father was sold a predatory reverse mortgage XX/XX/XXXX by a company that is now defunct because of fraud. He also at the time was diagnosed with XXXX at the time he was forced into signing this loan. XXXX XXXX XXXX is now trying to foreclose and take the property. That property was given to him by his mother who has had the property since the XX/XX/XXXX. The house and property were paid off before the loan. He had no need for the loan and did not know where the money went. He recently passed away and I have XXXX sisters to whom this property was supposed to go to when he passed. We need help.
Consumer complaint received 2016-01-28
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I sent letters to Capital One Credit services about them not following the law as required under FCRA 623 ( a ) ( 7 ) ( G ) ( i ), they responded by saying that there security agreement address that but that 's not what the laws say. They never sent a notice as required before and after they reported negative information to the CRA 's. I 've spoken with a XXXX XXXX in the Executive Office, XXXX XXXX Id # XXXX, XXXX XXXX Id # XXXX and XXXX and they will not remove the negative information in violation of the FCRA section 623 ( a ) ( 7 ) ( G ) ( i ). I 've been disputing this since XXXX of 2014, the account is closed and paid in full. I will attached an invoice sent to me by them that does n't should the language outlined and required by FCRA section 623 ( a ) ( 7 ) ( G ) ( i ). I 've filed a complaint with the XXXX about this also and they still said that there security agreement addressed the section above but it does n't as you can see in the attachment the section they sent me from there security agreement.
Consumer complaint received 2016-03-19
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CNG FINANCIAL CORPORATION (CA)

I have two issues with Check N Go. First, I called initially to ask about the application process. I was told that they only do " soft pulls '' that do not effect your credit. I went ahead and applied for payday loans that have been successfully paid in full. I had an incident where my dog suffered trauma and needed emergency care. I applied for financing with the veterinarian for this and was denied due to a failing credit score. I was under the impression that previous efforts to raise my credit was working but came to find out that my score had suffered due to the multiple inquiries from the payday loans. I was not approved for financing for my dog and had to turn to Check N Go for funds for my dogs XXXX and care. I now am in a situation where they are requiring payments of {$660.00}. for 11 months for a total amount of {$7200.00} on a loan amount of {$2700.00}. with an APR 219 %. I feel that I was placed in this position due to the company falsely informing me of their application processes that effected my credit. I had no choice but to request funds and want to pay back the amount that I borrowed but feel that the excessive interest rate is above and beyond what is fair. It is taking a toll on my monthly finances and am finding it extremely stressful and feel that my mental and physical health is beginning to suffer just thinking about the repercussions of not paying back as they are requiring. I feel trapped and that I am falling behind already and I have many more months of this payment ahead of me. Please help. 
Sincerely, XXXX XXXX
Consumer complaint received 2015-07-17
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BOEING EMPLOYEES CREDIT UNION (WA)

On XXXX/XXXX/2015 we disputed an unauthorized set of transactions on a joint account held at BECU ( credit union becu.org ). This was done via my wife 's debit card so the dispute was done under her name but it 's a joint account in XXXX of our names. On XXXX/XXXX/2015 BECU notified us they were crediting the account and would notify us in writing if anything further was needed. 

When examining my XXXX 2015 statement ( approx XXXX/XXXX/2015 ) I discovered the credit ( XXXX $ ) had been reversed. I then went into BECU on XXXX/XXXX/2015 to inquire and was told they had mailed us a letter in XX/XX/XXXX we 'd not responded to so they reversed it and it was closed. They then claimed there was nothing further to be done. We never received a letter and BECU can provide no proof that we received this letter either. A new copy was provided to us on XXXX/XXXX/2015 showing it dated XXXX/XXXX/2015 and claiming we had until XXXX/XXXX/2015 to respond. 

This was unacceptable to me as we never received this letter they claim to have sent and once I did discover the reversed charge went back to inquire within a reasonable timeframe. Statements close on XX/XX/XXXX so on XXXX/XXXX/2015 when I went into the branch to question this it was still within XXXX days of my notice of this charge. BECU easily could have prevented this issue by ensuring this written communication which has a very short time frame ( less than XXXX weeks to respond ) was handled via a tracked mechanism. i.e. certified mail, XXXX, etc. There 's been no proof offered this letter ever was sent to us at all beyond their claim of it having been sent. We did file the required paperwork with them immediately disputing the charge ( i.e. within the required XXXX days ).
Consumer complaint received 2015-07-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am an authorized user on a credit card, but that card does not appear on my Transunion report, even thought it does appear on XXXX and XXXX. Transunion says nothing can be done, and my credit card company says the same.
Consumer complaint received 2016-03-21
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (CO)

I am a XXXX and in XX/XX/XXXX, I applied for and received an American Express Gold Card with no annual fee. In XX/XX/XXXX, I incorporated a second business and spoke to Amex who assured me that if I apply for and receive a second Gold Card, that only the new card will be charged the annual {$170.00} fee, while the original Gold Card will continue with no annual fee. So I have had the XXXX cards, XXXX for each business all these years. On this month 's statement ( XX/XX/XXXX ) for the original card, there now appears a {$170.00} fee. To my knowledge, I did not receive notification nor an alert that this annual fee of {$170.00} would now be charged and that Amex would no longer be honoring the original program I have had for the past 15 years. I called Customer Service and spoke to an agent, XXXX, for over 20 minutes who was not helpful at all, kept repeating over and over that I had been paying a {$95.00} annual fee ( which I had not ) and now I would have to pay {$170.00} and there was absolutely nothing she could do to change that, nor was there any supervisor or another dept. that I could speak to. XXXX said she could not look up any annual fee history for this card. Today I invested another hour, calling customer service, asked for a supervisor, put on hold again, spoke to XXXX the supervisor of customer service who said he would transfer me to their Membership Consulting Services, put on hold until XXXX answered, went through the whole story for a third time only to find out that she was in customer service & would transfer me to their Consulting Svrs, held again until XXXX came on. Explained the whole story again and learned that XXXX can only look back on 10 months of history & insisted that I had been paying a {$120.00} annual fee ( which I had not ). She also was not offering any assistance to the resolution of this problem. While she was speaking to me like I was a new business owner and did not understand my arrangements with Amex, the phone disconnected and she did not call me back, even though she knew she was the fourth person I had explained my story to and had my full account profile visible to her including my phone number. To make any customer invest so much time, be transferred to one person after another, and dodge any business solution with integrity is disrespectful and truly reflects that they do not appreciate customer loyalty, nor acknowledges their accountability when they make an error.
Consumer complaint received 2016-03-20
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (IL)

There were fraudulent transactions on my credit card for which I promptly notified XXXX XXXX. They cancelled the current card and sent out a new one. In the mean time they purported to open a fraud investigation about the charges. However after 3 calls and waiting 30 days, the charge is still on my credit card in addition to a fee for foreign transaction fee levied by XXXX XXXX. Over the course of those 3 calls they assured me it would be removed in 30 days, but we 're still waiting and I refuse to pay the bill with fraudulent charges on the statement. They could have easily put the charge in disputed status so it neither affected my balance nor was added to my statement, but the refused.
Consumer complaint received 2016-03-18
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: American Coradius International LLC (MT)

On XXXX/XXXX/XXXX I made first contact with XXXX XXXX in order to find out what the general status of the debt was. I was unable to get this information as they has stated that the debt had been assigned to ACI ( American Coradius International, LLC. ) for collections and they could provide no further info and that I 'd have to contact them ( ACI ). I then made contact with ACI the same day, XXXX/XXXX/XXXX and was forwarded to a woman named XXXX who stated she was in charge of my account. She verified my contact info, e.g. DOB, home address etc. and gave me my internal reference number for ACI. I mentioned I would be sending in some correspondence and I thanked her and the call ended. Shortly after that call, I went to their site and decided to try and register, which I did successfully and decided to browse my account. Menu options upon logging in were : Balance, View payments, Contact Us and Profile, all of which had info once clicked. I took several screen shots of what I viewed which I will attach to this complaint. I later went back after receiving an email from ACI verifying my enrollment and to my amazement, all of it was no longer available and what was there was merely " Terms and Conditions '' under each category. To say the least I found this interesting. I later decided to fill out a Verification letter from CFPB ( XXXX ) and mailed it off via USPS Certified mail on XXXX/XXXX/XXXX ( file attached ). I have been very proactive in dealing with creditors since my wife and I had a major financial setback in late XXXX. The last time I had utilized XXXX credit was on XXXX XXXX, XXXX and to this date, XXXX/XXXX/XXXX I have had no contact from either XXXX XXXX ( XXXX Bank ) nor ACI in any form whatsoever. I also found it odd that upon viewing recent XXXX reports, from XXXX XXXX and from XXXX XXXX, ACI appears nowhere on any of them in the reporting of this debt, however they requested an " Account Review Inquiry on XXXX/XXXX/XXXX ( screen shot attached ). Now, my last recollection of my balance with XXXX XXXX following my last purchase in XXXX XXXX was approximately {$1600.00}. The amount that I was able to view upon logging in on the ACI website before the info apparently was removed was {$2100.00} ( screen shot attached ) which of course I found completely outrageous to say the least given the lack of contact, not to mention it could very well be violating various codes ( XXXX XXXX XXXX XXXX - XXXX, XXXX & XXXX ). Again I will reiterate, I have not received any communication from ACI let alone XXXX XXXX in any way shape or form since XX/XX/XXXX aside from the " Account Review Inquiry '' on my XXXX report mentioned above.
Consumer complaint received 2016-03-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: SLM CORPORATION (WA)

Have received Sallie Mae biilling notice, acct # XXXX, but not sure that all XXXX loans are in my name or son 's name. The bill is not clear, there is no date that the loan was taken out, for what person and what schoo. XXXX of the loans I am wondering if it was even mine ( ours ). The other concern is the high rates 10.375 %!!! I am a little surprised at the high rate -- they should be fairly low ( lower ) due to the low interest rate as well. First Salle Mae 's billing summary stinks and is not clear ( I should easily have access to my account to clearify what ( school ), when and to whom the loans are for because there maybe an error. Secondly I would like to consolidate or at least get lower rates, Sallie Mae does not provide that information as well. Concerend there is an error in my loan. Sincerely, XXXX XXXX
Consumer complaint received 2015-12-29
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (CA)

I graduated XXXX in XXXX XXXX and could n't find a job until XXXX XXXX. But my private loans would n't put me in a deferment status saying I used it all up when I graduated XXXX. Now my loans are close to default and I 've tried to make payments once I got my job but then was let go and they do n't care and are about to default my loans.
Consumer complaint received 2015-12-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (KY)

We fell behind on our mortgage. Our loan went through XXXX different companies all of which were unwilling or unable to help including XXXX XXXX XXXX. We arrived with Selene Finance. We have been working out a modification program and waited for 3 months for them to get a program together including them having to resubmit the request to the underwriters due to the fact that they wanted to add the amount we fell behind on the end as a balloon payment which is illegal in my state. When they finally sent the modification program they demanded us to put down XXXX in about 3 days after we got the contract by regular mail. Then they wanted our first payment 6 days after that. When I was told by the gentleman who was working our loan they would not require the down payment ( XXXX ) right away and the first payment on the loan would not be due until the month after the down payment was due. I called my worker many times and to get him to call back had to call two or three times a month for the same question. Now I am due my first payment after they fixed my paperwork to make the first payment due XXXX/XXXX/XXXX instead of XXXX/XXXX/XXXX and they have not called me back to tell me how to send my funds. I also received a letter stating they had not received my contract but had received my XXXX down payment and I had emailed it. In with the letter is a letter to another loan that is due their paperwork and I had to call the company for them to send out a new letter to the other customer. Their down payment was also considerably less then ours. This company has horrible practices. Also XXXX XXXX XXXX refused to help AT ALL!