davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-17
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

As a loyal customer of Santander Bank, I am not happy that I had to hear from another Bank that Santander had a privacy breach. As a customer I would expect Santander to notify its customers, but instead I need to hear the news from another Bank that received a privacy breach letter from Santander. The letter another Bank received discussed the following : On XXXX XXXX, 2016 Santander Bank sent an image cash letter file to the FRB and the file did not have a correct alignment of the data to the image records and as a result, it is possible that check images from the file were viewed by third parties or unintended recipients of the check images. Being a resident of the state of Massachusetts where privacy is taken extremely serious and being a customer of Santander, you would think the Bank would notify its customers that such event occurred or let them know the event occurred and their information is safe whether an image of their check or information was viewed by a third party or not. 
I have been highly unsatisfied with Santander 's customer service recently and this just puts the icing on the cake in terms of me taking my deposits elsewhere. I do not see how this Bank could keep me as a customer at this point. Recently, they decided to take away my XXXX checking account with no reason on why the product was being cancelled even after I asked to be contacted. They even went to the level of being unfair and deceptive in terms of only offering {$150.00} to new customers of their simply right checking product which is what they are putting me into after closing their extra20 product and told me that existing customers do not qualify. So they are forcing me into a product I do n't want and not offering me a bonus because I am not a new customer. None of this makes sense. You would think that they would offer existing customers something after forcing them all out of a product. You would even think they would grandfather customers into the product to not lose them or get to the point where a complaint has to be filed because the Bank is becoming unfair and deceptive to its customers. 
If Santander wants to win my business back they should be notifying their customers about this breach and always honoring their customer requests to keep them in products they are discontinuing. The Bank should be fair to its customers and not try to deceive them as well. If they can not do this they are just turning into a XXXX XXXX and will wind up in the news in a negative light for being unfair and deceptive. I am sure I will not be the only customer to complain or approach the news stations on this topic. 
I hope the CFPB and regulatory agencies can assist in this matter and force Santander to clean up its act.
Consumer complaint received 2016-05-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MO)

HSBC has failed to provide an IRS Form XXXX to me for 2014. I can not file my taxes without it and the IRS has contacted me about being late. I have contacted HSBC numerous times without successful outcomes.
Consumer complaint received 2016-05-17
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: ALLY FINANCIAL INC. (OH)

I filed a dispute with my bank ( Ally Online ) regarding charges from a XXXX merchant that I requested be refunded. The XXXX merchant did not comply with the refund so I had resorted to disputing the charges with my bank. The date of the charges were on XXXX/XXXX/2016 and I contacted the XXXX merchant on XXXX/XXXX/2016 to tell them to refund me the full amount. I also contacted my bank that day to open a dispute about the charges just in case. The XXXX merchant confirmed that I would see the refund by XXXX/XXXX/2016 credited back to my account but by that day, only a portion of the full amount had been refunded. So I proceeded with pursuing the dispute through my bank and on XXXX/XXXX/2016 I was given a form to give a written account of the dispute. I completed and submitted the form on XXXX/XXXX/2016 and received no confirmation that the form was received by the disputes department ( using e-mail address XXXXXXXXXXXX ) and assumed they would contact me if and when they had or needed more information. Jumping ahead to XXXX/XXXX/2016 ( the date of this complaint ) I called to follow up and learn that they incorrectly closed my dispute because I said I was going to pursue the refund with the XXXX merchant directly. Not only is that false, but its stated right in my written form that this option was already pursued, unfulfilled, and that I expected the bank to pursue this route on my behalf. They did not issue the provisional credit back of the amount that I disputed within 10 business days of me submitting the complaint and they also incorrectly closed my dispute without any notice to me.
Consumer complaint received 2016-05-17
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: AKT AMERICAN CAPITAL, INC. DBA AMERICAN CAPITAL CORP. (CA)

I called ACC Temecula Home Loans to get information about the Section XXXX XXXX Home Loan. Their website says they are specialists in XXXX loans. I found out that they are not approved to offer the XXXX loan. When I called to ask questions about working for them and being a Loan officer they assured me I could offer this loan to clients. This just seems like false advertisement and bait and switch to me. This is not right for XXXX that want the XXXX XXXX loan.
Consumer complaint received 2017-08-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (NY)

In XXXX of XX/XX/XXXXWe filed for chapter XXXX bankruptcy. In XXXX of XXXX we completed 3 trial payments for a loan modification. Loan documents were sent out to be signed. We never received the documents. Because we completed the trial payments I was under the impression that our modification was complete we waited to see what our new payment would be before making any more payments. I call every month to find out What our new payment would be. After nine months, I was told that the documents were sent to my attorneys offices and returned twice. At this point our home went in to foreclosure and a court date was set for us to have to move out and turn over the home. The date was set for XX/XX/XXXX. It was Seterus fault that we did not receive our documents by XX/XX/XXXX. They never contacted me to let me know the status of our modification and what we needed to do. When I called I was never given any information as to where my documents were. Interest in late payment fees were added into the loan and our loan has in creased by over {$100000.00}. When we bought the home in XX/XX/XXXXWe paid XXXX We put down XXXX we got a mortgage for {$340000.00}. In XX/XX/XXXXwhen the loan was transferred to Seterus our mortgage balances was approximately XXXX.
Consumer complaint received 2017-08-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (NJ)

Filed a complaint before about how they were calling me over and over. They are still doing it and one person who called was talking about me being a beggar and I have it taped on my cell phone. I just got another call where the guy was ignorant and would not let me talk and kept talking over me. Told him to please listen since I will not argue and I will hang up. He stated I will hang up for you. The phone number was XXXX. I get about 5 different numbers that call me from all over, Florida, NY, Illinois, Philadelphia, north jersey, Arizona, and California. I am not sure why I am getting calls all over the place maybe it is to mask their phone number so you answer the phone. They do not seem to care about or want to wait till I go back to work and if someone tells me to go work in a convenience store again I am going to lose it. THey act like I am not trying to get a job over the summer. They are very ignorant and I am very stressed out since I am also losing my home.
Consumer complaint received 2017-07-27
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KAHRS LAW OFFICES, PA (KS)

The complaint I have is about Kahrs Law Offices P.A. located in XXXX, Ks. They were handling the debt that my wife owed to a payday loan company. We were served by a sheriff and given paperwork for a court date but could pay the amount of XXXX before then and not go to court. I continuously tried to contact the office to pay off the debt and left all the information that they stated on their answering machine to have them call me back. No one ever answers the phone or bothers to call me back. The day of court my wife could not make it and still no one had called me back. Their office opened at XXXX XXXX so i tried as soon as they opened to contact them. It was at this time that a the woman who 's office it was finally answered the phone, i stated that it was my wife 's account and all I wanted to do was pay the debt of {$600.00} to pay it off. She then told me she could not talk to me, because i was not on the account. I told her my wife was at work and being that she works for a XXXX XXXX it would be hard for her to get time to call her to pay it or put me on the account, and that the time for us to be in court was at XXXX XXXX so i just wanted to pay it to insure that we did not accumulate any other fees. She again informed that she could not talk to me because i was not on the account. So after getting off the phone with her I tried to get ahold of my wife at work and to try and have her give the lady a call for fix it. By that time it was a little past XXXX XXXX when my wife finally got the chance to call her. My wife did not have a lot of time so she put me on the account so i could pay it. When i called back to pay the debt that lady informed me that since it was now after XXXX XXXX that we would now owe them XXXX XXXX dollars. So i paid the XXXX dollars while one the phone with them. After about a month we received paperwork saying my wife 's check would be garnished for the remainder. As check after check was garnished i immediately noticing that more than 400 dollars had been garnished. So I called back to Kahrs Law Offices to see what had happened. After yet again continuously calling getting nothing but answering machines, i finally got ahold of someone. I was then told by this lady that the amount that we owed after missing court was not XXXX XXXX dollars in fact it was XXXX. I asked her why the other lady told me it was XXXX XXXX and she was rude and said I could not tell you why the other lady told you that you only owed XXXX XXXX dollars.
Consumer complaint received 2017-08-17
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. (PA)

XXXX XXXX Naviant offered me the incomes based repayment plan in XXXX of 2016 of approximately {$260.00} federal/ {$43.00} personal. The income based amount was exactly the same as the amount already being paid. When XXXX was called to discuss this, as I could not afford this, they put me into deferment. Why is it not possible to obtain a monthly payment that is based on my actual income of my family of XXXX. Also after paying the payments on time for three years no traction was made toward paying off the student loan. I have since made a {$4000.00} lump sum payment from my retirement which they negatively reported on my credit. Please assist me into finding an acceptable resolution to my problem. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

The bank closed and restricted two of my accounts with out any prior notifications and when I called to require about the issue a representive told they had no explanation for why and I needed to contact the security intake team because it was under review. I contacted them several times throughout the past month and I am sent directly to voicemail. They charged a reversal amount of XXXX $ which was deducted from the account without my knowledge or approval and I had XXXX in my checking account. These actions has caused me to be evicted from my place of residence and a lot emotional, physical, mental and financial and unnecessary stress on my family. I have e-mail the CEO of the bank and whomever else I contact to get this resolved but no response or results.
Consumer complaint received 2017-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (TN)

I am contesting the account with SYNCB/CHEVERON DC. It is an account that was opened without my consent. It is showing a balance of {$440.00} with a {$250.00} credit limit. XXXX is stating on their report that it is even late and over the limit with a 176 % usage. I need XXXX and SYNCB/CHEVERON DC to correct this account on my XXXX report. I should not owe SYNCB/CHEVERON DC anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my XXXX report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from XXXX Report and corrected. Please remove. It has been corrected on my XXXX and XXXX  reports, too.
Consumer complaint received 2017-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (CA)

My card was changed from an XXXX to a VISA and When it became a VISA XXXX sent me a bill saying that my new min payment was {$2200.00} ( 20 % of the amount owed ) which is substantially higher than what it always had been with XXXX approx 2.5 % of the amount owed. I paid at least the 2.5 % as I always have, then they proceeded to report late payments in XXXX and XXXX 2016 ruining my credit. This isnt right and they need to be held accountable. You cant just jack up a min payment from 2.5 % to over 20 % without any warning!!!! SEE ATTACHED DOC
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AUTOMOBILE ACCEPTANCE CORPORATION (MN)

In XX/XX/XXXX my credit score dropped 76 points. I was n't sure why because I have all open accounts paid on time. A closed account from Automobile Acceptance that was closed in XXXX was reopened and showed my last payment as of XX/XX/XXXX. I contact the lender and also disputed with all three credit bureaus. I opened a complaint with the XXXX XXXX XXXX and the company admitted it was a mistake due to a new payment system. They also said that it would be fixed. Months later still not fixed. I sent the attached letter to the credit bureaus showing the mistake and they still have n't fixed it. The company still has n't fixed it. This has caused a 76 point drop and due to this I ca n't qualify for a home.
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX stated that they are not going to report any late deliquencies or repossession or collections or missing payments to Experian, XXXX and XXXX because of my vehicle loan issues and disputes. Also accommondate me on my XXXX XXXX  under my XXXX XXXX Act Civil Rights.under the Department of Justice. Is upon the discretion of a company management to report to credit reporting agencies and in good faith a full payment of {$880.00} was paid on XX/XX/XXXX on my birthday to accommondate the disputes of loan issues and interest rate of 17 %. The full payment was debited from my XXXX XXXX XXXX Checking account. I can not afford to have bad credit and low scores because I am trying hard to find me a lender that will lower my monthly payments of $ XXXX {$440.00} and high interest rate of 17 % with XXXX. Is XXXX in Retaliation because I file various Federal Complaints and seeking to destroy my credit so I do n't have another lender? I am XXXX XXXX and Retired. Notice : My XXXX Account Loan # XXXX XXXX XXXX XXXX XXXX Purchase on XX/XX/XXXX in XXXX, Texas while under Bankruptcy Chapter XXXX proceedings. On XX/XX/XXXX I receive credit reporting Monitoring Alerts on 30 days late, Deliquencies, missed payments on my vehicle loan. I am a Military Veteran, XXXX XXXX.
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

EXPERIAN AND XXXX REPORTS A XXXX XXXX THAT WAS REMOVED 4YRS AGO NOW ITS UNDER XXXX XXXX XXXX. THAT WAS REMOVED FOR ID THEFT PLS REMOVE IT
Consumer complaint received 2017-08-17
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. (MD)

I had a short sale due to financial difficulties back in XXXX 2015. XXXX XXXX XXXX XXXX was the first trust lender. IT was agreed upon that for the short sale to be approved, that settlement was to happen no later than XX/XX/15. ( actual settlement was XX/XX/15 ). The proceeds to be received by XXXX XXXX  from the sale must be greater than or equal to {$340000.00} ( which they received ) and a cash contribution on my behalf for {$6000.00} in certified funds ( which they received ). I have a signed letter from XXXX XXXX Mortgage loss prevention supervisor to reflect this and also a HUD 1 settlement sheet. I had my credit pulled this month and to my surprise a collection from XXXX XXXX showed up on my report in the amount of {$54000.00}! I have called numerous times and have been transferred to other departments. I had left messages with no avail. I need your help to have this updated and removed. Is n't a short sale taking less than what is owed? No they want me to pay them back over and above to what was agreed. This is predatory in it 's best nature. Thank you,
Consumer complaint received 2017-08-17
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)

I contacted to have multiple inquiries that I was not aware of and others that were done multiple times from one request removed from credit and was not assisted with this issue. XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Page XXXX5 of 45 Requested On : XX/XX/XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX via XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXXInquiry Type : Individual XXXX XXXX XXXX XXXX via XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (LA)

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have made several attempts to fix these issues directly with them. They are still violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either give me my money or delete these accounts ASAP.
Consumer complaint received 2024-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (VA)

I am writing to formally request the removal of a collection account from my credit report due to inaccuracies and issues surrounding this account. 
Account Information : * Creditor Name : Progressive * Account Number : XXXX * Collection Agency : XXXX XXXX XXXX  * Date of Collection : XX/XX/year> Reason for Complaint : 1. Inaccuracy : I have no agreement with the original creditor for the past due amount being reported also the terms are incorrect 2. Lack of Proper Notification by collection company and they have not sent me a validation of debt.

I request that the CFPB investigate this matter and assist in the removal of this collection account from my credit report. This entry is negatively affecting my credit score and overall financial well-being. 
Thank you for your attention to this matter. I look forward to your prompt response.