davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-13
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I opened a capital one 360 Money Market account onXX/XX/XXXX At the time there was an offer for a bonus of {$500.00} when meeting the following terms : " Heres the full scoop on how to earn your {$500.00} bonus : Open a 360 Money Market account and deposit at least {$50000.00} between XXXX XXXX ET on XX/XX/XXXX, and XXXX XXXX   ET on XX/XX/XXXX. When you open your account, enter your promotional XXXX. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). If you have or had an open savings product with Capital One after XX/XX/XXXX, youre ineligible for the bonus. This offer can not be combined with any other Capital One Bank or Capital One 360 new account opening offer. Bonus is only valid for one account. '' The terms were still up on Capital1 website until XX/XX/XXXX on the following link. ( https : //www.capitalone.com/savings500/ ). That page has been deleted recently but it can still be seen here on ( XXXX XXXX XXXXXXXX : XXXX ). 

I have met every single term by XX/XX/XXXX, and eventually by the end of the offer period had a total of + {$52000.00} deposited to the account. To double check meeting the requirements I contacted Capital 1 on XX/XX/XXXX at XXXX via online chat and spoke with XXXX. XXXX confirmed twice I met all requirements and that I don't need to do anything else to receive the bonus beyond wait for 60 days. The referenced chat log has been attached along with the original terms. 

More than 60 days have passed and bonus didn't post so I contacted Capital1 again  over the phone on XX/XX/XXXX at XXXX and spoke first with XXXX, then a manager named XXXX. Both said I don't qualify for the bonus because I didn't have a " total balance '' of + {$50000.00} and didn't have the funds deposited within 10 days of account opening '' I informed both that those requirements were never in the terms. I read the terms back to them and asked them to specify which one ( s ) I didn't meet and wondered how does this fit with my previous correspondence with Capital 1 and XXXX on XX/XX/XXXX. They acknowledged the existence of the notes from XXXX but never the contents of them, and they kept going back to not having a " net balance '' of {$50000.00} which was never advertised originally. 

On XX/XX/XXXX Capital 1 and I entered into an agreement. I have done all what was asked of me and I even double confirmed that when the offer period was still active to make sure I have done all I need to do. Capital 1 did not honor that agreement.
Consumer complaint received 2018-12-27
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Utah System of Higher Education (UT)

On XX/XX/XXXX I had an appointment at Utah XXXX XXXX XXXX   XXXX ( XXXX ) in XXXX XXXX XXXX to discuss a repayment program, after 2 1/2 hours the person said she would run the numbers and get back with me but in the mean time be sure to make your {$50.00} payments. I never heard back from XXXX. On XX/XX/XXXX I sent an email to XXXX asking what was happening. I never heard back from them. On XX/XX/XXXX I emailed XXXX stating that my credit report was showing I had an " open '' credit account and that information was incorrect. On XX/XX/XXXX I received the first and only email stating that they reported the account closed as of XX/XX/XXXX and paid in full. XXXX reported the to credit bureau delinquent for XX/XX/XXXX, XX/XX/XXXX which is seriously affecting my credit. I followed through with what they told me to do, I paid {$50.00} every month XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and they still reported me delinquent. I finally had to refi with XXXX, and that too cost me. I would like my credit report updated and the delinquency taken off. I asked their office 2 weeks ago, they said they would not do that. Thank you for your help.
Consumer complaint received 2018-12-12
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. (CA)

EXPERIAN AND XXXX ARE WRONGFULLY REPORTING BANKCRUPTY ON MY CREDIT REPORT. I first disputed this with EXP and XXXX who stated that they " verified with the creditor -COURT- I contacted the court -clerk 's office and received in writing statement saying they do NOT communicate, report, confirm or verify any information with the bureaus so this validation by EXPERIAN AND XXXX IS A LIE/ FRAUD 2 ) I then was told that they receive this public records information from company called XXXX XXXX whom I contacted they TOO stated in writing that they did NOT communicate with Experian or XXXX  about my file, they also sent request but did NOT hear from them- see attached proof. so this validation by EXPERIAN AND XXXX IS A LIE/ FRAUD 3 ) XXXX  XXXX- mailed me deletion statement for this public record being deleted/null/non existent in my name and my ss # which I forwarded to the credit bureaus EXPERIAN AND XXXX. Who in turn AGAIN sent me statement saying they " verified with the furnisher the information reported being correct and accurate ... '' BUT IT IS NOT!!! - SEE ATTACHED PROOF AND PLEASE DO SOMETHING ABOUT THIS, ISN'T THIS A VIOLATION OF FEDERAL RULES AND REGULATIONS.
Consumer complaint received 2018-12-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

As long as Equifax avoids addressing my issues I will continue to send compliants via this portal. I have asked repeatedly that negative information be corrected because of inaccuracies and so has the credit card company, but Equifax won't even read my dispute to see what I am referring to exactly. I have so many generic responses from them in letters and on Equifax.com that I am getting so frustrated asking for specifics to be verified because all they do is verify the whole account and disregard my specific complaint completely. When a small piece of information impacts my whole financial life how dare they pretend like they can't hear me or see my issue. what is the purpose of deleting all around that month but not that month??????? Why not address the specific month and the specific information I am disputing and STOP brushing consumers off with mediocre responses and generalizing a complaint and refusing to change the misinformation? The XXXX account that begins with XXXX has and incorrect 30 day late that XXXX acknowledge and reversed due to fraud, for some horrible reason Equifax, and only Equifax, is not changing the negative information and so I ask them to remove the whole account as it violates the law but I get the sam robotic response from them .... 

How many months do people need to wait for Equifax to respond, acknowledge or consider what is being complained about and correct or delete the account based on facts, phone calls, fraud alerts and complaint history?
Consumer complaint received 2018-10-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: McCarthy, Burgess & Wolff, Inc. (MD)

On XX/XX/2018, XXXX was contacted about past due account and reason ; payment arrangements were made to restore service. XXXX stated account could not be restored until full amount is paid. 

On XX/XX/2018, XXXX was contacted about additional charges on the account, promise to pay arrangements were made, and the agent stated the account would be notated so that the account will not be transferred to collections. Another payment was made following the call. 

On XX/XX/2018 I received a collection notice from an attorney office via email at XXXX claiming they tried contacting my office to collect a debt on behalf of XXXX without a response which is a negative and false. The cellphone has been temporary suspended due to non-payment. XXXX was immediately contacted referencing the harassment and was unable to resolve.
Consumer complaint received 2018-12-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL (OK)

paypal is the company for the last month i have went to the site nearly daily to pay down my account balance and to make the payment online as i have done for the last few years. every time i go there it says unable to make payments at this time. 

then after several weeks of this i done the online chat to find out they are working on their system and did not know when to expect it to be fixed. 

they then told me after weeks of unable to make payment at this time that i could pay over the telephone or send in my payment. 

this should be posted right where the unable to make payments at this time is and should tell you since hard paper billing is not on to turn it on so you can know where to send the payments to. 

i feel this is like a payment trap for senior citizens in that they may not know how to navigate to find all the information needed or may end up owing late fees due to waiting for unable to make payments at this time, thinking it is going to be fixed and has been like this for weeks with modern technology being as it is, you would think this problem should have been fixed by now. 
what this is telling me is our bank accounts and credit cards may have been compromised with all the hacking into online systems and that the company is trying to fix it or hide it, until maybe they are able to secure the server
Consumer complaint received 2018-12-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

I paid XXXX XXXX XXXX XXXX XXXX {$18.00} by XXXX Check # XXXX dated XX/XX/2018. They kept billing me for the same amount. Eventually they referred the bill to a collection agency that is now trying to collect this amount. The collection agency is Transworld Systems Inc, XXXX XXXX XXXX XXXX XXXX XXXX Washington, PA XXXX. I notified Transworld that the debt was paid but they keep billing me and attempting to collect.
Consumer complaint received 2018-12-13
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: NAVY FEDERAL CREDIT UNION (NV)

XXXX  has been non-compliant with removing the unverified account NAVY FEDERAL CU Date opened XX/XX/2015 which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that NAVY FEDERAL CU was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-12-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/2018 I attempted to submit a {$300.00} payment to USAA for my auto loan. But I received an error stating " Currently we are unable to process your payment due to a system error. Please submit this payment later. ( XXXX ) ''. I reached out to USAA online support directly after receiving the error and they stated " XXXX XXXX : Good to hear! I apologize you are unable to make a payment to your loan. We are currently experiencing technical difficulties. Our technical specialists are fully aware and are working aggressively to resolve the issue. I apologize for any inconvenience this has caused you. I do not have a timeframe of when this will be fixed, however, please check in within 1-2 hours to resubmit your payment ''. So the next day XX/XX/2018 I made a {$300.00} payment for my auto loan. On XX/XX/XXXX I checked my bank account and seen two withdrawals listed on my account history for XX/XX/XXXX and XX/XX/XXXX. I contacted USAA to make them aware of the situation and provided them my external bank records to show the multiple withdrawals of {$300.00}. USAA stated initially they didn't see the payment, But then stated that they could see it, but it did not post to my auto loan. USAA called my external bank ( XXXX Convenience XXXX with me on the phone to get the tracer number ( XXXX XXXX XXXX XXXX XXXX ) for the {$300.00}. I asked USAA for a provisional credit the say no and they also stated they could not reverse my auto loan payment because it would make my account delinquent. On XX/XX/2018 I filed a claim with my external bank for the {$300.00} and I was credited the next day. But USAA reversed my car payment making auto loan delinquent. I didn't know they reversed my auto loan payment until USAA called me Saturday XX/XX/2018 asking for payment. I was transferred to executive resolutions where they stated they don't know why it was reversed and should not have been reversed. XXXX with USAA 's executive resolutions said she reached out to the back office and they researching to see where the funds went. Also stated that I could not get my money back until they see which department it went too. On XX/XX/XXXX XXXX called from USAA stating they located the funds in a back ledger and they were being processed back to my auto loan backdated to XX/XX/XXXX. She said it would take 24-48 hours. On XX/XX/XXXX XXXX XXXX called stating that the back office is having trouble locating the funds and asked for a tracer number which i told her that its in their system because we called and got it previously. She quickly looked it up and seen the tracer number. She said she would forward the information for further research to the back office. I called USAA XX/XX/XXXX to ask about for a status update of the {$300.00} and was told they have no information.
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

On numerous occasions I have disputed incorrect addresses reporting on my XXXX  credit report. I disputed the address starting XX/XX/XXXX continuously and one representative I spoke to said that those addresses were removed which was a lie because they are still there. This could be a possible fraudulent address and is not taken seriously. 

XX/XX/XXXX. Confirmation Number XXXX XX/XX/XXXX Confirmation Number XXXX.
Consumer complaint received 2018-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have notified all three credit reporting agencies of three accounts listed on my credit report that are not mine. I also let them know I am a victim of identity theft and that the creditors are unable to validate the accounts as belonging to me when I called each company. I also notified them that I filed a report with identitytheft.gov and that I would be filing a complaint with you. I have notified them of this twice and they have failed to comply with section 605B of the FCRA. I have attached the letters and attachments I have sent to each twice. The most recent being XX/XX/18.
Consumer complaint received 2018-12-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

Hello I am writing to you hoping you can help me, I have had so many issues with my bank, I have called, went into local branch, changed my debit card twice and still same issue occuring, also when I had a refund in the amount of XXXX from XXXX on XX/XX/XXXX it never was processed, I called and finally after third time I was able to speek with manager who then proceed to apologize and say they where having alot of refund issues during that week, but that didnt help me with over 200 in overdraft fees, and my car insureance was going to be canceled because of the amount of money they where taken out from me with no refund, two days later I recieved an email from XXXX stating my bank is demanding the XXXX because it was fraud!!!!!!!!!! THEY ARE LIERS, AND I FILLED OUT FORMS TO STOP random withdrawals from internet sites such as XXXX, XXXX, XXXX, XXXX, ect they have charged me over 600.00 due to all of this and still proceed to withdraw. Can you please help?
Consumer complaint received 2018-07-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (FL)

I had a credit card and was not able to pay for it due loss of work and explained that credit card company and they decided to send it to collection a screwed up my credit when I made numerous attempts to ask them to hold a bit longer due was not able to find work. It is not easy finding work in the state of Florida
Consumer complaint received 2018-12-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (UT)

I writing this letter because I think there should be a better option to modify my loan. I have paid my house for the last 23 years and I have 7 years left in my mortgage and this is the first time I ask for help because I was forced to retire and I am looking for a job that allows me to continue in a better situation. It is not fair that for this reason I see myself at risk of losing my home. The interest they are giving me is 8.5 % and they are beginning to 40 years. If they gave me the interest that is in the market 4.5 % my payment would go down and I could have a better quality of life. They offer me a 40 years mortgage with an 8.5 % interest rate, I am behind 2 payments. They offer me this option that is not good and they are taking advantage of this because it is the only option that they leave me. If they reduce the interest rate they can make my payment affordable and be able to stay at my house and no became homeless. 
I want to keep my house with affordable payment.
Consumer complaint received 2018-12-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NV)

We refinanced our FHA loan from XXXX to Lakeview ( The XXXX XXXX XXXX ) sometime XX/XX/XXXX. We opted for the same type of loan, FHA. In our Closing Disclosure, we opted to have the Home Insurance and HOA excluded in escrow. But, last XX/XX/XXXX, XXXX started paying our Home Insurance to XXXX, After several attempt to contact someone about the issue, XXXX   advised me to email a copy of Loan DIsclosure to them. A copy of Closing Disclosure was emailed on XX/XX/XXXX and they assigned a ticket number ending in XXXX. 

On XX/XX/XXXX, XXXX affirmed that my request to remove the Home Insurance from my Escrow has been forwarded to Escrow and they marked my issue Resolved. 

On XX/XX/XXXX, we received a letter from Lakeview denying our request to waive Escrow. We did not request to waive Escrow. We requested to exclude Home Insurance from our escrow. 

I restarted the painful experience of talking to XXXX, this time, they claim that they can not remove the Home Insurance from Escrow as it it required by FHA.

To our dismay, we have been paying the Home Insurance ever since we financed the property from XXXX XXXX. 

Our patience is drained and totally helpless, despite of our Closing Disclosure. We feel that XXXX is giving us wrong information, run arounds, or LakeView deceived us to refinanced.
Consumer complaint received 2018-10-18
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (NJ)

DEAR SIR/MADAM, I RECEIVED OKLAHOMA TAX REFUND AS A DEBIT MASTER CARD, A XXXX CARD, END OF XX/XX/2018. I ACTIVATED IT AND THE THE TOTAL AMOUNT THAT OKLAMHOMA REFUNDED WAS {$370.00}. HOWEVER WHEN I WENT TO USE IT I COULD ONLY USE {$370.00}. THUS, I CALLED MANY TIMES TO GET MISSING XXXX REFUNDED. I NEVER CALLED TO GET THE BALANCE ON THE CARD, BUT THE COMPANY HAS A SCAM THAT EVERY TIME YOU CALL THEY CHARGE YOU XXXX, EVEN THOUGH YOU DO NOT WANT THE BALANCE. SO JUST TO SPEAK TO A REPRESENTATIVE YOU GET CHARGED XXXX, THIS WAS NOT NOTIFIED TO ME WHEN I RECEIVED THIS DEBIT CARD FROM OKLAHOMA TAX REFUND. THIS IS THE FIRST TIME I HAVE RECEIVED THIS TYPE OF DEBIT CARD. MY LAST CONVERSATION WAS WITH A SUPERVISOR NAMED XXXX XXXX XXXX ON XX/XX/2018 WHO SAID I WAS REFUNDED XXXX ONCE BUT NOW I HAVE A NEGATIVE BALANCE BECAUSE I CALLED SO MANY TIMES, SINCE EVRY TIME I CALL TO SPEAK TO A REPRESENTATIVE THEY CHARGE XXXX CENTS. XXXX XXXX OWNS XXXX XXXX, THE NUMBER OF XXXX IS XXXX, THE NUMBER OF XXXX IS XXXX. PLEASE ASSIST ME SO THE COMPANY SENDS ME A CHECK FOR XXXX, THEY SHOULD CLOSE MY ACCOUNT AND MY CARD. I ASKED XXXX TO DO THAT BUT SHE WILL NOT CLOSE MY ACCOUNT, SHE SAID SHE WILL CLOSE MY CARD BUT WILL NOT SEND ME EMAIL OR MAIL VERIFICATION THAT THE ACCOUNT IS CLOSED.
Consumer complaint received 2018-12-13
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. (TN)

On XX/XX/XXXX and XX/XX/XXXX, submitted an application with XXXX for the XXXX Holidays. And I submitted an application for Healthcare. 
I am a senior citizen and on a fixed income. Experian is preventing me from getting healthcare insurance. 

I was given a code : XXXX. The representative wasn't able to to verify my identity. 

The only thing correct about me was one of my employers. 
1. In XX/XX/XXXX, I was employed with XXXX XXXX 2. XX/XX/XXXX-XX/XX/XXXX I was employed with XXXX 's XXXX. I was employed with XXXX 's on XXXX XXXX. 
3. XX/XX/XXXX-XX/XX/XXXX I was employed with XXXX XXXX  XXXX & XXXX XXXX 

I was born in XXXX County/XXXX TN. 
You have telephone numbers that all began with area code ( XXXX ). I have no Idea where that's located. 
I have a bankruptcy case number from XX/XX/XXXX- ( XXXX ). I was asked certain digits, that we're none of the above. I had a XXXX & XXXX   bill on my report ( XXXX ), have been paid on. The property was at XXXX XXXX, XXXX XXXX TN XXXX. I have a new account number, because I have another place to live. I've sent you a copy of the new bill. I've expressed on several occasions, that I am a victim of identity theft/fraud. The court records are public and this information can be verified, if you take time and investigate. I've reported the abuse to IRS, FTC, and every enitity I can possibly think of. Someone have created EIN numbers using my personal information.