davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (VA)

On XX/XX/XXXX, XXXX XXXX XXXX while in College, was approved for a Discover Credit card, Joint with his father, XXXX XXXX, XXXX Due to financial situation, loss of his father job. XXXX XXXX and wife XXXX XXXX, filed for chapter XXXX Bankruptcy on XX/XX/XXXX. During the XXXX hearing for creditors, did not show up to dispute this debts being our bankruptcy petition. On XX/XX/XXXX we received a discharge for this debt. After our discharge, Discover Credit Service, transferred the {$1000.00} final balance to XXXX XXXX XXXX credit report, to continue to punish his for a debt, already written off from Discover Credit Card Services.
Consumer complaint received 2017-01-17
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: AMERICAN EXPRESS COMPANY (RI)

I am writing about my American Express Blue for business account. Amex cancelled both my cards and tripled my interest over a repeated billing problem even though I caught the problem when it happened and called in a payment immediately. My payment was never delinquent more than 4 or five days. They cancelled both my cards and raised my interest rate from 8.99 % to 29,74 % on the {$18000.00} I owe them. My membership with Amex since 1980 is proof enough that I am a good customer and that I pay my obligations on a timely basis. 
I 'm retired with a fixed income, did Amex just not want my business anymore because of that?
Consumer complaint received 2015-05-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

This is a case in which my ex husband was still covered under my medical insurance, but saw a doctor after our divorce and the delinquent bill is being reported under my name. His current address is also being reported on my credit report in which I have no affiliation. I have requested the removal of XXXX items twice and Experian has not done it nor have they provided me with the reason why. XXXX XXXX did remove all information but I continue to fight with Experian.
Consumer complaint received 2020-06-24
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. (AR)

Ive been cosistent with paying my bills on time. Im saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX {$3300.00} XXXX   XXXX {$2100.00} XXXX XXXX {$21000.00} XXXX XXXX {$310.00} XXXX XXXX {$28000.00}
Consumer complaint received 2020-06-25
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I was looking to refinance my home in XXXX. I got several offers and went with the best one from freedom mortgage. My current lender PennyMac reached out to me they would match or beat it, I liked the PennyMac services so I agreed ( they would match the APR and the closing costs saving me thousands from Pennymacs initial refinance estimate ). I signed closing documents with a notary approximately XXXX. On XXXX the title company called and said that PennyMac changed my HUD-1 form  and I owed {$8000.00} XXXX previous HUD Estimate was $ XXXX ) by the following Monday. 
I contacted PennyMac and they said they would work to fix the issue, after having several managers, loan processing agent and many representative involved, I went through four additional notary appointments to close, all of which the notaries reported the day before that PennyMac did not send them the documents and they could not have me sign. I am not being informed that they will force close the loan and are offering me a higher interest rate and about {$10000.00} in closing costs. We reached an agreement in XXXX and they have failed to get the documents in order and already agreed to a closing, I was also informed that they may be collecting a daily interest on my closing since the signing in XXXX which the reps and the loan processor are unable to deny/confirm. 

Complaint : PennyMac needs to honor the initial agreement they had me sign as I have waited four months. They should also be liable for the four months of interent on the payments I made. 

As of today, the representative reported, They can not process my loan because they have not pulled a credit report. This again is there portion and relatively simple, they have also added a closing charge of {$75.00} to pull the report in XXXX.
Consumer complaint received 2020-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (NJ)

Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX, XXXX, and XXXX  credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature
Consumer complaint received 2020-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

NewRez/Shellpoint has begun adding ESCROW payment to my mortgage statement as of XX/XX/2020. Prior to them taking over my mortgage from XXXX XXXX Escrow was not attached to my loan as I paid my Taxes and Homeowners Insurance separately. 
My mortgage payment was : Princ : XXXX Inter : XXXX Escrow : XXXX Mtg Pmt : XXXX NewRez/Shellpoint has added Princ : XXXX Inter : XXXX Escrow : XXXX Mtg Pmt : XXXX To date they have assessed a total of {$800.00} due.
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (IN)

Below is a dispute letter I sent my credit card company on XX/XX/XXXX along with all the documentation I have attached which was my second dispute because they declined my first one. Since then, every time I call them, I get the run around. I called them on XX/XX/XXXX to check on the status and the person tells me that I shouldn't have opened another dispute because the first one was still open even though they sent me a letter on XX/XX/XXXX declining my dispute. So the lady tells me that she is updating my case and that XXXX has until XX/XX/XXXX to respond to the dispute and that I would know something by then. It is now XX/XX/XXXX and I just called Barclay again and still nothing has even been investigated. I am hoping that someone can please help me with this. 

On XX/XX/XXXX I booked an all-inclusive vacation with the online travel agency Bookit.com. 

{$4900.00} was charged to my Barclay credit card account on XX/XX/XXXX which was then paid off with my monthly payment at the end of that billing cycle. 

I received an email on XX/XX/XXXX confirming my reservation from XXXX. Please find the attached copy of this email. As you can see, I was due to fly out with XXXX XXXX to XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX announced they were closing all call centers and that all resort bookings would be cancelled automatically. ( See attached notice from Bookit.com ). Additionally, that they were unable to refund any money to customers and that they should contact their banks or credit card companies for refunds. On that same date, I received an email from XXXX stating my credit card had received a credit for my booking of {$2300.00} which it did not and furthermore, that amount is not the full amount I paid for my vacation. 

After receiving that email, I called Barclay on XX/XX/XXXX to file a dispute. The lady I spoke to took down all my information but did not ask me to send any documentation. She simply stated they would investigate and get back with me. I received a letter from Barclay on XX/XX/XXXX stating they were unable to pursue credit on my behalf as the chip on the card was read and validated during the authorization process and CVV confirmed. This was not the reason for my dispute as I stated to the lady I spoke with. I am not disputing that I did not make the purchase, I am disputing the services not received. 

Due to XXXX closing, they have shut down all phone lines, emails, and website leaving no way for customers to make contact to pursue a refund or credit. Therefore, I am requesting that you open another claim for a chargeback of {$4900.00} for services not received.
Consumer complaint received 2016-03-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Since last year, BoA has refused to work with my family concerning a loan modification after our family suffered death in the family, and was trying to keep our home by working with XXXX Prosperity Program. BoA continuously lost submitted paperwork, ignored HAMP applications and chose to foreclose on us. For the past 6 months, reinstatement requests have been Repeatedly submitted, yet before today, 8 days before our scheduled foreclosure, we have received only two. One, 3 months ago or so, that was well expired upon receipt of it, and today, which also expired today. Why can not BoA provide a reinstatement quote that allows at least a week before it expires? They will not accept anything but the exact amount, so how can I give that unless we have a non-expired quote. Just as bad, BoA is hitting us with late fees, inflated late fees, that would not have been present had they properly serviced our mortgage and given reinstatement quotes on time. It took months and Repeated attempts to even get the 2 we have the past 7 months. Attempts were made each month, yet it appears BoA purposely failed to service our mortgage, so they could bill outrageous late fees and add to their profit at a foreclosure. This appears to be mortgage servicing fraud ; the reinstatement quotes were ignored and sent belatedly, and now they are foreclosing at a high profit. A BoA rep even advised us NOT to attend a foreclosure hearing. How wrong is that? Is that not fraudulent or at least predatory? Also, at a hearing, where I tried to get the court to order a reinstatement quote, which is why we finally got the one today, I asked BoA ; XXXX attorney for a reinstatement quote and he said he would get me one that week. He never did. I have tried earnestly to get one but they seem intent not to give me one in time. It is a scam to delay, tack on late fees, send expired quotes, and then foreclose with " added fees. '' That is unethical and wrong. That is mortgage servicing fraud. I could have reinstated 7 months ago, and far cheaper without the bogus late fees that have been added to my account. Do they not have a duty to give me adequate time and a non-expired quote in a reasonable period of time, not 3 months after the fact?
Consumer complaint received 2020-06-25
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. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Consumer complaint received 2015-10-27
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (MA)

I have a rushcard and I 've been locked out if my funds for over 2 weeks now.I 've missed a car payment, and i have XXXX kids all under XXXX yrs old and a XXXX wife.I 've been told they would call me the one time i actually got through to them that was well over a week ago.i know stuff happens sometimes but this should have been resolved a long time ago.i just want my money that i worked hard for.
Consumer complaint received 2015-10-29
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (GA)

I have been trying to speak with someone by calling Rushcard XXXX number. Every time I call I 'm either on hold for XXXX hours or they hang up, this last time the young lady was so rude I forgot why I was calling. These past few weeks have been a headache. I went from missing money to not receiving my deposits. I understand they might not come early anymore but it 's past my pay date and no XXXX will come to the phone. I have been a member since 2011 and you would think they would handle this more professionally. They need more customer service reps and to keep their customers in the loop.
Consumer complaint received 2020-06-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Service Finance Holdings, LLC (FL)

Two men came through the neighborhood selling solar panels. Wanting to lower our electricity bills and help the environment we agreed. The contract states 18 payments of {$100.00} and then after that term 240 payments of {$190.00}. The problem I have is that after looking at the not a bill statement they send out all the {$100.00} goes toward interest only. I immediately called Service Finance about all the money going toward just the interest and they said we agreed to this. Not what I recall! I said okay all upfront and then no interest after 18 months and they said no. You will continue to pay interest until the loan is paid off. I assumed it would be lower after the 18 months but no to that too. Yesterday I returned a missed call from them and I mentioned it again. The worker said it is in the contract. I looked at the contract today and it is not. I called Service Finance to ask where it is in the contract that says they will collect interest only for 18 months? The lady couldnt solve my problem and then put me on with a supervisor who said we dont break it down like that in the contract. I consider this fraud since they did not disclose that the first 18 payments would be interest only and they would continue to collect interest thereafter before we signed. We pay our debts. As I said that isnt the problem but we will not be able to pay this off anytime soon with the loan like this. I did try to move the loan but they will not refund the {$1800.00} in interest they have collected and whoever takes over the loan will also collect interest.
Consumer complaint received 2018-07-03
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: BMW Financial Services NA, LLC (CA)

I was minsinformed by a BMW representative that my account was current on XX/XX/2015 Since the account was current I made my normal payment by the XXXX of that month. It turns out that BMW had an Issue posting a payment from the prior month and lied to me when they said everything was current in the month of XXXX. Since I thought everything was fine I made a payment on XXXX and XXXX on my regular due dates. I did not find out until after my XXXX payments that they had reported me late. The representatives at BMW have constantly given me misinformation about what the last day is to pay my payment is and when the daily cut off time is. I had another instance where I made my payment before the next payment was due and they still reported me late. This happened inXX/XX/2017 when  the BMW website was down and they were not able to take my payment as confirmed, even though the website said the payment was in process. I called and explained that I did not want to make a phone payment and an internet payment at which time the BMW representative said everything would be fine and thered be no late reporting. Again the rep lied and BMW financial services damaged my credit. This company has now recently adopted the policy of not being able to dispute anything, including this dispute, unless its by normal postal mail. This policy just changed about two months ago. Please help. This is hurting my credit all so that this company does not have to give lower rates to its loyal customers.
Consumer complaint received 2021-05-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc. (NV)

I continue to get overcharged for services not provided to me by XXXX. they do not allow you to call them..they do NOT respond to emails and they continue to over charge each transaction by at least 3 % I have reached out multiple times abut have NEVER heard back from them. 

they deny you access to call them and it is beyond frustrating it is as they are stealing your money in the bright day light and you cant do any thing about it.
Consumer complaint received 2020-06-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I reached out to the XXXX post for a personal assistant job with XXXX XXXX. He interviewed me and offered me the position. He said that I would be doing some finance items for him - including depositing checks and invoices. He emailed me a check for {$2500.00} to deposit into my account and instructed me to go to the Post Office and get a money order for {$2000.00} and deposit them into an account at XXXX XXXX  for XXXX XXXX ( Account # XXXX Routing # XXXX ). After I did that, XXXX told me to take out the remaining cash of {$500.00} and go to XXXX  for a gift card, a XXXX XXXX Gift Card. After telling him that they did not sell the XXXX XXXX gift cards in the store, he told me that he would get back to me with what other types of gift cards " they '' accepted. After hearing this, I told him that I did not want any more part in this and that I would just mail him back the remaining money. He had a bit of a hissy fit but I have not heard from him since. Two days later, my bank informed me that the check was fraudulent and that I was on the hook for the {$2500.00}. I am currently unemployed due to the pandemic which is why I took the job even though it did sound a little too good to be true. I have the money order receipts and the deposit receipt as well and have reached out to my bank. My bank is now canceling my relationship with them and is holding me accountable for the full {$2500.00}, saying that since I initiated the money orders I am accountable. I tried to explain to them that I fell victim to a scam and that I have the emails and text messages that prove that I was not doing this to take the money, that I was doing this for my boss ( as I was hired ). Now, I have to find a new bank and somehow come up with {$2500.00} that I do not have. If I was not unemployed due to the pandemic, I would have never taken this job nor would I be in this position. BE CAREFUL.
Consumer complaint received 2020-06-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

To Whom it May Concern, I have been dealing with this issue with Navient since 2013. I am a recipient of the XXXX LRP program. I filed a complain with you ( XXXX ) regarding the reapplication of my LRP benefits. I have since received a report and I am far from pleased. What I asked for was the payments to be applied to the principal and interests for loan 1, 2 and 3. This should leave a balance of XXXX  based on my calculation and anything extra should role over to loan 4. I was disgustingly shocked by the report received from Navient. Now I understand why roughly a million students default on their student loans every year. The Principals for loan 1, 2, 3 and 4 are as follows : {$13000.00}, {$14000.00}, {$10000.00}, and {$16000.00}. According to the report received, the principal balances reflect the following in the same order : {$15000.00}, {$16000.00}, {$12000.00}, and {$19000.00}. As you can see this is a huge difference from the principal Navient is showing on their website. These figures do not include the interest accrued of the years prior ( since XXXX ). I was expecting to wipe out the total balances of loans 1 to 3 and may have extra money remaining to pay some of loan 4. This issue is becoming too much for me and my family. I want to get this behind me. I have been cheated. My father is very much incapable of repaying these loans and my sister and I want to pay them in it's entirety. He can not keep a steady job and the monthly payments for all these loans are equivalent to more than his monthly salary. At this point, I am more interested in coming to a settlement. I am willing to pay Navient {$45000.00} in 120 days. This is all the money I have in my 401K, savings and I will sell my car and some of my furnitures. I want to get this behind me. I have a history of mental illness. With the pandemic and all that is taking place in this world, I need to put Navient behind me for my sanity sake. There are so many layers to this insanity that I am no longer willing to entertain. I was to hear a balance of $ XXXX $ XXXX after the payments are recalculated. Nothing about this is right. Please take the settlement and allow me to move on from this. A this point in time I am exhausted. I am medically retired from the military and is dealing issues related to my illness and medical care. I can not take this nonsense. I do not understand what is going on and I am exhausted.
Consumer complaint received 2021-05-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (TX)

XX/XX/XXXX - Closed CashApp account, visa card ending XXXX. 

XX/XX/XXXX - XXXX sent refund to CashApp account with the visa card ending XXXX. Contacted XXXX to inform that CashApp account was closed. XXXX said they can not cancel the refund to reissue to another form of payment and to contact CashApp to retrieve the funds. 

XX/XX/XXXX - emailed CashApp customer support to request access to closed account so that I may retrieve funds refunded by XXXX or request CashApp send me a check for the funds. 

XX/XX/XXXX - emailed CashApp customer support & Square, Inc. customer support. 

XX/XX/XXXX - XX/XX/XXXX - Have emailed CashApp customer support multiple times. They keep sending me the same auto-reply email asking the same questions about the closed account and nothing has moved forward. There is no other way to contact CashApp customer support besides email.
Consumer complaint received 2016-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CT)

I disputed a business account that is reporting inaccurately on my personal credit profile, I have not been provided with any documentation that supports the credit reporting agency 's or the credit furnishers investigation process or any information the might have reviewed to make the decisions they have regarding this account.