davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Reference complaint XXXX which has been incorrectly closed. I posted a follow up comment but not sure it will be seen since complaint is closed. 

I have a XXXX MM account with Capital One. On XX/XX/XXXX an unauthorized withdrawal was processed via online banking in amount of {$6500.00}. I contacted Capital one on XX/XX/XXXX so that it could be resolved. On XX/XX/XXXX a deposit was made to the account for {$6500.00} and an interest credit of XXXX cents was deposited on same day. {$6500.00} * 2 % * 1 day / 365 days = XXXX cents ... .so interest for one day. When on the phone on XX/XX/XXXX I confirmed with the customer servicer rep that it was for only one day ... .but the funds were missing from my account for 4 days. I asked why it was not put back in the account effective XX/XX/XXXX when it was removed rather than XX/XX/XXXX and did not get an answer. 

What happens to the interest I should have earned on each day in XX/XX/XXXX when funds were missing from my account? I have called a number of times since XX/XX/XXXX thinking this would be resolved but it has not. on XX/XX/XXXX I received by US Mail a letter saying the XXXX interest was correct and it was properly credited to my account. It says the interest for XX/XX/XXXX - XX/XX/XXXX is  included in the interest amount credited. Clearly it is not. 

I started keeping records of phone calls on XX/XX/XXXX at which time I spoke to XXXX and asked to be escalated to a manager - and then spoke to XXXX. I asked for another escalation and spoke to XXXX - all assured me it would be properly addressed. 

On XX/XX/XXXX I spoke to XXXX and was told an email was sent to me on XX/XX/XXXX but I never received an email from Capital One. I asked to be escalated again and spoke to XXXX. I asked for them to show me the actual calculations to prove that my account was properly handled and have not received anything showing me it was correct ... only info saying it is correct. I asked for a reply in writing - which is the letter received on XX/XX/XXXX. 

So - we are back to square one. No one at Capital One thinks anything wrong has been done but they are not able to document or demonstrate anything substantive proving their case. 

Still waiting ....
Consumer complaint received 2019-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I had a XXXX  XXXX XXXX credit card on which I had a first late payment in XX/XX/XXXX. The account was closed by XXXX XXXX XXXX and referred to XXXX XXXX XXXX XXXX. While I eventually paid the full balance due, the closed account was continuously late from XX/XX/XXXX to XX/XX/XXXX. This account continues to show up on all three credit bureau reports. Because the date of first default is more than seven years  ago and the account was in collections, the entire account should by now be removed from my credit report. 

I filed a dispute with TransUnion and received notification that XXXX  XXXX XXXX had confirmed the account as accurate and is reporting it as late from XX/XX/XXXX to XX/XX/XXXX. It does not show the earlier late payments. 

I contacted XXXX XXXX XXXX 's Credit Card Department. The employee informed me that he also saw that the account should be removed from my credit report but transferred me to the Collections Department for further assistance. The Collections Department Employee told me that they do not keep records going back that far and was unable to locate my old account for further assistance.
Consumer complaint received 2019-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MD)

Company - LVNV Funding LLC Date - XX/XX/2019 Amount - {$150.00} I have made several attempts to get in touch with LVNV Funding LLC but they are unreachable. I have exhausted all my efforts to get in touch with the company. My account was paid, however, it remains on my credit reports.
Consumer complaint received 2019-02-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NY)

My SSI check is usually direct deposited on or about the XXXX  of the month ... my XXXX check was deposited early this year because of the holiday. On XX/XX/XXXX, Funds showed as available so I started paying bills. TD Bank hit me with overdraft fees, which I caught almost immediately and called them to ask why they would hold a government check direct deposit that showed as available and hit me with fees? They responded by telling me they saw that that happened, and they would refund the overdraft fees. 
This month, they reordered my charges, held cash deposits, and have charged me a total of 9 overdraft fees ( including a {$35.00} fee on a {$1.00} charge on XX/XX/XXXX ) ... online banking does not show accurate balance for days, there is no notifications of overdrawn account, and my account does not show as overdrawn online. 
Yesterday, XX/XX/XXXX19 ... I checked my balance, determined that it was overdrawn by {$130.00} ( because of 4 overdraft fees ), and deposited {$200.00} with a teller at a TD branch ... I asked if my account now showed a positive balance, I was told yes at XXXX XXXX ... my phone app also showed a positive balance. 
At XXXX XXXX on XX/XX/XXXX, I checked my balance to double check before I made a small purchase, and my balance was XXXX ... I had been hit with 5 more overdraft fees, that were not pending, and that the teller did not see 20 minutes before as pending.

I called TD Bank on the phone and was told 1. It is not their responsibility to alert me to a pending negative balance 2. It is not their responsibility to inform me that I have a negative balance 3. It was  very nice that I banked with them for 15 years, but I was not entitled to a refund because they had given me a " courtesy refund '' the month before ( when they held my direct deposit for 3 days so they could charge me overdraft fees ... which they admitted to ) I informed them that I would be moving my banking to another institution after my direct deposit cleared on XXXX XXXX. I was told " not to threaten them '' I told them this was not a threat, I could simply not afford to bank with an institution that thought robbing me of my XXXX money was acceptable, as long as they weren't caught at it, and it's not a " courtesy '' to give me back my money which you fraudulently took and admitted to taking.
Consumer complaint received 2019-02-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/2019 I contacted USAA Banking via telephone. I have been a member of USAA for over 19 years. ( Membership number XXXX ) During this telephone call I completed an Application to secure Auto Financing to purchase a XXXX XXXX XXXX XXXX The application process was very easy and I supplied all the information that was requested. Several hours later I was at the XXXX Dealership with the General Manager finalizing the transaction and called USAA Banking back to verify the Interest Rate and was told my rate would be 4.28 percent on borrowing {>= $1,000,000}. During this same call the USAA Representative was even nice enough to verify the monthly loan payments in terms of how much of a down payment I was going to make on the purchase. The following Tuesday XX/XX/2019 I recontacted USAA to find out the status of my loan and was told that I was approved but the interest rate would now be 4.74 percent. There was NO immediate explanation given until I escalated my complaint to a manger who informed me that because my credit score was ONLY XXXX the interest rate was raised. I deem this to be deceptive business practices and blatantly just fraud. USAA Has refused to speak with the USAA Representative who quoted me 4.28 percent so as to verify that I was told my loan Rate was 4.28 percent. 
XXXX XXXX XXXX
Consumer complaint received 2019-02-19
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

In XXXX Ocwen Loan Servicing contacted me to offer a Home Affordable Loan modification under the government program, They represented the loan would extend the term, lower the interest rate and reduce some principle. After receiving the loan modification there was no extension of the term. I was informed that the modified loan would prevent me from refinancing for 1-3 years, but I could apply for additional loan modifications to restore the original offer of extending the term which was the MOST important modification that I needed and asked for. 

I applied 4 times only to be denied each time. This is the first attempt for Ocwen to prevent me from refinancing. 

I was notified in XXXX that the loan was due and payable in full on XX/XX/XXXX and no partial payment would be accepted, so I started conversations with lenders to refinance the loan. Ocwen then contacted me in XXXX of XXXX notifying me that the next payment for XX/XX/XXXX was due. I paid the XXXX payment and it was cashed and posted to my account. 

Ocwen then notified me that the XX/XX/XXXX payment was due and I made that payment on time also. Ocwen then returned the XXXX payment and marked my account past due. Ocwen repeated these steps of notifying me that payments were due for XXXX, XXXX and XXXX of XXXX and then returning ALL on those on time payments that were made. I made all the payments because Ocwen sent statements asking for payments and I did not want to have any late marks on my credit. 

Ocwen proceeded to mark and report my account 60, and 90 days past to all the credit reporting agencies, XXXX, XXXX and XXXX. even though there was no 30 day past due reported. This effectively prevented me from refinancing the loan a Second Time.
Consumer complaint received 2019-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Since XX/XX/2018 I've been trying very hard to have is ( TransUnion ) credit reporting agency correct or delete all misleading, incomplete, unverifiable accounts and information from my credit file. However ( TransUnion ) has repeatedly chosen not to adhere to federal law. CPA & FCRA.

The following accounts were deemed to be reporting accurately but with no physical evidence. Per sec 609 of the ( FCRA ). No proof of what they say I owe, and balloon account balance.

1 ) XXXX XXXX {$2600.00} 2 ) XXXX {$1500.00} 3 ) XXXXXXXX XXXX XXXX {$980.00} 4 ) XXXX XXXX XXXX   {$1500.00} 5 ) XXXX XXXX XXXX {$13000.00} 6 ) XXXX XXXX XXXX XXXXXXXX {$3500.00} 7 ) XXXX XXXX XXXX XXXXXXXX {$1900.00} 8 ) XXXX XXXX XXXX {$380.00} All of the above accounts has not been accurately verified. and should be deleted or removed from my credit profile immediately.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

XXXX has XXXX XXXX as an open account with a balance of XXXX. I was told by both XXXX and XXXX XXXX that this account would be removed by today, XX/XX/19
Consumer complaint received 2019-02-20
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (VA)

Made purchase XXXX : XX/XX/2018 about {$2600.00} Their advertisement is no interest 24 months payment over {$1900.00} purchases. 
Realized in XX/XX/2018 that my promotion period is only 12 months. It is stated in the statement. 
I called XXXX first and I was told to call the bank. 
I called the XXXX XXXX XXXX, they said they can not do anything after 60 days of transaction. 
This is an " false advertisement " and " consumer fraud '', PERIOD! 
Supervisor in the bank, told me that it was my mistake that I didn't check my statement or didn't catch the error. Basically answer was XXXX forwarded them my purchase as " 12 months '' promotion. 
Why would I, as a consumer, be responsible, if they made an " ERROR '' and put me on 12 months plan instead of 24 months. When I first placed my order, I checked for 24 months of no interest financing. 
I believe this is systematic process ( or error ) and PLEASE STOP THESE COMPANIES AND BANKS TAKING ADVANTAGE OF CONSUMERS.
Consumer complaint received 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I saw on my TransUnion credit report that I had an account with XXXX XXXX XXXX but I never opened one. After submitting a dispute through TransUnion, I informed XXXX XXXX XXXX about this situation where this account is not mine and they opened an incident ticket for me. They informed me that they needed an FTC Identity Theft report which I then submitted to them. After 10 days of not hearing back from them, they emailed me saying my ticket has been resolved. But upon checking my TransUnion credit history, the balance on the account that is not mine increased and my credit score was negatively impacted.
Consumer complaint received 2018-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

This credit card company changed my address to a Kentucky address send this lady a card on my account in the name of XXXX XXXX she charged bills at a XXXX XXXX XXXX store in XXXX Kentucky $ looks like $ at least {$340.00} reported to the 3credits bureaus that I was over my limit witch I was not they are still telling me to pay it
Consumer complaint received 2019-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was about to purchase an XXXX train ticket online for XXXX travel. An offer popped up to apply for an XXXX credit card and receive multiple points for the ticket I was about to purchase. I filled out the form and received the message back, in effect, " sorry, but your application was denied ''. I proceeded to purchase the ticket with another credit card. I went out of town on XX/XX/XXXX, and have not returned home since due to medical reasons. On or about XX/XX/XXXX I logged into my Bank Of America credit card account and was astounded to see an XXXX credit card account! Of course, such an account was not opened or authorized, as the single time I filled in information to apply, the application was denied. And the account appeared with a balance, which of course was wrong since I never used a nonexistent account! I called Bank of America and spoke with a seemingly helpful rep who apologized and confirmed he would immediately zero out the account and delete it as if it were never opened, as of course it should not have been. Fast forward to yesterday, and I logged in to my Bank Of America account to confirm the error was rectified and account disappeared, only to find the account is STILL listed, with a balance. I engaged in an online " chat '' with a representative who again promised to rectify the error by zeroing out the account, permanently deleting it from any association with me. But I just checked, and it is still listed. This situation has now cost me hours of time and more importantly severe aggravation.
Consumer complaint received 2019-02-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (VA)

I logged into my account on XX/XX/19. I made one payment of {$20.00} to cover a purchase I had just made on XXXX that day. Then I made a second payment of {$25.00} to satisfy the minimum payment due on XX/XX/19. Today, XX/XX/19, I logged into my account and it shows both of those payments have posted, however it still shows a minimum payment of {$25.00} due on XX/XX/19. I contacted customer service about this because I made two payments totaling {$45.00}, more than the minimum due. They refused to remove that minimum due, even though I already made my payment and it was more than the minimum due. They claim it was because I paid it too early. At the time I made those payments, it was already showing the {$25.00} due on XX/XX/19. How can I pay it too early? I saw the minimum due and made a payment. I feel like I am being penalized for paying my bill. So now, even though I've already paid {$45.00} towards my bill, they expect me to pay an additional {$25.00}. My minimum due is supposed to only be {$25.00}, but now they are making me pay {$70.00} total.
Consumer complaint received 2019-02-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one debt collector called me multiple times XXXX XXXX2019 on the same morning at XXXX XXXX. I have a voicemail from them that I saved. I tried calling the number back and it does not accept incoming calls. I answered it the third time they called again at XXXX XXXX and they hung up on me. 

This is unacceptable! XXXX XXXX for a missed payment. 

Thanks!
Consumer complaint received 2019-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

WE ARE GOING TO START A INVESTIGATION ON OUR TOXIC MORTGAGE WE HAVE WITH SELECT PORTFOLIO SERVICING INC.

UNDER OUR HOMEOWNER BILL OF RIGHTS YOU NEED TO INVESTIGATE THESE VIOLATIONS ON OUR MORTGAGE.

WHEN YOU COMPLETE YOUR INVESTIGATION ON OUR REQUEST MAIL YOUR COMPLETED INVESTIGATION VIA UNITED STATES POSTAL SERVICE TO OUR HOME ADDRESS XXXX XXXX XXXX XXXX XXXX CA XXXX 1. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( A ) 2. VIOLATION OF CALIFORNIA CIVIL CODE 2923.55 3. VIOLATION OF CALIFORNIA CIVIL CODE 2923.7 4.VIOLATION OF CALIFORNIA CIVIL CODE 2924.9 5. VIOLATION OF CALIFORNIA CIVIL CODE 2924.10.

6. VIOLATION OF CALIFORNIA CIVIL CODE 2923.17 7. VIOLATION OF CALIFORNIA CIVIL CODE 2924.18 8. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( C ) 9. BREACH OF IMPLIED COVENANT OF GOOD FAITH AND FAIR DEALING 10. VIOLATION OF THE UNFAIR COMPETITION ACT CALIFORNIA BUSINESS & PROFESSIONS CODE 17200, ET SEO 11. NEGLIGENCE XXXX XXXX XXXX XXXX XXXX XXXX   XXXX CA XXXX XXXX *XX/XX/2019 XXXX XXXX * ACCOUNT XXXX
Consumer complaint received 2019-02-19
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: Security Credit Services, LLC (FL)

I have sent letters to all the companies to remove hard inquiries. The refused to remove them. I have also sent in an investigation application to the credit bureaus and have no word about it. Their has been identy theft with my email address
Consumer complaint received 2019-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Applied for Bank of America credit card and was denied for reasons not described in conditions on their application. I was denied because I didnt bank at Bank of America. The application did not state that I had to have an open checking or savings account at Bank of America to be approved for the credit card. The denial lowered my credit score along with the hard inquiry for the card they were not going to approve even with my excellent credit score.
Consumer complaint received 2019-02-21
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. (UT)

I am filing this complaint because credit bureaus did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : UTAH XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), XXXX XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX   XXXX ( Original Creditor : UTAH XXXX XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX  XXXX XXXX XXXX ), XXXX XXXX XXXX,
Consumer complaint received 2019-02-19
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. (VA)

On XX/XX/2018, my application for discharge of my federal student loan was approved on the basis of my total and XXXX  XXXX, and canceled my obligation to repay the remaining balance. Please see attached letter. The letter states that a total of {$300000.00} was discharged. 

Following my receipt of this letter XXXX XXXX and Equifax reported that the loan was closed and reflected a XXXX balance. This raised my credit score to over 800 and " Exceptional. '' XXXX   continued to reflect the balance was over {$330000.00}. I filled two disputes with XXXX. Both times the results came back with a higher balance and lowered my credit score by more than 30 points. When I called XXXX  they said I needed to deal with the lender ( XXXX XXXX ) directly. When I called XXXX, they said, " The process takes a very long time, but the loans have been discharged. '' Now All three credit bureaus reflect the XXXX account is open, with a balance of {$330000.00}, which is higher than what my XXXX balance relfects on XXXX 's website - {$330000.00}, which has not changed since XX/XX/2018, and is in fact incorrect. 

My question and complaint is, how and why did the account show closed and a XXXX balance with XXXX XXXX and Equifax and never with XXXX? 
Why now, do all three agencies report a balance of {$330000.00}, causing my credit scores to drop considerably, when in fact the loan has been discharged since XX/XX/XXXX and a balance of XXXX should be reflected on all three credit reports?
Consumer complaint received 2019-07-13
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: JPMORGAN CHASE & CO. (VA)

Chase Auto received payments from my insurer XXXX and GAP for balance on Total Vehicle Loss. I made monthly payments until the claim was resolved. Sometime after final payment. Chase demanded an additional {$59.00} to cover payoff. This amount was reported to the credit bureaus resulting in a dramatic scoring drop. This has effected my ability to get my home refinanced.