davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-04
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On or about XX/XX/2020 I opened a capital one performance savings account. At the time of opening the account capital one had a promotion where if I opened the account and deposited new money then I would receive a bonus ( I think it was {$150.00} for ever $ XXXX ). The promotion was not automatically applied to my account. I then called a capital one rep and the rep advised me that : I do qualify for the promotion and that I should continue to deposit my money in the account. I was told that I should call capital one at the end of XX/XX/2020 so that another rep can manually apply the promotion funds to my account. I deposited over XXXX in new money into the account per the promotion terms. I then I called capital one on XX/XX/2020 and spoke to XXXX ( employee ID XXXX ). XXXX  told me that She sees the notes from the prior rep and said that the prior rep was wrong and I do not qualify for the promotion. I told her I fulfilled all terms and  she said I did not. I then asked her to provide me with an email or written doc as to what the terms are. She said she could not provide me with any additional information. She said that I should have gotten an email about the terms at the time of opening the account but I told her I did not and explained to her that the promotion code was not applied initially which is why the email did not go through so I dont know what she is talking about or referring to. I then asked her to read me the notes that the initial rep had placed in my account to confirm that I qualify and she said that she would not read it to me nor provide me with the promotion code that is annotated on my account and that was supposed to apply to my account. It is ridiculous that the bank is withholding information about my own account and now the bank is trying to avoid paying the promotion fee when I complied and made my desposits as required by the promotion and the initial rep. Attached is a pic of the new money deposit I made at the time the account was opened.
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

The company by the name of XXXX XXXX XXXX reporting that in 120 days late, which Im not, my account was transfused to a next company so I dont understand why they reporting. This negative items on my report
Consumer complaint received 2017-02-08
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: FIRST NATIONAL BANK OF OMAHA (NY)

I closed my credit card ( American Express ) account with XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2017. The bank has still not sent me my credit balance amounting to XXXX {$550.00}
Consumer complaint received 2016-11-11
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TX)

Name : XXXX Loan Company : Navient over the last XXXX years I have been making my payments on time. I got laid off XXXX weeks ago, the company ( navient ) claims that they can not provide me with any relief even though I 'm unemployed. Then I asked them to lower my payment and put me in some sort of program, to do that they say they must speak to my cosigners, these people are elderly, my XXXX is dealing with my XXXX XXXX, my XXXX is dealing with a theft and robbery, my XXXX is on a fix income older lady. They are asking to speak to them during these difficult times. I understand business, but they could lower my monthly payment I 'm just asking for a very small period of time or some sort help. They have nothing left to say except they must speak to my cosigners I told them I could get the information and they dont want that. I asked them not to put me in a program just to lower my payment by {$100.00} I told them I felt confident that I would find a job soon and should have the funds to make the payment and they do not want to help. I spoke to a XXXX and instead of giving me any help he reiterated the initial statement and told me it was unfair to his company that I felt like they were not giving me help. He was condescending and disrespectful to me. They have all the cards, they dont have to do anything to help me because they know if I dont make my payment they will just put me in default. I'am left with taking money from my food, electric, and phone bill to make their payments because I do not want to go into default. I understand business again my issue is that I have been responsible in making my payments I havent made a late payment in that time period. I just want to add my name to this list because I want people to know before they get in a loan with Navient that they will give you a loan but if you ever find yourself in a difficult position they will not help you in any way to make your payment. The only help they have is " make your payment of go into default ''. People need to know these companies have no XXXX for the people they are supposed to be providing a service to, they want their money and there is no wiggle room. Please research this company before you decide to take a loan out.
Consumer complaint received 2019-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MA)

I completed a mortgage with Loan Care Services LLC on XX/XX/2009. I recently needed proof of the paid off mortgage and Loan Care has no record of me, my loan number, or my SSN so I can not get the needed paperwork to complete a transaction worth $ XXXX to me. The original mortgage was for a co-op in XXXX, MA and I should have received a note of completed payment as well as my original stock certificate which Loan Care had. No one at Loan Care will help or give me any guidance on getting my information. My credit report shows the mortgage account paid off and closed by Loan Care but without the appropriate documents I can not receive the remainder of my funds from the sale of the co-op. Please help me. I have tried to hire a lawyer, with no luck.
Consumer complaint received 2016-12-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MA)

I am on a XXXX with automatic withdrawal set up by Navient. First Payment was made XX/XX/2016 ) An automatic withdrawal was made of XXXX. The balance at the time before payment was made : XXXX which means I have over paid by {$300.00} XXXX attachment of time stamp XXXX ) My account reflects a balance owed of XXXX cents- see attachment of time stamp XXXX ) Allocation of funds are incorrect and not adding up- see attachment for details A concerns and situation I have expressed and experienced BEFORE in previous complaint w/ Navient. 
XXXX ) I do not want to be falsely reported to credit bureau AGAIN like in previous complaint XXXX ) I have over paid how is this affecting my account and debt? 
XXXX ) Allocation of funds needs to be CORRECTED IMMEDIATELY since I am on an auto payment set up by A NAVIENT RATE REDUCTION REPRESENTATIVE. 
With all these running issues I have contacted Massachusetts Attorney General XXXX office and State Senator XXXX office to help communicate on my behalf to elevate these problems and NO RESPONSE from Navient or resolution has come from it. 
The CONSISTENT PROBLEMS & SITUATIONS Navient has been putting me through are EXTREMELY OVERWHELMING, BEYOND STRESSFUL and UNFAIR! 
Their lack of communication, responsiveness and accountability with these situations/issues are XXXX. 
A payment of XXXX is scheduled to be withdrawn on XX/XX/2016.
Consumer complaint received 2016-01-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion reinserted XXXX accounts that was not verified nor validated. I contacted XXXX and XXXX Both these accounts where removed : XXXX was removed XXXX, XXXX, XXXX and XXXX I assume bought the XXXX account and TransUnion put that account back on my credit when they took it of on XXXX XXXX, XXXX. I checked my credit and both are back on my credit as of XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX both accounts were put back on my credit. These accounts were not verified nor validated. Transunion did not verify there method of verification meaning who they actually spoke to or the documentation they have to support there verification. E-Oscar is not valid verification. I asked for validation from both collection agencies and got no response with in the 30 days allotted nor after the 30 days. This information need to be deleted asap.
Consumer complaint received 2017-02-02
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have a Bank of America checking account that offers online Bill Paying. I also have a Bank of America " Platinum Plus for Business '' MasterCard under my name. When I go to Bill Pay to pay this MasterCard, their have programmed their computer to pay my B.O.A. MasterCard bill FIVE DAYS LATER. I believe that this is intended to extract unscrupulous late fees and interest from cardholders that pay less than five days before the MasterCard bill due date. Proof : many other payees get credited in XXXX or two days. It can not take longer for Bank of Amarica to " pay Bank of America MasterCard '' than it does for them to pay outside payees.
Consumer complaint received 2015-05-11
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

Experian is reporting negative, inaccurate and unauthorized inquires on my credit report and have refused to correct and remove them. I written Experian letters and spoke with them by phone informing them of my concerns. I told them that the inquires reported on my credit profile seems to have come from their pre-approved credit offers mailing lists. I requested that these inquires be removed from my credit report and to remove my name from their mailing list. I told them that I did not give my authorization to any of the companies they are listing below : XXXX XXXX ID No. : XXXX XXXX XXXX, XXXX Credit/Kearny XXXX, ID XXXX. : XXXX, XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX ; ID XXXX. : XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX Bank ; ID XXXX. : XXXX ; XXXX XXXX, XXXX ; ID XXXX. : XXXX ; XXXX XXXX, XXXX INC ; ID XXXX. : XXXX ; XXXX XXXX, XXXX XXXX ; ID XXXX. : XXXX ; XXXX XXXX, XXXX, XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX XXXX ; ID No. : XXXX ; XXXX XXXX, XXXX XXXX, Apr XXXX, XXXX XXXX ; ID XXXX. : XXXX, XXXX XXXX, XXXX XXXX of XXXX XXXX ; ID XXXX. : XXXX ; XXXX XXXX, XXXX XXXX, ID XXXX. : XXXX, XXXX XXXX, XXXX XXXX XXXX, ID XXXX. : XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX XXXX ; ID No. : XXXX ; XXXX XXXX, XXXX ; XXXX XXXX XXXX ; ID XXXX. : XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX & XXXX XXXX XXXX ID XXXX. : XXXX ; XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX ; ID No. : XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX bank NA ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX explain to Experian that I did apply for a car loan in XXXX, XXXX with XXXX XXXX XXXX XXXX, which is not being reported by Experian, but none of the above mention companies had my permission to run my credit.
Consumer complaint received 2016-10-13
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (VA)

The company continues to take advantage of me. They know that I can not afford an attorney to fight this issue. I did not have access to my account information online and I was not getting paper statements until XX/XX/XXXX. I requested information to help me understand where things went wrong. After they sued me and I went to court, they have been penalizing me for this. Once I found out that the breakdown was that my payments were not being applied properly, all of a sudden they justify it by saying that it was because they were paying for home insurance on my behalf. I have been carrying my own home insurance because they told me that I did not qualify for them to cover it. I have had my car & home insurance with XXXX XXXX up until XX/XX/XXXX and then I had it with XXXX XXXX to this day. I never consented for them to open an insurance policy for me. Why would I carry XXXX insurances? They never discussed this with me. I never gave them consent to do this. I just learned about this insurance when I received a letter dated XX/XX/XXXX from XXXX saying that insurance is to renew on XX/XX/XXXX. Please help me get this resolved and have my account adjusted appropriately.
Consumer complaint received 2016-09-20
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: MOUNTAIN WEST FINANCIAL, INC. (CA)

Rec 'd a notice on my door that had my mortgage name on it. It said to call number. I called number and got Mt West Financial. My mortgage company is XXXX so I hung up and called XXXX. XXXX said my account was in good standing and said that Mountain West Financial is an affiliated company with them. So, I called XXXX, the number on the card and proceeded to try to confirm information. They kept asking for more. I did give them the last XXXX of my son 's ss # ( I am an authorized caller on account ) and now I am worried that this is not a real company but a scam. I told them that I would not give anymore information and that if they needed information they should write a formal letter. 
I am afraid I gave them too much as it is. I called XXXX again to confirm that Mt West is affiliated and this time the CSR said " No ''. I would like to request that the information that Mt West Financial ( at XXXX ) obtained from us be expunged from their records due to the fact that I believe that information was extracted under false pretenses.
Consumer complaint received 2015-05-01
Product: Credit card — 
Issue: Other fee — 
Company: U.S. BANCORP (CA)

I applied for XXXX XXXX visa card issued by US Bank 2 months ago. The reason that I like this card is it provides " bonus award night exclusively for card members ''. 
After opening of my account, I paid {$75.00} annual fee. And in the card member benefit document it says '' enjoy all these benefits after paying {$75.00} annual fee ''. But just after a few days, US Bank emailed that they cancelled that " bonus award night '' benefit! 
US Bank charges the same amount money for less card member benefit, that is how they make profits! 
They mislead customers to waste XXXX hard pull and apply for this credit card, and suddenly cancel card member benefit to make this credit card useless and I would have not applied for it if I knew it at the beginning!
Consumer complaint received 2015-12-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Carter-Young, Inc. (SC)

It 's been an ongoing issue with Carter-Young, the employees are very rude, unprofessional, and dishonest. The owner XXXX XXXX, has refused to send me requested documentations to settle an XXXX XXXX XXXX debt. I 've requested to have this debt removed off of my credit report, because the owner refused to send me a letter stating that he would have it removed off of my credit after paying. I 've disputed this debt and they are not removing it. This debt is now XXXX XXXX XXXX and past the date to have it removed off of my credit and they are still refusing to have it removed, which is breaking collection codes, and it 's causing me stress, and hurting my credit score. I am in the process of hiring an attorney to handle this if I ca n't get it resolved.
Consumer complaint received 2016-04-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Penn Credit Corporation (IL)

I have a collection reported to my credit file by Penn Credit Corporation. This debt went to collection, however, I had an agreement with the collection agency that they would delete the collection from my account. I paid the collection, however, the collection still appears on my credit file.
Consumer complaint received 2016-05-28
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (MN)

My husband and I took a XXXX mortgage loan with US Bank back in 2006. This loan was for {$25000.00}. We have made monthly payments since then of {$250.00} per month. We have not missed one single payment. We have paid 120 payments since then, never late. The total amount we have paid so far is {$30000.00}. Our principal balance on the loan has only decreased {$1600.00}. That means US Bank has pocketed {$28000.00} and we still owe them an additional {$23000.00} plus interest. The interest rate of this loan has always been 11.7 percent and they tell me they are unable to offer me any lower interest on this loan. Also, this loan was set up as a balloon loan where I will need to come up with the balloon payment soon. 
I have attempted in several occasions to work this out with US Bank with no resolution from them. As a result I filed a complaint with the Minnesota Attorney general 's Office. They have suggested me to file a complaint with you and the OCC. Any assistance you can lend would be greatly appreciated.
Consumer complaint received 2016-02-10
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Glasser and Glasser, PLC (VA)

Glasser and Glasser Inc a debt collector garnished my Social Security XXXX Income directly from my XXXX checking account. I had informed Glasser and Glasser that I was no longer employed due to my health right after it occurred in 2014. They sued me and took me to court on XXXX occasions, even though I never signed the subpoena or was home to receive it. On good faith, I went to both hearings to explain that I was ill and now on XXXX. Glasser and Glasser worked with my bank, XXXX, which per XXXX is " their credit department '' to garnish my checking for {$4300.00} and the same amount in my savings, duplicating the charge. When I contacted Glasser and Glasser to resolve this, they required me to provide proof of my XXXX, which I did within 10 minutes. They did call me back immediately after I sent the information and acknowledged quickly they could not garnish XXXX wages and would " review my account and tell the bank to release the hold ''. I kept pushing to understand if they were refunding me the garnishment and I was provided a legal answer which skirted the real answer. I was told " they would review it ''. Also, disheartening is they new bank account information regarding the charges, way more than the actual XXXX representatives did. How can a debt creditor have knowledge of my bank transactions ( yet also claim to be unaware I was receiving XXXX when it is direct deposited into my account every month )? I even told Glasser and Glasser over a year ago that I was on XXXX and very ill. I was told on the phone today when calling about my garnishment that when they received my proof of XXXX income that " the process of them reviewing the charge and going back to court will take time '', but could n't tell me how long. That {$4500.00} was going to medical treatment I desperately need now. Either way, Glasser and Glasser was negligent and their actions were illegal as they garnished XXXX wages. They also never gave me any chance to offer a good faith payment ( which I had done my best to work with them and stay in contact before I became very ill ) or notification of the garnishment, which ironically I was working to do. All the creditors that I worked with negotiated a settlement. Glasser and Glasser would not and now has decided to go the illegal route.
Consumer complaint received 2016-04-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (CA)

I have a collection which was a moving out balance from XXXX XXXX XXXX XXXX in XXXX XXXX. But after I checked with the apartment, they found some mistake and cleared that balance. I do n't know why I still have this record with National Credit Systems. I called them many times and provided them the proof of the cleared balance but they still did n't get my record cleared!
Consumer complaint received 2015-04-02
Product: Credit card — 
Issue: Credit determination — 
Company: U.S. BANCORP (CA)

Hello Dear CFPB I want to share my experience and complaint regarding very unfair and bias way i was treated by US BANK and there employees a specially XXXX XXXX in Fraud Department. On XXXX XXXX XX/XX/2015 I received offer from US bank to apply Cash plus Visa Signature card. After a lit bit thoughts i decided to apply as i did not have any relationship with US BANK and wanted to start because the card had a lot of reward and other perks. After applying my application went directly to FRAUD department which was really very weird and i surprised for me. making long story short i contacted Us bank and was Welcomed by VERY RUDE Disrespectful person name XXXX XXXX who was from beginning start accusing me that i will take this card spend and never pay them back even though i have VERY exceptional credit and I 'm very responsible borrower having just used 2 percent of my total available credit NEVER been Late and doing all my best to Never have any delinquent or negative mark in my credit. XXXX XXXX start making assumptions that im high risk that i have available credit and and because i do n't have balance XXXX day i might take all credit available to me spend and never pay back. I have great job great credit and i was treated very very biased and i do n't afraid use word maybe even discriminated. I ask him politely to speak to supervisor and he did n't wanted to transfer by saying on behalf of supervisor that supposedly he would tell me same thing but after me pressing him he finally transfered me where i left message and never got all back. Couple days later i received this letter the reasons of my application denial which is completely false all reasons. i attached to see all of them and also im happy to send my updated credit bureau with XXXX XXXX which shos i have VERY EXCEPTIONAL CREDIT the same credit which they rated XXXX score XXXX they denied me credit based on all false injustice reasons. Im giving my consent to please investigate and know the TRUE on my behalf dear Consumer Financial Protection Bureau. All this process was VERY UNFAIR BIASED AND IM SURE I WILL CLEAR MY NAME BECAUSE MY CREDIT CARD APPLICATION WAS NOT SUPPOSE TO BE IN FRAUD DEPARTMENT IN FIRST PLACE. Please assist me to find justice and to credit equal access to credit based not on any type of XXXX religion or national origination but based on facts and the facts are i have as i stated very exceptional credit great job and income and still my application goes to fraud department for no resaon. thank you very much
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.