davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TN)

On  X/XX/2017    I filed a complaint with the CFPB regarding my interaction with Quicken loans. While receiving info on loans, rates and terms I started to question my loan assistant, when his supervisor interrupted our conversation. He proceeded to quote me a new rate of 3.75 %. He then proceeded to ask me my credit card # so he could get the process started. I responded by telling him I would not submit my card # until I received something in writing. He was aggressive in his response to this. I further inquired if there were points involved with this new rate. He said there were 3 pts for a total of {$3400.00}. I asked when he was going to mention this fact, after he had my credit card #. But for me asking I would not know that the points had been omitted. When I questioned this aggressive sales tactic the supervisor became even more belligerent. I think this is a fraudulent practice and should not only stop, but should be penalized. I submitted a complaint with CFPB and had their response read to me by an assistant. Quicken Loans response was very accurate as to the facts and sequence of events except they failed to mention, and in my view purposely omitted the fact that they requested my credit card # before they disclosed that the quote they gave me included points. The response by  Quicken  Loans is in fact a second occurrence of omitting facts to favor their narrative. I agreed to and our conversation was recorded, you can listen to our conversation and see this fact plainly. This non disclosure of points and omitting them in their response is at the heart of my complaint.
Consumer complaint received 2017-06-02
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Personal information incorrect
Company: Nelnet, Inc. (WA)

There are two complaints I have to file that are interrelated to each other. The first is that Nelnet, my student loan company, changed the address and phone numbers on my account without my knowledge or consent. I would like to know exactly why and how this could have occurred. Second, this change in my contact information had a direct negative impact on my FICO credit score. From what Nelnet has told me they did not receive proof of income from me when they requested it XX/XX/XXXX. I did get the notice and sent it. In XX/XX/XXXX I received a letter/statement from Nelnet dated XX/XX/XXXX current balance {$35000.00} current amount due {$0.00}, Leading me to believe my account was in good standings. During this time I had moved from XXXX, XXXX to XXXX XXXX, XXXX. One day I had happened to be checking my junk email and came across an email from Nelnet stating that stating to reply yes to keep my forberance this was in XX/XX/XXXX, which i did. I qualify for the program because I receive XXXX XXXX XXXX. I called a few weeks later and followed up to check to see if my account was in good standings after i replied to the email because I was going to begin the process of buying a home. I called Nelnet and the representative said yes your account is in good standings and I do not owe anything at this time. The representative and I went on to update my address and phone number when she was asking me about an address somewhere in XXXX XXXX and phone numbers that once belonged to my former mother in law and ex husband. I was a bit baffled by this but continued to update my information. As i was saying I was looking into buying a house. My financial institution that I was going to get my loan from, whom I got my car loan from ran my credit report and said that Nelnet had reported me over 180 days late on my student loan payment which I still dont understand how this could be. I last checked and my foreberance was good for a year. as well as if there was an issue of them not receiving needed documentation they could have contacted me. yes my address and phone numbers changed to XXXX from XXXX. If Nelnet was trying to reach me why did they not actually look for ME? I am easy to find with the resources they have. Had they automatically updated my adress to where I was at not former relations of mine then I would never have gone over 180 days late on any payment.
Consumer complaint received 2017-06-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America representatives have put my home into foreclosure. I was told that I had the option to do a deed in lieu of foreclosure but never received the paperwork. I 've put my home up for sale and have received a contract from a buyer at a price that is higher than what I owe on my mortgage balance. Bank of America representatives have not responded.
Consumer complaint received 2017-06-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a automatic monthly transfer from my saving account to my checking account. On X/XX/2017 sufficient funds were not available on my checking account for this automatic in house transfer. Instead of canceling or delaying this transfer, the bank processed an overdraft protection transfer, from my saving to my checking account. Then it processed the automatic monthly transfer, sending the money back to my savings account, and then charged {$12.00} for the overdraft protection transfer. So monies went from my savings to my checking, then checking back to my savings, but {$12.00} was not, the bank kept that'l.
<P/>
I understand the transfers " worked as they were supposed to '' but this is an unfair practice and only hurts the consumer, to gain revenue. The bank needs to relook at this practice so that it helps the consumer, not the Bank.
<P/>
I am requesting the {$12.00} overdraft protection fee be reimbursed.
Consumer complaint received 2017-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

hi i have tryed to contact transunion about the the error on my report on the inquiries that are on the report due to them having a system error there are XXXX XXXX that are on the report in error Credit Inquiries 1. XXXX XXXX XXXX dated XXXX-2017 2 .XXXX XXXX dated XXXX-2017 3. XXXX dated XXXX-2017 4. XXXX dated XXXX-2017 5. XXXX XXXX the inquires listed are in error and or not authorized i have call all the creditor, s that made the inquires but none will work with me to take off the information transunion is telling consumers to call and or write letters to the creditors to have them remove the inquires and i talked with the creditors in this case and sent them letters and they will not cooperate the creditors do not keep the records on the inquires on file they said so i asked the transunion to remove the inquries and or do a investigation and they refused to cooperate with me as well so i am asking please to have this issue fixed and have them removed by transunion do to there error on the transunion system and fix them on my report because the creditor, s will not cooperate as well as transunion thank you
Consumer complaint received 2017-06-05
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. (NJ)

I have explained numerous times that this BK reporting on only Experian for the last  XXXX  plus years is incorrect. I states I filed a BK for {$0.00}. I asked Experian how are they getting their info. They said they use a  3rd p arty source because BK Courts do not give this information out because of consumer privacy laws.     I want this BK removed from my Experian Credit Report because it is inaccurate and not to mention have harmed me from getting financing. Why is it that ONLY Experian is reporting this over the last 6 years. I am tired of talking with Customer Service overseas.      BK S tatus : Dismissed Date Filed/Reported :  XXXX /2011 this shows on my credit report Reference number :  XXXX  Closing Date :  XXXX / XXXX / 2011  Asset Amount : {$0.00} Court : US BKPT CT TN  XXXX
Consumer complaint received 2017-06-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX ,  XXXX ,  XXXX , 60 days  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-06-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (MI)

Good afternoon, I logged onto my PNC Bank account on  X/X/2017    and realized that I was going to be overdrawn. I deposited enough money, plus extra, to cover the items that were causing my account to be overdrawn that were charged to my account well within the deposit cut-off time for that business day. This morning,   XXXX  , I noticed I had  4  overdraft fees. Upon calling the bank I learned that even though I had made the deposit on  X/X/2017   , they only make {$100.00} of that deposit available to me to use, they hold the rest for  1 bu siness day  ( no matter how big the deposit is ),  in this case the total deposit was for {$330.00}. I had not known that, the last time I spoke to a representative, they told me I just had to have my deposit in by  XXXX  that same day in order to avoid fees.  <P/> So even with that being the case of {$100.00} being available to me I only should have been charged for  2  overdraft fees. When I received my overdraft detail statement it shows that they deducted in order of time payments came into their system for my debit card purchases ( not smallest to largest ) and then for my remaining  4  auto-deduct items that all came from the same vendor at the exact same time they took largest to smallest causing me to get overdraft fees for all  4 ite ms  (  including a {$23.00} item and a {$36.00} item ) instead of just the  2 l argest fees.  <P/> This is a horrible business practice. I am the sole supporter for a family of  XXXX  working on a VERY tight budget. It is not right that I had made the deposit in time to cover negative items, but due to their hold policy and them posting by time and then largest to smallest I was charged {$140.00} in overdraft fees. They did not make this known to me at the time I opened my account. I feel as if these business practices are solely in place to cause consumers to incur more overdraft fees. Additionally, I learned that it is their practice to use pending debits to decide overdraft as well, not just posted items. So, if they can use pending debits to decide overdraft, why can they not use pending deposits? My account statement online shows that once every single transaction posted on  X/X/2017    I was positive, not overdrawn, but because they did not technically really " post '' my full deposit I was overdrawn in their " behind-the-scenes '' system.
Consumer complaint received 2019-02-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

I disputed Portfolio Recovery Associates, LLC account on all 3 of my credit reports in XX/XX/XXXX. I received a letter dated XX/XX/XXXX, which did not validate the alleged debt. ( Letter enclosed ) I sent another request for validation by certified mail on XX/XX/XXXX. Prior to XX/XX/XXXX, I did not receive a dunning letter as required by law. I was not given notice before/after of negative information being reported to all 3 credit bureaus.
Consumer complaint received 2017-06-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I have a savings account with HSBC. I was credited for onl y 1  transaction for a fraud complaint that had more than one transaction. I stated to  HSBC  VERY CLEARLY that fraud occured on my account and I was transferred to the " ACH '' department because the rep insisted I do so because it was an ACH transaction. First, HSBC tries to tell me I didnt file within the 60 day time frame. FALSE. I filed this fraud complaint within the first week I saw the fraud. Secondly, I spoke to  XXXX   XXXX ,  manager  of the ACH department who tells me I need to goto the fraud department.  <P/> A little background on my conversation with  XXXX . First point of contact on     XXXX   XXXX   XXXX      . She proceeded to tell me that  HSBC  was in the wrong and that I would have my credit adjusted that day and she would call me back. No call back. I call on     XXXX   XXXX   XXXX        ( today )  and  XXXX  gives an excuse why she did n't call me after she told me should would no matter what yesterday. Now she tells me i need fraud department? Really? She stated because I said it was fraud from the get go. Then she tells me no, this is the UNAUTHORIZED department. what? unauthorized department? yes
Consumer complaint received 2017-11-19
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. (NJ)

Collection account listed as XXXX XXXX in the amount of {$3500.00} is appearing on my most recent Transunion credit report. In fact this account was previously reported by the same collection company using the abbreviation XXXX, this was disputed directly through the XXXX XXXX website and was deleted by TransUnion on or about X/X/2017, per XXXX XXXX.
Consumer complaint received 2017-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (AZ)

XXXX : CITI PREMIER CARD ending in XXXX The benefits promoted before enrollment sound great. Honoring a claim, not so much. The trip cancellation benefit is promoted as giving refund if one can not take the trip due to sickness. What is not made clkeare is that, effectively, there is NO coverage in most cases. To wit : My reply from XXXX XXXX of XXXX XXXX says " any incident/event that occurred prior to the trip being booked are not covered ''. That makes NO COVERAGE the likely result of a claim. 

I feel that this is a SCAM. I would never have taken the card for this purpose has I known there was such a NARROW definition of coverage. I tried to read the " small print '' and did not pick up on this language. 

I submit that the promotion and method of dealing with claims results in false advertising, misleading advertising and scam. I would expect no less from CITI BANK but was not aware of this problem at the time. I believe that XXXX and XXXX XXXX are willfully bilking the public and request whatever powers you may have to stop this SCAM and reimburse me as advertised
Consumer complaint received 2017-07-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (IL)

Have been getting charged outrageous apr fees ( 691.98 % ) which are illegal in the the state of Illinois. A {$700.00} loan costed me {$1900.00} so far. I read online that there are numerous complaints about this company. Also after reading the contract the box to make automatic debits from my account is not checked, so they have been making illegal debits from my account.
Consumer complaint received 2017-07-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

By law if you apply for a loan after 30 days of not using the funds the loan would be return.
I opened my first loan with XXXX XXXX which I attended for a short period which I believe the school applied for more than needed and pocketed what was extra. XXXX XXXX as well should of return to XXXX XXXX XXXX XXXX XXXX  apply for loans that I did n't need. I tried battling to get my money back and later the school closed.
No I have a lot of loans showing closed paid and they are reporting as duplicate and it 's really hurting my credit.
If the loan we transfers old information should be removed reporting what is current.
Consumer complaint received 2019-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (PA)

Ok so this morning i was set to receive two deposits one is from my job and the other is my tax refund. I call the customer service line to the line just to ringing with no answer or to be disconnected. I have bills due on every pay that i can not pay and incur late fees due to my funds not Being available like they are supposed to be. Its starting become a major headache wit navy Federal. They arent giving their members a head up or nothing out the outage. And keep replying with a scripted reply. These incidents are happening quite to often and Im sick of it now
Consumer complaint received 2017-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CT)

Dear CFPB Office of the Ombudsman : My student loan servicer XXXX who services federal student loans to the credit agencies EXPERIAN, XXXX XXXX, XXXX may have violated the Fair Credit Reporting Act and other credit reporting laws. 

There is reason to believe that the loans serviced by XXXX where not properly serviced or reported based on the following occurrences. 

Reported Timeline ( historical ) data removed No data credit reporting Reported balances after consolidationXX/XX/XXXX Incorrect address reported ( XX/XX/XXXX) I understand that any inaccuracy including material inaccuracies may be grounds for injury-in-fact and other harm. The data furnisher XXXX and the credit bureaus EXPERIAN, XXXX XXXX and XXXX  blame the data furnisher for the reporting inaccuracies and or credit redactions. 

I am requesting an audit of the reporting history of fifteen federal student loan accounts held by XXXX, and the three credit bureaus update their records according to the complete account history ; ( XXXX ), that includes all historical data, date opened, and historical timeline, and the loans are paid and consolidated. 

The loans have been consolidated XX/XX/XXXX to a different servicer. 

Customer service representatives at XXXX said to me that disputing information to the credit bureau will cause credit score decreases because they will respond that the information was frivolous and accurate. This also indicated to me problems with the servicers dispute and resolution process and what procedures they use in cases of disputed accuracy and my rights under Federal law including the Fair Credit Reporting Act. 

I am asking the Ombudsman to investigate credit reporting activities by the servicer XXXX and audit of the credit reporting history from XXXX. I have scanned copies of the credit report from EXPERIAN to show the reported timeline. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: U.S. BANCORP (IN)

On XX/XX/XXXX I received an email alert from US Bank to notify me that the USPS had initiated an address change with their company. The alert contained the following message. " If you did not initiate the action noted above or need assistance related to this Security Alert, call XXXX. US BANKS ( XXXX ). '' Since I did not initiate this action, I called US Bank at the number provided. No account numbers were included in the email. I have multiple accounts with US Bank. The CS person at US Bank gave me the ridiculous excuse that they had written a new program within the bank, and that every account holder with their bank had received the same notice. Another person said that my accounts had been compromised and sent me new credit card numbers and cards for my accounts. Another person said that the USPS is always changing the last four digits of my Zip Code, and this is probably what happened. I asked the US Bank CS person what that change was, and he said he could not give me that information. He said the bank does not always know what the address change is, but it is changed. According to the Postmaster, XXXX, at XXXX USPS ( the branch office handling my mail ), XX/XX/XXXXSince I can view all alerts issued for my accounts, I checked the alert history. An address change alert had NOT t been issued for my account. On XX/XX/XXXX I received an informed delivery email from USPS indicating that I could expect to receive a piece of first class mail from US Bank. That mail again was a notice that the USPS had notified US BANK that there was a change in my address.The first class postcard contained this message. " If you did not initiate a change with the USPS, please contact us immediately at XXXX ( XXXX ) for consumer accounts ... '' I have not moved, nor have I initiated a change of address notification with USPS. I have previously in XX/XX/XXXX been a victim of identity theft. It is very distressing to be repeatedly notified by MY BANK that USPS is changing my address, when USPS denies that they have done so. There is a piece of mail today XXXX/XXXX/XXXX that I should have received from USPS that is from US BANK. Unfortunately my mail carrier gave that mail to another resident of XXXX, IN, and I do not know who now has further information about my accounts.
Consumer complaint received 2017-07-05
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: SLM CORPORATION (VA)

I received a loan from SallieMae of {$27000.00} in XX/XX/XXXX, and I reapplied for another loan in XX/XX/XXXX and was denied, because of a bankruptcy that is over 7years old, I also had the bankruptcy when I received the first loan. My credit is very good, but SallieMae continue to deny me for the same reason. Now I 'm wondering how my daughter is going to finish school, without this loan.I just feel it 's so unfair to be denied, when you gave it to me the first time.how did you can assist me in this matter thank you sincerely the  XXXX family
Consumer complaint received 2017-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

On XXXX XXXX, 2017, Equifax security data leaked and hided the incident for two months. Equifax leaked my personal information I provided. I just confirmed this leakage on Equifax website. 
7 bank accounts were found and opened by identity thief ( or thieves ) in the past two months.

This incident they hided for two months makes my credit scores too low to finance a house for my family this year. I do n't know how long it will take to remove all fraud credit activities and restore my credit scores. Our family need a house urgently. 
And it 's keeping wasting my time to go to banks, call different banks, go to police office. 
This is a huge accident to our family.