davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

On XX/XX/2023, I paid {$1200.00} towards my student loan and paid it through Ed Financial Services. The amount was deducted from my bank account but until now the payment has not been posted or deducted from my student loan balance. I have submitted bank statement to Ed Financial Services and spoke to their agents for 2 weeks now but until now this issue still hasnt been resolved.
Consumer complaint received 2023-09-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

On XX/XX/2023, I accessed my checking account and saw that {$10000.00} was withdrawn. The next two days I received notification from US Bank that {$1000.00} and {$200.00} were respectively withdrawn. I called the XXXX XXXX main branch and spoke with an account rep name XXXX, who verified that a cashier 's check for the remaining balance was sent and he verified my mailing address. 
The week of XX/XX/2023, I received a cashier 's check for {$1000.00}. 
On XX/XX/2023, I called XXXX XXXX XXXX and verified with an online representative that the check for {$10000.00} was not returned to them, the issuer, and my account did not reflect a return deposit. The check is still outstanding. 
On XX/XX/2023, I spoke with an online banker name, XXXX, who claimed to have verified with her manager that the check for {$10000.00} is still being verified. She recommended that I call the local branch and request a cashier 's check for that amount. Well, I called the XXXX XXXX XXXX and spoke with XXXX, the branch manager. He told me that the request for a cashier 's check is " handled by the back office '' and he is " not to intervene '' with that. 

I am stressed over this whole issue not being resolved. Why did US Bank make XXXX separate withdrawals for {$10000.00}, {$1000.00}, and {$200.00}, instead of a single withdrawal for the entire remaining balance. Why didn't I receive a single cashier 's check for {$11000.00}? Why is U S Bank taking till XX/XX/2023, and beyond to verify a check? I made an ATM deposit on XX/XX/2023. Since XX/XX/2023, I am being told that the check has to be verified. 

I am trying to figure out what other legal options to take to get U S Bank to release all of the funds expeditiously to me.
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Newport Intermediate Inc. (FL)

Called Northlane.comseveral times same recording at different numbers, no option to speak to someone.The card is a debit card/ credit issued by XXXX for XXXX for a credit from XXXXCalled XXXX got connected to Northlane but was conveniently disconnected.The reviews on their website r all the same cant contact the company n get get their money.Card was issued by XXXX XXXX  its valid thru XX/XX/24 card # is XXXX XXXX XXXX XXXX XXXX acct # was XXXXnorthlane.comXXXX Tried using the card several times as credit/debit DECLINED!!!!!!
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

, there is information that is on my consumer report that is a result of IDENTITY THEFT. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be BLOCKED and DELETED. My request to block is not being made in error ; nor is my request to block is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer. 

Based on 15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of the receipt It has been 30 days and you are in violation of this law because I am a victim of identity theft! please delete these items as soon as possible! 

These accounts and inquiries should not be furnished on my consumer report as they are in violation!! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. 
I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PLEASE DELETE THESE ACCOUNTS IMMEDIATELY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA law 15 USC 1681 I have not given written permission to put anything on my credit profile have violated me pursuant to 15 USC 1681 B the permissible purpose of Consumer Reports you have no permissible purpose by law to contact third parties with my private and personal information your offenses amount to aggravated identity theft pursuant to title 18 USC felony punishable 1028A in addition to civil liability up to {$1000.00} per violation you are also in violation of 15 USC 1692 my instructions are for you to delete these accounts immediately.

PLEASE AND THANK YOU.
Consumer complaint received 2023-07-24
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: Cascade CISS Holdings, LLC (WI)

To Whom It Applies : I saw that two companies have made hard inquiries on my credit report from XXXX and XXXX that I did not authorize, have knowledge of, or consent to : XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX -- the phone number is disconnected to call and I see on line that I am not the first person they done this to ; XACTUS LLC XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CT, XXXX -- I spoke to a company rep and they said they find no record of such activity, and that they are a third party for companies who have clients seeking a home loan. 

I am on hold for XACTUS and the rep said they will be right back. That was about five minutes ago. 

These are scam companies in my opinion in light of that stated above.
Consumer complaint received 2023-08-09
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: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have bank of america account since 2022, I always worked with them, It is my priority account all my checks that i receive from my employer I always deposited, I always paid my credit cards. All my bills I paid from my account. Today i have scheduled auto pay to my car lease and they closed my account I cant process it. Also I receive my check that I need to deposit to pay my home rent and bills now they closed and I cant do anything. 
And they telling its their decision without providing reason. Im so upset because I dont know how I gon na pay my bills.
Consumer complaint received 2023-10-30
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: UNITED COMMUNITY BANK (GA)

Consumer Financial Protection Bureau Subject : Complaint regarding refusal to cash a check issued by United Community Bank Dear Sir/Madam , I hope this letter finds you well. I am writing to file a complaint regarding an issue I am facing with United Community Bank, XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX, and I kindly request your assistance in resolving this matter. 

On or around XX/XX/2023, I received a notification from United Community Bank informing me that my business account had been closed due to it being overdrawn. During this time my business continued to make small deposits to bring the account current. We received a large payment which provided the bank with all overdraft fees and made the account positive again. At that time when the account was no longer overdrawn, United Community Bank XXXX XXXX made the decision to close the account and issued a check in the amount of {$2300.00} as the final balance of my account made payable only to the business. I am currently unable to cash this check because my divorce resulted in a drop in credit score which is impeding my ability to open another business account at any bank. 

The check in question is made payable to my business, XXXX XXXX XXXX XXXX XXXX. I am the XXXX  of the business and have documentation to provide the bank. Unfortunately, I no longer possess a business account with United Community Bank or any other bank. I do still have a personal account with United Community Bank, however, they refuse to cash the check. Consequently, I am facing difficulties in obtaining the funds that are rightfully mine. 

I have made several attempts to explain my situation to the bank representatives, but they have been uncooperative and have refused to cash the check. I believe this refusal is unjustified, as the funds were issued to me as the account holder, and I should be able to access them without hindrance. 

Given the circumstances, I kindly request the intervention and support of the Consumer Financial Protection Bureau in ensuring that my rights as a consumer are upheld. Specifically, I would appreciate your assistance in mediating a resolution with United Community Bank, XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX such as requesting them to reissue the check in a format that can be cashed by an individual rather than a business entity. 

I have attached copies of relevant documents, including the check in question for your reference. If there are any additional materials or information required to facilitate the resolution process, please let me know, and I will provide them promptly. 

I sincerely hope that the Consumer Financial Protection Bureau can help me rectify this situation and ensure that I receive the funds owed to me. I eagerly await your response and appreciate your attention to this matter. 

Thank you for your time and consideration. 

Yours faithfully, XXXX XXXX
Consumer complaint received 2023-10-30
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

I currently have 3 cards with Synchrony Bank. I have a Cares Credit, Mattress Firm and XXXX XXXX. 
It started with my XXXX XXXX XXXX, it was paid on auto paid on time every month. SB decided to randomly lower my credit limit even though the card were never used for anything else other than being paid. 
At the time I had 100 percent payment history across the board and no delinquency any where. The lower my limit right to the balance I was paying though a purchase special with equal monthly payments. 

Recently, I due to unforced events from employer not stopped paying me, emergency medical treatments as well as a passing in the family. I was forced to start missing payments due to hardship. I started to miss payments on my Cares Credit card as they add some significant amount of interest for medical expense charge. 

At random, they decide to close my Mattress Firm card which I have had zero missed payment and only 3 payments remaining on a purchase special. The card has been on auto pay since day one. The car also has never been used other than the initial purchase. 

The unethical practice of SB continues as they purposely left open the only card that is delinquent!!! They offer zero help in anything other than calling me and harassing me for a payment. A rep called and as I explained to her I have XXXX income as I am just about to start a new position with a company, I wont know when I would get paid or exactly how much and to please call me back in a few days. The rep purposely made me go through a hardship questionnaire when I " specified '' I have XXXX  income at this second and she then told me " sorry due to your lack of income you do not qualify for hardship ''. 

This bank is unethically finding ways to either lower your credit score or trying to burry you in so much interest you have zero way of getting out!! 

They have done " tricks ' on all three of my accounts. This kind of behavior is unethical and it should be stopped.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (DC)

My student loans were switched over to Nelnet. I scheduled a payment using my online banking with the routing and account number for XX/XX/2023. I logged on today to see that the payment had not been credited and that I was showing as delinquent. Nelnet advises that the bank refused the payment, but the bank says they never received a request for payment and therefore never denied anything. I have verified that Nelnet has the correct numbers so I do not understand what is going on and why I can not get an answer from them.
Consumer complaint received 2023-09-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (MN)

several months ago, I spoke with a respresentative from Mr. Cooper who indicated I would have the option to put my past due balance on the back of my mortgage as a balloon payment. Surprisingly. the last XXXX representatives I spoke with have indicated I do not have that option available. XXXX months ago I spoke to a representative who asked several questions over the phone then said this was part of their process to see what program I qualify for. This gentlement indicated I would receive a packet in the mail requesting additional information and to be on the look out. Surprisingly, I received a random denial for a program I was unaware he was trying to get me involved with. I called immediately again, The representative indicated on XXXX I can either pay the {$24000.00} past due today and split {$4000.00} in 3-6 payments, pay the full amount of {$28000.00}, or request a modification. Every time I call I get a different story every single time. I just want to resolve this issue, get my mortgage reinstated and the past due put on the back of the mortgage like I waS TOLD at the beginning before I went on this program. They are not being truthful and I feel like its a shakedown and intimidation tactic.
Consumer complaint received 2017-03-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (MN)

We refinanced a mortgage that was help by PNC in XXXX. PNC provided the new mortgage holder with an unrealistically high payoff estimate and we asked them to provide a newer, updated estimate before closing but they refused. They were eventually sent {$830.00} more than was necessary to pay of the old mortgage in XX/XX/2017. We asked them to refund that to us by direct deposit into the same account that we had been using to make our payments for the last 10 years and they refused. They placed the funds in an Escrow account and said they would return it to us within 20 days. On XX/XX/XXXX the money was withdrawn from escrow and I was told in a secure message that it would be mailed that day. We still have not received the check and they are not able to provide any proof they have mailed it. There was no legitimate reason for them to hold the funds for 20 days and no legitimate reason for it to take an additional two weeks to make it to us through the mail. The only advice they have for us is to continue waiting.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2017-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (NC)

my school loans used to be through XXXX. Now, it is called Navient. 
I prefer to pay by mail with monthly coupons. Navient failed to send me the 2017 coupon book to make the XX/XX/2017 payment on time. I called them in early XXXX and they told me they would send out the coupon book. after a few weeks, i called again because no coupon book arrived. during this second call, Navient told me they mailed it but it was returned to them. my address has remaining the same, no changes. when the coupon book arrived, i made the XX/XX/2017 and XX/XX/2017 monthly payments in one money order. now Navient has imposed late charges for not paying XXXX on time. 
more importantly, Navient is telephoning me on the following dates and times : XXXX XXXX am ; XXXX XXXX am ; XXXX XXXX pm ; XXXX XXXX am ; XXXX XXXX pm ; XXXX XXXX am ; XXXX XXXX am and today XXXX at XXXX : XXXX. these are calls with no live caller on the line, only a message for me to call them for an important message about my loan. because i am being harassed by these robo calls, on tuesday, XX/XX/XXXX, after recceiving the XXXX robo call, i telephoned the number left on the robo message.. the navient representative checked my account after i explained i made 2 months payment. he stated my account is current. i explained to him that these daily calls are harassing as i am current on my account. he assured me he would fix the problem. since that XXXX telephone call, navient has telephoned me on XXXX at XXXX ; XXXX at XXXX am and XXXX at XXXX am. 
how do i get them to stop harassing me? again, the navient representative advised me that my account is current as of XXXX. please assist me in stopping these harassing robo calls.