davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (UT)

Before XX/XX/XXXX, I had accounts with USAA, a credit card, and auto insurance. Around XX/XX/XXXX, They were informed, along with other companies who were a party of interest, of the intent to file for XXXX  XXXX Bankruptcy. My attorney notified whom I assume followed the law and informed all outstanding creditors. Bankruptcy was discharged on or about XX/XX/XXXX. Between XXXX and XXXX, I contacted USAA to inquire about a product or service and was informed that they would not move forward due to an outstanding debt that was owed. Upon their request, I informed them of the bankruptcy again and faxed them another copy of the discharged bankruptcy that the court ordered. I chose not to call them back and went in a different direction. I believed the issue was resolved, so I contacted USAA again around XX/XX/XXXX to inquire about renters insurance, as I could not get a quote from their website. When I spoke with a representative, they informed me of the outstanding debt and asked me to send them a copy of the bankruptcy. This being the third time they had been notified of the discharge, I chose to upload it through their portal and received a confirmation that they received it. I contacted USAA again around two weeks later. I spoke with their bankruptcy department, which informed me that I had no outstanding balances with them and that there should not be an issue with getting a quote for renters insurance. Upon being transferred to the insurance department, I was again informed of the outstanding debt. They once again asked me to send in the documentation. I spent no less than XXXX  hours attempting to get USAA to resolve the issue. I informed them that if the problems were not taken care of, I would make a report to CFPB. They informed me not-so-clearly that they did not care and could do nothing unless I sent in the bankruptcy discharge, which USAA has received no less than XXXXXXXX times. They continue to hold a debt they know is invalid and have not sold it for this reason, either.
Consumer complaint received 2024-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (CO)

I need Chime to honor my durable power of attorney that we completed XXXX  years ago when we got married. They are requiring witness signatures on the document but that wasnt what we were directed to do by the lawyer. The poa is XXXX signed and notarized so I cant alter it. My husband was in a wreck in XXXX, XXXX  on Tuesday and he is XXXX  and XXXX. Im in XXXX, XXXX  and I need access to those funds to travel to XXXX. I am also his XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : 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 ( Original Creditor : XXXX XXXXXXXX ) XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (FL)

I had a student loan with XXXX and I only owed closed to XXXX  back in XXXX  I was in forbearance but then made monthly payments and they sold my loan to Aid Advantage and still making monthly payments I still owe over XXXX  I don't understand why my balance is still so high and I need to know if I qualify for that Class action law suit when I called XXXX they told me to contact my school for the transcripts but my school is Closed down I went to XXXX XXXX in XXXX XXXX  and nobody seems to know nothing And I gotten married so my name is changed
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (AL)

A proximally on XXXX XXXX around XXXX AM i withdrew {$630.00} from my bank account into my XXXX XXXX account not realizing that the {$630.00} was my mortgage payment so this action caused my bank account to be overdrawn a negative {$550.00} after i saw my account negativity i proceed to a local branch to resolve this issue and asked a teller to remove funds from my cash app card account I was told it couldn't be done within the branch I would have to go to the ATM to withdraw funds to cover the amount overdrawn i decided to go another direction on this same day XXXX XXXX around XXXX AM I decided to withdraw XXXX from my cash app account electronically to deposit into my bank account and that was done however XXXX XXXX has a transfer fee of {$13.00} to which {$730.00} was electronically deposited into my bank to cover my overdraft of XXXX and out of the XXXX that was deposited the XXXX was deposited back alone with a positive amount of {$180.00} $ XXXX $ XXXX XXXX my account was covered so my account was positive XXXX on XXXX XXXX XXXX AM I withdrew {$200.00} amount from my bank account out of the XXXX which should have put me in a negative {$18.00} and this reflex my XXXX XXXX account my bank processed another {$630.00} transfer to my XXXX XXXX account that is not posted on my XXXX XXXX  account but posted on my bank account that is incorrect
Consumer complaint received 2024-06-29
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$11000.00}
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (CA)

A glitch on Ally 's app did not show a deposit i made a few moments before on the XXXX of XXXX. So, I proceeded to make the deposit again. The deposit then showed up twice, but also both were marked held for the FULL AMOUNT of the deposit. I first texted then called on the XXXX to correct my error to which the clerk told me that they showed the deposit had cleared but funds would not be released until the XXXX. I thought that Reg CC would apply, yet the exception hold should have only applied to one deposit ( which frankly should have been adjusted out during processing ). So. Ally just automatically puts exception holds on deposit errors without reviewing the error itself? How can that be ok?
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC (NE)

I have not supplied proof under the doctrine of XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX Presume that no proof of the alleged Debt, nor therefore any such in fact debt exists
Consumer complaint received 2024-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (VA)

Navient had predatory strategies from changing and transferring my account from debt collector to the next.. From bad information, reporting to my credit with not from payments and dates. This overall, interfere with my credit score. They were the worse with trying to get a payment plan going, from handling the laws with congress. Overall its a mess.
Consumer complaint received 2024-09-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XXXX, I submitted a complaint to cfpb under Claim # XXXX Closed. 
I was advised by XXXX at USAA Savings Bank that they could not find the signature card for my XXXX XXXX Account only the one for my checking account. USAA 's Bank XXXX XXXX staff thoroughly reviewed the details and they froze my XXXX Account since they said the account was not a joint account with my deceased wife. They had me send an affidavit of ownership but rejected it and said that I had to sign theirs. I could not sign it as I could be guilty of XXXX. I had an attorney contact them and they would not respond to him and kept calling me. I took out a loan to reimburse for funeral expenses. In XXXX, I went to the Credit Union to update my checking account and to open a savings account. I signed the signature card and my daughter did also for joint tenants. I asked for a second card for the savings account and they said that there was only one card for all accounts. I asked how long that had been in force and I was advised always in Florida. I've never banked in any other State. I received a call from USAA a few days later and was advised they would check it. I started transferring funds on XXXX. I received a call a few days later advising my account was available. No letter and no offer to compensate me.
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I deposited a cashier check at bank of america that was drawn on a local depository bank per 12 USC Chapter 41, the bank placed my deposit on an improper hold. This is not a new account so the safeguard provision stated in 12 USC chapter 14 sec 4003 doesn't apply. I asked the bank if the director of the consumer financial protection agency had declared a banking emergency that allowed the bank to break the law. On numerous occasions the bank has place my check deposits of long holds causing me a financial hardship. After requesting the hold be remove the bank operate under a deceptive practice of claiming its to protect me from fraud, as that's a valid reason to violate my access to my property. The also claim that I have a depository agreement with them that allow them to administer my property. I never received any such document from the bank signed by any agent of the bank, therefore no such contract exists obligations to accept their negligence in handling my accounts. I also request that the bank return all securities ( property ) I have deposited in all my accounts in the form of checks, federal reserve notes, promissary notes, electronic funds transfer, or wire transfer as evidence by the credit applied to my books. I would like a full accounting or true bill under GAAP of all accounts on the public and private side of the ledger, asset and liabilities, as well as offsets on other ledgers. I would like the cfpb to investigate this bank scam as its affecting thousands of account holders and small business placing an u due burden and hardship. The consumer should suffer any hardship because the bank is not willing to provide an adequate product with the necessary protection. Please provide me with a FDIC insurance claim s form so I can file a claim for my bank losses.
Consumer complaint received 2024-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (SC)

Navient took over one of my loans from my university which was about XXXX in the process of them letting me know they would be handling my loans. The agent let me know I had another loan with another company, which I was aware of, starting speaking about consolidating them which will make them my only company, I advised the agent no and I would look into it at a later time. After we got off the phone I received an email the loans were consolidated, I tried calling back but was unable to speak with an agent. Anything I call and speak with an agent they kept telling me I couldnt undo the process.My loans after being consolidated without me agreeing, having to reapply for the different forbearance programs that cause an crazy amount of interest if you have to wait for them to approve you for the lower monthly payment also Navient turning my loans over to a different lender causes my loans to be currently over XXXX.
Consumer complaint received 2024-09-24
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I opened checking and savings accounts with Citizens Bank on XX/XX/year>, as part of a promotion that offered a {$600.00} bonus ( {$300.00} for each account ) if I met certain terms ( outlined in the attached promotion ). I have fulfilled all the requirements for both accounts, but I have only received the {$300.00} for the checking account. The additional {$300.00} for the savings account remains unpaid, despite my meeting the promotion terms, which require at least one single deposit of {$500.00} or multiple deposits totaling {$500.00} into the new savings account every month for three consecutive months. As evidenced by the attached bank statement, I have met this requirement. However, despite multiple attempts to resolve the issue, Citizens customer representatives have refused to honor the opening bonus for my savings account.
Consumer complaint received 2024-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (NY)

In XX/XX/XXXX, I was notified via email by the U.S Department of Education that XXXX will no longer be my loan servicer and instead Aidvantage will be my loan servicer. 

According to XXXX, in early XXXX, " 39 state Attorneys General announced today that XXXX, known as one of the nations largest student loan servicers, will provide relief totaling {$1.00} XXXX to resolve allegations of widespread unfair and deceptive student loan servicing practices and abuses in originating predatory student loans. '' On XX/XX/XXXX, I reached to Aidvantage and StudentAid.gov informing them of the lawsuit and request a status. I was told by one of Aidvantage 's customer service reps that no action would be required on me end. I hadn't heard from Aidvantage for about a year, so I followed up in XX/XX/XXXX with Aidvantage. 

On XX/XX/XXXX, I received notice that Aidvantage took my loans out of deferment and placed them in forbearance, which resulted in an increse of the loan balance due to interest fees. 

I then emailed Aidvanatge and Student Aid in XXXX and XXXX, regarding the change and was emailed a bill today ( XX/XX/XXXX ) for {$1300.00} which is due on XX/XX/XXXX. I then called Aidvantage and had three unsuccessful attempts to be transferred to a representative. 

No one has reached out to me to explain the status of the lawsuit or to offer the best options for handling this loan. Instead Aidvanatage continued to make my financial situation worse by placing the loans in forbearance and billing me {$1300.00} without investigating my situation.
Consumer complaint received 2024-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (FL)

I made a payment to " mr. cooper '' a service provider that only purchased my loan a few months ago. My bank shows the electronic payment was received on the XXXX so I tried to contact mr. cooper via the number provided on their statement but only an automated system was available, and it would not transfer me to an agent no matter what i did. after 3 days of trying to reach them i finally just decided to pay the loan off so i wouldn't have to deal with them anymore. I requested a payoff through the website, since nobody was available to speak, the payoff included the missing payment of XXXX which was XXXX. I wired the payoff on the XXXX in full and it was received. The website showed the payment sent electronically on the XXXX was also processed on the XXXX which means i should have a credit of {$3300.00} plus mu escrow. The website shows i only have a credit of XXXX and nobody will tell me why. I tried to get answers from the chat option but i was told i had to call, now when i call i can't even get past the first question which is my loan number or ssn as the company seems to have closed my account and provided me no means to resolve my overpayment. I want to make sure you understand, when I say i was unable to reach someone, it wasn't that i simply was on hold for too long, their automated system made it impossible to even be transferred to an agent, it just kept insisting it would help that kept hanging up on me when i didn't pick one of its options. I even tried picking all the options and none except the one where i was experiencing a hardship reached a person, the person i did reach who dealt with hardships said they could not help in any way and i would have to try and call back.
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

On XXXX, I paid my Credit Card bill early ( was due XX/XX/XXXX ) and the minimum payment was {$60.00}. I paid {$270.00}. On XXXX my Credit limit was reduced for no reason, from {$3000.00} to {$2800.00}. I WAS NEVER LATE ON PAYMENTS AND ALWAYS PAID MORE. The payment of {$270.00} was suppose to cover the minimum payment of {$60.00} and leave me with an available credit of {$210.00}. Instead, they TOOK {$190.00} and left me with {$83.00}. I called and requested a refund for the remaining {$130.00} on XX/XX/XXXX and the representative informed me that a REQUEST would be made for it and it has to be APPROVED. She said that it would take 3-5 business days. I called on XX/XX/XXXX to check the status. The 1st Rep hung up on me after trying to tell me that my {$270.00} was for over drawing on my card, which isnt true. My account is current and my min payment was only for {$60.00}. The next Rep, transferred me to collections after I asked for her to transfer me to a Supervisor. Collections transferred me back to ANOTHER rep. This rep states that my request is still under review for APPROVAL. I am demanding my money back. Nothing should be under APPROVAL if its MY MONEY. The extra was to have as a cushion for an avail balance, not for them to take, in addition to the min payment, and leave me with {$83.00}. They refunded me XXXX and now my avail credit is {$0.00}. Once I pay this card off, I do not want anything more to do with Citi. They are predatory and a rip off.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (TX)

In XXXX of 2022, XXXX Mortgage force placed insurance on my mortgage account because they thought I did not have insurance. I provided them with evidence of the insurance I had and asked them to stop escrowing my account and acknowledge receipt of the evidence in writing. They provided the evidence in writing, but did not stop escrowing the account. They have continued to escrow the account for nearly XXXX years now despite their customer service agents promising me many times that they would resolve this issue. Every payment that I make is misapplied with part of the balance going to escrow for insurance which they are not providing ( nor do I want them to ), literally to XXXX XXXX that my statements now show XXXX of dollars balance due for escrow that they are not providing. As a result, the money that should be getting applied to the principal of my balance is instead going to the fictitious insurance. 
I am including the statements in 2022 ( XXXX and XXXX ) where the balance was correct and then where the escrow was starting to be taken, my current statement showing where the escrow is still being taken and the high escrow balance amount, and the letter I received stating that the insurance issue was resolved.
Consumer complaint received 2024-09-16
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (WA)

On XXXX XXXX XXXX, I ordered a pair of diamond earrings and charged it to my Macy 's store card for {$750.00}. I received the package on XX/XX/XXXX and the box was empty. I immediately called their customer service. They canceled my existing card and reissued me a new one, due to fraud. In addition, they sent out a replacement pair of earrings. I have a XXXX XXXX XXXXXXXX transaction payment to Macy 's of {$750.00} dated XX/XX/year>, paying for the earrings I received. I filed a police report with our XXXX XXXX XXXX. Their determination for the empty package was Macy 's whether intentional or accidental. I have repeatedly disputed this with Macy 's each month, to no avail. They consistently deny my case even though I've presented the documents to prove I have indeed paid for what I did receive. I have not had a blemish on my credit report until now. At XXXX XXXX XXXX I think that's quite an accomplishment and I was a platinum member with Macy 's if that says anything. Now I'm charged 34 % interest on each month the account is past due. I would like my account cleared of all charges.