davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (SC)

I went to TD Bank after trying to rectify the issue myself with the seller of and item i ordered through XXXX XXXX. Also tried to rectify it with XXXX XXXX directly and they told me they could not help me. Went to the seller and requested a refund for the items that i never received and they denied me. So then i when to TD bank and they gave me a provisional credit for the items i never received. Then they took it back form me, so i filed a dispute against there ruling of them not finding anything wrong. So they gave me the money back and a couple of weeks ago the took it back again. Now putting my account into overdraft and hitting me with a fee on top of it. I live on a limited income and because of there actions i was forced to take out a personal loan to pay for the bills that from the money they took out of my account. I truly think it is unfair how banks can play with peoples accounts like that. 

XXXX
Consumer complaint received 2023-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

I requested a refund for my XXXX payment from Mohela due to the amount ( {$710.00} ) being taken out on XX/XX/23. The refund was supposedly initiated. The representative I spoke to yesterday morning stated a refund was showed to have been issued on XX/XX/23, however, this payment was never received back into my checking account. I had automatic payments debit payments set up. I then asked the representative if she can tell where does the system reflect where my refund was sent to and she stated being unable to determine where this alleged refund was sent to. It is absolutely fraudulent to state in The Mohela system a refund had been issued to me, when in fact this is untrue and yet they are unable to verify where my refund was sent to. Also, a second {$710.00} payment was taken from my bank account on yesterday despite my current monthly payment being set to {$0.00}. 

Mohela has stolen {$1400.00} from me and have not refunded me. This is absolutely unacceptable and unethical. 

Please sent help have the government do an investigation on this loan servicing provider. Ive never had this issue with my previous loan servicing provider and had not missed payments. This is emotionally exhausting and causing me a lot of stress/anxiety.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This is my several request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$5000.00} ( Original Creditor : XXXX ) XXXX Balance : {$220.00} XXXX  XX/XX/2023 XXXX  XX/XX/2023
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Chime Financial Inc (FL)

My card, ID & phone was stolen from XXXX XXXX XXXX XXXX while in residence. All my information was in my phone. I contacted CHIME @ XXXX explained that I only have my last 4 digits of the card ( XXXX ), my email. I need a replacement card sent to me at my new nursing facility, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX. I have an open case ticket # XXXX with Chime. They will not replace card dispite the many document sent to them. Bottom line is Im confined to a bed with XXXX XXXX XXXX, XXXX XXXX and recently had a XXXX XXXX. I need the replacement card to pay my XXXX home since my SS XXXX is deposited there.
Consumer complaint received 2020-12-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PR)

Short Sale process with Select Portfolio Services 1-Missing/disappearing documents repeatedly 2-Alleging they did not receive documents which were all sent by emails even as one document package, whereas receipt of email was produced 3-Alleging they did not receive documents even when such documents where even discussed with officials 3-promising to call back if documents where needed, and never receiving such calls 4-stalling the process requesting documents that should exist of lenders file, such as a loan modification agreement, which exist on foreclosure attorneys file and which have anyway been sent several times in a 4 year time period 5-not reading documents thoroughly, regarding clauses and info already provided in the documents 6-insisting more than once that the realtors invoice for {$12000.00} does not represent the 5 % brokerage fee of purchase price of {$250000.00} 7-Claiming errors on a reviewed item by item HUD with a lenders official whereas all changes requested where double checked with such official, and deemed corrected during phone call 8-Manager Relationship not ever being available once when requested for the last 12 months 9-Contradictory info provided by at least 2 officials, when follow up on documents sent on the same day 10-System notes with clarifications taken by and official never, ever, being received by relationship manager and/or disappearing from system 11-Allowing all documents to expire in several occasions in the process of requesting already existing info and documents, due to lack of proper review and/or loss of such documents, which burden parties with resubmitting such info and documents. 
12-lack of knowledge of real estate in Puerto Rico and local laws governing legal documents and contracts 13-Offering misleading information as to HUD items to be included 14-Claiming that a 12 months listing signed on XX/XX/2020 agreement expired on XX/XX/XXXX and not recognizing a clause regarding an existing purchase offer under such contract 15-Having been accepted the same short sale 2 tomes over a 4 yea period, only giving 30 days to close under an FHA loan which at least takes 60 days to process in PR
Consumer complaint received 2023-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Since XX/XX/2023 we have been calling and faxing Bank of America about the lien on the house that was found when I was in the process of selling my house which has now been sold. Myself, my son and my lawyer have talked to the Bank of America numerous times and they continue to say we have to fax the legal department for us to get the documentation we need to show that the account has been closed and satisfactory due to bankruptcy. Bank of America tells us there is no lien and the account is closed and there is no money owed. The title company says there is a lien on the house for approx {$7000.00} from the Bank of America. The house has been sold since XX/XX/2023 and the money from that sell is still with the buyers bank due to this issue. I cant moved forward because of this. 

Since XXXX, my lawyer, my son and I have faxed the legal department 3-4 times a week with no response. 

On XX/XX/2023 I called Bank of America again. They proceed to say there is no amount due, the account is closed and satisfactory due to bankruptcy and they can not provide any documentation saying that, it must come through their legal department. They said we need to send a fax to the legal department to get the statement we are requesting.
Consumer complaint received 2023-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (OR)

In XXXX, I paid my student loans in full through XXXX XXXX using Public Service Loan Forgiveness. I taught in Title I public schools for five years to be eligible. I have e-mails to that effect. XXXX XXXX no longer exists. 

Early this year ( XXXX ), I began receiving communications from MOHELA that my loan payments would soon resume. I attempted to contact them several times to inform them of their error, with no response. 

XX/XX/XXXX, I received a bill for {$57.00}, against a total amount of {$1600.00}. I again attempted to contact the company, and they were unable to locate any information regarding my debt. 

I reported their actions to the XXXX XXXX XXXX and took steps to contact a lawyer to defend myself from their fraudulent claims. 

Today, XX/XX/XXXX, I received another bill from them for {$57.00} and the " past due '' amount ( {$110.00} total. ) I also received notice from the XXXX XXXX XXXX that they claim to have contacted me about the matter and I am still not content with the resolution. 

They never contacted me, unless they consider a fraudulent bill an attempt to resolve the issue. 

If the company makes no attempt to contact me in earnest and I am unable to retain a lawyer in my area to handle the matter, my next steps will be to contact my state Attorney General and Senators.
Consumer complaint received 2023-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

I am pursuing PSLF and my federal loans are serviced by MOHELA. MOHELA placed my loans on a an " administrative forbearance '' without my request, beginning XX/XX/23 and ending XX/XX/23. This prevents me from making two monthly payments on my student loans that would count towards the 120 payments required for loan forgiveness. It lengthens the time these loans are active and allows two additional months for interest to accrue. I have contacted MOHELA through their internal message system twice over the past two weeks to request for the administrative forbearance I did NOT request to be removed immediately, and I have requested a payment due date in XXXX so that I XXXX make a required XXXX payment. I have not received reply correspondence from MOHELA. I have contacted MOHELA by phone and have been on hold for over two hours without being able to reach a representative. These call wait times are excessively prohibitive and I have not yet been able to reach a representative by phone to address this concern. 

MOHELA notified me by letter on XX/XX/23 of the administrative forbearance that began on XX/XX/23. This did not provide me any chance to request for the administrative forbearance to NOT be applied to my account. I have provided the PDF of this documentation here.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

There is no consistency in the data entry of these reports. 
15 U.S. Code 1681s2 a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 

( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
Consumer complaint received 2023-06-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (AZ)

This company refuses to delete this collection from my credit report despite the fact that the original creditor ( XXXX XXXX ) made a mistake and failed to bill my insurance company during my hospital visit. I have gone back and forth with them multiple times and each time, they tell me it's being taken care of. I contact the HR department from my Employer at the time and they provided me with proof of coverage during the time I was in the hospital. Please see attached. I also confirmed with XXXX XXXX ( Original Creditor ) that they never attempted to bill insurance for any services.
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo account balance being reported on my personal credit report is inaccurate, false, and incorrect. The account balance is not reporting a large payment sum made and therefore reporting a balance that is inaccurate, false, and incorrect. The balance being reported is immediately incorrect, inaccurate, and false, which must be updated to reflect the correct, accurate, and true balance as required by law to report in my credit file. I am demanding pursuant to The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq that Wells Fargo immediately update my credit report and only report a correct, accurate, and true balance statement at all times.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (CA)

It is practically impossible to have a conversation with PNC call center people. I have called them 4 times today asking for a manager or supervisor on the call, but with no luck. Some of them hung up the call on me, some transferred to the wrong person, some refused to let me speak to a supervisor. I have no clue how many checking accounts PNC has opened under my name, and if any accounts has been opened at all ; I have no idea whatsoever. I received an email communication from a PNC executive office employee who I could not get in touch with, my emails and phone calls were not returned. All I know is PNC call center operators and executive office is unprofessional and arrogant. I want all my applications and accounts with PNC to be closed with immediate effect.
Consumer complaint received 2023-06-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (GA)

XX/XX/2022, I contacted the office to try and cancel the additional add-ons that were attached to my account with out my consent and was told it goes lon requirements and would be liable to for interest accrued if I cancel the additional add-ons products and my interest rate would be increased. I asked to speak with management the sale Rep disconnected my call. This is unfair.
Consumer complaint received 2023-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (TN)

On XX/XX/23, Mohela sent me a letter which stated that in light of my recent Public Service Loan Forgiveness certification, I had been placed in an administrative forbearance until XX/XX/23. 

I operated in reliance on that letter. 

Well over a month before that forbearance period had ended, Mohela sent me a notice that I have a past due payment and now owe {$730.00}. 

I have requested that Mohela take immediate action to rectify this erroneous billing practice and to ensure that my credit has not been negatively impacted. 

It is unacceptable that payments were assessed during a Department-mandated forbearance period which are now being characterized as overdue and potentially impacting my credit. 

This strikes me an attempt to intimidate borrowers into making payments to which Mohela is not legally entitled ( due to the forbearance ordered by the Department ). In my view, this billing practice constitutes fraud on the part of the servicer, which warrants legal action. I suspect that this practice is being used on a systemic level against all PSLF applicants. 

The Bureau must take action to address this and to ensure that Mohela is not engaging in fraudulent billing practices as it relates to PSLF applicants.
Consumer complaint received 2023-06-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (NV)

Here is the loan officer information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cell : XXXX XXXX U.S. Bank Home Mortgage XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX XXXX On Sunday XX/XX/XXXX after meeting with the XXXX XXXX XXXX XXXX is the representative . We asked XXXX to provide us an updated offer letter and with the information from the application in XXXX he had approved saying yes he would gladly provide one. Then when we requested multiple times an estimated loan he stated and you can see the emails that we needed a contract with XXXXXXXX XXXX to provide an estimate. That he couldnt provide one. I clearly explained that this was against the law and per CFPB we did not have to have a signed contract to obtain a loan estimate. Then he argued that he didnt have an address and he had already been in contact with the buildeXXXX XXXX XXXX and had the lot number. I went ahead and provided this to him again and stated once he had all the XXXX points to provide a loan estimate. On XX/XX/XXXX I expected a loan estimate. Instead XXXX with guidance from his manager triggered a loan on a house that is not due to be completed until 7 months from now and a loan isnt required. We simply wanted a loan estimate and we provided all the information necessary. XXXX and his manager at US BANK continued to deny this request and illegally asked us to provide a contract which was not necessary and also he had all the information required to provide us a loan estimate.
Consumer complaint received 2023-06-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (MD)

I keep receiving e-mails from Us bank that are not meant for me and include details of transactions made by " XXXX '' They include details as shown below. I can not unsubscribe from these e-mails because you must log-in to their website to change your preferences and I can not as I am not one of their customers. I spent over an hour on the phone with the Fraud department at XXXX on XX/XX/XXXX and spoke to supervisors XXXX and then supervisor XXXX who refused to give their last names or extensions in order to try to rectify the situation. I would like compensation for the hours I have spent trying to get Us bank to stop sending me unsolicited e-mails. Branch receipt : Your withdrawal on XX/XX/2023 Time : XXXXXXXX XXXX Amount : {$3.00} From : Standard Savings ending in XXXX Posting date : XX/XX/2023 Branch location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX,, KS XXXX Branch # : XXXX Teller # : XXXX Transaction # : XXXX
Consumer complaint received 2023-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2023-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

I opened a business account with Truist bank XXXX, 2023. I deposited {$100.00} and did not touch the funds until XX/XX/XXXX. I withdrew {$60.00} from ATM on XXXX and {$20.00} on XXXX for my business needs. There was a fee from the Atm and a fee from Truist totaling {$6.00}. This would have left an account balance of {$18.00}. The next day, XXXX I swiped the debit card in a store for the first time. I checked my balance each time before using card and it showed positive. Two weeks later I go to deposit funds and see that Truist charged me excessive overdraft fees. Five separate overdraft fees, totaling {$180.00} for two days of usage. When I called in to inquire, I was informed I had swiped my card before I went to the Atm, which I did not and have screen shots attached showing an overdraft fee added while account was positive, causing all the other fees. Even my last statement from XXXX shows a posted balance of {$45.00}. I was also told they do not have a way of turning off the option to overdraft. They waived one fee and explained their system only waives one fee every 24 months over the phone but referred me to the branch location. I went to the branch and got the same feedback. This is unacceptable banking.
Consumer complaint received 2023-12-07
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2023 there was a wire transfer from my business checking account with Capital One Bank in the amount of {$290000.00}. My account was debited this amount. I got a call from the bank about this wire soon after it was done to ask if it was me. I told the bank that I did not do that nor I am familiar with the company to which wire transfer was done. They were aware that the wire transfer was made to XXXX XXXX XXXXXXXX and I was told that they had made a recall on it. For the next two weeks I was told that they are investigating. In the third week I was told that bank is not going to return my money. I had a small business checking account no. XXXX with Capital One Bank which has been deactivated now.