davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

In XXXX, I put in an application to consolidate my loan. The information said I could continue to make payments during the application process and the consolidated loans would be adjusted. During the application, I made 2 payments - 1 on XX/XX/XXXX for {$1800.00}, and 1 on XX/XX/XXXX for {$13.00}. Because of where the loans were in the process, the payments were not reflected in the consolidated loans and the payments were " applied '' to future payments but are not showing towards my loan balance. I have spoken to customer representatives several times and eventually was informed, they could not process those payments towards my current consolidated loans because they are not the same loans so I requested the money to be refunded. On the call on XX/XX/XXXX, they said they were processing the repayments and it would take up to 60 days to receive the funds. I never received email confirmation but trusted them. I called today to check on the status of the refund and was first told that they were no refund processing in the system and they would resubmit the refund. I asked to speak to a supervisor and was on a hold for over an hour ( after already being on the phone with the first customer service person for 1 hour 30 mins just to explain my situation ), eventually having to leave due to another appointment. I called back later today to have another customer representative tell me that the refund was refused because the loan was paid in full ( i.e. due to the consolidation process ). I am now waiting again to speak to a supervisor and have wasted at least 20 hours in total trying to get this almost {$2000.00} applied to my loans balance or returned to me with conflicting information from each customer representative and no communication of the status outside of me actively calling. I.e. no communication that the repayment was " denied ''. If this money is not returned or applied to my loan balances, this is theft and incredibly stressful.
Consumer complaint received 2023-12-15
Product: Credit card — General-purpose credit card or charge 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: DISCOVER BANK (FL)

I got scammed by a seller on XXXX  for XXXX. Discover Card gave me credit but then sided with the seller because all sales are final. The credit was revoked and I called Discover to explain further my point that I was scammed & that the seller suspended my account ( which should be suspicious on its own ), so I cant even reach out to them ... the item is defective, faulty and not as advertised ; a scam. Discover agent proceeded to tell me I had to get documentation that the company that scammed me would issue me a refund & then hung up on me. I got scammed and Discover Card will not cover me or even offer me decent customer service. Why would the company that scammed me and suspended the account I used to buy the item offer a refund for me? Why would I even need to reach out to Discover if the seller agreed to refund in the first place?
Consumer complaint received 2023-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Upgrade, Inc. (TX)

XX/XX/2023 I submitted my SCRA certification to all my creditors. 
I sent the SCRA certification to Upgrade around XXXX via the written process they requested. 
I received confirmation that my SCRA was approved two-three weeks later, however, my balance and rates were not adjusted on the customer Upgrade interface. 

I contacted Upgrade 2 times. The first time I was advised to wait one billing cycle for the system to update. After the billing cycle, I was advised that the SCRA adjustments were made, however, the balance was not affected. 

Oddities : Upgrade showed my due amount for two billing cycles as {$0.00} ( XXXX and XXXX ). I was not advised if this is considered a credit per the SCRA. I still do noy know if it was. 

After submitting my SCRA, I received an email notification stating that Upgrade has adjusted my available credit in a negative manner- decrease in my credit availability.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been calling an writing to the company since XXXX of 2023 agents continue to hang up on me now they have blocked me from logging into the online account an everytime I call they hang up on me
Consumer complaint received 2023-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A. (NJ)

Hello, my name is XXXX XXXX XXXX I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : PNC BANK XXXXXXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$4400.00} XXXX XXXXXXXX XX/XX/XXXX {$3100.00}
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/2023, I wrote a dispute letter to CRA Equifax and mailed notification disputing incorrect personal information reported by the credit reporting agency. In the dispute letter I specified the rationale for my compliant according to FRCA U.S.C.1681i. I mailed the letter via USPS certified mail, XX/XX/2023. As of XX/XX/2023, I have not received an update or response to my dispute. After checking Equifax 's website, there are no changes to my credit report.
Consumer complaint received 2017-03-02
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE (CA)

On XX/XX/2016 I started the ReFi of my mortgage with AnnieMAC, we did not close until XX/XX/2017. In the beginning I was working with a Loan Originator which seem like everything was fine, I responded to her questions and needs and did the same for me. A week before the election, my appraisal came back and all the other paperwork required, I emailed her make sure that we were locked in at 3.8 % with no points. The day before the election I tried to get a hold of her to make sure because with election, interest rates could go either way. I was unable to get anybody at the company, their phone tree prevented me from getting a live person. I finally got a number through the web page and talked to a receptionist, she help me get in touch with a manager, his name is XXXX, he told me that the loan originator that I was working with was no longer with the company, nobody from the company had picked-up her clients, and according to him she never locked me in at 3.8 %, by now rates had gone up to 4.125 % with 1 point. They assigned a new loan originator, his name is XXXX and I had to start all over again. I told him not to lock me in and that we would just watch the market and after doing all the paperwork again, underwriting kept coming up with more items for me to get, instead of making a list and sending it to me, they would ask for something, wait a few days and ask for something else and wait a few more days and ask for more and more. They seemed like they did not know what they were doing. Finally in XXXX tells me that everything is good and we can close last week of XXXX. I locked in on XX/XX/XXXX at what I thought was 4.125 % with a small out of pocket for me. Turned out he locked me in at 4 % with a little more than XXXX points. At this point I just wanted to get it done, I asked him if we could wait until the first week of XXXX to sign so I could skip the XXXX payment, he said fine. Then after the 1st of the year it started again, a whole of more inquires from underwriting, all the way through to XX/XX/XXXX. The whole process felt like these guys are a bunch of rookies. With what started out as a not cost to me ReFi ended costing me {$18000.00}. I have all the emails going back and forth if you need them.
Consumer complaint received 2017-02-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

My servicer did not generate a XXXX for my loan for 2016. I called for 3 weeks requesting that it be escalated and that I would write in to CFPB but they still have not done it. I have been lied to and bounced around and to add insult to injury - I called yesterday and the rep told me that I HAD TO STAY ON THE PHONE TO GET IT DONE. IF I HUNG UP THAT IT WOULD NOT BE COMPLETED AS HE WILL GO TO THE NEXT CALL. I explained that I stepped out of the office to get the status and could not hold on. I asked that the file be updated to have someone call me as the request was escalated per my request 3 weeks ago. I still have not heard from Ditech and I am unable to do my taxes without it.
Consumer complaint received 2017-03-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

I have disputed items that were previously removed and items I know do not belong. Not once have I receive a written letter. I am not told what information the have been given as proof. I do not believe that a phone call to the collection/open account holder should provide so little as I " we say so '' or a credit statement with nothing in writing such as a signed document. They are taken at their word. I want to see exactly how they have come to this conclusion. Again, I have n't even gotten a letter. Even when they reinsert and item, no letter there either.
Consumer complaint received 2017-04-03
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NC)

I had a Macys credit card which had been closed and I was paying off the balance. In XXXX 2017, my minimum balance was {$63.00} and I paid the entire balance by the due date. As far as I knew the card was paid off. I just happened to notice that I had an email from Macys with a balance due of {$6.00}. When I went back through my statements, I saw that in the XXXX statement ( generated after paying it off ) they charged me a fee of {$2.00}. The interest accrued said {$0.00}, but there were fees of {$2.00} and then they charged the same fee of {$2.00} in XXXX and again in XXXX. Since I do n't get paper bills and no longer use that email address, I was not aware this was even going on. I was not concerned since the account had been paid off. When I called them to inquire, they told me it was interest. I 'm not so sure how you can keep paying interest on something that was paid off, and the interest charge even said {$0.00}. I told them I was n't paying it and to fix the charge and supposedly they have reversed it which I have not yet been able to verify. But I ca n't help but wonder how many other people they have done this to.
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (AR)

On XX/XX/XXXX I opened a new Smartly Checking account with US Bank after clicking through an online promo code for new US Bank customers promising {$500.00} for opening the checking account. Over the course of the next few months, I spent many valuable hours completing each step that was required in order to fulfill the bonus, including 1 ) open an account with a minimum of {$25.00} ( completed XX/XX/XXXX ). 2 ) Enroll in online banking or the US Bank app ( completed XX/XX/XXXX ). 3 ) Direct deposit at least {$6000.00} within 90 days of opening the account : I had my employer direct deposit my paycheck into the account, and the following deposits were made : XX/XX/XXXX : {$2400.00} ; XX/XX/XXXX : {$2200.00} ; XX/XX/XXXX : {$2100.00} ; XX/XX/XXXX : {$2100.00}. This totaled {$8900.00} and was within 60 days of opening the account. 4 ) Make at least 10 debit transactions ; this was completed within the specified time limit. In addition to these steps, all other requirements for obtaining the bonus were completed, and were time consuming. Despite this, over the course of XXXX, I have called US Bank at least 6 times to request that the bonus be filled, most recently on XX/XX/XXXX, and prior to that, XX/XX/XXXX, but also many times in Q2 and Q3 of XXXX. Every time I have called, I have been told that I did fulfill every term of the promotion and the agent has shared that he or she does not know why I did not get the promotional bonus yet. One agent said he has sent an immediate request to the promotions department to fulfill the promotion. After a series of calls throughout XXXX, each time speaking with US Bank customer service agents who do not know how to address the matter and can not understand why I haven't received the bonus yet, finally on XX/XX/XXXX the customer service agent 's supervisor told her that I did not receive the bonus because the promotion was only for " targeted '' customers and I was not targeted. However, I clicked on a US bank promotion through an online ad, which is the very definition of target marketing. Therefore, US Bank is both employing false advertising and engaged in deceptive business practices. Furthermore, the corporate office is creating an unfair situation for customer service agents who have no information as to how to solve customers ' complaints regarding the deceptive new checking account bonus promotion.
Consumer complaint received 2023-12-15
Product: Credit card — General-purpose credit card or charge 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: WELLS FARGO & COMPANY (NJ)

I tried disputing XXXX charges from XXXX XXXX. XXXX is claim number XXXX for {$410.00} and the other is XXXX for {$310.00}. I never receive the merchandise. On Monday, I saw that they charge my card for the amounts. They never emailed me or told me that the dispute was closed. I called and talk to someone on XX/XX/XXXX named XXXX. He told me they provided the tracking number and they were delivered to my address so there is nothing they could do. I still have not receive the merchandise. He told me it was a police problem since the package was stolen. I called again and got the same response. On XX/XX/XXXX, I talked to someone from the XXXX branch. They gave me a case number XXXX. They told me they would look into it. Today, XX/XX/XXXX someone called me from the XXXX team and they can not do anything about it. They never gave me an email or message that the dispute was closed and the proof they got from the merchant.
Consumer complaint received 2023-12-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zions Debt Holdings (AZ)

XX/XX/XXXX I received a text from a company claiming to be Zion Debt Holdings that read XXXX... We purchased your past due XXXX XXXX XXXX. Please call us to discuss and resolve. ~Zions Debt Holdings I called because I used to have the service and knew this was in error because I ended service in XX/XX/XXXX. 
They were telling me XXXX sent it to collections for my last payment and now I owed {$110.00}. I asked for a number to XXXX to resolve because it was wrong. I called but it was a XXXX it support number. 
I called Zion Back and told them they had wrong information because I dont owe anything. They told me they could send my billing history and I had to show that I received a letter from XXXX that it was cancelled because they were stating it was closed for non payment which I knew to be wrong. I search my emails and was able to find all my communication from XXXX that the service was terminated by me. 
They continued to tell me they reported to credit bureau. 
The text came from XXXX
Consumer complaint received 2023-12-15
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Turner Acceptance Corp. (IL)

Account name : 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 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (NY)

im a victim of fraud none of these accounts are on my concern, I am affected with my credit score, I need to fix the as soon as possible according with the law pursuant to section 605B of the fair credit reporting act, and send the required notification to all furnishers of this information.
Consumer complaint received 2023-12-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XX/XX/2023 called and left message saying they are a law firm. When I called they could not provide me a State Bar No. to verified if they were indeed a attorney did indeed ask they to stop all contact of communication, they need to send me information 's to the so called debt, which they have refuse to send XX/XX/2023 again called and left a message saying they are a law firm. When I called back again ask for the State Bar No. to verified if they were indeed a attorney and did not provide me with information. started to harasse me about this debt. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX again the same left message about saying they are a law firm...
Consumer complaint received 2023-12-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (FL)

My loan was with XXXX XXXX. XXXX XXXX sold the student loan to first mark services. XXXX XXXX didn't give me a chance to buy the loan, they just informed me they sold it to someone else and that's where payments will need to go. So firstmark services has been compliant providing me with documents claiming my total due is correct. I suspect they lied because with XXXX XXXX my loan was under XXXX. But it's XXXX XXXX or higher now. I get emails from first mark services daily claiming they have options to help me, that all I have to do is reach out. When I reach out I get told all options are exhausted. I said why email me then.? They said it's a generic email. XX/XX/22i was hit in auto accident leaving me in constant pain and out of work. First mark is aware, they said if you get long term disability let us know .... But they won't give me extra time to pay they have no other options even tho each email claims they have options that can help. It's sad. Frankly I don't think it's right, I didn't cause the accident, I have done all I can to get better. I'm not married... It's been hard to make ends meet. I'm so surprised that there are such few options and what is worse is the fact that I never choose these people as my loan vendors... they just landed in my email one day.
Consumer complaint received 2017-02-10
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Coastal Credit, LLC (NC)

Coastal Credit, LLC out of XXXX, TX contacted my neighbor on her cell phone several months ago and left a message that they were trying to reach me. I called back and it turns out they 're trying to get in touch with a woman who shares the same first and last name as me, who lives on the opposite side of the state. She has a different middle initial and is a decade younger than myself. I know this because he tried confirming I was her by giving me her full name, date of birth and city of residence. 

Today, I get a call from a coworker who says she got a call on her cell phone from Coastal Credit, LLC trying to reach me. I called back and it was the same person from Coastal Credit still trying to get in touch with this other person. He tried confirming I was this other person by giving me the street she lived on. I had enough information between both calls to pull up this other persons address, phone number, prior and scheduled court dates and public voting registration. 

Coastal Credit has been told twice that I 'm not the same person they 're looking for, have no outstanding debt, no account with them and they 've been asked to stop contacting me and my known associates. When I asked how they got my neighbors and coworkers information, the response was, " It 's just what we do. '' I have no idea how my information has been mixed up with this other persons even though we share a first and last name, but on two occasions they have contacted friends and coworkers. If I 'm not mistaken, according to the Fair Debt Collection Practices Act, they ca n't contact 3rd parties trying to collect a debt. They also shared this woman 's information to a 3rd party to the degree that I could walk up and knock on her door if I were inclined to drive across the state.