davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SUNTRUST BANKS, INC. (FL)

On XX/XX/2018 I made a {$87.00} purchase with a Suntrust rewards credit card that was eligible for an activated Suntrust deal for 20 % cash back on a purchase from XXXX XXXX. 
On XX/XX/XXXX I had not received my rewards and I contacted Suntrust to inquire about the status of my rewards. I was told to wait 6-8 weeks for the reward to be deposited. ( I was not told whether the Suntrust deal was earned or not ) On XX/XX/XXXX I contacted Suntrust again with the same issue of not receiving my rewards. I was told an investigation was opening on the issue. I received no further communication from Suntrust. 
On XX/XX/XXXX I contacted Suntrust customer service to inquire about the investigation. After 2 hours speaking with customer service, I was told the results of the investigation were that I had not received the Suntrust deal, despite meeting all the necessary requirements to earn the rewards. I was told that there is a 90 day window to dispute unearned Suntrust deals, starting from the last day of the deal 's eligibility. This information was not readily available when researching Suntrust deals. Multiple customer service representatives were unaware of this 90 window which lead to the 2 hour long call with multiple representative transfers. 
The end result was that I did not receive a Suntrust deal reward that was advertised because the Suntrust deal online banking system did not properly accept my eligibility and the support department failed to properly notify me of the status of my Suntrust deals and the available steps I could take to dispute them.
Consumer complaint received 2019-04-17
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (NY)

My complaint is towards Commenity Bank. I have been working with a debt settlement company and I had notified Commenity Bank of this fact when they first began calling about my delinquent account in XX/XX/XXXX. Today, XX/XX/XXXX between XXXX EST and XXXX EST, Commenity Bank has contacted my mother, my sister, a friend and my ex husband all informing them I have a delinquent account and I need to contact them right away. My sister and friend have never ever been involved in my finances, ever. I verified that the number they were all called from was Commenity Bank. I then called Commenity bank to receive a reason why they have contacted people never associated with my accounts, they stated that all previous mentioned people and phone numbers were listed on my account. I know for a 100 % fact that this is not true. They of course would not reveal how or when these people were listed on the account. I feel there has to be skeezy events happening behind the scenes someplace on Commentity Banks end in order for them to get this information.
Consumer complaint received 2018-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX   which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2021-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Upgrade, Inc. (VA)

On XXXX I transferred funds from a linked bank account and was informed that it would take up to 14 days to clear in an email on XXXX. 
On XX/XX/XXXX I was informed via email that my account was " suspended '' or " restricted '' and to call to discuss things. 
On XX/XX/XXXX I called and was informed that they needed to verify my linked bank account from the XXXX deposit to lift the suspension. This required a " XXXX way call '' with the other bank. I allowed this, but the other bank ( XXXX XXXX XXXX XXXX XXXX ) has security policies that do not allow for 3 way calls like this. I was informed by XXXX that since XXXX XXXX would not do anything else, that my account was still suspended, but should be resolved in a few days. 
On XX/XX/XXXX I called Upgrade because my account is still entirely frozen and was told they needed to call XXXX XXXX again to try to verify a linked account. I allowed it again, but XXXX XXXX again stated their policy regarding not allowing 3 way calls. The supervisor with Upgrade informed me that this was likely enough to lift the suspension within the next 3 business days. When I enquired about the possibility to just close my Upgrade account, I was informed that I could not close the account and get my money from it while it was still under restriction. 
As of XXXX, now more than 1 month since my XXXX deposit my entire account is still locked. This is in addition to the XXXX deposit being locked. For over a month Upgrade has held all of my assets in restriction ( over {$18000.00} ) and has repeatedly not done what they said they would do to allow me to use my account.
Consumer complaint received 2021-06-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I am trying to apply for a mortgage from Bank of America. I have already signed a sales contract and have sent it to my loan agent at Bank of America XXXX XXXX # XXXX XXXX multiple times. However, the loan agent repeatedly claims that she does not have the sales contract, despite both me and my sales agent sending the contract many times. Her incompetence and failure to read the attachments sent to her is resulting in me in danger of losing not just my house but my deposit of {$25000.00}. I believe she is pretending to not have the sales contract and is intentionally lying to me. 

When both my agent and I have sent the same sales contract to her, for her to pretend she does not have said contract and thus denying me a mortgage is not acceptable.
Consumer complaint received 2019-04-18
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LD Holdings Group, LLC (AZ)

the company, " XXXX XXXX '' first contacted me saying that my mortgage loan was transferred to them and that they were a 'loan servicing ' company. I even had occasion to speak to one of their supervisors (? ) early on and she never disclosed that they were a collection agency. They never would ( or could ) tell me why the loan was transferred. [ i had known from the outset that there never was a loan. ] several weeks later I get correspondence from XXXX XXXX, with the verbiage, XXXX XXXX is a debt collection agency. 
I have repeatedly requested they stop contacting and harassing me, but yet they continue with mailing and robotic calls nearly daily. 
I want the CFPB to point me to properly file not a complaint but a claim against XXXX XXXX the XXXX of the monster.
Consumer complaint received 2022-08-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

My loan was one of the loans mandated by CFPB in 2014 to be refinanced or modified by XXXX XXXX in the {$60.00} billion payout to the bank. In 2016, I received a notification from XXXX stating that I have been approved for a loan modification with principal reduction ( New principal {$350000.00} and 3.5 % interest rate ). I was told that the modification was subject to a third party ( Investor ) approval. The third party was XXXXXXXX XXXX  XXXX. However, instead of going through with the modification, I was informed that the loan was being transferred to Select Portfolio Servicing XXXX XXXX ( SPS ). Initially, SPS informed me that they are going to give me exactly what XXXX had proposed to me. However, they never did. Instead they raised the principal balance to {$770000.00} and the interest rate at 6.8 %. They inflated the appraisal by 30 % within one month and engaged the same law firm as their foreclosure company, real estate company and appraisal company. They gave the new principal at {$770000.00} for a property that appraised for {$440000.00} and when I refused to accept their offer, they commenced a foreclosure proceedings. They are colluding with several people in order to take my home through foreclosure. They have two appraisals within one month from {$440000.00} and the second one {$590000.00}. They did not disclosed or copy me the appraisal. They attempted to lured me to do a short sale through their own real estate company and they already had a straw buyer. They are fixated on taking my property by all means necessary. My previous reference number with your agency was XXXX.
Consumer complaint received 2019-04-18
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (LA)

I have been a Lowes Customer for over 15 years and absolutely love their products and services. I am veteran and all veterans love Lowes. I have had a credit card with them for 4 years and have never missed a single payment or have I ever been late on making one. I always pay them off and use the card to cover things around the house or side job material. I had a limit of $ XXXX on my card and have never used more than $ XXXX. Lowes embarrassed a couple weeks as I stood and waited in line with items only to have my card declined. I tried twice and it declined and I couldn't figure out what was going on with it. Anyway, I paid with my bank card and continued on with my day. About 1 week later I received a letter from Lowes Synchrony Bank stating they closed my account. They should of sent the letter to me first before having me try to use the card. It was very rude the way they went about this and embarrassing. The reason Lowes stated why my account was closed was because I have personal credit cards that I fell behind on. After being injured and down from work for over 9 months. I have got 4 months behind on these person cards but never my Lowes or XXXX XXXX cards. I am currently getting these accounts paid back, now that I am able to work and walk again. I started an electric company and I only shop at Lowes and this issue alone could cost Lowes a loyal customer for life. I want to continue a relationship with Lowes but I'm second guessing that after these circumstances. Just on how the company went about things in such an unprofessional and uncourteous way to a loyal card holder and customer. If I missed a payment or was late or anything like this I could understand but I never was. It's based on other cards from different creditors not loyalty or any other factors. If Lowes will reopen and continue to allow me to use the card I will never miss a payment. And if I do they can close my account no questions asked.
Consumer complaint received 2023-10-22
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (AL)

On XXXX XXXX, I tried to make a payment on XXXX for {$1900.00}, which is less than what was on the card at the time. When I did it said that the payment was declined by the issuing bank. I then called Amex support and was told that it was the fault of the vendor, I went back to the vendor and they said it was once again the issuing bank aka Amex. Amex said that they had declined it for my safety and couldn't authorize it. I attached an image of the declined payment. I also tried much smaller amounts and that didn't work either, On XX/XX/2023 I tried to purchase a product from XXXX for {$280.00} and it was also declined by the issuing bank, I tried to get XXXX to re-try but it wouldn't go through. I called Amex and they told me the same thing, that the issue was with the vendor, XXXX reassured me that it wasn't their fault. I attached an image of the declined payment. 

On XX/XX/2023 I tried to a make a purchase on XXXX for {$930.00}, which again is less than the amount on the card and it was declined by the issuing bank, as confirmed by XXXX XXXX. I called Amex and they said it was the vendor 's issue, but the vendor had confirmed that it wasn't. I attached a photo of the failed payment.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-04-18
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mr. Cooper Group Inc. (AZ)

the company, " Mr. Cooper '' first contacted me saying that my mortgage loan was transferred to them and that they were a 'loan servicing ' company. I even had occasion to speak to one of their supervisors (? ) early on and she never disclosed that they were a collection agency. They never would ( or could ) tell me why the loan was transferred. [ i had known from the outset that there never was a loan. ] several weeks later I get correspondence from Mr. Cooper, with the verbiage, Mr. Cooper is a debt collection agency. 
I have repeatedly requested they stop contacting and harassing me, but yet they continue with mailing and robotic calls nearly daily. 
I want the CFPB to point me to properly file not a complaint but a claim against XXXX XXXX the CEO of the  monster.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Wanted to check my credit score ( on XX/XX/2019 ) and I called my bank which referred me to TransUnion or XXXX. Went to the TransUnion website and did the credit score thing as a trial. Got charged {$19.00} without knowing since it was very unclear and written in fine print. A charge for something should never be in fine print. I tried to call but wait times are extremely long, I went to the website to cancel but could not find any information on it and I am very tech savvy and have never had issues finding such information on any other website. Ever. I had to look it up on XXXX and was provided a link from an answer on a different website from others having the same issue. Tried logging in and it's still loading from before I even started looking how to report this terrible and difficult treatment. 

I do not have this money to spare at the moment and a friend did the same thing with me and is in the same situation.
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (VA)

We have a XXXX American Express XXXX and pay an annual fee of {$250.00} Included in that fee, as described in the perks is an annual companion ticket. 

Companion Certificate Receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. * *Payment of the government imposed taxes and fees of no more than {$80.00} for roundtrip domestic flights ( for itineraries with up to four flight segments ) is required. Baggage charges and other restrictions apply. See terms and conditions for details. 

We have tried to use that ticket for a trip to XXXX, XXXX and were told it could not be used for a trip to XXXX, XXXX. There are no such exceptions listed. 
We have talked to Amex who said XXXX was in charge of thatwe spoke with XXXX and they said, Thats not eligible for the companion ticket - no explanation given or rule cited.
Consumer complaint received 2019-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF THE WEST (CA)

Bank of the West has been double charging for my use of a debit card to withdraw from a NON BOW ATM during the month of XX/XX/XXXX. I understand that I may be charged by a fee for withdrawal of cash from the non bank atm by the owner of the atm and also I understand that Bank of the West will charge {$2.00} for using a NON BOW ATM. What I do not understand is that Bank of the West has charged for balance inquiries on top of the withdrawal service charge in effect doubling the cost per transaction to {$5.00}. I have no need to use a NON BOW ATM for balance inquiries as I have a BOW telephone app that provides access to my account for free. Also Bank of the West does not list any of the alleged balance inquiries on my statement but merely stated a Service charge fee that is double what it should have been. My XX/XX/XXXX statement shows 11 withdrawals from a Non bank Atm. Therefore the Service charge should have been a total of {$27.00} and not {$55.00}. The bank responded by stating that the addition fees where for balance inquiries providing me a list of dates that inquiries were made twice. They have not provided me more detailed information as to the times that such inquiries were made or if they were made at the same time as the withdrawals. Furthermore I see that balance inquires on four occasions were made twice on days that money was not withdrawn from the Non bank Atm. The bank has so far declined to credit bank to my account for the {$27.00} overcharge.
Consumer complaint received 2020-12-23
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. (FL)

Hello, I very destressed that I found in my report items / inquiries that are not mine. The listed inquiries are inaccurate and I do not recognize none of them. Please delete it as soon as possible as its influencing my credit report. I have never signed any agreements contracts with these companies. Its a pure identity theft someone used my personal information. Please take appropriate actions asap.
Consumer complaint received 2024-02-14
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (NC)

I received rent assistance from XXXX for XXXX XXXX- XX/XX/XXXX. I also received a grant in XX/XX/XXXX. My grant should have not applied until XX/XX/XXXX & also covered XX/XX/XXXX. Leaving a XXXX $ balance. There is no other way to make calculations. I have letters and proof of checks. I also have emails of repeatedly having to show proof of rent when I lived at XXXX XXXX XXXX.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I contacted your CEO at XXXX on XX/XX/XXXX at XXXX CST about a pay for delete. My email was read 5 minutes after sending it and a total of 9 time since that day. I simply asked for a pay for delete to satisfy my debt owed. I received a letter dated XX/XX/XXXX saying that XXXX has taken over my account. I feel like this is a COMPLETE slap in the face and you guys did not even give me an opportunity to make this right even after reaching out in good faith. Since my email was read why didn't I get a response? I have personally read responses from you guys about other consumers pay for deletes and removals of late payments. Why didn't I get the same treatment? Now you guys have sold my account and that will be added to my credit file which is going to affect my credit score even more. 

I even sent a certified letter to you guys on or about XX/XX/XXXX and the response I get is a pure slap in the face.
Consumer complaint received 2019-04-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (UT)

I leased a vehicle on XX/XX/XXXX which was financed through US Bank. The payments, as agreed upon, and stated in the lease agreement is {$400.00} per month. The monthly tax that is incorporated into that fee is {$26.00}, as also stated on the lease agreement. Today, XX/XX/XXXX I received a mailed letter notice from US Bank that effective XX/XX/XXXX the monthly payment of my loan will be increasing to {$410.00} due to an increase in taxes. 

After receiving this notice I have discovered that US Bank has been charging {$27.00} per month for tax, despite the lease agreement being {$26.00}. 

I reviewed the terms of my lease and there is nothing stated that provides permission to US Bank to change the monthly payment terms in any form. It may be a trivial amount of money, but the principal US Bank NOT adhering to an agreed upon contract is highly unethical and disturbing.