davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (AZ)

This is for the " bank '' Simple. they can be found at simple.com or on their mobile app. 

these message are only visible in the simple mobile app. it is locked down with DRM protection and i can't take screenshots. 

XX/XX/XXXX XXXX mail returned message message and locking of account with no warning XX/XX/XXXX XXXX note to bank requesting unblock of account since i am traveling and can't meet their ID demands of a selfie at my new home. 

XX/XX/XXXX XXXX bank refuses to acknowledge request and asks me to meet their demands XX/XX/XXXX XXXX note to bank asking how i can close my account XX/XX/XXXX XXXX bank states i can move money and transfer money out of the account and they will initiate the account closure XX/XX/XXXX XXXX note to bank requesting if i can move/transfer money while the account is blocked XX/XX/XXXX XXXX bank states " you can move funds via any tethered third party that is using your account and routing numbers! '' XX/XX/XXXX XXXX card returned message XX/XX/XXXX XXXX direct deposit missing XX/XX/XXXX XXXX bank claims the account is locked and the direct deposit will be returned to my employer XX/XX/XXXX XXXX thank you note from me to the bank XX/XX/XXXX XXXX acknowledgement from the bank XX/XX/XXXX XXXX note to bank asking why my transfer to a linked account was blocked, after they stated that I could move the money XX/XX/XXXX XXXX bank states i need to meet their demands for identification at my new address without acknowledging that the transfer was blocked despite their statement about being able to move money. 

XX/XX/XXXX XXXX note to bank asking them to read my message about traveling and being unable to meet their demands XX/XX/XXXX XXXX bank continues to ask that i meet their demands that that is the only way to resolve the issues. 

XX/XX/XXXX XXXX note to bank asking why they also blocked an external transfer via account/routing number was blocked. 

XX/XX/XXXX XXXX bank states that i have met their demands and my account is no longer blocked. Does not acknowledge the rejected transfer i asked about.
Consumer complaint received 2019-09-25
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (CA)

Purchases from XXXX should have bee paid in full long ago based upon all purchases made with flex pay ( incurring 0 interest if paid as agreed ) ; all payments made on time as agreed, XXXX indicates balance as being {$920.00} and interest rate 29.24 % without adequate explanation despite my letters and phone calls requesting an audit and/or investigation and detailed information explaining how my balance reach such an amount. An XXXX employee revealed to me that I was not given credit for a laptop she stated had been received by XXXX on return. Please help this frustrated Senior Citizen. 

ERROR : mention of QVC in attachment letter is a typographical error.
Consumer complaint received 2019-09-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (WV)

I noticed on Monday XX/XX/XXXX hat some payments came out and were going to cause my account to overdraft so I made a deposit to cover the amount and leave extra in the account. After the deposit, other items came in the after noon but there still was enough money to cover all the items. When I woke the next day ( Tuesday XX/XX/XXXX ) I checked my account and it showed all items cleared and a positive balance remaining. However, when I went to put gas in my car to go to work my card was declined. I checked my account and had been charged 6 overdraft fees. I called the bank and they said that the deductions had cleared before the deposit, even though all items were shown clearing on the same day. I asked when some of the items were presented to the account and though they admitted they had been presented after the deposit they could not explain why I had received the fees yet still refused to refund them. Pending deductions are immediately taken from the balance of the account but it seems as though the bank doesn't credit deposits in order to cause overdrafts and charge fees. After 6 overdraft fees ( totaling {$210.00} ) my account is overdrawn {$140.00}. When asking for an explanation, all they could tell me was " that is how the system processes ''. If a bank is going to deduct charges from an account immediately they should credit deposits as well, or only fully deduct once things " post ''. It seems predatory to take money immediately but constantly hold deposits.
Consumer complaint received 2019-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NC)

Citibank hold the funds received through a refund from the merchant starting XX/XX/XXXX until XX/XX/2019. 

It was refunded only when I called-in to get it refunded back to me. 

The amount was {$70.00}. 
Credit Card # XXXX The bank is following malpractices and unethical and is trying to usurp the customer 's money.
Consumer complaint received 2019-09-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have told Portfolio Recovery when they first called my work months ago I can not take personal calls at work. They have started to call my work again, they are leaving messages with my co-workers that know I can not take calls at work. 
The last 24 hour call log- XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX
Consumer complaint received 2019-09-25
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

On XX/XX/2019, XXXX alerted me to a new hard inquiry from XXXX on my Equifax report. This hard inquiry was unauthorized/fraudulent as I have never been a XXXX customer, nor have I ever contacted XXXX to inquire about their services or otherwise provide my personal information. 

On XX/XX/2019, I contacted XXXX to notify them of this fraudulent activity, verify that no unauthorized account had been opened under my name, and request that the hard inquiry be removed. I received email confirmation that XXXX would be contacting the credit reporting agency to ensure the hard inquiry would no longer appear on my report within thirty days. 

On XX/XX/2019, I submitted an Identity Theft Report to the Federal Trade Commission, which included the fraudulent XXXX hard inquiry. 

When I did not see that the hard inquiry had been removed after the thirty day window, I submitted a dispute directly with Equifax. On XX/XX/2019, Equifax ruled that the hard inquiry was valid and would remain on my report, despite me explaining that the inquiry was unauthorized and providing copy of XXXX 's email in my dispute documentation. 

On XX/XX/2019, I contacted XXXX again. The customer service agent told me that my first complaint had not been handled properly on their end, and had been closed prematurely. Again, XXXX sent email confirmation that they would be contacting the credit reporting agency to ensure the hard inquiry would no longer appear on my report within thirty days. 

This second thirty day window has passed, and the fraudulent XXXX hard inquiry remains on my Equifax report.
Consumer complaint received 2018-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

My complaint is against XXXX XXXX. I have been provided repeated false information regarding the terms of my loan. I have attempted to hold their supervisors and customer services representatives accountable to stand by the information they are providing me as being factual and on four separate occasions I have been told conflicting and false information. I have perused the matter with the the XXXX XXXX ombudsmen to only be offered an apology. I have contacted the Department of Education and have a case pending. I need to take legal action to hold them accountable to the information they provide me as it involves years of repayment terms and tens of thousands of dollars. I have a paper trail, employee ID 's and records of all conversation in which I was given false information, and told I would receive documentation on company letter head describing the facts they were providing me. It never happened. It is completely unacceptable and I need to hold them accountable to the information I was provided.
Consumer complaint received 2023-01-31
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (OH)

Ive had several phone calls from a debt collection company ( NCA ) stated that money was owed to them due to XXXX XXXX XXXX giving a me a loan on XXXX XXXX.I never applied for a loan in-person or online! XXXX never gave me a loan! .This is FRAUD!!
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

-XX/XX/2019 XXXX XXXX XXXX reported {$1600.00} past due as of XX/XX/2019 to all 3 credit bureaus -Called XXXX XXXX on XX/XX/2019 to fix this problem because my account is up to date with payments. 
-XXXX told me that there bankruptcy department can only speak to me. 
-Called on XX/XX/XXXX several times XXXX and was not able to get anyone to help me. 
-Mortgage account is in a open bankruptcy
Consumer complaint received 2019-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synergetic Communication Inc (NY)

this account was opened online by someone else I only had two account for this bank and I owed then money so how can I open and new account with owing them money someone stole my identity because im a victim of identity thief I had account before 2019 not in 2019  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXwith this bank this account wasn not opened in person it was opened online and they lied and said it was opened in the branch and a manager told me someone did it online
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

-XX/XX/2019 XXXX XXXX XXXX reported {$1600.00} past due as of XX/XX/2019 to all 3 credit bureaus -Called XXXX XXXX on XX/XX/2019 to fix this problem because my account is up to date with payments. 
-XXXX told me that there bankruptcy department can only speak to me. 
-Called on XX/XX/XXXX several times XXXX and was not able to get anyone to help me. 
-Mortgage account is in a open bankruptcy
Consumer complaint received 2019-09-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IA)

On XX/XX/XXXX I spoke with a mortgage banker with Rocket Mortgage/Quicken Loans regarding the purchase agreement I had on a new home. Per his request, I provided address and seller concession 's information, which included a {$3000.00} credit to be provided by the seller at closing to use towards the purchase of a fence. I also provided the actual signed purchase agreement to him via email that day. THIRTY days later, I received a task advising me that I need to provide them with an updated addendum removing the {$3000.00} credit for the fence. When I asked, I was advised that Quicken Loans policy only allows funds at closing to be used towards closing costs or prepaids. This information was not provided to me by the mortgage banker during our text conversation on XX/XX/XXXX, or at any other point in the process until XX/XX/XXXX when a task was provided with no context or information. This information should have been disclosed to me prior to me agreeing to move forward with this company - had I known, I wouldn't have agreed to move my application past the preapproval stage. I have asked Rocket Mortgage/Quicken Loans to correct THEIR mistake - as Underwriting had the purchase agreement for 30 days, as well as received updates to the purchase agreement TWICE before they realized there was something against their policy included. At this point, it is too late for me to use a different mortgage company, as my closing is scheduled within 30 days. RM/QL is telling me that they will not grant an exception when they are the ones that have caused the issue. I have also discovered that I was not provided all options regarding Rate Locking. The lack of information and disclosures provided to me, which has caused me to not have all information needed to make an informed decision is a clear Fair Lending and UDAAP violation. 

RM/QL escalated me, and my escalated contact - XXXX - can not even explain to me what they are attempting to do other than tell me they won't grant an exception and they are working with some people I've never even heard of to try and work it out and advised my processor - who hasn't responded to any questions sent today, XX/XX/XXXX, and who hasn't been able to answer any question I've posed before now, will be able to contact me and explain what is being worked on to figure this out. But he did state that they are unwilling to grant an exception and fix the issue, and so because of lack of information provided to me up front I am going to experience financial harm because they feel the need to be greedy and only allow seller credits that directly pad their own pockets.
Consumer complaint received 2019-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/2019 I ordered a credit card from Capital One on or about XX/XX/2019. At the time I ordered the card I informed the customer service agent that I receive my Social Security check on the XXXX Wednesday of the month and I need to receive a hard copy of their bill prior to that date so that I may make a timely payment. I specifically requested a change of my billing date so that I would not receive late charges. I was informed that the change would be made within the next one or two billing cycles. Since that time the change was not made and I made six additional calls ( once a month ) trying to confirm the change was made. Each time the rep initiated a new order to make the change because it was not made. On the last two occasions I spoke to the customer service supervisor who affirmed the change was made. The last occasion was today when I spoke with XXXX # XXXX. She indicated there was no record on my account of any changes were ever ordered. That was surprising because the previous Supervisor who identified himself as XXXX had personally promised me that the change would be made. In the meantime, I have been paying a substantial amount on my bill right when I get my direct deposit at the end of each month. Even so, I am being charged a {$30.00} late fee for the last two months because their payment date has not been changed. Their response despite their neglect and indifference to my request is to say pay on your bill prior to the late date. Capital One policies are so inflexible that they refuse to waive more than one late charge regardless of when I receive my funds or their culpability. Capital one also does not have any method for filing a complaint about their methods. Capital One clearly discriminates against the elderly and fixed income people similarly placed as myself. I believe Capital One has treated me unfairly and lied to me multiple times about changing my due date. I request your organization investigate the matter and order Capital One to accept responsibility for their misconduct, refund my unwarranted late fees, and change their policies to account for the special circumstances of elderly and fixed income people. This company lies to its customers, does not document their actions, and is indifferent to the complaints of its customers. It should not be allowed to operate in such a manner. 
XXXX XXXX XXXX XXXX XXXX XXXX Capital One credit card number XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PNC Bank N.A. (TX)

1. I travelled and honestly forgot to pay my PNC BANK FLEX credit card for over 30days and i was reported to the credit bureau which has continually negatively impacted my credit despite the fact that i have since paid off the card and i have consistently paid off all balances until then and afterwards. 
I wrote to the bank but they insisted there was nothing that could be done. 
i am passionately appealing for the removal of this reporting on my credit so as to boost my credit. 

2.I moved from XXXX to XXXX and it took a while for me to return the equipment to XXXX because of the out of state credit they promised. I eventually paid off what i owed them but they had reported me,. I filed a dispute with the credit union and i would like that report taken off my credit report.
Consumer complaint received 2019-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NC)

The following information listed below is from the Navient website pertaining to my account states that I have two loans for a XXXX UNIVERSITY XXXX, I never attended this school in my life. 

I would like full disclosure of all pertinent information relating to this school including Promissory Notes supposedly signed by me. 

XXXX Stafford - Subsidized School XXXX UNIVERSITY XXXX Loan Status Repayment Estimated Payoff Date XX/XX/XXXX {$2400.00} 4.660 % XX/XX/2019 Hide more informationXX/XX/XXXX Stafford -  Unsubsidized School XXXX UNIVERSITY XXXX Loan Status Repayment Estimated Payoff Date XX/XX/XXXX {$3300.00} 4.660 % XX/XX/2019
Consumer complaint received 2019-09-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TN)

My Loan, XXXX, was transferred to Rushmore Management in XXXX from XXXX XXXX XXXX. The loan had been transferred to XXXX from XXXX XXXX Loans. We entered a modification in XX/XX/XXXX that provided for a permanent 5 % APR, and a payment below {$650.00}. The subsequent billers continued to escalate the payment under the guise that escrow estimates were short. However, my local property taxes have not increased. On XX/XX/XXXX, the current biller, Rushmore, more than doubled the APR to 11.27 %, and increased the minimum payment to over {$1200.00}. The biller has refused to address the XXXX modification agreement. We have also submitted documents for a new modification that Rushmore claims was not received. In the interim, we requested a deferment, or reage as the current payment is not feasible for us, or in keeping with the decreased value of the property. The original loan holder, XXXX XXXX, grossly overstated the value to collect extremely high closing costs. I have resubmitted the hardship application again, on XX/XX/XXXX, I am asking the current biller to adhere to the XXXX agreement, restore the 5 % APR, and adjust the minimum payment accordingly by reducing the balance, extending the term, or another option available. Requests for extensions were submitted by the company 's phone agents in XXXX, XXXX, and XXXX, with no response. Based on our previous inquiries, We also expect any delinquency to be removed along with any negative reporting to the consumer credit reporting agencies.
Consumer complaint received 2023-01-31
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. (TX)

On XX/XX/2022, I wrote to you requesting an investigation into items that I believe were INACCURATE AND UNVERIFIED. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my ( SECOND ) request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have no complied with my request. I regret that I am being forced to take such action.
Consumer complaint received 2022-03-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (DE)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX. They placed my financing with Bridgecrest financial one of their lenders inside the XXXX umberella. The vehicle they sold me had safety issues and failed inspection. XXXX kept saying they would fix it and never reached back out to me. Finally in XXXX after not hearing anything and getting no resolutions I traded the vehicle in at a local dealership in XXXX. The vehicle was paid off via check on XX/XX/XXXX and has not sent the dealership the title or myself any information showing the lien has been satisified. They have only ignored me and made me feel like I was in the wrong for buying a car and financing from them. I need the title to be sent to the dealer and proof that I paid off the vehicle.
Consumer complaint received 2019-04-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (NY)

I recently pulled my credit report on XXXX and I found this account in collection. The creditor has not verified the debts. I'm going to write a letter demanding to see the verification of the debt but I wanted to seek your help as well. 

Account Name : Diversified Consultant Open Date : XX/XX/2017 Balance : {$160.00}
Consumer complaint received 2019-04-01
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery reported on both my credit reports XXXX and XXXX 2 days ago, a debt from XXXX XXXX XXXX  XXXX for ( {$910.00} ), that was never established as being mine! For the past almost 2 years I have been asking them for proof with original signed documents and not copies and they have not been able to provide me with that. Instead all they send me are credit card statements without my original signature which as you know is required by law. Furthermore, I HAVE A LETTER FROM THEM dated XX/XX/2019 from XXXX XXXX  XXXX ( XXXX ) that specifically states that this debt was discovered not to be mine! Also, In that letter it is stated in clear bold red that the statute of limitations for collecting this debt has expired!. I have had many phone calls with their representatives and have recorded all of them! This is now harassment and has impacted my credit standing. Please help me with this.