davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-02
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had my transfer account to my sons account blocked and cant unblock it. After 7 months the Capital one Bank blocked me from moving money from my account to my sons ( unknown to me ) I had to be on his account. I attempted to make a transfer after I got on his account and still cant do it. I understand the way this works, So I call capital one bank to rectify this issue. I called two times today and no one seems to know what is going on. I called two times and waited once 11 minutes and the other time 8 minutes .. Please help me
Consumer complaint received 2015-07-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

I am on escrow on the sale of my property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. We can not close escrow because the lender is not sending a payoff demandI called on XXXX and requested a payoff demand over the phone as their system said that it 's faster than requesting it over website system, at that time I was told it will be ready in no more than 3 days. I called again on XXXX and was told it should be ready any moment,. Close of escrow was scheduled for XXXX, I called again around XXXX and at that time I was told that the payoff demands take 7 to 10 days. I had no record that I called it in, therefore, I went on the website and made a request again so it would be documented, I called again today, to my dismay I was told that because I re requested the payoff on XXXX I had slowed down the process. 
I do n't know what else to do to receive this payoff, I am failing to close escrow as scheduled, the buyers are losing their lock and I was told you can help. 
Please let me know what else I can do to get a resolution to this situationsincerely, XXXX XXXX ( XXXX XXXX XXXX
Consumer complaint received 2016-06-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I 've owned my home since XXXX. In XXXX I refinanced my mortgage with XXXX with a loan for {$500000.00}. This was an interest only loan with a fixed interest rate. It went along fine until OCWEN took over servicing in XXXX XXXX. I had been paying my monthly mortgage of {$3200.00} since the beginning of XXXX. The interest due on my loan was {$2800.00} per month. That left XXXX for my escrow. It turns out that I was underpaying my escrow by about XXXX but I did not know this at the time. As I said I had paid that every month during XXXX and there was never any complaint from Litton. But the very first month after OCWEN took over there was a problem. This was XXXX XXXX payment which I made on XXXX XXXX, XXXX. Rather than pay the interest due and put the remainder into escrow ( which is what the deed of trust says to do - first pay interest then pay escrow ) they paid the escrow first. They took out {$410.00} out of my payment to pay the escrow and then they paid the remainder toward the interest XXXX {$2800.00} ). However, that meant I had not fully paid the interest due on the loan. OCWEN realized that they were not paid the full amount of interest and on XXXX XXXX, XXXX they sought to fix the error. What they did was illegal and had caused nothing but problems ever since. OCWEN lent me {$38.00} without my permission and without authority in the loan documents. Initially I borrowed {$500000.00}. Effective XXXX/XXXX/XXXX my principal loan balance was {$500000.00}! Oddly the amount that was off was actually {$39.00} was what I was short so I have no idea why they did {$38.00}. After that it just got worse. Every month when I made my {$3200.00} monthly payment OCWEN would put it into suspense and not apply it. I understand that I was paying about {$39.00} too little but I did not know that and Litton had allowed it the entire year. Also please note that I always got money back annually from my escrow. This holding my payments in escrow went on for month after month generating fees after fees until a bank rep reached my wife and told her we were behind XXXX payments so she immediately sent in the money that was asked for. What happened with that is that OCWEN took the short fall out of that payment and paid the rest towards principal so that the following month I was back to being put in suspense. By XXXX I had figured out I needed to send in more for the escrow and from that time till now I have been paying the exact correct amount. Yet they still charge me late charges and other fees every month. I hired a lawyer who reviewed the payment history and explained to me how it is that I make every single payment on time and yet I am going into foreclosure. Can you help me? I am willing to pay them all the money they want but I do n't want to pay all the fees. This started by them making a mistake! Can you help me? Can you call my lawyer? XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-29
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XXXX/XXXX/XXXX we received our USAA credit card statement in the mail and discovered a charge for {$590.00} from an XXXX store in XXXX XXXX. They live XXXX miles away from XXXX XXXX and they have a XXXX XXXX XXXX blocks away from their home so they would never travel that far. They immediately called USAA and informed them of the fraud charge. They were informed to contact the XXXX XXXX and work it out with them. That situation ended up getting resolved and they received reimbursement from USAA for {$590.00}. 
There have been many many times that client has tried to make a purchase and they were declined and they had to actually call in and speak with them to let them know it was them so they can allow the charge to go through. 
On XXXX/XXXX/XXXX there was a charge for {$580.00} with XXXX XXXX XXXX that they found on their credit card statement they received towards the end of XXXX XXXX. They immediately contacted USAA and they told the representative that the charge was fraudulent and they were told they need to contact the XXXX XXXX XXXX to dispute the charge. They contacted the XXXX by phone and they insisted that client made the reservation and they emailed client the guest folio. It shows client 's name and the price and it shows the reservation was made from XXXX out of XXXX, XXXX. However the USAA representative advised client the charge was made over the phone. We were never really given a straight answer when we asked for evidence surrounding this fraudulent transaction. We have been a long time customer with USAA going back as far as XXXX.
Consumer complaint received 2016-02-08
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (VA)

I financed a mobilehome approximately in XXXX. My first wife left me, and took a large amount of money from my bank account. I was unable to continue paying on the MH. It was repossessed, and I thought it was all settled. Just a week ago XXXX XXXX XXXX XXXX, I received a XXXX for the cancellation of this debt, which by the way is far beyond the ( 6 years ) statute of limitations in Virginia. It would seem to me that Ditech, who must taken over Greentree Lending, should have legally filed a XXXX after the 6 years, which would have been approximately in XXXX. But they did not. They seemed to have waited 12 additional years. In XXXX I was insolvent, and I would have been unable to repay the debt, and a XXXX would not have been so intimidating. However, now it is. I would like to know why they waited over 12 years to send me a XXXX? I 'm sure the XXXX would like to know as well.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

While I was away at college my car was broken into on campus, all of my personal information i.e. bank statements, tax records and bank statements were stolen. I filed a report with the campus police and administration and I was advised to a police report and with the FTC. I also contacted the creditors and credit agencies, with no response as of yet. The following accounts are reporting to my credit report in error. 

XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2023-03-22
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

Found out in XX/XX/2023 that my auto policy was renewing in XX/XX/2023 with and went from {$760.00} to {$980.00} for a 6 month policy. I spoke with 2 reps and was told that if I enrolled in the safe pilot program, I would get at least a 10 % participation discount as well as up to a 30 % discount. 

I called back when the policy renewed because I received no discount as promised by two representatives. I downloaded the app and had it monitor all driving habits 24 hrs a day for 2.5 months. 

I was then told that I had to now wait until the next policy renewal in XXXX because I was supposed to be enrolled in before XX/XX/XXXX for it to be effective for this term. I was told that I shouldve at least received the 10 % participation discount but they had no idea how to apply it. A supervisor of USAA transferred me to XXXX XXXX XXXX  of the USAA advocacy team on XX/XX/2023. 

Our initial conversation on XX/XX/XXXX went well but our follow up conversation today ; did not go well. XXXX accused me of lying about eve downloading and using the SafePilot app in the past and kept loudly saying that her decision is final. On multiple occasions, I requested to speak with someone else and informed her that her tone and mannerism were both unprofessional and unwarranted, but there was no change. 

Im told that the calls are recorded so it should be easy to hear the entire conversation. 

Ive been with USAA for 19 years which is my entire military career and use them for car insurance, life insurance and home owners insurance and demand respect, professionalism and honesty. If I was promised a discount by 2 employees on separate recorded calls ; then that discount should be honored.
Consumer complaint received 2023-03-22
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: Experian Information Solutions Inc. (TX)

I am demanding that the credit reporting agencies stop reporting this account for inaccuracy. XXXX XXXX is a paid account, and I had an agreement with the creditor to remove the account once it was paid. Also, the date last active is not consistent between all 3 bureaus, the date last updated is inconsistent, the balance reported is not consistent with the paperwork that I have from XXXX XXXX, and the payment history is inconsistent. There are also different account numbers being reported for the same account how is this possible? The account numbers reported XXXX, XXXX and XXXX. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my account.
Consumer complaint received 2021-06-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), clearly states that a failure to investigate these items for 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the inconvenience and stress you caused me. My information was also impacted by the Equifax Data Breach and may have got to the hands of the wrong person.
Consumer complaint received 2016-03-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: STONEGATE MORTGAGE CORPORATION (KS)

In XXXX XXXX we filed for a loan modification with Stonegate Mortgage due to a loss of job. We were simply asking for the removal of PMI, due to being over XXXX % LTV. We have had over 30 conversations with the company since we filed this, and get different answers almost every time. We were originally told the process would take 30 days, this drug in XX/XX/XXXX and were we given several conflicting reasons why. 

On XXXX/XXXX/XXXX, we were denied the modification due to " being current on our loan. '' This is an issue, because we are currently in Chapter XXXX and this same mortgage company threatened to file for foreclosure if we did not make a payment on the XXXX of every month, so we had to stay current. The HARP/HAMP regulations also state being current is not a dis qualifier. 

We were told we could file an appeal, which is basically an email to the person who denied us. We have tried to reach out numerous times regarding the appeal and the company keeps saying they are looking at it. They said they can not provide us any further information. This process has now drug on for almost 6 months, without any resolution.
Consumer complaint received 2015-03-21
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (NJ)

XXXX offered a {$100.00} gift card when applying for aDiscoverXXXX Card. I clicked on the link, applied and compliedwith the requirements. The requirement was to make XXXXpurchase with the card within 3 months. It did not say thatthe purchase had to be with XXXX. After a few months, Icontacted the bank, and they said they knew nothing of theoffer. I contacted them again and the management saidI did not apply for the right card. XXXX denied anyknowledge of the offer, although it was on their website. 
I would not have applied for the card, but for the offer.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

This is just getting old at this point. Experian is once again reporting improper information on my credit report that continues to drag my credit down but has yet to report credit payments made consistently on a {$22000.00} car that is {$9000.00} away from being paid off. They also still have not added that I have credit with XXXX XXXX XXXX and have paid off hundreds of dollars worth of equipment. But, once again they've managed to make another inaccurate claim that I owe XXXX XXXX over {$1000.00}. THIS IS NOT TRUE and I have the paperwork to prove all of it. This collection activity was handled via XXXX who was the holder of the debt. This should have never made it to my credit report at all as a SETTLEMENT WAS ACHIEVED!!!!
Consumer complaint received 2016-10-07
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Over the past several months I have requested validation on multiple occasions for a debt that is listed on my credit report. I have been asking for evidence that bears my signature that shows I have a contractual obligation to pay Capital One. I have not received anything that I have requested and it is still listed on my credit report from all XXXX of the Credit Reporting Agencies.
Consumer complaint received 2016-06-05
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In 2013, I had a XXXX Credit card with Capital One Bank on which I defaulted. Their collection efforts were unethical as they harassed and intimidated me to settle the account in full. I felt harmed by the stress and intimidation they caused me.
Consumer complaint received 2019-02-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc. (CA)

A couple of years ago I was forced to request a couple of refunds, as I couldn't load the cards onto my prepaid card. I never received the refunds. My money was simply stolen.
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

Synchrony Bank closed EVERY single account i had with them 10 - 12 accounts. Synchrony stated i was a high credit risk even though I have perfect credit with them. as a matter of fact synchrony owed me money. My credit and score are perfect. The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. THIS LAW HAS BEEN BROKEN. Synchrony had no right to close my accounts. THEY CLOSED EVERY ACCOUNT NOT JUST ONE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ohio XXXX SS # XXXX XXXX XXXX XXXX XX/XX/1967 I tried to apply for new cards with synchrony but they automatic decline. I have received 3 different reasons why they closed my accounts. I am allowed no cards with Synchrony. This CLEARLY CREDIT DISCRIMINATION AND AGAINST THE LAW. this is a violation of FCRA. Synchrony refuses to answer the question why.

***************PLEASE READ CLOSELY ************************The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
Consumer complaint received 2016-05-31
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I went through a credit consolidation company to reduce my debts, the program was to be be completed XX/XX/XXXX. Instead of closing my account with Capitol One, Capitol one took the payments that were issued to the agreed account, after it had a XXXX balance and applied them to my other card. The card that had payments placed to it was not in the consolidation and caused my account with the consolidation company to remain open, where I incurred service fees monthly. At no time was there any arrangement to pay on any other account, only the 1 that was listed in the consolidation contract. I feel strongly that this was a breech of contract with Cap.One and highly illegal. At no time did I approve my payments to go to any other account. The accounts, including one in my wifes name, were receiving payments. The consolidation loan was only in my name, so not only did Cap. One make payments that were directed to accounts not in the consolidation agreement they applied money to an account that was n't in my name. I have contacted cap one and their response was it is in their practice to take over payments and apply them to other cards. ABSOLUTELY NOT! That can not be legal. A consolidation company works with the debtors to drop interest and reduce the payments, the open accounts had not been included in this. Had this account been paid off my consolidation payments would have finished XX/XX/XXXX for all the companies in my debt consolidation. being that it was not, I had several months where my payments were being divided between Cap one and a separate debt. So not only did I pay out XXXX months of unnecessary service fees it lengthened my pay off to the other account.
Consumer complaint received 2015-08-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: COLLECTIONS USA, INC. (AZ)

I recently began to check my credit reports when I discovered a XXXX collections accounts from Collections USA alleging that I owe {$2600.00} and {$790.00} for what appears to be from an apartment complex. I disputed the debt and Collections USA verified XXXX illegitimate account through the credit bureau. The account for {$790.00} was deleted. On XXXX XXXX, 2015 I submitted a validation request in accordance to all applicable federal and state laws. Collections USA has not responded to my validation request and has not removed this trade line from my credit as requested.
Consumer complaint received 2016-05-09
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

US Bank owns a property in a Homeowners Association in XXXX XXXX XXXX. The foreclosure process has been completed, but the bank has failed to upkeep the home. US Bank secured the property in 2014, and it is the Association 's understanding that the property is now under the management of XXXX on behalf of the bank. After several attempts to contact the bank, the Association 's management agency was contacted by XXXX regarding property violations that were outstanding. The Association explained the process to rectify the violations, but it has now been over six months and the property 's appearance remains less the slightly. The Association has received several complaints from members of the community and owner 's are worried that the aesthetics are effecting the property values of the surrounding homes. Despite multiple letters to US Bank and attempts to contact XXXX, requests go unanswered and the property sits just as it did during the foreclosure process.
Consumer complaint received 2017-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AZ)

XXXX / XXXX /   2017. Wells Fargo Mortgage, one of  the largest corporations in the nation and yet they can not take a debit card for payments online, must have a bank account with routing number. Have called and spoke about my unbelief that they can not accept a debit card, and it was verified that they do not at this time.
Consumer complaint received 2015-08-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Express Recovery Services, Inc. (UT)

Told me I was patient owing for medical bill. Found out trying to collect unauthorized hospital test done on DECEASED HUSBAND two years ago. He was totally covered by XXXX, XXXX XXXX and had already paid any applicable deductible. Last time I answered, the balance had increased by more than 10 percent. They are deceptive and rude.
Consumer complaint received 2016-05-03
Product: Credit card — 
Issue: APR or interest rate — 
Company: TD BANK US HOLDING COMPANY (CA)

On a cruise to XXXX we went to Diamonds International and purchased some jewelry. To sweeten the deal we were offered a 12 month interest free credit line for about XXXX. I paid more than the monthly payment due and never late. I just got my bill and I only had a XXXX balance originally but it showed new balance of XXXX. It put a 28 % rate on and over XXXX in back interest. I called and was told too bad, the promotion expired and I was supposed to pay it off by the 12 months. I was not told I had to pay that balance by 12 months or I could be charged 28 % plus all the interest. Where their numbers came from does n't make sense