davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-09
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received a bill from my Capital One credit card for {$95.00} annual fee and called on XX/XX/XXXX asking for the annual membership fees to be waived, but my request was denied. I requested to cancel my credit card and representative informed me that I had XXXX rewards points and he could send me a check for {$11.00} which was half of my points worth. He stated that in order to receive the whole amount of {$22.00}, I could to make a restaurant purchase and apply the whole amount. He informed me that I had 45 days until XX/XX/XXXX to make a payment for membership. 
When I made a restaurant purchase on XXXX, my credit card was declined. When I called customer service and spoke to manager XXXX, I was told that my card was past due and on hold due to my membership fee not paid on XXXX and I can not redeem ANY of my points until I make the payment. I reiterated to her that I was informed differently by the previous agent, and she said this was not correct and she would obtain a conversation recording for XXXX. 
On XXXX I received a call from another manager XXXX who stated that they completed the investigation and found no wrongdoing on representatives site and that I had to pay my membership fee to bring account back to active. It was very frustrating to hear that after I was misinformed by the representative on XXXX, no action was taken and I had to suffer the consequences and was forced to forfeit my rewards points earned. She once again declined my request to waive membership fee to bring account back to active and for me not to lose my points. 
It was very upsetting that management did not admit any wrongdoing and was not able to find ANY solution to solve this issue. 
I cancelled the card to avoid any late fees and requested for a check to be mailed with my points earned but was denied. 

I filed a grievance with the credit card and received a denial again. 
CASE # : XXXX Account ending in ... XXXX Capital One practices deceptive practices and conducts unclear disclosure of information to their customers. 

I am a XXXX XXXX and feel very disappointed that customers could be so mistreated by credit card company. 

I ask for your assistance in this matter. 

If you have any questions, dont hesitate to contact me at XXXX. 

Sincerely, XXXX XXXX, XXXX
Consumer complaint received 2018-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

My wife has our home currently financed thru Ocwen Loan Servicing, LLC. Since her mortgage loan was sold to them, they originally kept mis-crediting her payments, eventually causing her to redo her loan several times increasing her mortgage amount because of excessive fees they kept adding. Most recently, after almost losing our home, she refinanced again and began to pay the mortgage by having to pay her bank XXXX XXXX send payment by wire transfer so they could n't make excuses of not receiving payment. She gets paid twice a month and wanted Ocwen to change date due to XXXX of month. they refused, forcing her to pay on XXXX. after making her payment on or about XXXX of month, they report her to credit bureaus as paying late. She tried making an extra payment to have mortgage in advance. They kept sending extra payment to principal and not allow her to have her account in advance. She has tried to get other institutions to carry her loan, but ca n't because Ocwen keeps showing her late! She has made her monthly payments within the month for more than 24mo straight and still cant get anyone to help her! What Ocwen is doing has to be illegal. We have tried going to lawyers but all they do is take our money and nothing happens! please help! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX or XXXX XXXXXXXXXXXX or XXXXXXXXXXXX
Consumer complaint received 2018-01-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SUNTRUST BANKS, INC. (NC)

I opened a Select Checking account at Suntrust, XXXX NC on XXXX XXXX, 2017. There is promotion associated with this account. The detail of the promotion is in the attached file. After meeting all the requirements. I did not receive any promised bonus. I have contacted the bank several times. First they said I did not provide US address and SSN, which I did provide when opened the account. Then they said they would investigate the case. After that they did not provide further information or solution.
Consumer complaint received 2022-09-09
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: Experian Information Solutions Inc. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXXXXXX now.with no help.
Consumer complaint received 2022-01-06
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: JPMORGAN CHASE & CO. (CA)

I finished paying the card off, & I got rid of the card. When I went into my bank XXXX were used when i was only authorized for {$800.00}. I believe it was fraud because the charges were made in another city.
Consumer complaint received 2021-05-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2022-03-10
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (CA)

We purchased a XXXX XXXX XXXX trip and it was canceled due to Covid, booked another trip with the credit from the XXXX trip, and that was also canceled, then booked an XXXX cruise with the credit, due to sail on XX/XX/2022, and that was just canceled. The cruise line is now going out of business and the credit card company, Chase XXXX said it has been too long to get a credit back. The cruise never set sail yet and we received nothing for our money. What can we do? We are senior citizens living on a fixed income and this is a tremendous amount of money owed to us. Any kind of help would be greatly appreciated.
Consumer complaint received 2018-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MS)

I received an alert regarding a negative account had been added to my credit report. When I called the credit bureaus, they told me the company was XXXX XXXX XXXX for {$550.00}. It shows this was opened in XX/XX/XXXX and reported on my credit XX/XX/XXXX. I told the credit bureaus that I have no knowledge of who these people are and I do not owe them nor have I had an account or any affiliations with them. I also stated that Ive never received any written communication from this company regarding an amount owed to them. I also noticed that they have this account as a charge off on my XXXX report which Ive never had any type of credit card or credit account with them. They also listed this same account on my Equifax and XXXX report under another name called XXXX XXXX XXXX. I spoke with the credit reporting agencies and was told this is the same company and is showing that XXXX XXXX was the original creditor which Ive never heard of, nor have I had any affiliations with them, nor have I receive any correspondence from them. First off if I owed this company, why wasnt I sent written notification? Secondly, seems like they are trying to ruin my credit by putting 2 different bogus accounts on my credit for the same bogus account. My next step is to send this to the FTC and attorney general because I dont see how they are allowed to do this. I take this matter very seriously as Ive already been a victim of identity theft once.
Consumer complaint received 2021-09-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

On XX/XX/2021 I discovered an unknown third-party " medical '' collection account being reported on my credit reports by Commonwealth Financial Systems . Inc. I immediately notified Commonwealth that I disputed this collection account and demanded that they validate and verify this account. Additionally, I demanded they immediately stop reporting this disputed third-party debt. 

On XX/XX/2021 Commonwealth once again reported this disputed third-party debt in violation of FDCPA. 

On XX/XX/2021 I've provided written notice of my intent to file a small claims lawsuit against Commonwealth pursuant to my rights under the FDCPA.
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX, Reporting and complaint about my credit problem I recently bought some thing from XXXX and I use the XXXX XXXX XXXX XXXX XXXX.There been a problem were I've tried to pay on the card and tried to login and it's not letting me pay on it and I've called the company and its been 3 mouths and the payment keeps going up. 


My XXXX XXXX number is : XXXX XXXX XXXX XXXX social number : XXXX email : XXXX XXXX
Consumer complaint received 2023-11-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

On XX/XX/XXXX  I sent Nelnet Inc an endorsed registered security. It was signed by XXXX XXXX or XXXX on XX/XX/2023. This was addressed to the confirmed Chief Financial Officer XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Nebraska XXXX. On XX/XX/2023 I called nelnet to confirm the receipt of said security. I was told by the first representative that I needed to wait more time and to give it until XX/XX/XXXX for it to be scanned in the system and be processed. On XX/XX/XXXX I called again and spoke with a representative who said they would escalate my call to the XXXX XXXX  as they were unable to tell me what a registered security was, the XXXX agent XXXX she informed me that the processes were backed up, and that, yes, indeed it takes two days to process a security, and that it still had not been scanned in the system, and was waiting on that as well. Today on XX/XX/2023 I called again and after waiting on hold for 2 1/2 hours I was able to speak with someone in XXXX  named XXXX. XXXX informed me that they do not accept securities as a form of payment, and that I sent the payment to the wrong address, XXXX then sent me to a supervisor after my request and the supervisor I spoke to you was named XXXX. XXXX then said that securities are in unacceptable form of payment and one I asked if they in fact received my registered security number XXXX XXXX XXXX  was not received, and that they in fact had not received anything from me at all in XXXX. I then clarified that XXXX XXXX XXXX XXXX is the CFO of the company and also that the XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX was in fact the corporate address.
Consumer complaint received 2021-06-30
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc. (VA)

I had a vehicle that I purchased XXXX XXXX financed through XXXX XXXX. The vehicle was stolen in XXXX of 2016. I did file with my insurance company. Insurance paid some but left a balance. XXXX XXXX wanted insurance to pay an amount that was much higher on a XXXX XXXX XXXX vehicle as if it was brand new, insurance company refused.Insurance company sent them a check for what the vehicle was worth at the particular time. XXXX XXXX then sold the account to Ncb Management Services. After sometime I noticed Ncb Management Services had not only added this debt to my credit report but also listed HOME FORECLOSURE as well. I have not ever had a mortgage. I have contacted them about this and they will repeatedly avoid discussing the issue / or will advise me that it was not them that listed the foreclosure on my XXXX Credit Report. Listed on my credit report following the debt has Ncb Management Services as the furnisher of information regarding this FORECLOSURE. I have called to correct this several times and they will avoid me.
Consumer complaint received 2018-06-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (NY)

I own a house in XXXX, XXXX XXXX. The mortgage is held by Seterus, XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX. On my most recent statements, Seterus has been charging a monthly charge of {$260.00} for insurance and taxes. I have complained to the company ( letter attached ) that it is double-billing me, because since I took ownership of the property I have paid the property taxes ( recent XXXX County tax bill attached ), and have carried my own insurance. I have asked Seterus for an itemized statement of complete charges for insurance and tax charges, so I may claim insurance and property tax refunds.
Consumer complaint received 2021-04-30
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: Carter-Young, Inc. (SC)

Last year on or about the month of XX/XX/2020 I received a copy of my credit report from XXXX and I also received a copy of my credit report directly from XXXX  XXXX XXXX XXXX XXXX While going over the information contained in that report I noticed that their was a collection account that had been placed into my credit report profile, unbeknownst to me, that I did not recognize. 
Prior to the collection account being placed onto my credit report I did not receive any notifications whatsoever, in the mail. Nor, was I notified by any other electronic means, and/or via telephone calls. As a result, I decided to dispute the negative account that was adversely affecting my account directly with XXXX  XXXX XXXX XXXX XXXX, and also with the furnisher, XXXX, XXXX, respectively. I sent both XXXX, and the furnisher XXXX, XXXX Certified Mail Letters with Return Receipts through the US Postal Service pointed out to them the inaccurate information that was being reported. In addition, I respectfully demanded that they either correct the account in its entirety, or delete the account altogether. 

XXXX, refused to conduct a reasonable investigation on their own, but what they continued to do over and over again was parrot the information that they received from the furnisher, which merely stated that the account was verified as accurate, by the consumer. Even though the information that was provided to the from myself was a Validation Letter that I received directly from the furnisher that completely contradicted what was being reported by the furnisher, to the credit bureau. Even with irrefutable proof, XXXX  refused to even conduct their own investigation. 

Initially, when I first began to dispute the account information with the credit bureau, I also sent a Request for Validation directly with the furnisher, too. What I received in the mail from the furnisher was a Validation Letter that proved that the information that was being reported was in fact inaccurate. It is irrefutable proof that the account was being reported inaccurately. Not only was the amount inaccurate, but the date opened field was changed periodically. The date first reported field and the payment history fields were also inaccurate, and were changed periodically.
Consumer complaint received 2018-01-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LendUp Loans LLC (CA)

I had a payday loan for XXXX plus XXXX interest it was due on XXXX XXXX. On XXXX XXXX I submitted a early payment for the full balance of XXXX this morning I got a email from them saying my payment failed and now I must pay a XXXX return fee. It failed because they used the wrong bank account they show account ending in XXXX I have never had a bank account with this number. I have been borrowing from them for 9 months with no repayment problems. This was not my fault I told them this morning XXXX XXXX XXXX that I would pay the XXXX right now but I refuse to pay the XXXX penalty because it was not my fault the also say I was late how could I be late it is not due until XXXX XXXX. I spoke to XXXX he was condescending and no help at all when I asked to speak to a supervisor he said their policy is to have one call me back later. It is only XXXX it is not the money it is the principle. I would appreciate any help you can give. 

Thank you XXXX XXXX
Consumer complaint received 2022-09-09
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: EQUIFAX, INC. (MI)

this company is putting information onto my consumer report without my written consent which is a violation of my consumer rights. I have sent them mail and called them over and over again to try and get this resolved. In the letter i have attached it shows the accounts and inquiries, also giving them instructions on what i am demanding them to do with the accounts. These three companies have a job to do and that to make sure everything is supposed to be reporting fairly and accurately, according to the FCRA. Reporting negative information that I didn't give consent on is not reporting accurately or fairly.
Consumer complaint received 2018-06-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SUNTRUST BANKS, INC. (TN)

On XX/XX/XXXX, I opened a select checking account at SunTrust at their office located at XXXX XXXX XXXX, XXXX, TN XXXX. This was after multiple attempts to open it online and over the phone which all failed. I was told that I had to go into the office to open it, so I did. 

I opened this account with SunTrust only to fulfill the requirements for the SunTrust XXXX Mortgage Program I joined for my condo. SunTrust sent me a flyer advertising a {$250.00} reward for opening this select checking account ( attached ). I read the flyer and was under the impression that as long as I fulfill all the requirements listed there I'll receive the {$250.00} reward. So I made the {$100.00} deposit on account opening, set up the $ XXXX monthly direct deposit for my salary, and made more than 10 purchases with the SunTrust debit card. On XX/XX/XXXX I contacted SunTrust via their online portal asking how I would receive the award and I was told that to receive an answer I had to go into a local office. So I went to their office on XXXX XXXX on XX/XX/XXXX and the agent told me the problem was that the promo code on the flyer was not documented at the account opening. He said he would contact relevant staff the same day. There was no update. So I contacted the staff who had been in touch with me as I was originally applying for the mortgage. There was still no update. 

This is very frustrating because during the multiple contacts with the SunTrust staff when I tried to open the account online, over the phone, and in person, no one ever asked me about promo code. And the so-called promo code was placed on the top of page 2, which doesn't even say " code ''. Therefore I didn't notice it until the agent told me about it when I was at the XXXX XXXX office on XX/XX/XXXX. Now SunTrust is saying this was not documented at account opening and refusing to give the {$250.00} reward. I feel like this is a trick they play on me as a customer. The process of opening this checking account has been long and difficult enough, and now they are refusing to fulfill their promise even though it's not my responsibility. 

The whole experience of mortgage application and checking account opening with SunTrust has been unpleasant. I would not recommend it to anyone based on what I went through.
Consumer complaint received 2022-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

XXXX XXXX became a new servicer to XXXX XXXX XXXX XXXX specialized loan servicing during that time my moms annual loan statement came out and showed a deficit in the escrow balance. She included with her payment a payment to be applied for the total of the deficit in escrow. The servicer XXXX XXXX specialized loan servicing did not apply The payment of the deficit amount to toward the escrow DEF deficiency therefore it got wrapped into the loan and the payment became larger. She was given a choice to either pay that deficiency in full or have it wrapped into the loan. She decided to pay the deficiency in full in addition to making her mortgage payment on time. Shes never been late. The servicer today has been slow to fix and redirect the deficiency amount to be applied in full and while my mom is protected under RESPA now two payments have passed without being paid until they can figure out the math. This is been a very frustrating process I believe somebody should be watching over their shoulder because Im sure we are not the only ones.