davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (FL)

I was under the impression my Federal Student Loans were not accruing interest due to the Pandemic. I logged in XX/XX/21 and found I had accrued {$3000.00} interest from Group A and B loans from XXXX. I emailed Nelnet to remove the interest immediately and they responded stating my loan was originated as a part of the Family Federal Education Loan ( FFEL ) Program by lenders other than ED and didn't qualify for interest suppression. This is a Federal Student Loan! I became angry and paid off Group A loan on XX/XX/21 for {$25000.00}, and remaining principal {$7.00} on XX/XX/21. That savings was in case I became sick with COVID or lost my job due to the Pandemic. I need this investigated. I want the interest I paid during the Pandemic credited to my remaining loan, which is also accruing interest.
Consumer complaint received 2021-05-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Home Loan Center, Inc. (MO)

Lending tree sent me an email after having pulled a hard check on my credit, without my permission, to offer a personal loan. Following the rabbit hole because I did need a loan, I was declined for a lack of revolving credit and a dismissed bankruptcy for 6 years ago, meaning I have never been bankrupt. They should never have made a hard pull on my credit without my permission, they should have never offered a loan based off my credit score that they never intended to follow through with. Their email bombardment offering me loans after I was declined is a slap in the face. They sent me a disclosure after pulling my credit report the first time without permission which I have a copy of and was sent days before I applied.
Consumer complaint received 2019-11-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/2019, I had a scheduled appointment for an appraiser to come to my home and do an appraisal. This appraiser was sent by my mortgage company which is Bank of America. The reason for this appraisal was because my husband and I wanted to refinance our mortgage due to lower rates. The appointment was set up a week ahead of time. On XX/XX/2019 an appraiser from XXXX XXXX, XXXX showed up to my house around XXXX XXXX. He proceeded to call me because no one answered the door. I answered his call and explained to him that our appointment was scheduled for XXXX XXXX. He confirmed that he knew the appointment time but was early. I asked him to please wait a few minutes as my husband would be home soon and they could start the appointment early. He became very disgruntled and then he proceeded to hang up the phone on me. Once my husband arrived and let him in, he ran around our house snapping pictures and left within 10 minutes. I immediately called my loan officer at Bank of America to issue a complaint about the appraiser. I feel as though my concerns were brushed off and I was told to wait for the official appraisal in the mail. Once the appraisal came in, I noticed the estimated value of our home seemed way off. Homes in my neighborhood are selling for {$400000.00} or more and my home was valued at {$350000.00}. The said houses in my neighborhood are the exact same model home as my own. I have also added an {$11000.00} screened porch on and a {$5000.00} fence since closing. I called my loan officer and explained that I wanted to appeal this appraisal. After a week, my loan officer came back with a form I needed to fill out to appeal and told me to list my own comparables within our neighborhood. I supplied my loan officer with 15 comparables and their MLS numbers. I heard nothing for two weeks and finally called my loan officer and was told that they decided not to accept my appeal. I then asked who I could contact so I could get some answers to their reasoning for not accepting my appeal. I eventually had to reach out to my loan officers manager and have left two voicemails with him and sent him an email but now they are both unresponsive. I feel like I am not getting treated fairly. I am worried that Bank of America has chosen to brush my husband and I off due to the fact that he is not a citizen ( although he is a permanent resident ). I feel mistreated and I am at a standstill and can not get any answers from Bank of America. They have taken my money for the appraisal ( {$560.00} ) and yet still are not responding to me. Thank you.
Consumer complaint received 2017-12-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NY)

In XXXX, we ( spouse and I ) took out a Home Equity Line of Credit with XXXX XXXX. PNC Bank took over our loan several years ago after the mortgage crisis. 
Our interest rates were XXXX 4.00 % XXXX years ago when interest rates were raised a quarter pt. by the FED to 4.25 %. 
We contacted PNC Bank and were told the fee to lock into a fixed rate was {$150.00}. We agreed to pay the fee. 
PNC Bank denied our request to lock into a fixed rate because we declared bankruptcy in XXXX. 
We were never late on any payment to XXXX XXXX, PNC Bank or XXXX. 
I lost my job as a government XXXX XXXX due to sickness and surgeries. I am receiving Social Security XXXX. 
Our credit rating is now good in XXXX. 
We contacted PNC bank and requested a fixed rate on our Home Equity Line of Credit every time the XXXX raised interest rates. Our interest expense on the loan is now 5.25 % with the current XXXX  increase. 
PNC denied us a fixed rate every time because we filed bankruptcy in XXXX. 
Earlier in XXXX we contacted the XXXX Department XXXX XXXX XXXX regarding our problem with PNC Bank. They notified us to contact CFPB because they have no jurisdiction over ( PNC Bank XXXX banks that are not licensed/chartered in NYS. Our loan has been and is for our primary residence in New York. 
The XXXX XXXX and House tax plan eliminates the deduction for Home Equity Line of Credit interest expense.
Consumer complaint received 2021-02-02
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. (NY)

I have a major credit card with XXXX Mastercard. Recently XX/XX/2021 I entered into an agreement with them for 6 months with this card. The agreement is to pay {$50.00} per month at an interest rate of 5.9 % for the 6 months. I was told on XX/XX/2021 that I need to make the first inital payment of {$50.00} which I did with the rep. Going forward I also agreed to have the payments come out of my account each month. I confirmed that the account would be considered in good standing and current. I was assured " yes ''. On XX/XX/2021 I received a text that the account is past due. I immediately called XXXX mastercard and was told that I need to make another {$20.00} payment. I made the {$20.00} payment. I asked why is the account reporting now as late when I was assured after I made the {$50.00} payment the account would be considered current. I would have paid the {$70.00} if that is what they were requiring to go into this program on that day instead of the account showing as late. I am upset at the fact that I might be charged a late fee and in addition that it's going to be reported to the credit reporting agency 's again. I have been disputing with them about 2 negative remarks that are already reporting when in fact I went through this with them back in XXXX when the pandemic hit.
Consumer complaint received 2021-02-02
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. (NY)

I have a major credit card with XXXX XXXX. Recently XX/XX/2021 I entered into an agreement with them for 6 months with this card. The agreement is to pay {$50.00} per month at an interest rate of 5.9 % for the 6 months. I was told on XX/XX/2021 that I need to make the first inital payment of {$50.00} which I did with the rep. Going forward I also agreed to have the payments come out of my account each month. I confirmed that the account would be considered in good standing and current. I was assured " yes ''. On XX/XX/2021 I received a text that the account is past due. I immediately called XXXX XXXX and was told that I need to make another {$20.00} payment. I made the {$20.00} payment. I asked why is the account reporting now as late when I was assured after I made the {$50.00} payment the account would be considered current. I would have paid the {$70.00} if that is what they were requiring to go into this program on that day instead of the account showing as late. I am upset at the fact that I might be charged a late fee and in addition that it's going to be reported to the credit reporting agency 's again. I have been disputing with them about 2 negative remarks that are already reporting when in fact I went through this with them back in XXXX when the pandemic hit.
Consumer complaint received 2022-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (TX)

I applied to Chase XXXX XXXX XXXX XXXX card in XX/XX/XXXX. One of the benefits advertised at the Chase and XXXX XXXX websites was Youll earn XXXX PQP for every {$12000.00} you spend on purchases with your Quest Card ( up to XXXX PQP in a calendar year ) that can be applied toward your Premier status qualification, up to the Premier XXXX level. According to my credit card statement, I had spent more than {$12000.00} since I opened the account in XX/XX/XXXX. After more than a month I have not received XXXX PQP. I contacted both XXXX XXXX and Chase for more than half of a dozen times in the past week. I was told that I have not received the XXXX because I did not spend {$12000.00} in XXXX nor in XXXX. I told the chase customer service representatives that this was not how I understood. The advertising statement only explicitly states that only XXXX PQP could be earned within a calendar year but it did not explicitly state that the {$12000.00} expenditure must occur within a calendar year. Based on what Chase representatives explained to me, the credit card promotion is misleading at least and deceitful at best. For instance, if you opened the credit card in the late part of a year and you could only spend {$11000.00} by XX/XX/XXXX, you would earn XXXX PQP. This approach is not fair to consumers because they would not fully receive the benefit that the credit card was supposed to offer. If I had known this in advance, I would not have opened the account in the late part of XXXX. After I repeatedly explained my understanding of their promotion statement to Chase and XXXX XXXX, I was told that there was nothing that they could do. The supervisor of the Chase customer services hung up on me in the middle of our discussions yesterday. What I want Chase to do is to give me the XXXX PQP that I have earned from spending more than {$8000.00} in XXXX, and more than {$4000.00} in XXXX. The deception and treatment from Chase is not acceptable.
Consumer complaint received 2022-04-02
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: Santander Consumer USA Holdings Inc. (SC)

Santander Consumer USA is still reporting negative remarks on my credit report. I have contacted Santander, I have contacted XXXX. I still have the same results. That account is in litigation due to predatory lending and this account needs to be removed.
Consumer complaint received 2019-08-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (IA)

Mortgage was originally opened in XX/XX/XXXX with the loan valued at {$140000.00} which is also prior to the FHA changes to PMI. 

Loan was sold to LakeView Loan Servicing LLC at some point from the original company. Original contract stayed intact and should not have changed the being able to drop PMI after a minimum of 5 years and XXXX at 78 %. 

On XX/XX/XXXX I made an additional payment of {$1200.00} to bring my LTV under the 78 % threshold which is the threshold for auto removal of PMI. 

On XXXX I was charged {$110.00} for a PMI disbursement. 
On XXXX I was charged for a PMI disbursement for {$110.00} I had submitted a support ticket between XXXX & XX/XX/XXXX questioning about this On XX/XX/XXXX when they " cancelled '' my PMI they took an additional {$110.00} Called on XX/XX/XXXX to inquire about a refund due to this. Never received a response either written or electronically. 
Called on XX/XX/XXXX to inquire about the previous call and found out that there was no ticket escalated. The customer service rep then said she would escalate a ticket. 
Called on XX/XX/XXXX to inquire about the previous call and found out that the ticket was closed with no response written or electronically. Customer Service rep confirmed that this was dropped on XX/XX/XXXX but was adamant that they will not retroactively refund the above amounts. Waited to put this complaint in until I talked to the supervisor, but currently as of XXXX CST, I have been on hold for 130 minutes waiting to talk to someone. 

I have attached XXXX - XXXX statements from LakeView Loan Servicing LLC.
Consumer complaint received 2017-12-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BB&T CORPORATION (MD)

The branch manager put a false fraud alert on our account because she got mad at me for stating to management I did not like the way she talked to me and embarrassed me. She retaliated and said she will fix me and put a fraud alert on my account which froze revenue and held all my revenue. They have held all funds for over 30 with no resolution this is wrong and I do n't want my funds held any longer. I want them to release my funds and close these accounts and I never will bank or refer anyone to them ever again. 

This bank is BB & T Bank XXXX XXXX XXXX. XXXX MD XXXX XXXX XXXX XXXX is our account name
Consumer complaint received 2021-02-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that a failure to investigate these items within 30days fives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands
Consumer complaint received 2019-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (NY)

I opened a new Wells Fargo CC with promotional 0 % interest rate for 18 months. Part of the package I received was a check that could be used to do a balance transfer, which was also at the rate of 0 %, however, after using the check, Wells Fargo is charging me {$150.00} fee for making a balance transfer. While i was explained that they apparently charge a fee for balance transfers, that FEE was NOWHERE disclosed around the check that used. Had I known there was a FEE to transfer balance, I would have NEVER used that check. When I called the customer service, they told me the letters and verbiage that spells out the fee is in the same location where the check is and in the SAME letter size as the other stuff. This is a total LIE. Typical bait and switch practices. 
Please stay away from Well Fargo and watch out if you HAVE to go with them. 
Their UNFAIR business practices should be looked into.
Consumer complaint received 2021-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2019-11-15
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. (SC)

XXXX, Transunion, and XXXX  are reporting two collection accounts on my credit that should have been filed with my insurance if they belong to me. I have no knowledge of these accounts. Transunion is reporting 19 inquires on my credit that I did not authorize. Please remove all incorrect information.
Consumer complaint received 2019-08-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IN)

On XX/XX/XXXX, my husband went to purchase a sensor from an individual on XXXX. The guy selling it asked that my husband pay via Venmo by Paypal. We have used Paypal for years and have a level of comfort with it, knowing that they back their transactions and don't allow fraud. We have no compliants with Paypal. 

Apparently Venmo is the exact opposite. They allow scammers to conduct business with no consequences through their app. The individual selling the sensor stole {$430.00} from us and never shipped the sensor we purchased. We gave him a month to send it. We then requested our money back from him directly, which he never responded to until after we reached out to Venmo directly to resolve this. He declined to send the money back with no explanation. We asked our bank to report this as an unauthorized transaction, and they were unable to do so since it was Venmo for some reason. 

We then reached out to Venmo directly. They " investigated '' the transaction and basically said that we shouldn't pay people we don't know. They said that they don't offer any mediation or compensation because the user 's transaction was in violation of their User Agreement. Basically the only time they will recover funds from a user is when Venmo is out the money, NOT the consumer. They say that they have addressed this with the user, yet the user is still active to transact with other consumers. 

The Venmo user has re-listed his item on XXXX  to scam the next person into doing the same thing. 

Venmo did not remediate the issue, nor did we receive any sort of reimbursement for the stolen funds.
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (HI)

XXXX XXXX XXXX {$2000.00} Highest Balance {$6000.00} Account Dispute Payment never late FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report. I will enclose in my attached documents, with wrong names, addresses on my report.
Consumer complaint received 2021-02-02
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. (FL)

On XXXX i sent in letters regarding inaccurate reporting false items on my credit report and i have not recieved a response yet i feel like im being ignored of my disputes. This deceptive practices by the bureaus.
Consumer complaint received 2018-07-26
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. (IL)

After sending information to verify myself with my disputes XX/XX/XXXX, Equifax has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. If I must, I will take legal action but I want to create a paper trail. Please see items below ACCOUNTS XXXX XXXX XXXX never late XXXX   XXXX XXXX never late XXXX XXXX not mine XXXX   XXXX XXXX never late XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XXXX not mine XXXX not mine
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (OH)

Hello my name is XXXX XXXX and my ex husband was receiving my unemployment benefits since XXXX and Im trying to get what I am owed. They told me to put up a couples of pictures to verify some things. Its for the XXXX card. He received everything and I didnt I have proof.
Consumer complaint received 2022-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

This institution ( Huntington Bank XXXX has had trouble processing our loan payments since fall 2021. They acquired this mortgage as part of a merger/account taken over from TCF bank XXXX Up until that point the payments had been made on time without difficulty. Shortly after Huntington 's involvement, our payments began being processed and then returned as unpaid. I have spoken with them on at least 4 occasions trying to figure this out, resubmitting payments, etc. We have the money to pay our payments, in fact the loan is almost paid off and we could do that, too -- if they could process our payments. At one point I spoke to someone from Huntington on the phone and they were able to process 3 past-due payments that were NOT subsequently returned, so I know it is possible. But then when I made the payment for the next month, it was again returned and they began calling wanting to know when we were going to pay. 
In the meantime, Huntington Bank has reported the late payments to credit reporting agencies which has had a significant negative impact on both of our credit scores, which were over 800 prior to our forced involvement with Huntington Bank.