davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (VA)

I received multiple charges on my LL Bean MasterCard for  XXXX XXXX XXXX. I caught the fraudulent charges this summer. 
1. I contacted Citi-Bank in XX/XX/XXXX, that operates this credit card, and made it clear that I did not make nor did I ever authorize any charges for these purchases from this company. 
2. The issue has been strung out over a number of months by LL Bean Citi-Bank MasterCard. 
On XX/XX/XXXX, I talked with XXXX, Team # 3 member, out of XXXX, Idaho. He told me that I was charged {$54.00} in interest for the disputed amount and that it would credited in a future statement. He told me that the person that originally handled things with this matter had submitted it wrong and he apologized on behalf of the credit card company. He requested that I call the Security Department on XX/XX/XXXX. 
That day ( XX/XX/XXXX ) I called and talked to XXXX, located in Tennessee, at about XXXX XXXX. He admitted that " they ( Citi-Bank ) had " dropped the ball. " He told me that the {$990.00} would be definitely removed within a day or two. He told me to take the amount off my current credit card statement when paying it. He also told me that I had overpaid interest that was charged to me and that it was an error. 
On XXXX I was called by XXXX from the Citi Bank Executive Office. XXXX told me that she represented the Presidential Office and the CEO of Citi-Bank, " the highest level. '' as she said. She apologized for how I'd been treated as a customer and told me I'd get {$100.00} in Bean Bucks, which I never did. She told me that I would not be liable for the charges.I replied, " That sounds good. '' 3. ) After being told that I was not liable for the charges. On XX/XX/XXXX I received a letter from LL Bean Mastercard Security Operations dated XX/XX/XXXX. It stated : We have completed our investigation regarding your claim of unauthorized use on the above referenced account. Based on our review, we have determined that you are responsible for the charges in question. It continued : " Our decision was based, in part, on the following : The facts and/or information reviewed as part of the investigation does not substantiate the claim of unauthorized use. It stated that my account was being re-billed and that their investigation was complete. They threatened that if I didn't pay at least the minimum amount on the billing statement that they could report my account past due to credit information services. The even listed XXXX, XXXX  and XXXX along with their addresses. 
The investigation and decision period was less than two weeks after my call from the Citibank Executive Office apologizing for how things were handled and how I was treated as a customer and telling me I was not liable for these charges.
Consumer complaint received 2020-09-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

Starting this calendar year I have been dealing with a company called Shellpoint Mortgaging services who claim they were not receiving my payments! So payments are missing or not applied correctly it seems! I had to take funds from my IRA to make a XXXX payment in XXXX! To which at the time they stated the amount owed was XXXX I sent in a cashiers check for XXXX and subsequently sent in my XXXX payment of XXXX it was cashed by them on XX/XX/XXXX as per my bank! But never posted to my account! These people are frauds or committing fraud! They sent me a statement on the XXXX  for XXXX! No mention of the XXXX they received prior and late fees on top of what they already received!! I spoke to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX who was supposed to be a supervisor and have not been able to reach him since! I am XXXX   XXXX due to a XXXX  XXXX I had in XX/XX/XXXX! This is putting undue stress on me and I am afraid to send in any future payments as they are not forthcoming in their accounting practices!!
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (WV)

Each company is showing Inquiries on my report that are false. I have provided proof and the company who sent furnished the inquiries also reached out to them expressing that they should be removed and they have not yet done so. I have contacted each company as well as place a CFPB complaint on this issue and it has not been removed from my credit reports. I have the exact letter from the furnishing company on what should not be on my reports at all. this is hurting my credit and my opportunities! below are a list of the inquires that should be deleted asap. 

Date in question : XX/XX/22 -XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

I made what I believed to be a final payment on an Ashley Advantage credit card issued by Synchrony Bank for a purchase made at Ashley Furniture. The payment was made on XX/XX/2020. I received no response, but assuming that because the account was paid off it wasn't unusual to not hear from the company. 

On XX/XX/2020, I received a letter stating that there was an overdue balance of {$12.00}. I immediately paid it. Even though I believed it had been paid off, I didn't want to risk a negative credit report for {$12.00}. Unfortunately, it was reported and shows up as a negative on my report. This negative is affecting my credit rating. 

The account number is ( was ) XXXX
Consumer complaint received 2020-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (KY)

I had a loan with SallieMae that was bought by Navient around 2012. The loan was a subsidized student loan and was in deferment. No interest should have accrued until this fall after I completed my degree. When I was contacted by Navient about repayment they had a balance of over {$16000.00} when it should have been well under {$16000.00}. I called Navient and talked to employee XXXX and told her what the balance should be and she said when they bought the loan in 2012, the balance was over {$17000.00}. I told her I had paperwork from SallieMae dated XX/XX/12 that clearly showed a balance of around {$15000.00} right before my account was transferred to Navient. She said she had paperwork for Navient that showed the balance as $ XXXX in XXXX of 2012. She said I should fax her copies of the documents from SallieMae which I did on XX/XX/XXXX. I also had my university send proof that the loan was in deferment from 2012 until now which they did.

I called Navient today and asked them if they had made the necessary change to the amount I owed. The woman I spoke to barely spoken English so she was incredibly hard to understand. She  said something about accrued interest and a reverse loan something or other. When I asked her what my balance was in 2012 she said $ XXXX. I asked why the balance had not been corrected and she started talking unintelligibly about something with reverse balance ... I could not understand what she was saying. She also told me that my faxed documents had been received and a letter had been mailed today which was their response to my complaint. I don't have the letter and quite frankly I am not sure I believe that they actually sent a letter at all. If they did it should show up in a few days. 

The following uploads will show you that there is a major discrepancy between Navient records and the records that I was sent by Sallie Mae. The Sallie Mae documents I received showing my payment record for the loan on XX/XX/12 has a full repayment balance of {$15000.00}. The Navient records show for the same date show the balance to be almost {$1000.00} dollars higher at {$16000.00}. 

I had massive issues with SallieMae constantly and illegally trying to take me out of deferment or accruing interest while I was in deferment. I had hoped Navient would be better but it appears they are just as crooked. I am sending this complaint to start the process of investigating Navient for student loan fraud. This note is the first step in what I hope can be a quicky resolved issue although I am not as hopeful as I would like to be.
Consumer complaint received 2018-10-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings (UT)

I have been unable to make payments exceeding the minimum required payment amount since taking out the loan. The minimum payment insures I will pay massive amounts of interest to XXXX. I would like to pay down/off the balance of the loan but have been unable to do so. 

There are no links on their website ( desktop or mobile ) to make a payment. The link to make a payment on their mobile app is broken and says " payments are not available at this time ''. I've emailed them twice now, once in early late XX/XX/XXXX and again on XX/XX/2018. I've tried calling multiple times to setup a payment and or ask about their " broken '' wesbite/app features, but I have never been able to get a hold of a an actual person. 

The way everything is with their website, app, and non-existent phone reps it seems like they almost don't want the principal amount paid down ...
Consumer complaint received 2020-07-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (OH)

On XX/XX/XXXX, I contacted American Express, to correct their records and behavior, with the attached message, and USPS tracking receipt, and filed FTC complaints in regard to that behavior. Previously, on XX/XX/XXXX, I contacted to American Express, to dispute the validity and amount they allege, as well as request they cease and desist all communication, and only communicate when necessary under the Fair Collection Acts, via Certified USPS Mail. Today, on XX/XX/XXXX, I received the attached e-mail, in violation, stating that American Express is honoring a request for account statements. I HAVE NOT MADE A REQUEST FOR ACCOUNT STATEMENTS. I have asked American Express in writing not to contact me, but they continue to ignore my request, leaving little choice other than continuing to report the violations, and pursue other remedies.
Consumer complaint received 2020-07-09
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: BMW Financial Services NA, LLC (CA)

BMW financial services inaccurately reported a history of payments on my auto loan. I have asked them to investigate and send me a copy of their investigation. They haven't responded within the required time frame.
Consumer complaint received 2020-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE (NV)

I have a {$35.00} charge on my bill that does not belong. I have tried reaching the merchant but they are unable to assist and was told to contact my bank. I've been trying to reach someone at Barclay 's for the past few days. I have spent more than 2+ hours on hold only to be hung up on. They're online chat/messaging is useless and only provides canned responses. Their online dispute portal gives an error, etc. Barclay 's has made it impossible to reach anyone at their customer support. They have messages blaming Covid, but here we are 4+ months into it and they haven't gotten it together yet. I find this unacceptable and an atrocious business practice. A XXXX search for 'barclays ' returns many many others experiencing the exact same thing as myself. I would like this complaint to also document that I have been attempting to resolve a billing dispute. I don't want Barclay 's to pull something saying that it was not submitted in a timely manner.
Consumer complaint received 2019-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (VA)

on XX/XX/XXXX my father passed away. The home that I have resided in since XXXX had a mortgage on it in my fathers name. In his trust the home was left to me and has been deeded to me. I have been in contact with Freedom Mortgage since XXXX trying to pay off this loan. On multiple occasions I have been told the pay off has been requested only for me to call a week later after not receiving it and being told they need additional information. To date I have sent them a copy of the trust, my driver 's license, the death certificate, the certification, a copy of the deed, deeding the property from my father to the trust and then a copy showing that the property was deeded to me from the trust. on XX/XX/XXXX I spoke with a supervisor named XXXX ( identification number XXXX ) who assured me that they had all of the documents after a month and a half long battle and that the payoff would be requested with haste. On XX/XX/XXXX I received a letter mailed on XX/XX/XXXX stating that they needed a copy of my birth certificate to prove that I am related to my father. This is an excessive breach of my personal information at this point. They have every legal document showing that not only was the home an inheritance gift to me - but that it has been legally deeded to me. I called and spoke to a representative named XXXX ( identification number XXXX ) on XX/XX/XXXX who told me they should not be asking for my birth certificate, then asked who my step mother was ( she had faxed in documents to them as well ), and then told me they did need by birth certificate. It is my personal belief that since I am paying off the loan they are attempting to run up the interest on the home. Currently since this process started they have earned an additional two months of interest and since I have had to send away to vital statistics in order to obtain my birth certificate it looks as though they will be obtaining an additional two months. Every time I speak with a representative I am told whatever document they are requesting is the last one and then I will be able to obtain the payoff. This never happens.
Consumer complaint received 2021-04-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (PA)

My original mortgage was with XXXX XXXX, loan number XXXX but was sold to MT & T bank in XX/XX/XXXX. While with XXXX XXXX I did two loan modifications one in XXXX for {$3600.00} and the other in XXXX for {$2000.00}. 
I was speaking with a mortgage servicer at Mt & T bank who told me my current pay off is {$80000.00} but because I took two loan modifications was done with XXXX XXXX XX/XX/XXXX that a total of {$30000.00} has been placed on the back end of my mortgage which means if I was paying off my house today I would have to pay the outstanding principal balance and the back end amount. 
I did not agree to this and believe the amount placed on the back end of my mortgage is incorrect. I have already paid 10 years of payments made on my home. 
Can you please investigate? I never agreed to such and amount.
Consumer complaint received 2020-07-09
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account Number : XXXX XXXX To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains a late payment/payments reported for my XXXX XXXX XXXX accounts. 
I want you to know that I understand my financial obligations, and if it werent for the circumstance that caused me to miss a payments involving months of XXXX and back to back XXXX  that were life threatening, Id have an excellent repayment record. I made a mistake in falling behind, but since then, My circumstances have changed I've improved my money management and I've returned back to work. Since then, I commit to a record of on-time payments. 
Im planning to apply for a mortgage/auto loan/etc, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment/payments. 
Thank you for your consideration, and I hope youll approvemy request. 
Best, XXXX XXXX
Consumer complaint received 2020-07-09
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account Number : XXXX XXXX To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains a late payment/payments reported for my XXXX XXXX XXXX accounts. 
I want you to know that I understand my financial obligations, and if it werent for the circumstance that caused me to miss a payments involving months of XXXX and back to back XXXX that were life threatening, Id have an excellent repayment record. I made a mistake in falling behind, but since then, My circumstances have changed I've improved my money management and I've returned back to work. Since then, I commit to a record of on-time payments. 
Im planning to apply for a mortgage/auto loan/etc, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment/payments. 
Thank you for your consideration, and I hope youll approvemy request. 
Best, XXXX XXXX
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MO)

My wife and I applied for refinancing on our mortgage. We were told that there was an account with Ally Financial that was showing closed in XX/XX/2019 with an outstanding account. We notified Ally but are not satisfied with our inquiry. They have updated the account as of XX/XX/XXXX but we have not been given a reason as to how the mistake was made. We should have been receiving positive points on our credit score for the last 7 months and have not. This needs to be reconciled.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (SC)

I have been submitting to get correct information put in place for account but now they showing account open with a balance. The account was put into Bankruptcy. I have started receiving bills from them now. The amount keeps increasing.
Consumer complaint received 2020-07-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (SC)

I opened an account with Suntrust and transferred {$3000.00} from my XXXX account om XX/XX/2020 shortly after Suntrust sent me a letter saying the account was closed for fraud. I was never contacted by Suntrust directly to ask. 
Suntrust did not send back my {$3000.00} I have called twice and both reps have told me suntrust is holding my money and will not say why or let me talk to an agent who can explain. 
I need my {$3000.00} from suntrust ASAP, as well as compensation for lost interest ( 4 % apr on XXXX for length of time money was held, currently 60days x .XXXX XXXX a day = {$26.00} dollars ) and the opening bonus that i would have been eligible for of {$400.00}
Consumer complaint received 2020-05-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I opened my savings account online bc the rate was Heavily advertised as 1.50 %. The day after my account was opened the rate was lowered to 1.30 %. Total bait and switch situation. 

Opened / funds available XX/XX/XXXX Rate lowered XX/XX/XXXX Telephone banking agent was nice. Explained rates can be adjusted. I understand that but not the day after the account was opened.
Consumer complaint received 2020-07-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Greetings, My XXXX XXXX is loosing clients and money due to a situation with Bank of America. 
On XX/XX/2020 I sent a wire in the amount of {$33000.00} through BofA internationally to pay my supplier for the merchandise. I first contacted BofA on XX/XX/XXXX asking about the wire. I was assured the money will arrive soon. I called several times and after 2 weeks started to really demand an answer. After 2 hours on the line, I finally received an answer that the money is held by intermediary bank since XX/XX/XXXX. They told me they will do a recall. Another 8 days go by and I still see no money, another 3 hours on the phone and 8 agents later, I find out that no recall was filed still and BofA knew that the money was held since XX/XX/XXXX. All this time they were giving me misleading information and did nothing to help get my money back. The bank provides absolutely no support or help. The customer care agents just send you to another agent without finding a solution. It has been over 23 days since I can not get the money delivered or returned.This happens during the challenging times for any small business ( due to Covid19 ). We are struggling to stay afloat as a business in this difficult times. Staying without merchandise means we do not make any money. 
Thank you very much for your time XXXX