davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Seterus, Inc. (CA)

I have been trying to get the payoff balance on my loan. I called again today ( XX/XX/XXXX ) to follow up on the balance so we can refinance with another company. Seterus, Inc. informed me that they received our Chap. XXXX completion notice from the Judge on XX/XX/XXXX. I was also informed that Seterus, Inc. was to have my account completed with their bankruptcy dept. by XX/XX/XXXX. They acknowledged that we had a request for payoff in XX/XX/XXXX and again on XX/XX/XXXX. When I requested the payoff again on XX/XX/XXXX I was told that it could take up to 180 days to process the bankruptcy clearance before a payoff could be completed. I was told not to call back this week as it would not speed anything up. I called back today and was told that while they acknowledge that they have not met any of THEIR requirements to process a payoff, I would have to continue to wait while they try to get the information completed. They are running me around in circles while they acknowledge that they have not met their deadlines. I have DEMANDED a payoff balance to be processed immediately and they just tell me that they have " expedited my complaints '' and they are " working on it ''.
Consumer complaint received 2016-12-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION (MD)

M and T Bank- charged up to 3 times for insufficient funds for 1 description and anytime they feel like it, they manipulate your account so you will be charged added fees. money can be in my account and I will be pending for more than 3 days before they deduct my money.
Consumer complaint received 2020-06-27
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

There is still gross problem associated with Bank of America charging checking account fees. During this pandemic ; it has become even more critical to the nickel & dime Governance of BOA to their customers. 

1. For countless years I have fought with BOA about checking fees ; as they're both charging me and receiving an interest free loan on the $ $ in my account. 

2. With millions of customers, in sum, this capital is then used as margin for investment purposes and/or to loan out in XXXX, XXXX over leveraged. 

3. Because of the potential of this accrual & the actual $ $ made by BOA questionable practices ... It can not be reasonable to believe BOA can then charge a monthly " maintenance fee '' without also profit sharing with my portion of the portfolio. 

4. I've had 2 Advantage Plus Banking accts since 2013 at a rate of $ XXXX " Maintenance fee '' that equals around $ XXXX that could serve a great survival purpose RIGHT NOW.
Consumer complaint received 2016-02-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMERICAN INTERNET MORTGAGE (VA)

I have had a loan with AIM since 2010, I have been paying twice a month all along. Well I am getting documents together for the sale of this property, and I find out that AIM has been keeping my first monthly payment in a non-interest bearing account until the second payment comes in and applying it all at once. I received absolutely NO benefit from paying twice a month like I expected.
Consumer complaint received 2017-03-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (UT)

Chrysler Capital is reporting as a repossession/charge off on my credit report but it is not. It was redeemed some time ago and I need it to show accurately. They are in violation by reporting wrong. It needs to show Open, active.. Redeemed repossession.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Hotel and travel ) XX/XX/XXXX
Consumer complaint received 2020-12-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (WA)

I registered for the PayPal promotion at https : XXXX on XX/XX/XXXX. ( Please see the proof in the first attachment ) The promotion offers a {$25.00} cash reward after three purchases of {$35.00} or more using PayPal at XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. 

I made the 3 purchases at XXXX on XX/XX/XXXX ( Please see the proof in the second attachment ), but did not receive the {$25.00} credit as promised from the promotion. The promotion fulfillment window of XXXX business days has now passed, and PayPal has not credited the reward. 

I had contacted PayPal support several times, who has been unable to resolve this issue. 

The promotion is still active and being advertised at the original link as of today, XX/XX/2020. 

I appreciate your help in resolving this issue and having the {$25.00} reward applied to my PayPal account.
Consumer complaint received 2018-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

So I get a promotional offer from USAA to use a convenience check, 0 % interest through XX/XX/XXXX with a {$75.00} or 3 % fee whichever is less I GET A NEW ROOF AND PUT {$9100.00} ON IT I have been a USAA member for 35+ years and never had a problem like this My XX/XX/XXXX showed a {$2.00} interest charge on $ I called on XX/XX/XXXX XXXX and talked with XXXX XXXX and asked how since I always pay off my new purchase balances monthly how did I get charged interest since my {$9100.00} does not start applying interest unless it Is not payed off in full by XX/XX/XXXX? 
She put me on hold, reviewed the offer and my account and came back after a few minutes. She agreed, removed the interest and said she would put in a trouble ticket to get this corrected so it would not show up again. 
My XX/XX/XXXX statement once again show an interest charge of {$4.00}. 
I called on XX/XX/XXXX XXXX XXXX XXXX XXXX? and eventually request to talk to her boss and get transferred to XXXX a Senior resolution specialist and after a 35 minute conversation she says the interest is correct even though I explained what was done last month and she cant expalin clearly why I am getting charged interest on a no interest offer. 
I ask her to put her boss on the line. We go through all the above and says the interest is on the entire account balance for how many days during that billing cycle, your grace period no longer applies. In short she says if you buying nothing else each month, your interest will be 0 % as the only balance is the {$9100.00}. 
The offer did not clarify interest is charged on new purchases, very deceiving and unlike other cards that would not charge any interest!
Consumer complaint received 2016-07-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NJ)

Ditech has reported a payment with a code XXXX instead of a code XXXX on my credit report. It is preventing me from refinancing and has caused one of my credit card companies to suddenly lower my credit limit. This code XXXX stands for a bankruptcy or foreclosure. I have never made a late payment to them or anyone else. All of my other accounts report all code XXXX with the exception of Ditech. They told me upon calling them that they do not report my loan at all, yet I am looking at it on at least XXXX credit reporting agencies.
Consumer complaint received 2017-08-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

To whom it may concern, XXXX XXXX, 2017 My name is XXXX XXXX XXXX and I have a complaint against Citizens Bank located in XXXX, Ohio. I am writing this letter as a short explanation as to how this transpired. I closed my account with Citizens Bank on XXXX XXXX, 2017 and switched to XXXX XXXX around the same time. Upon switching banks I notified all parties whom electronically withdraw monthly payments, as to this change. XXXX XXXX XXXX, who holds my car loan, was not made aware of this change ( due to an internal error ), and proceeded to take my car payment from my old CLOSED account through Citizens Bank on XXXX XXXX, 2017. Instead of Citizens Bank notifying XXXX XXXX that the account was closed, they charged me a {$35.00} NSF charge, and did not pay the payment to XXXX XXXX Bank. As an apology to myself from XXXX XXXX, they sent me four gift cards in the total amount of {$40.00} to cover any NSF charges. I did not feel I owed ANY fees to Citizens Bank for the simple fact that the account was already closed. When I withdrew the remaining monies I had in XXXX XXXX on XX/XX/XXXX, in the amount of {$18.00}, I informed them that I was closing the account. I have not received any notice from them as to this being closed. According to Citizens Bank, I have a negative balance of $ XXXX. I am curious as to how I can obtain a negative balance in an account that is no longer open according to my records? I believe that Citizens Bank is performing illegal banking procedures, and unfortunately I am not the only one who has been affected by this. I am seeking that the account that I had with them be acknowledged that it is closed and that no monies are owed AT ALL. I would like an official letter from them that states these conditions for my records. Thank you for your attention in this upsetting matter. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-01-28
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. (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC I demand you to remove the account from all 3 of my credit reports asap or I will file litigation against your company for furnishing a false account on my credit report.

I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items I demand every item on this letter be reinvestigated for the completeness and accuracy and deleted as it dont meet the standards that are required under the us code.

PLEASE BLOCK ALL THE ACCOUNNTS LISTED ON THIS FTC REPORT, THESE ACCOUNTSARE NOT MINE. IVE BEEN A VICTIM OF REAL NAME ID FRAUD. THE COMPANIES LISTED ON THE FTC REPORT HAVE TO VALIDATE THE DEBT AS BEING MINE AND VALID. MY LEGAL NAME IS- XXXX XXXX XXXX XXXX PLEASE REMOVE THE FOLLOWING NAMES AND ANY OTHER NAMES YOU HAVE ON MY CREDIT REPORT THAT MAY NOT BE LISTED ON THIS DOCUMENT.- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY CURRENT ADDRESS IS- XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE THE ADDRESSES AND ANY OTHER ADDRESS YOU HAVE ON FILE FOR ME.- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY PHONE NUMBER- ( XXXX ) XXXX XXXX. PLEASE REMOVE THE FOLLOWING NUMBERS AND ANY OTHERS PHONE NUMBERS YOU HAVE LISTED ON MY CREDIT REPORT.- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE REMOVE THE FOLLOWING EMPLOYERS AND ANY OTHER EMPLOYERS THAT ARE NOT LISTED.-XXXX XXXX XXXX MY SOCIAL SECURITY NUMBER IS- XXXX. PLEASE REMOVE ALL OTHER XXXX.
Consumer complaint received 2023-01-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OR)

I am a HUD Certified Housing Counselor and submitted complete documentation for the Homeowner I am assisting, XXXX XXXX XXXX to be reviewed by his Servicer, LoanCare. 
On XX/XX/XXXX I received a letter from LoanCare as part of XXXX XXXX Foreclosure Avoidance program verifying that the document package was complete for review. LoanCare has exceeded the CFPB guidelines for Loss Mitigation review of 30 days to make a decision. 
As of XX/XX/XXXX, the Homeowner received a Letter stating that LoanCare was " Pending Investor Approval '' LoanCare has continued to call the Homeowner during this time with the collector stating that there are no documents submitted for Loss Mitigation review, or to the Homeowner Assistance Fund program in Oregon where the Homeowner is in the Underwriting Stage, and shows that the state of Oregon has reached out to LoanCare requesting documents. 
This ALSO is a violation of CFPB Guidelines.
Consumer complaint received 2020-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PENTAGON FEDERAL CREDIT UNION (IA)

I have been locked out of my penfed checking saving and line of credit account for several weeks. I have sent in my documents I have done everything I can do and Im still locked out I have a dispute open for global coins roughly XXXX or so dollars was taken from me. I cant check my account balance or anything everything is locked. My overdraft line of credit is over the limit and i cant pay on it i did try to pay some bills and spend money I was expecting a irs direct dep and it never came they have sent back my paments and have cost me several hundered dollars in fees my XXXX  XXXX was shut down becuase they are sending everything back as fraud when the only thing i disputed was global coins I am sending all the forms to you maybe you can get them to help me im also sending you a financial hardship app to send to them please note my id is currently for mo i am working on getting it replaced
Consumer complaint received 2018-03-29
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: Santander Consumer USA Holdings Inc. (LA)

I have noticed that I have a hard credit inquire from your company on my XXXX, XXXX  and XXXX XXXX credit file dated XX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization.

Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX onXX/XX/XXXX with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX  # XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.

Please contact me if you have any questions.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX  Email : XXXX XXXX
Consumer complaint received 2018-07-10
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: HSBC NORTH AMERICA HOLDINGS INC. (FL)

I realized I was a victim of identity theft when I received notification on my credit report that HSBC pulled my personal credit in XX/XX/2018. Then it began reporting a 'new ' credit card with HSBC XXXX I did not contact HSBC to open up this account. While doing research and calling HSBC I found out that the perpetrator not only called to apply for this card with my personal information but that he also went to the post office and changed my address to his personal address in order to receive my mail at his residence. I don't know this perpetrator is, and have placed a fraud alert on my credit reports. I also went to my local police department and I filed a id theft police report.
Consumer complaint received 2016-05-16
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Blackhawk Network Holdings Inc. (WA)

Blackhawk XXXX gift card. An on-line merchant employee took card info during a purchase and attempted several transactions. XXXX succeeded ; XXXX XXXX XXXX for {$250.00}. Blackhawk says it was a valid transaction and refuses to return the money to me.
Consumer complaint received 2023-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Associated Credit Services, Inc. (FL)

I was the victim of identity theft and a loan with XXXX was taken out fraudulently in my name. I submitted the required paperwork with XXXX to initiate a fraud claim on XX/XX/2022. On XXXX XXXX, 2022 XXXX confirmed that my fraud claim was substantiated. As of today. XXXX XXXX, that claim was confirmed two additional times, on XXXX XXXX and XXXX XXXX. Due to administrative error, the debt was sold to XXXX XXXX XXXX on XXXX XX/XX/2022. I also received a letter from XXXX XXXX dated XXXX XXXX. I contacted XXXX about this, and they confirmed on XXXX XXXX, both via phone call and email, that the fraud claim was substantiated and I was not responsible for the debt. Further, they stated that they had purchased the debt back from XXXX XXXX XXXX. On XXXX XXXX I received a letter from Associated Credit Services saying that I still owed the debt. I contacted ACS on XXXX XXXX and was directed to forward my documentation to XXXX. I did so, however when I returned a phone call from ACS later in the day I was told that my fraud claim had been rescinded and that I need to pay a minimum of {$3200.00} to clear the debt. I refused to do so and the agent ended the call.
Consumer complaint received 2020-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

1 ) I spoke to a female manager 2-3 days ago about the {$31.00} credit sitting in my XXXX XXXX XXXX. I requested the manager NOT to send me a check but to put the money in my bank account, the bank account details are already set up in my American Express account. She said it would take take upto 3 days for the redeem to complete and then once the amount shows up in my card, she will wire the money in my bank account. I told her I am currently overseas and gave her my overseas mobile number and she said she will call me in my overseas phone number and confirm me on the wire. Never got a call back from her. Then a day later received a message saying there is not enough money in my card to be sent to my bank account.

2 ) Called American Express today and the female representative says that email was sent before the amount showed up on my card. She then asks me to provide my bank account details and the routing number to her on the phone. I told her my bank account details are already set up in my Amex account. She said I still need to give her my bank account details on the phone for her to put the money in my bank account. She said she would not tell or give my bank details to anyone and that I can trust her. ( What she was saying, these kind of things normally come from scam calls we receive on our phones sometimes. ) She sounded very suspicious and strange. I hung up the call and call again.

3 ) I ask for a manager directly and I was put to a male supervisor. The supervisor said the system is not letting him transfer the money to my bank account. He said he will speak to the first manager.

1 hour on phone call with Amex and I could not get my {$31.00} transferred to my bank account. This is not what we expect from American Express. Exactly how much of XXXX do I need to take to get this money sent to my bank account!?
Consumer complaint received 2020-06-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Results Unlimited, Inc. (VA)

XX/XX/20 Results unlimited collected XXXX all the money we saved for a place of our own to live now they are holding XXXX from the same account. the original debt was for XXXX dollars. ( XXXX XXXX dollar. ) The check for ( XXXX ) was sign and cashed by their staff but was not reported as paid to courts. Our bank has the sign copy of the check. 
Results Unlimited XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX
Consumer complaint received 2020-06-27
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 (NV)

Order XXXX On XX/XX/20 I returned a compact 1.5 cu ft dryer to XXXX XXXX on XXXX XXXX XXXX XXXX in XXXX XXXX, NV. XXXX. Supervisor XXXX & cashier XXXX, whose name is on return receipt stated my having closed Paypal account after purchase on XX/XX/20 would not place return in limbo. Today, XX/XX/20 XXXX stated refund landed at Paypal who refused to issue to my bank. This is theft.
Consumer complaint received 2018-07-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

I just received a letter from XXXX XXXX at CITI. As far as I know I have never had a CITI bank card. They stated the amount was {$200.00} principal, {$160.00} interest and {$240.00} in fees for a total of {$610.00}. They want me to call XXXX XXXX XXXX. at XXXX, which I will not do. I see there was a lawsuit in 2016. 

Please advise. 
XXXX XXXX