davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-13
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BMO Bank, N.A. (IL)

I got this Credit card while I was an employee at BMO Harris. During the time that my father passed, I missed a payment and it has been on my credit ever since. It is the only late payment that I have had since I 've had this card and it is affecting my credit score. I have been calling to find a resolution to this situation.
Consumer complaint received 2015-11-16
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Io, Inc. (VA)

I sent a written cease and desist letter via fax on XXXX XXXX telling them that I would contact the originator of the alleged debt to work out any concerns. I received a notice from the RMS on the XXXX stating I had 10 days to pay them with fees and interest or they would contact the credit reporting agencies.
Consumer complaint received 2021-04-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

XXXX XXXX called me around XXXX and asked me to open a checking account. Around XXXX banks no longer mailed cancelled checks or checks cashed by biller, back to the payer or account owner. They now scan these checks. Santander has debited checks made to biller XXXX who have not signed the back of the check. Also Santander Bank who took over XXXX XXXX accounts is not debiting purchases made with debit master card immediately. Causeing overdrafts. The reason being around XXXX, I opted out of being able to over draft my account with my debit card. These purchases or transactions are supposed to be turned down or cancelled for insufficient funds. Santander Bank told me that I am still opted out of being able to overdraft, but tonite, they have decided to keep a debit card purchase made to XXXX 's on XX/XX/XXXXat XXXX, in pending status, without debiting it from the account balance, which would have prevented other purchases ( that are pending and debited ) from being allowed to go through. Also, Santander customer service assured me that their calculator is never wrong and that purchases are debited immediately after appearing in the account and not held in pending without being subtracted from balance, as is the case now. And if purchases do not show up after being made with debit card, then they were turned down or cancelled purchases.
Consumer complaint received 2019-06-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (VT)

They delay processing payments submitted by check/mail. When I called they told me that their " official policy '' is to handle all incoming payments " within a few days up to a couple weeks ''. This is unacceptable and results in me paying increased interest. I have to monitor it online and it could have resulted in missed payments if I didn't also make payments online. I believe that this is an ongoing, established practice to increase revenue and charge the borrowers more interest.
Consumer complaint received 2017-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

My mortgage was transferred to SLS  ( Specialize Loan Services ) in  Colorado, from  XXXX   XXXX . Since then there have been nothing but PROBLEMS! First, the claim my home was in BANKRUPTCY and I need to reaffirm the loan ... 100 % FALSE! Second, they claim I have a 40 year mortga ge, FALSE! I have  a 30 year fix that expires in  XXXX  ... third, I can not make payment online like I have for the past 15 years ...  .they ma ke me use  XXXX   XXXX  and my payment is not credited to my account for 15 days AFTER I MAKE THE PAYMENT!!!!! fourth, every month, there is some sort of online computer problem and I cant long on to my account ... .and I spend DAYS trying to get a hold of someone in customer service!!!!!!!!!!! I keep getting the RUNAROUND and NOTHING HAS been resolved!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2022-08-10
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: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous items which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$130.00} XXXX XXXX  XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$240.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$280.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$110.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX & XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any item in the file of a consumer that the consumer identifies as items that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2016-09-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UMPQUA HOLDINGS CORPORATION (CA)

My wife and I invested in XXXX, XXXX, XXXX, ( parent company : XXXX ) in 2001. We purchased the stock @ {$10.00} share and added more stock over the next couple of years @ {$10.00} to {$11.00} per share. The stock grew to over {$20.00} and settled around $ XXXX/share. One Friday morning, with no notice before, during or after, the FDIC closed the doors of the bank, turning the assets over to Umpqua Bank of XXXX. We lost approx. {$280000.00} of our retirement and never heard a word from anyone at FDIC, the bank, it 's board or anyone else. The only contact left was Umpqua who were not responsive to our requests for more information and did we have any alternatives to what happened. This destroyed our XXXX as we are now XXXX years old and have very limited funds. Do we have any recourse? We desperately need the money or some portion of it to sustain our lives. The closure was a few years ago now, but we only recently found out about CFPB. Please help.
Consumer complaint received 2017-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NC)

I was approved for and activated an American Express ( Delta Platinum ) credit card onXX/XX/XXXX,  and incorrectly assumed that the annual fee of {$190.00} would be waived for the first year and that I would receive a companion certificate for airfare purchase. Once I found that out, I called in more than once to speak with Customer Service, to see if that could be negotiable. I was ultimately told NO on XX/XX/XXXX, and so on that date I cancelled the card and closed the account, and paid off, on that same date, the {$1200.00} that I owed in purchases that I had made ( minus the {$190.00} annual fee that I had decided NOT to pay since I was not going to keep the card ). Now, keep in mind that I had already, on XX/XX/XXXX, paid off the first statement I received for {$250.00} - which included the {$190.00} annual fee ). Then, I asked AMEX to simply allow me to do that and have us be " done with each other. '' Again, on that same date, they said NO - that I still owe the {$190.00} annual fee, plus {$34.00} in fees & interest. Keep in mind that I only had the card for 6 weeks! I followed up by letter, again requesting that, since I paid off what I purchased, and had cancelled the card, to please close all business between us, to which they responded by letter, again saying NO - that the charges were correct. <P/>Now, what can I do? I am getting monthly statements, with additional fees & interest, for a credit card that I have already closed, paid off purchases for, and I feel both harassed and trapped. Can I stop all of this without having to pay these charges that I disagree with? The most recent XX/XX/XXXX statement has me " owing '' {$270.00}!
Consumer complaint received 2017-04-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: LendKey Technologies, Inc. (NY)

I paid my loan on XX/XX/XXXX, and received confirmation. My loan servicing has now been transferred from XXXX XXXX XXXX XXXX to XXXX to Lendkey, and Lendkey is saying I have not made a payment yet and that it is overdue ( although this information should have been carried from XXXX ). I would like to know why my payment is not reflected in this new account. I would also like to receive verification of this debt now that it is with a new servicer, including the signed promissory note.
Consumer complaint received 2017-04-14
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Since XX/XX/XXXX, I 've used a Kohl 's credit card with all payments made promptly until XX/XX/XXXX. In XX/XX/XXXX, I changed my billing method from " paper '' to " electronic '' billing and in XX/XX/XXXX, Kohl 's called stating I neglected to pay them for the months of XX/XX/XXXX and XX/XX/XXXX, so I immediately sent in the full amount owed. I discovered that when I switched from " paper '' to " electronic '' billing, the Kohl 's bill went to my " spam '' email folder without my knowledge. Meanwhile, we were busy preparing our home for sale, and I lost track of the fact that my Kohl 's bill was delinquent. I subsequently sold my home and have an offer on a new home that we can not purchase because XXXX XXXX reported the missed payment exceeding 30 days to the credit bureaus. I reached out to Kohl 's Corporation Executive XXXX XXXX on Friday, XX/XX/XXXX, and a representative from her office, XXXX XXXX, contacted me XX/XX/XXXX. I requested a letter to be faxed to my mortgage broker to include the following information : 1. The customer is current on the account. 
2. The customer 's credit status is : " payed-as-agreed '' with the " late fee '' designation removed. 

The letter she faxed did not contain the requested information, and so I contacted and she reluctantly agreed to a conference call to include I and my mortgage broker on Wednesday, XX/XX/XXXX between XXXX- XXXX Pacific time. We called her at XXXX, left a message and, thirty minutes later called again, and there was no answer to either call, nor were my subsequent voice messages returned. It is now, Friday, XX/XX/XXXX, and we will lose the house we placed an offer on because we can not qualify for the new home loan until Kohl 's responds to our request. 

While I respect the right of the Kohl 's Corporation to collect debt, I have been a card holder since XX/XX/XXXX with no late payments and I believe a " courtesy '' call was appropriate before Kohl 's reported it to the credit bureaus. The late payment is my responsibility, but it was due solely to the electronic bill notification going to my " spam '' folder. This was my single missed payment in 7 years, resulting from an unforeseen computer glitch and now I must explain to my family that it results from a department store acting like a bully that we will be homeless in two weeks.
Consumer complaint received 2022-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous items which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$240.00} XXXX  XXXX XXXX ( Original creditor : XXXX XXXX  XXXX ) XXXX Balance XXXX {$280.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$110.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX & XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any item in the file of a consumer that the consumer identifies as items that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2016-04-25
Product: Credit card — 
Issue: Billing disputes — 
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

The original charges of {$90.00} and {$41.00} were charged by XXXX for monitoring. In XX/XX/XXXX I had contacted the XXXX in Arizona to complain about a new security alarm system not working and not being able to make contact for technical service. They have not responded to XXXX. Therefore, XX/XX/XXXX I called the dispute dept. at 53 Bank to register a dispute against XXXX 's monitoring charges of {$90.00} and {$41.00}. Fifth Third Bank issued late payment and interest charges of XXXX against my account on XX/XX/XXXX after I had called disputing the charges. Debits of {$90.00} and {$41.00} were issued on XX/XX/XXXX but the late payment fee and interest remained on my account. I called again concerning the late payment and interest and the dispute dept. told me that they will remain on my account until the issue was resolved and I would either have to pay or they would be removed after the dispute was settled which would take up to 90 days. I asked them why they did n't remove the late payment and interest charges also because I am receiving collection calls on something I am disputing. They told me not to be concerned that my account was documented on the disputes. I am still receiving numerous calls from collection agent on paying this late fee and interest. I told them that I was not paying for any charges that were not justified. I continue to get collection calls and another late payment charge on a balance that was a late payment charge for items in dispute. When I called today they were wanting to switch me back and forth to explain their procedures. My complaint is on their procedure of not removing the late and interest charges until the disputed matter is resolved. To me they are gouging their customers. It took them almost a month to remove the charges from my account and then they want to charge me excessively for late payments.
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (TX)

unethical evaluation of credit card application by US bank : I applied for the credit card with US bank, however, i was approved only for {$600.00} credit limit. I have a very good credit history but they still denied the increase in the credit limit. if my history was not good they should have denied the card at the first place. 
now they are not increasing the limit and issued me the card which is of no use to me.
Consumer complaint received 2016-06-07
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (OK)

My husband is a XXXX veteran XXXX. We bought a home in Oklahoma In XXXX XXXX, At the time of closing we took our documents showing that we are tax exempt in the state of OKlahoma from property, Sales Tax, Excise, Etc : we had a letter from the VA stating the fact that we have been tax exempt since XXXX, The Title company said we had to wait to close then take the information XXXX which we live and get a form filed and is on file XXXX. We sent this information to the Mortgage Company that had the Mortgage at closing they refused to accept the documents saying that they did not have time the proper time to get the documents into there system. They sold the mortgage in XXXX XXXX to freedom Mtg. I sent the first payment minus the taxes. They refused to accept the tax forms that we legally have. They cashed the check but would not apply the amount to the account. Then I sent our payments every month on time they still will not accept the tax exempt status and have threated to forclose on our home. They finally applied XXXX payment resolved the tax issue for the month of XXXX lowered the payment for XXXX XXXX but still have not applied the payment to our account even though we paid more than what the payment was suppose to be. They said we have to make the XXXX Tax payment or they are going to take our home. Freedom Mortgage has all the paper work and document show we have been tax exempt in the state of Oklahoma since XXXX, They have reported that we have not made our payments on time to the credit bureaus. They sent us a letter saying that they removed this information but they keep adding it back to the credit report each month. I have tried talking to these representatives every month. everyday they have called to tell us we have not made our payments when we know the check has cleared the bank. They refuse to do anything about the issue. They said that we are in the wrong. Freedom Mortgage is causing a lot of stress in our life. They have three months of pre paid taxes and the taxes for the month of XXXX that we paid to the first Mortgage company. They want XXXX taxes or they are going to sieze our home. we keep getting late fees, inspection fees, and any other fees they deem they want to add. Please do something to stop this madness. IF we have to hire an attorney then tell us that is what we need to do.
Consumer complaint received 2020-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies. i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.
Consumer complaint received 2017-07-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WA)

In a notice dated XX/XX/XXXX, I was informed that previous payments for my Income Based Repayment plan were miscalculated, resulting in overpayment totaling {$1800.00}. The letter said no further action necessary because it had been credited to my account. I called XX/XX/XXXXin an attempt to retrieve that " credit '' but was told it was already applied to my account. I asked if I could have it reallocated to a different loan they serviced and was told it could only be applied to a federal loan. I had no choice in how this was distributed. I 'm on an IBR plan because I ca n't afford to make standard payments, so obviously, I would n't be overpaying if I had a choice. 1/3 of my income goes to student loan payments. I ca n't find any language in any of my terms of service regarding overpayments when it is the loan service 's miscalculation. I sent a written request on XX/XX/XXXX that they issue a reimbursement check. I have had no further contact with the company.
Consumer complaint received 2017-04-13
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (CA)

I 'm currently serving on XXXX in the XXXX. I applied for the Barclays Bank Luxury Gold card because at the time, Barclays had a great reputation for programs they offered to military members. They went well above and beyond the SCRA standard. They offered 0 % APR as part of the SCRA agreement. They also waived all transaction fees and well as the {$990.00} annual fee to all XXXX Military for the duration of their service. This is the explicit reason I applied for this card this past XX/XX/XXXX. In XX/XX/2016 Barclays decided to change to terms and conditions they offered to new Military members. They stated they were trying to bring them selves in line with everyone else in terms of SCRA. Every card service representative I talked to stated that if you were a previous card holder this would not affect you. Only new account holders after XX/XX/2016. After 10 month of having this card I received a notice in the mail stating that they could no longer honor the original terms and would begin accessing my account the annual fee of {$990.00}. I understand that Barclays Bank went well beyond any other creditor in regards to SCRA. However, not honoring the original terms of agreement to current card members is just bad business.
Consumer complaint received 2022-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MD)

Can not get an accurate update as to the status of the refund that was requested as per the XXXX student debt relief plan. All information that has been given is that it is in progress and was initially going to be 4-6 weeks. The latest call ( XXXX ) has changed the estimated time to 65-70 days. 


XX/XX/XXXX - Initial refund request call XX/XX/XXXX - called for refund status update - in process XX/XX/XXXX - called for refund status update - in process XXXX - called for refund status update - in process XXXX - called for refund status update - no change, now XXXX days