davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP (FL)

Back in XXXX of last year I went on a Website called XXXX XXXXXXXX and found I had an unclaimed refund due in the amount of {$4400.00}. I never received the check and in XXXX of 2023, I called to inform them I had never received the check. They advised me to request a duplicate check. Soon after I was informed that the check was cashed. 

I was told to request a copy of the check through the Department of Financial Services public records request portal to verify it was not my signature which I did. It said on the check it was cashed The signature is not mine and when I called the bank that cashed it, US Bank in XXXX XXXX XXXX they asked for a copy of the check which I provided them. After some back and forth I get the following reply : Hello XXXX, At this point, we are unable to submit a claim regarding this issue due to insufficient information on the check image. Well need a copy of the check with the redacted information. My understanding is that youll need to file a public records request. Once we have the check image including the redacted information, well be able to research and submit a claim. 
Let me know if you have any questions. 
Thank You, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | Email : XXXX Banks never want to take responsibility for their mistakes and I keep getting the run around. Bottom line is they cashed a State issued check to someone it didn't belong to.
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

Flew with XXXX XXXX XXXXXXXX XXXX XXXX on XXXX from XXXX XXXX XXXX XXXX XXXX via XXXXXXXX XXXX XXXX XXXX to XXXX XXXX XXXX Agreed and paid advertised total charge online with Citibank Costco credit card visa ending in # XXXX an amount of {$1300.00} XXXX. At airport was compelled to pay additional charge in cash for two suit cases by XXXX XXXX agent {$120.00} XXXX or will not issue boarding cards. During flight had no TV/internet on both seats as advertised & could not move to other seats since plane was full - incident was reported to flight attendant sup. who alerted XXXX maintenance operation via Email. On arrival at XXXX XXXX, found one of the suit cases has been broken/vandalized by XXXX baggage handlers & personal belongings thrown all over conveyor belt. Reported incident to XXXX luggage handling supervisor who assured us to convey message to XXXX authorities. Subsequent to flight, received Citibank visa credit card with additional overcharges by XXXX of {$130.00} on statement for same subject flight. Was compelled to open XXXX claim online for this incident case # XXXX & case # XXXX who through numerous Emails used contradicting excuses for not paying anything on said claims and lying about it by providing different bogus reasons. 
Subsequently, when reporting the issue to Citibank Visa XXXX XXXX XXXX. sup. XXXX XXXX ID # XXXX Arizona office Citi ID # XXXX XXXX XXXX & ID # XXXX XXXX XXXX and the Office of the President at XXXX XXXX XXXX XXXX XXXX South Dakota XXXX Citibank agreed to reverse the charges. However, when they heard from XXXX that we actually did fly with XXXX, they re-reversed all charges and put them back on my statement including interest & penalties.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC. (MS)

I am writing to file a formal complaint against Exeter Finance for their improper treatment of my payments on my credit account. I believe that their actions are in violation of consumer protection regulations, specifically the Fair Credit Reporting Act ( FCRA ) which states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I paid the car off early we settled on an amount
Consumer complaint received 2016-05-16
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: STATE EMPLOYEES CREDIT UNION (NC)

To whom this may Concern, My name is XXXX XXXX XXXX, and I 'm a member of the SECU. I reside in XXXX, NC. 

I 'm sending this email as my rights a as member have been significantly violated. On Friday, XXXX XXXX, I had someone deposit money into my account. They did n't have my account number, only my first, middle, and last name, along with my address to assure it went to the right account. 

They followed back up with a confirmation that they money has been deposited, and sent me a picture reflecting my balance in my account. I 'm livid right now, as it is no one 's concern as to how much money is in my account, and it puts me at a disadvantage when trying to have my privacy. I have dealt with SECU for a few years, and have even made deposits in other 's accounts, and I know this is not the proper protocol to expose my information. 

I 'm out of the country for the next two months, or else I would have visited the bank in person. I need to be communication with a Senior level or even corporate manager to notify them of what happened. The teller also needs some ramifications to take place on their part as I 'm a victim of having my information unwillingly exploited. I still have pictures on my phone reflecting the receipt the individual received before leaving the bank. 

I need to know my rights also as a member and potential compensation for my right being violated to ensure this does n't happen to another member moving forward. This has unfortunately put me in an uncompromising situation. 

Lastly, email right now is going to be the best form of communication, as I 'm in XXXX for the next two months.l Thanks,
Consumer complaint received 2024-05-05
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV INC. (CA)

I, XXXX XXXX XXXX receive unemployment from the state of CA through XXXX and for the second time in less than 3 weeks I have become a victim of fraud. I was recently in the XXXX  for a XXXX  XXXX, and I was admitted on XX/XX/year>, My card was in my possession prior to my accident, and nobody has access to it. I was released from the hospital yesterday evening XX/XX/year> and that night and I was unable to locate my card, it was missing, and my vehicle was totaled so I was unable to locate it at the wrecking yard. I called money network, and they sent me a new card and filed a claim for my missing card, I checked my account and noticed numerous withdrawals that were not done by me, or anyone authorized by me. This is the second time that this has happened, and I am at a loss for words on how this happened a second time. I have listed 6 different transactions that took place and over a XXXX dollars stolen, I feel violated and frustrated. I reached out to the XXXX where my card was used my asked about obtaining surveillance footage from the dates listed. I was told a manager will contact me and I informed them of my police report and asked that they reach out to the officer who took my report. Enough is enough, please stop this from happening, I am under the impression that my card was skimmed because the missing card had an issue with the magnetic strip and I could not use it, the XXXX employee told me they are in the process of removing that ATM as it has been the center of numerous problems and in fact Officer XXXX whos Badge number is XXXX informed me of recent incidents that are being investigated resulting in theft or unlawful use of personal identifying information for fraudulent purposes which is a felony under Californias penal code PC XXXX when the theft exceeds {$900.00} which in this incident I reported exceeds {$1300.00}, so it is a felony. I really hope the person responsible for this crime is caught, I will be pressing charges, and I will want the individual or individuals prosecuted. 

Missing/ stolen card reported XX/XX/year> 5 ATM transactions not authorized by the victim occurred at XXXX between XX/XX/year> & XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> {$300.00} / {$300.00} / {$100.00} / {$120.00} / {$80.00} 1 ATM withdrawal was done in the XXXX XXXX XXXX  XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX {$420.00} Police report stating stolen card is attached and hospital stay discharge instructions also attahced.
Consumer complaint received 2020-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Technology Federal Credit Union (PA)

I noticed debt on my credit report that wasnt mine. THIS DEBT IS A RESULT OF FRAUD. The creditor is First Tech FCU and the amount is over $ XXXX. I filed a identity theft report with the FTC and diputed this account as fraud. I notified First Tech FCU and I am now getting collection notices from XXXX XXXX  XXXX on behave of First Tech FCU.
Consumer complaint received 2024-04-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SOFI TECHNOLOGIES, INC. (OR)

Last fall I made contact with SOFI Bank by phone at ( XXXX ) XXXX, and over the next 4 weeks managed to talk directly with " XXXX '' in loans and he looked up the account where the subject funds were sent and reported that it had been tagged as having suspicious activity. He reported that the wired funds were on hold in that account. 
Through further discussions with the SOFI Fraud Security Department, I was advised that they could initiate recovery and return of my funds when XXXX XXXXXXXX XXXX  would sign and send a Hold Harmless Letter and Letter of Indemnity to SOFI. 
XXXX XXXX XXXX XXXX XXXX  department managed an investigation into this matter and reported that SOFI did not send copies of the documents they wanted signed so, XXXX XXXX was going to do nothing further to recover my stolen funds. 

My original complaint was designated as CFPB # XXXX
Consumer complaint received 2024-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TN)

I received phone calls from credit collection services XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, phone number XXXX. They stated XXXX XXXX insurance said I owed XXXX. I sent a copy of my new insurance showing I was covered prior to renewing with XXXX XXXX. This was around XX/XX/XXXX. I heard nothing until around XX/XX/XXXX. This collection agency again contacted me saying I owed XXXX XXXX XXXX dollars. I sent the required documents. XXXX of XXXX, I was notified by my XXXX  and XXXX XXXX, that credit collection had placed the account on my credit reports.
Consumer complaint received 2024-04-20
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XX/XX/XXXX Dear Bank of America , Bank of America has sent Form 1098 as the Mortgage Interest Statement for XXXX that says I have an outstanding mortgage principal of {$110000.00} yet when I ask for the pay off on this loan you as of XX/XX/XXXX, under Annual Disclosure Notice to Mortgage, the pay off balance is {$170000.00} which is {$56000.00} more than what you are claiming to the Internal Revenue Service on Form 1098. As a reminder, I entered a contract with you for a house in the securities amount for approximately {$160000.00} in XXXX and now the NOTE shows it is more than it was XXXX ( XXXX ) years ago. Explain the discrepancies. 
I have the following request from you as the bank representative and from the bank : Disclose to me how you came up with me having a second mortgage. 
Show me how the transaction was made. 
How did you come up with those figures and why the payoff to the mortgage is more than {$56000.00}? 
I want to see the pre-approval paperwork for this 2nd mortgage loan Provide the copies for loan application for the 2nd mortgage, appraisal papers as well as the award letter. 
How was the verification of my employment done? 
What income were your provided for this 2nd mortgage? 
What was my credit score at the time of this 2nd mortgage? 
Who was the underwriter for this 2nd mortgage? 
Also, submit documents to me pertaining to the person who serviced this loan. 
Provide me with the attorneys information on the signage of the 2nd mortgage. This request and/or demand is for the 2nd mortgage especially since I did not sign for the 2nd mortgage. 
Make a comment and comparison of the signature from my first and only mortgage to that of the one you now have for the 2nd mortgage. They are not the same. 


( address removed for posting to CFPB )
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

XXXX XXXX  : This is a credit card that I once had, closed the account and paid the balance, yet the creditor continues to report misinformation about the account to the credit bureau 's and significantly impacts my score each time. Anywhere for XXXX XXXX  this has been happening after disputes. I believe the creditor is maliciously targeting my credit and there's not much I can do other than dispute. 

CAPITAL ONE-ALL : This is a credit card that I once had, closed the account and paid the balance, yet the creditor continues to report misinformation about the account to the credit bureau 's and significantly impacts my score each time. This creditor broke my final payment so that they could report negatively on my credit report, and reporting an incorrect balance and close date. 

XXXX XXXX XXXX : I have two closed accounts with this creditor, in which, in dispute I requested that they remove the negative ratings on the closed accounts, especially since I continue to have a unsecured loan with the creditor. This negative association impacts my creditworthiness but the same creditor can issue new loans to me. The negative rating is associated with the creditor having an open payment status but both loans were paid early and closed. 

XXXX XXXX XXXX  : This creditor is reporting an incorrect, unverified, sold collection and despite disputing will not remove. 

XXXX XXXX XXXX XXXX This creditor is reporting an incorrect, unverified, sold collection and despite disputing has not responded within the thirty day timeframe.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP (NY)

Hi there I been working with key bank trying to open a account because I cant put my XXXX funds into any account they refused to open it due to a thing they said they seen XXXX XXXX thats why I cant get any account ok the XXXX XXXX  report came today and key bank is not on my account at all so I called the XXXX office now to tell them its not on there the XXXX XXXX key bank but now there saying I never had a open case before
Consumer complaint received 2024-03-18
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Sunlight Financial LLC (WI)

XXXX XXXX to out a line of credit to provide services at a residence. XXXX XXXX XXXX was the contract to recieve funds from Sunlight Financial. Which works with XXXX XXXX XXXX. XXXX XXXX was aproved for up to {$70000.00}. 

On XX/XX/XXXX of XXXX, Sunlight Financial released {$29000.00} to XXXX XXXX XXXX at XXXX. At XXXX : pm on XX/XX/year> XXXX XXXX called and emailed Sunlight FinancialXXXX XXXX XXXX  in regards to the unauthorized payment! It was an unlawful 2nd draw, which result to a {$60000.00} balance. 

Not only did the company release the funds! Sunlight Financial/XXXX XXXX XXXX  is listed on XXXX XXXX credit report with the balance and interest is being charged. They have not solved the issue yet are collecting payments. Right now they have my file with there attoney is all I am getting!
Consumer complaint received 2024-02-11
Product: Mortgage — USDA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Shellpoint Partners, LLC (IN)

Company used my identity to create a fraudulent Promissory Note and Mortgage Lien for property that doesn't exist. They were given a land parcel number for the non-existing land/property and a non-existing address for same land/property. In which they used to receive a USDA loan in the amount of {$220.00}, and now claiming I owe the debt.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (VA)

This is my second complaint involving Lexis Nexis. The first complaint the company closed the account without responding. Lexis Nexis provided me a link for my personal information. My personal information has nothing to do with this case. The company refused to provide me with any information that they are forwarding to other agency. I don't have a contract with Lexis Nexis and I did not give them authorization to have my information or forward it to any agency.
Consumer complaint received 2024-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

On XX/XX/2023, I received a letter from Mohela stating that my student loan had been forgiven because I had satisfied the requirements of the PSLF program. Payments were no longer required and I actually was issued a refund of {$460.00}, which was equal to two months worth of payments. I called Mohela to confirm I was receiving a refund and was told I would receive it shortly. It was deposited into my checking account within a couple of weeks. My online account reflected a XXXX balance as did my Federal Student Aid account on both websites. 
In XXXX, I started receiving billing statements from Mohela, which was confusing to me. The balance showed as back to the amount that I had been told was forgiven. I had a new payment due in XXXX. The account had also accrued interest, which was also unfair as the interest was more than my actual payment, which means that interest started being calculated even before I was notified. The interest should not be more than the payment or else the loan will never be paid off as nothing will ever go to principal. 
On the XXXX of XXXX, I received a letter that the forgiveness of my loans was an " error '' and that they now determined that I did not meet the forgiveness requirements. Everything was reinstated on both the Mohela website and the FSA website. This error is completely unacceptable. To send a notice that a loan is forgiven and that payments are no longer required to then change course a few months later is an awful business practice.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX  loan servicer transfered my loans over to XXXX. Afterwards, I received XXXX  loan forgiveness. The issue is that XXXX is double reporting my XXXX  loans eventhough they no longer service my loans, even with the XXXX forgiveness. 

The loan amount shown on my credit report has almost doubled. It shows that the loans were forgiven and then added back to the original balance before the forgiveness. All XXXX balances should be closed/transfered and my balance should read almost $ XXXX instead of over XXXX. 

The XXXX, XXXX and XXXX websites reflect my transfers and correct balance, but are failing to correctly report it to the credit bureaus. XXXX says they were unaware of the reporting. 

Experian has tried to dispute it, but says XXXX has not made the correction. However, Experian left me an message saying that the information was updated, but yet the balance and XXXX still remains.
Consumer complaint received 2024-04-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (GA)

Subject : Request for Review and Adjustment of Mortgage Payment Due to Unnotified Increase in Homeowner 's Insurance Premium Dear Sir/Madam, I am writing to express my concern and seek resolution regarding a significant and unnotified increase in my monthly mortgage payment, which I discovered while compiling documents for my XXXX tax filings. My mortgage payment has unexpectedly increased by {$290.00} per month, a change I was not made aware by any parties involved. Upon investigation, I learned that this increase was due to a rise in my homeowner 's insurance premium in XX/XX/XXXX, as well as adjustments in property taxes.

My homeowner 's insurance is paid through an escrow account, with my mortgage company listed as the lien holder with the insurance company. Thus, the increased rate was paid without my prior knowledge or consent of the increase. This adjustment led to a shortfall in my escrow account, resulting in the mortgage company back billing me for the deficiency. My monthly payment increase {$290.00} from XX/XX/XXXX to XX/XX/XXXX. 

My mortgage company was contacted without an explanation yet and upon my investigating the matter and contacting my homeowner insurance provider, I was informed that the rate increase was attributed to inflation. While I understand that inflation affects us all, the lack of notification about this increase is particularly distressing to me as a single female homeowner. It is important to note that pay increases from my employer have not been commensurate with inflation for many years, making this unexpected financial burden even more challenging. 

Despite several lengthy discussions with the insurance company, and while minor adjustments were made, I was ultimately informed that the rate increase could not be altered. It is worth mentioning that I have not filed any claims, nor has there been any financial output or loss to the insurance company to justify such an increase. 

Given these circumstances, I respectfully request a thorough review of my account and an adjustment to reset my mortgage payment back to the rate I had budgeted which is a more manageable amount. The unauthorized and unnotified increase, which solely benefits the insurance company, raises significant concerns about the fairness and legality of this practice. 

I trust in your commitment to customer satisfaction and fairness, and I hope we can find a mutually agreeable solution to this matter. I am more than willing to provide any additional documentation or information required for your review. 

Thank you!
Consumer complaint received 2024-04-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc. (FL)

I contacted GLA collections regarding a debt showing up on my credit report. I was told they own debt for services received from XXXX XXXX XXXX XXXX {$550.00}. The GLA representative mentioned the debt is less than {$500.00}, but she doesn't have the details. They have flagged the account with account information disputed by the consumer, which meets FCRA requirements but isn't true. 


I asked GLA collections for written details of any documentation regarding the debt, including dates of services, providers ' names, locations, and itemized statements, several times. I was told they could not provide any supporting information. Nor can they reach out to the original creditor to access the information.