davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (MA)

I settled my LL Bean Visa Acct XXXX debt with Barclay 's Bank by two electronic payments with a total of {$1900.00} pursuant to an agreement dated XX/XX/XXXX. In XX/XX/XXXX, a lawsuit was filed against me by Barclay 's Bank in XXXX ( MA ) District Court seeking full payment of {$4100.00} and failing to account for the settlement or even for the payments of {$1900.00} made in XX/XX/XXXX. I called the bank and spoke to a XXXX who told me they have no record of the XX/XX/XXXX settlement.
Consumer complaint received 2015-10-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MO)

I am having trouble with XXXX XXXX and how they reported to the credit bureaus from XXXX. We had an agreement with XXXX to make fixed monthly payment on one of my accounts. I followed the agreed terms faithfully and made on time monthly payments. They however reported to the Credit bureaus that I was over 120 days late for the period in question. Attempts to speak with someone at XXXX have been futile with every rep saying that the time frame in question is too far back and they can not verify this information. The information they sent to the bureaus is wrong and they refuse to correct it. This has greatly hampered my ability to get favorable terms when I apply for credit.
Consumer complaint received 2016-10-25
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (MI)

Sam 's Club/Synchrony Bank is manipulating their statement dates and late fee dates to their benefit. For example : My statement dates for XXXX were XXXX ; however the next billing statement is n't till XXXX. This leaves a 7 day black hole. My minimum payment is XXXX. I pay XXXX every two weeks on auto pay. The latest payment fell after the late date but before the end of the statement date. XXXX. I was charged a late fee of XXXX. You would think that the payment would at least be applied to the next statement, but it fell within the 7 day black hole. Their late fee actually falls in the middle of their statement period which actually gives me only 24 days to pay. This is a scam, along with their other policy to move your credit limit down to a point where your interest charge makes you go over your new lowered available credit. AHHHHH!
Consumer complaint received 2016-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (OK)

We have our mortgage loan with Seterus. In XXXX 2016 we requested to have our escrow account closed. They closed our escrow and sent us our escrow surplus but did not adjust our payment amount to reflect principal and interest only. When we paid our XXXX 2016 and XXXX 2016 payments, it was not enough to satisfy the PITI amount, and put it in a suspense account, resulting in us getting charged a late fee of {$20.00} for both months. We called Seterus and asked them to adjust our payment amount and to credit back the {$41.00} in late charges.
Consumer complaint received 2016-05-30
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (AZ)

Please refer to Case number : XXXX submitted in XXXX this year. For two months my entire money {$15000.00} plus interest is held with Discover and I am not seeing any hope to get it recovered from them. Please help me with this case. I will be out of country during XXXX XXXX to XXXX XXXX, 2016. I would like my money to be deposited back into my ally bank account ( originally from where i got it into this Discover Savings bank account ). I had email exchange with Discover but that email trail also nothing happened. I ca n't access my money for around 2 months now.
Consumer complaint received 2017-01-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (IL)

Due to unethical lending practices and telling me they would help me and that I had options, I used private loans and when I could n't pay them I was told I had no other option - when I did bankruptcy to get some relief from medical and credit card - my attorney would n't file the needed docs and I defaulted. I now owe XXXX and I make XXXX a year. Not only does Navient lie about options and helping you - the only thing they are good at is calling you when you cant pay but not working with you.
Consumer complaint received 2017-02-03
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Selip & Stylianou, LLP (NJ)

I requested validation on this account from someone i never heard of in XXXX of 2016. I never got a response from the agency aptempting to collect but fastforward 4 months later i get a letter being sued by this company.
Consumer complaint received 2015-08-14
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (ME)

I attended The University XXXX XXXX in XXXX, Montana from XX/XX/XXXX-XX/XX/XXXX ( received an associate 's degree ). My father cosigned on a loan for {$10000.00} with XXXX, who sold my loan to American Education Services. My father passed away suddenly and tragically on XX/XX/XXXX. AES notified me promptly ( we 're talking within 48 hours of my father dying- I was not allowed a grieving period whatsoever ) that my loan is now due back in full and immediately. I suppose I should have done my research and known that in the sudden case of my father 's XXXX this would happen ( silly me for not planning ahead for such a tragedy ), but AES wo n't even allow me to adjust my payment amounts. My father had set up the payments to work with his income as an accountant. Now I, fresh out of school and working with a $ XXXX yearly income, have to make payments in the amount that was fair for a $ XX/XX/XXXX income. I have exhausted forbearance, income-based payments, and every other option that would allow me to make affordable payments. Starting in 2 months I have no more options but to pay more than I can afford to these loans, all because they wo n't allow me to re-finance based on my personal income.
Consumer complaint received 2015-07-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CA)

Hello, I was a victim of identity theft. I obtained a legislative security freeze. 
I obtained a XXXX from Equifax. 
With this PIN, I 'm supposed to be able to manage my security freeze and lift the freeze on demand. 
However, Equifax 's website does not allow me to manage my security freeze online. Even after I enter the proper, DOB, SSN, address, etc., I am never able to manage the security freeze online. 
I 'm very angry and frustrated. 
Equifax 's telephone support is non-existent. 
I did write to Equifax. 
Instead of addressing the issue, Equifax permanently unfroze the file without my permission. 
So, basically, Equifax wo n't allow me to manage my security freeze online, despite the fact that I have a valid ID theft PIN.
Consumer complaint received 2016-05-25
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE (CA)

I had a XXXX XXXX XXXX XXXX card, which was my primary credit card, XXXX now uses Barclays/Mastercard. Change over happened at the end of XXXX, XXXX and my XXXX Records vanished. I need my XXXX statements to do my XXXX tax return, they are unavailable for either company. I contacted Barclays in early XXXX ; they said they 'd send me hardcopies but not sign of them. I filed an extension, but I really would like to file.
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CO)

I purchased a prepaid visa gift card from XXXX before XXXX in XXXX of XXXX. I put {$200.00} on it to spend for XXXX. I registered the card at XXXX with my name and address. I spent {$63.00} online. When I went to make another purchase it wouldn't work. I saw that someone went in and hacked into my card account and re-registered it in their name. They spend the rest of my {$130.00} at XXXX and XXXX XXXX in XXXX. They re-registered the card in the name " XXXX. '' I have called this company at XXXX 5 times and they give me the runaround about the theft. The last time I called on XX/XX/XXXX at XXXX a customer service person by the name of XXXX helped me ( and my brother who had {$130.00} stolen by a hacker ) fill out a dispute form over the phone. She told me to call back in 5 days to find out the results of their investigation. 

I called again on XX/XX/XXXX at XXXX : XXXX and another person named XXXX said it would take up to 90 days for the investigation to be complete. She said they would then send me a letter to my address to inform me about the results. I asked to speak to a supervisor and she said there wasn't one and he would say the same thing. 

I told them the money was stolen within days of me purchasing the card and they can see on their end that someone re-registered the card in their name after I registered it in my name. I have the card and the person who didn't have the card was able to get in and re-register the card. This is frustrating because they won't refund the stolen money.
Consumer complaint received 2016-06-07
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BB&T CORPORATION (FL)

I refinanced my mortgage with BB & T because they had a better rate at 4.49 %. I told the loan officer that I wanted a fixed rate not one that fluctuates. I was specific with her. She said that it would n't change, that a fixed rate did n't matter because they hardly ever change. I received a letter 4 months after stating that my rate increased to 4.74 %. I was so upset! Because she told me that it would n't increase. I went into the branch and spoke with her and she said there was nothing she could do because I signed the papers that said that it was n't a fixed rate. Finally, the last bill that I got had an interest rate of 5.99 %. I am so upset. This is more than I was paying for my mortgage before I switched. I felt that XXXX XXXX ( Loan Officer ) was not clear and was misleading. She said that my credit was n't good and this is why I received the 4.49 % and not lower. Please help me in this matter I am an eighty year old and ca n't handle all of this aggravation.
Consumer complaint received 2017-10-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (KY)

I have tried many of times to work with Navient to lower my payments but to no avail. I was laid off from work in XX/XX/XXXX and did n't know what to do so they told me to go with forbearance, not knowing anything about it, I thought it sounded like the best idea. I was also told I ca n't set up any other payment plan becaus e I am out of options and I am about to be laid off again as of XX/XX/XXXX and ca n't afford XXXX a month payment
Consumer complaint received 2016-08-19
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK (MA)

I saw a commercial for Discover.com It said you do n't need to have a Discover card to get your free credit score, just go to Discover.com and fill out an application. I did this, now they have all my information including social sec. # and I do not have my credit score. When I sent in the app. I got an OOPS response saying something went wrong. I sent them an E-mail telling them about this. I asked if this is a scam or what, you have all my info and I have no score. I even told them I was going to report them. I never got a response and it 's been about 4 days. Thanks, XXXX XXXX XXXX
Consumer complaint received 2016-08-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NY)

Our home mortgage was being serviced by Seterus. In XXXX 2016, we decided to refinance our mortgage.Prior to our closing date XXXX/XXXX/16, I contacted Seterus on several occasions to find out how much money was remaining in our escrow account, so that we would know what we could expect to receive back in the way of an escrow refund check after we closed and fully paid off the mortgage with Seterus. I was told that we would have {$4700.00} remaining in the escrow account. However, we instead received a check in the amount of {$2100.00} ( dated XXXX/XXXX/16 ) as our escrow account refund. When I called to inquire about this discrepancy, I was told that I must submit a request in writing requesting an explanation of the actual disbursement of funds from the escrow account, which I immediately did. I was sent a final escrow account disclosure statement, which showed the projected and actual payments to and from the escrow account. However, there is a large variation in the actual monthly payments to escrow. When I called again to attempt to get clarification on this matter, I was again told to submit a written request, which I did. After more than a month, I received a response from Seterus, which was a copy of my customer account activity statement. This statement is very unclear and confusing. I called Seterus and spoke to numerous representatives and supervisors, none of whom were able to clarify or make sense of this statement after spending numerous hours on the phone with them. Again, I was told to submit a written request to the correspondence department, even though my calls were to follow up on and clarify a previous response from the same correspondence department. I have sent this request on XXXX XXXX, 2016 and, to date, have only received confirmation from Seterus that they received my request, but nothing more to provide any additional information about the discrepancy between what I was told would be our escrow refund and the actual refund we received. This matter has been unresolved since XXXX 2016.
Consumer complaint received 2017-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

I contacted them to update and delete inquiries that should be coming off my credit report this month and they illegally pushed the date of removal to the next month. There is also a reported closed account that has been paid in full that has not been removed despite providing proof that it should be deleted. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XXXX National Credit Card Cos. 
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Utilities XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Utilities XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Utilities XXXX XX/XX/XXXX XX/XX/XXXX National Credit Card Cos . 
XXXX XX/XX/XXXX XX/XX/XXXX Mail Order Firms XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions
Consumer complaint received 2015-06-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC (AZ)

My name is XXXX XXXX, I purchased a property and obtained a conventional mortgage with Quicken loans at XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX on XX/XX/XXXX. I recently received a threatening letter from XXXX County Treasurer regarding unpaid property taxes for XX/XX/XXXX before I even purchased or occupied the home. I have had XXXX contacts with Quicken loans since I obtained that letter on XX/XX/XXXX. Quicken did the research and has come back with an excuse that they did in fact make an error at closing but refuse to cover the {$900.00} plus dollars the future tax lien would be for. Quicken then takes my already escrowed taxes for XX/XX/XXXX and pays taxes for XX/XX/XXXX before I even purchased the home! The Quicken team member and her manager XXXX indicated that the closing team made an error and then put a notified credit on the buyer 's side of the HUD and lessened my closing costs. Quicken also admittedly indicated they did NOT disclose any of this to us at closing, no disclosures, no additional escrow, no payment for past due taxes. They are now threatening default on my property for an error they acknowledge they made. I advised them I would not be covering this, I escalated it as high as I could with the Quicken staff, and they refuse to move forward with remedying the error. 
This is predatory lending XXXX and violation of RESPA knowing I was already tight on closing money coming in, they chose to hide this from me, and never notify me until I found out. They refuse to provide a disclosures or signed documents specifically speaking to the past due taxes, extra escrow, or required payment. If this goes into default, this will put my wife, XXXX young children, and me on the street with no financial means to recover from this. All quicken calls are recorded in which you can listen that they acknowledge the error but wo n't correct. My intention in addition to starting with the CFPB is to escalate this to all regulatory agencies until resolution is obtained. 

My contact information is as follows : XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
Consumer complaint received 2015-12-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (VA)

The bank is continuously charging me fees - whereas the overdraft protection was to thwart such activity. I am being told my savings account is closed, yet a {$500.00} deposit was made on XXXX XXXX, 2015 and retained by the bank. there are still monies in the savings account which was used to assist with possible overdrafts ; needless to say the bank is telling me I have to come in and close the account. I was charged {$140.00} for returned item fee and I am not sure what the expense was causing further financial chaos -personally. Refer to Case number : XXXX
Consumer complaint received 2017-05-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC (CA)

XXXX  in response to the letter I received from the bureau s tating WILSHIRE COMMERCIAL CAPI updated this account reporting it NEWLY CHARGED OFF WHI CH IS A VIOLATION OF FAIR CREDIT REPORTING ACT ... THEY ARE REQUIRED TO REPORT ONLY ACCURATE INFORMATION IN THIS CASE THEY ARE IN MULTIPLE VIOLATIONS ... WHICH IS WHY CFPB HAS BEEN NOTIFIED. NEXT COMPLAINT IS GOING TO FTC IF THIS ERRONEOUS ACCOUNT IS NOT REMOVE FROM MY REPORT IMMEDIATLEY ...   THIS AUTO LOAN PAST DUE AMOUNT WAS PAID IN FULL BACK IN   XXXX  . NOW THEY POSTED THIS ACCOUNT ON THE CREDIT REPORT TO ALL  XXXX  BUREAU WHICH DROPPED MY CREDIT SCORES AND NOW I 'VE STARTED TO RECEIVE COLLECTION CALLS FROM THEM ATTEMPTING TO COLLECT DEBT THAT I DO N'T OWN IN FIRST PLACE, WAS PAID OFF AND IS OVER  7 YEARS OLD ....
Consumer complaint received 2023-01-06
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. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Address : XXXX XXXX XXXX, GA XXXX Employer : FLORIDA HOSPITAL XXXX Date Updated : XX/XX/2019 XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-06
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BB&T CORPORATION (NC)

My wife and I needed a vehicle but due to our financial situation we had to get our loan through Regional Acceptance Corp based at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a subsidiary of BB & T banks. We paid the amount of the loan {$440.00} every month, but due to other financial situation we ended up having to declare bankruptcy. We decided to keep the vehicle as the asset we could retain, in lieu of the house, as per the bankruptcy proceedings. Our lawyer stated that we could delay payments on the vehicle, But I Repeat, we did not delay or defer any payments to XXXX XXXX prior to, during or after the bankruptcy proceedings. XXXX XXXX however locked us out of our account on the internet and informed us that we now had to send the payment to XXXX Bankruptcy Dept. XXXX XXXX XXXX XXXX XXXX XXXX which we did each and every month. We have not received a statement from XXXX XXXX XXXX for over 48 + months. We have sent to them along with our payment check our new address and our new phone numbers when we moved from XXXX to XXXX, but we still have n't received a statement. We inquired about this several times and still received no answer about this, we did receive a phone call from a person named " XXXX '' from their bankruptcy dept. that we could not refinace the vehicle loan but that our payment would not have any late fees attached if they received the payment at or before the XXXX of each month. 
Our loan was for six years and should have ended in either XX/XX/XXXX or XX/XX/2016. It is now XX/XX/XXXX, we have not received the title to the vehicle or a statement. 
Are we suppose to pay for this vehicle for eternity or what?