davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-23
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (AZ)

Read the fine print. CD came due and I missed the due date. Starting calling service number but put on hold for extended period of time. Finally went to bank in person after being unable to contact bank by phone. CD automatically renews for 18 months if you do not contact them which is fine but the interest rate is .25 percent and a penalty withdrawal of XXXX plus XXXX % of the amount. Which in my case would be approx. {$4500.00}. I would think to be fair the interest rate should be at least equal to previous rate and not such a low rate dertermined by the bank. I ask for either waving withdrawal penalty or matching the origional rate. Bank manager said they would check and call me. Never got a call. Contacted band and was told it had been longer than 30 days and their legal department determined that is was locked in at the low rate. Ca n't believe CFPB would ever let a bank write a contract like this. So one sided, puts the consumer at a complete disatvantage. The CD is with BBVA Compass bank in XXXX Az.
Consumer complaint received 2024-01-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: GUARANTEED RATE INC. (GA)

I closed on a mortgage with Guaranteed Rate 3 years ago and they wrote me a week ago stating I owe them over {$36000.00} dollars because they had to sell my mortgage at a loss because I changed jobs before I closed. They also disclosed my private information to co-workers after the closing because they did not confirm who they were communicating with and it wasn't HR. I sent them a notarized document showing I was on my job which was provided to me in confidentiality but they are going to contact my former employer anyway even after I emailed them and told them not to. They are continuing to harass me. They have been harassing me for 3 years. I am not responsible for their losses. I was employed in the same field of work for XXXX XXXX and have been current and on time with every mortgage payment. Their harassment continues and it's non stop.
Consumer complaint received 2018-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

I have submitted my teacher loan forgiveness application five times to Navient for {$5000.00} of loan forgiveness and it keeps getting denied. Every time I call and speak to someone they give me false or conflicting information. The first time it was denied and the customer rep. told me to " click '' a box '' that I shouldn't haven't " clicked '' and the last time the person told me to update all of the dates on the application and it was denied again. Now this last time it was denied ( the 5th time ), they told me to have chief administrative officer write a letter stating that my service dates were true and accurate. He did this and they still denied it. I have worked at a low-income title one school in XXXX for 2 years and this is my 5th consecutive year at the XXXX XXXX in XXXX which also is a title one school. That equals 7 total years. I can provide pay stubs and XXXX tax forms that I have been working here. I believe they keep denying my application so that the funds are not forgiven. ( this is fraud ).
Consumer complaint received 2015-05-28
Product: Credit card — 
Issue: Cash advance — 
Company: JPMORGAN CHASE & CO. (NC)

I have a XXXX mileage plus credit card with JP Morgan Chase bank. In a recent event, I realize some terms on this credit card are not fair to the customer. In the term, Chase defined itself has the right to categorize " cash-like transaction '' as " cash advance '', after the actual transaction has been made, and without the notice or approval from the customer. 

Here are issues. 1st, the definition of " cash-like transaction '' is very ambiguous. Chase could explain it in any way favor the bank 's interest. 2nd, as most of credit card, a cash-advance limit is posted to protect the bank 's interest against the potential fraud causing by withdrawing large amount cash. However, this limit does n't apply to Chase. The bank can re-categorize a past credit transaction as " cash advance '', regardless the " cash-advance '' limit, the bank imposed on the customers. 3rd, Chase does n't notify or disclosure their behaviors of re-categorize a past credit transaction as " cash advance '', which causes the customer 3 % fee and extremely high interests, charging on the daily base. 

For instance, I made a credit transaction of $ XXXX. Chase fraud department sent SMS message to verify whether I acknowledge this transaction. I asked YES as I was aware of this credit purchasing transaction. However, after several days, without any notification, Chase re-categorized this credit transaction as " cash advance '', and charged 3 % fee and about 20 % interest on daily bases. I called the Chase customer service center. 1st they claimed that the merchant used wrong code to describe this transaction, thus Chase asked me to contact merchant to fix it. I contacted the merchant, which stated it did n't have the capability to charge the cash-advance on a credit card. Then I called the Chase customer service center 2nd time. This time Chase admitted the transaction was coming in as credit purchase, then Chase felt it was " cash-like transaction '', thus Chase re-categorize it as " cash advance ''. 

I argued for XXXX issues:1 ) Can Chase be the only one determine the nature of the transaction based on its ambiguous definition? Chase said " YES '' 2 ) Does customer have the right to know and react to post-transaction treatment? Chase insinuated " NO '' Hereby, I file this complaint of Chase credit card service, which violated my right not disclosing the sufficient information prior any changes on my credit card transaction ; and commit a potential fraud of stealing $ XXXX cash by forging such document to show I borrowed XXXX cash from the Chase bank.
Consumer complaint received 2015-11-05
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: DISCOVER BANK (VA)

Have online account with Discover Bank. Logged in XXXX/XXXX/15 @ XXXX XXXX to transfer {$20000.00} to my liked account at XXXX XXXX XXXX. Today is XXXX/XXXX/15 at XXXX XXXX and funds are still not at XXXX. Contacted discover and spoke with supervisors who only could tell me funds were sent on XXXX/XXXX/15 at XXXX. He assumes all times are EST. Have called the Federal Reserve in XXXX ( XXXX ) and they can not help. Called XXXX and spoke with XXXX XXXX who stated should not take more than 2 days, but could not offer any help. Called Fed Reserve ACH center in XXXX and was advised they did not communicate with individuals-only banks. Have emailed complaint to discover with no help.
Consumer complaint received 2022-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

After logging on to the Bank of America website to access my checking and savings account I was offered a platinum Visa card with a {$200.00} welcome bonus, which I filled out the online application to receive and was declined. I later received a letter in the mail from Bank of America stating the reason for the declination was their inability to verify my identity. 

While not stated as a reason for declination, for background information, I do have credit files with credit dating back more than 20 years, with each of the three bureaus. And though my credit files are somewhat thin, they do report open revolving XXXX and installment trade lines, with less than $ XXXX total debt, absolutely no derogatory information, no late payments, no collection accounts or public records and a credit score over XXXX. 

More to the point of Bank of America 's stated reason for declination, my name, address, SSN, phone and employer on all three credit reports match, exactly, the information I gave on the application, and none have any freezes or fraud alerts. 

MOST XXXX  of all, is that I filled out the application online, after logging in with the credentials assigned to me by Bank or America, for the checking and savings accounts I've had in good standing with them FOR SEVENTEEN YEARS, and for which their information on file for those accounts match exactly with the name, address, and SSN I gave in the application. 

So their claim that they can't identify who I am is nonsense. I responded to their declination letter in writing, to the address given in their letter to do so, with these very same points, and as of a month later, I have received no reply. 

Bank of America has not honored their offer of a XXXX card and {$200.00} welcome bonus, they have not given a truthful or legal reason for declination, and in addition they have cost me my time and multiple hard credit file inquiries, directly resulting in a lowered credit score on my credit files.
Consumer complaint received 2015-11-02
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (SC)

I sold my house on XXXX/XXXX/15 and Shellpoint has not reported the sale to XXXX XXXX. My credit report shows I owe a balance of approximately {$160000.00}. This balance is preventing me from obtaining another mortgage.
Consumer complaint received 2021-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been over 60 days. I have not received anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner
Consumer complaint received 2021-01-17
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. (NJ)

I am resubmitting this dispute. I am verifying that this is me who is disputing these fraudulent items. I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Reached out to Transunion via letter letting them know the information that there reporting for a collection is incorrect, i gave Transunion more the XXXX  days to respond and i have yet to receive a XXXX showing my wet signature show that i agreed to the debt. I still have not received any response from Transunion.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and the latter was truth and lending act and finally some misinformation like my name, address, and employer to my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2015-05-22
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL (NC)

I have a Belks Credit card. I have paid it early every time and have been a loyal customer. I reported my card lost/stolen to belks. They issues me another card due to this situation. I also reported other Credit cards lost/stolen at the exact same time. I pull my credit report and belks put my XXXX card on there as CLOSED and then put another card on there as a brand new card. Never has this ever happened. So now I have a closed card and a brand new card opened on my credit report. This affected my credit score and it 's unfair. I complained to customer service XXXX so far and am given excuses as to why it 's there. Why do n't all companies show the credit bureau card was lost/stolen and then issue a new card. Why is it only belks that does this? If that was the case, I would have said forget it. Belks deceived me and I want answers NOW! I did n't ask for XXXX belk cards to be on my credit report.
Consumer complaint received 2020-03-02
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO. (NJ)

I have been having a problem with JPMorgan Chase bank about some fees they applied. I called them numerous times to get it resolved and each time I thought I was done until the next statement, when more fees would show up. 

After 18-months of this, I wrote to Chase and told them I will not longer make any more payments and all payments would be held in a separate account until this issue is once and for all resolved. Chase responded with a notice to foreclose on my property. 

I am going to retain a lawyer now to fight them, it is not a question of not being able to make the payments, it is an issue of Chase trying to cheat me in spite of numerous attempts to resolve this issue amicably.
Consumer complaint received 2016-08-30
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

My Heloc was transferred from XXXX to Bayview Loan Servicing. I made additional principle payments of {$2900.00} to Bayview but they did not apply any of it to the balance even though it is reflected in the year to date portion of XX/XX/XXXX statement. The additional principle was made during XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Bayview then flipped the Heloc to a company called XXXX XXXX who immediately transferred it to XXXX XXXX Bank. XXXX bank refused to look into my complaint stating that it was not their job to do Bayviews accounting. XXXX will not even respond.
Consumer complaint received 2020-05-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XXXX ) USAA REVERSES MERCHANTS CREDITS Leaving consumers liable for fraud when they are supposed to be no liability. USAA FABROCATED FRAUD I DID NOT REPORT reversing merchants credits on returned goods. See attatched XX/XX/XXXX FRAUD CLAIM INVESTIGATION RESULTS ( ** I did NOT REPORT FRAUD ON {$210.00} XXXX RETURNED ITEM ) USAA FABROCATED THIS FRAUD. Kindly Note The credits we deposited at beginning of the investigation have been reversed??? See attatched XXXX XX/XX/XXXX statement CLEARLY THERE ARE NO USAA CREDITS TO REVERSE. THERE ARE ONLY. MERCHANTS CREDITS. See attatched FRAUD CLAIM RESULTS XX/XX/XXXX {$120.00} XXXX XXXX ** ( I DID NOT REPORT THIS RETURNED ITEM AS FRAUD. ) Again see XX/XX/XXXX statement attatched THERE ARE NO USAA CREDITS TO REVERSE. THERE ARE ONLY MERCHANTS CREDITS. XXXX ) See attatched CREDIT CARD FRAUD CLAIM of XX/XX/XXXX completion of fraud CLAIM DATE XX/XX/XXXX {$470.00}. Again see attatched XX/XX/XXXX statement. {$470.00} FRAUD I REPORTED ** CLEARLY DOES NOT INCLUDED {$120.00} XXXX XXXX OR {$210.00} USAA HAS CHEATED ME HOLDING ME LIABLE USAA HAS PROVIDED NO FRAUD CREDITS I AM DUE {$340.00}. SHAME ON USAA UNEARNED FRAUD INCOME.USAA HAS ALSO LIED ON MY CREDIT REPORTING I REPORTED FRAUD ON RETURNED GOODS DESTROYING MY CREDIT SLANDERING MY GOOD NAME FOR THE SAKE OF UNEARNED XXXX ) USAA XXXX NOT RESOLVE FRAUD TIMELY!! Kindly Note CREDIT CARD FRAUD CLAIM LETTER OF XX/XX/XXXX ** IS COMPLETING INVESTIGATION OF XX/XX/XXXX. IT TOOK USAA A YEAR JUST TO COMPLETE INVESTIGATION AND XXXX YEARS LATER USAA STILL HAS NOT PROVIDED THESE FRAUD CREDITS DUE ME XX/XX/XXXX.
Consumer complaint received 2021-01-17
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)

Yesterday XX/XX/2021 when i was reviewing my credit report i noticed accounts that are not related to me. I decided to file a police report because my personal identity was used to open accounts at this companies. None of this information relates to any transactions i have made or authorized.
Consumer complaint received 2022-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST (OR)

I didnt have access to my government child tax stimulus for two months. The bank has a used there policies on overdrafts in a excessive way to such a extreme they even used my stimimulus payments to pay themselves for the fees. i cant just let them get away with this. Its not just one two three four or five overdrafts NOPE bank of the west has given me 32 over drafts charges in the last year and most of them were within the last 6 months. They have charged me over {$1200.00} in bank fees. Iam a single mom of a XXXX child with no income i cant afford this type of abuse of power in my financial accounts. Then they took my stimulus payments 2 months in a row to pay their overdrafts 2 months after the first stimulus was taken for overdrafts they refunded me the XXXX through a check but this last XXXX from the government they kept a big chunk of it i only saw about XXXX bucks of it the rest went to their stimulus.
Consumer complaint received 2022-01-20
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: KEYCORP (FL)

A former boss, pre paid money into my credit card and bought the goods with my credit card and then called his bank to stop payment saying that it was a fraudulent transaction and the credit card company ( XXXX XXXX ) is saying that I owe the money. I went to the FTC and the FBI about the matter and nothing has been done. It ruined my credit score and I want to sue XXXX XXXX because I lost a job opportunity because of it.
Consumer complaint received 2016-05-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I have a XXXX currency account with union bank, today I saw that there fees fo this account, already high at XXXX $ a month had increased to XXXX $ without any change of service. That is a XXXX %. Hight, on an acount they do not pay any interest in, nor have made any improvment to the service they provide. - this is in short words price gauging. - in the recent past they have engaged in multiple unfair practices, like not acepting a aditional fictitious business name on an acount - forcing me to open an aditional business acount which they then promptly charged, inspite the fact that I hold a significant amount of money on there ( no interest! ) XXXX currency and normal business account. ..
Consumer complaint received 2021-01-17
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. (CT)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2021-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I had deferred my loan several times between XXXX/XXXX. The loan was sold back and forth between both sister companies. I became XXXX  XXXX through the veteran affairs and applied to have my loan discharged under that program. 

The collections was removed from the three credit bureaus but has been added back to as delinquent and past 120 days, which is hurting my credit score as a permanent XXXX veteran. 

This has caused a great hardship and has made it impossible to obtain a home loan using my VA benefits. 

As a service connected XXXX veteran I have been unable to obtain gainful meaningful employment.
Consumer complaint received 2015-07-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc. (GA)

Frequent and repeated calls with same vague pre-recorded message. No information provided to identify debt referred to in message. Different phone numbers appear on caller ID with each call. Different area codes, different company names ( some with charitable org. Names -nonexistent org. ), or different city and state with each call. Recorded msg. instructs listener to use phone to enter info.