davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-28
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP (IL)

I filed a fraud claim for a {$200.00} charge listed as " XXXX XXXX XXXX XXXX '' on Friday, XXXX XXXX, 2016. This transaction was done without my permission, and I have never done business with or heard of this company. I was told by the fraud representative that the provisional credit would be issued between 7 to 10 business days, because it was not a pin based transaction ( pin transactions take longer to process since someone else has your pin number ; signature transactions only take 7-10 business days ). 
I called in to the fraud department on Wednesday, XXXX XXXX for a status update. According to the representative, there was no case processor assigned to my fraud claim yet, and no provisional credit was issued. The representative stated that she put in a request to have a supervisor in the " claims processing '' department call me back ; no one called back. 
I called again on Friday, XXXX XXXX for another status update, but was told that the " claims processing '' department may short staffed due to the Holiday weekend ( good for them, but horrible for me because I have nothing in my account due to some card hackers ). I was told by an escalations representative XXXX M ( located in XXXX XXXX, Kansas ) that she would not be able to transfer me to " claims processing '' and that there was no supervisor above her that I could speak to regarding the issue ( even though the previous escalations reps that I spoke to told me to just call in after XXXX to be transferred to that department ). Nothing was resolved and it was the 10th business day. 
I called again this morning, Saturday, XXXX XXXX, and spoke to another representative that gave me the " claims processing '' department 's phone number and advised me to call in on Monday. 
Because of US Bank 's laziness regarding my fraud claim, it is now the holiday weekend and I have no money in my account. This is unacceptable. A thief used my debit card number fraudulently, and I am the one being punished for this. I can not even afford to pay my half towards the rent on XXXX XXXX, because the funds have not yet been returned. 
There needs to be some form on recourse for this ; I was lied to by XXXX XXXX in XXXX XXXX, Kansas regarding speaking to her supervisor and/or the " claims processing '' department, and was told that no one was above her and that " claims processing '' does not have a direct phone number.
Consumer complaint received 2016-06-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (MN)

On XXXX XXXX ( before XXXX ), I went to a US Bank Branch to deposit my severance check and was told it may take a bit longer to have the funds available to me because of the size of the check. I pretty much ignored that because I know that the size of the check does n't matter. Once the funds are cleared from the issuing bank I should receive my funds. Unbeknown to me, the Manager on duty had placed a hold on my account where I would n't receive my funds when they cleared but almost 12 days later. All he asked me was if this was a Loan check since it was from a Mortgage company. I said no, that it was my severance check and I had n't been paid for two months and needed the money. He did note that the account was an employee account ( XXXX ). He did n't look at our account history of XXXX years of impeccable performance or do any research that would show large transactions from time to time were normal. 
Three days after the deposit, I spoke with a former coworker who received his check at the same time and his funds were available to him. I continued to check my account to determine if the funds were available and they were n't. We were forced to take an advance on our reserve line so the checks we had written and would n't clear before XXXX XXXX ( plenty of time to allow the check to clear ). 
Finally I called the Customer Service department to learn that US Bank did indeed have the funds from my former employer but would n't give them to me because the Bank employee placed a hold on the funds. He did NOT provide any type of rationale for doing this nor could any other person determine why he would do that given our credit and history with the Bank? Basically, this allowed US Bank to steal from me since the money was in their possession, they were earning interest on it not me. My belief was he thought it would be 'fun ' for him to watch us suffer further pain and embarrassment since I 'd lost my job and needed the money to cover bills. 
This is totally unacceptable discretion for a person to have this authority and not have to justify why they would place a hold on someone else 's money!!
Consumer complaint received 2016-11-15
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (NV)

On XXXX XXXX around XXXXi went to us bank drive up atm..I went to withdrawal XXXX in process it said unable to process transaction and then atm went down.I even took picture of atm.I called my bank while still St atm filed dispute and even went into bank to tell them atm went down but XXXX still was deductedfrom balance.teller told me file dispute nothing they could do.well us bank went give me my XXXX they said I got money but if they pulled camera they would see different.this is not right
Consumer complaint received 2017-02-20
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (DC)

Yet again US Bank has fraudulently posted a charge of XXXX from XXXX on my account despite having information A. That amount was never authorized in the first place and B. The item was promptly returned with documentation provided via XXXX tracking XXXX. 
US Bank lied and denied they received this information. 
I am tired of the lies, deception, false statements, and bad faith being exhibited by this vicious bank. Am trying to close this account out and they continue to try to attach false charges to it. I want the XXXX plus interest refunded to this closed account immediately. 
The bank is prolonging the process of settling the closing of all monies owed fraudulently and want this to stop. I will stop making payments until they stop this behavior and will file suit in small claims court.
Consumer complaint received 2015-10-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (MO)

I am disputing a charge at US Bank. I was sent a claim form for ACH entries and electronic checks to fill out and return. I went in to the local branch in XXXX, Mo to make sure I was doing everything correctly. The banker, XXXX, said that everything was right so I asked her to fax it to the claims office for me. I left then 10 minutes later I received a phone call from a non banker with the phone number XXXX XXXX XXXX XXXX that had received the fax. The form had my full checking account number, my name, and my phone number on it. I called the XXXX number for US Bank to tell them of the error and the connected me with the local branch directly. XXXX came on the line and asked what number was on the paper. When I gave her the number that it was to be faxed to she said that it was not the number that she faxed the form too. She did not apologize and she argued with me about the number being incorrect. She told me to come back in to the branch and she would re-fax the form and do a hard close on the account. I could not go to the branch today so she told me to contact the XXXX number again and the customer service bankers could close the account. I did that and while I was on the line with US Bank customer service XXXX contacted me again and told me that she spoke to the cashier that watched her fax the form and they XXXX agreed that the number she faxed it to was on the form so she was going to investigate further and get back to me. She is not taking responsibility for giving my banking information to a regular citizen and trying to put the blame on me for her error.
Consumer complaint received 2016-08-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (IL)

I opened a checking acct on XXXX 2016, at US bank with a promotional ad. The ad said if I opened the acct. with direct deposit US bank will give me {$200.00}. I opened it over 4 months ago. I spoke with employee XXXX XXXX who claim she does not know anything about the ad. I spoke XXXX XXXX, who spoke to someone at the main office. I was told I qualified for the promotion, as long as I did not have a negative on my acct. They said I should see the money by the end of XXXX. Here is XXXX and still no money. I 've been to the bank several times no success. Hopefully you can help.
Consumer complaint received 2017-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (GA)

On XX/XX/XXXX my wife ( XXXX XXXX ) filed a Chapter XXXX Petition with Ally Financial as one of the creditors. XXXX XXXX is the primary on the Ally auto loan and I 'm the co-signer. Monthly payments have been made to the Trustee ( the Trustee pays Ally ), and the account has always been and is current. My situation is, Ally is continuously reporting to XXXX and XXXX that I am 180+ days past due on the auto loan, which is untrue. Ally has received all payments from my wife 's Trustee since XX/XX/XXXX and I signed paperwork with her Attorney which protects me from paying Ally the 14 % interest once the case is discharged. I have filed a dispute with the credit bureau 's, and Ally was removed from XXXX, but XXXX and XXXX has not complied with my request. The Ally Financial auto loan has never been late ( before and/or after my wife 's Chapter XXXX ) but my credit score is being castigated and chastised by Ally since my wife filed her Chapter XXXX.
Consumer complaint received 2015-04-14
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (OK)

My Mortgage loan with U.S. Bank currently has an escrow account with a XXXX cushion on it. I am aware that " [ T ] he RESPA statute and regulations do not require the lender to maintain a cushion. However, since XX/XX/XXXX the RESPA statute has allowed lenders to maintain a cushion equal to one-sixth of the total amount of items paid out of the account, or approximately two months of escrow payments. If state law or mortgage documents allow for a lesser amount, the lesser amount prevails. '' From what I have found through research, Oklahoma does not have any State RESPA laws in place in regards to having a mandatory 2 month cushion on escrow accounts. However, when I spoke with U.S. Bank in regards to removing my 2 month cushion, I was told by XXXX different representatives, on XX/XX/XXXX, that they are unable to remove my XXXX cushion due to the fact that I live in the state of Oklahoma. XXXX representative stated that it was due to the state law, and the next representative ( her supervisor ) stated that it was U.S. Bank 's internal policy that for mortgages in which properties reside in the state of Oklahoma require a 2 month ( XXXX ) cushion, and they will not remove this. She stated that it was not for all states, but they will not remove this on my account due to the fact that I live in the state of Oklahoma. I asked multiple times to speak to U.S. Bank 's Escrow Department, so that I could speak directly to someone that specializes with escrow, because I knew that there was not a state law requiring a 2 month cushion to be maintained on my escrow account, and I was told that I could not speak directly to their Escrow Department. I was also offered, that if I was unsatisfied with having to maintain a XXXX cushion, that I could always just cancel my escrow account and pay for my insurance and taxes on my own. I let the lady that I spoke know that she could not offer this to me, that I have a VA loan, and that she should not be offering me to cancel my escrow account, due to the fact that I have a government backed loan.
Consumer complaint received 2016-07-14
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (NC)

Discover card contuines to contact me via phone calls at home, work and other family members. They also contuine to send harassing and threaten letters to my home address in which I can attach. Discover Card was first contacted on XX/XX/2016 about this account. It is to my understanding that this company is extremely aggressive and are known to take these type of measures against consumers.
Consumer complaint received 2021-04-21
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc. (PA)

Good day, My son obtained a loan from XXXX XXXX in the Fall of 2018. Recently XXXX XXXX sold off the loan to Firstmark Services. We were under the Federal loan forbearance with XXXX XXXX, of which Firstmark Services is now trying to collect the debt. 

Are these loans still under Federal forbearance or can they now just claim them as private loans? 

Thanks for any additional information. 
XXXX XXXX
Consumer complaint received 2016-11-01
Product: Credit card — 
Issue: Privacy — 
Company: DISCOVER BANK (WA)

Apparently in 2010 Discover Card was successful in getting a judgement for a debt owed by a XXXX XXXX - presumably a Credit card. I am XXXX XXXX XXXX I own property in State of Washington XXXX a lien for this debt was placed on my property. I do not now or ever had a Discover loan of any type. I am appalled that a Company through its attorney can place a lien on my property without due process. XXXX County Judgment is XXXX. I suspect the judgement and legal proceedings were served to the rightful XXXX XXXX but this individual does not owe the property that is being was lien. Atty on the complaint are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX WA XXXX This is all the information that County records gave me. I found out about this issue as it is creating a problem for me in refinancing my home.
Consumer complaint received 2015-04-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Alorica Inc. (FL)

Upon review of my credit report I discovered West Asset Management, XXXX XXXX Account # XXXX ). This is a paid collection account. I work on the pipeline so I am away for months at a time. XXXX is no where on my credit file and then one day I check my credit and a Collection account is reporting. I NEVER received any notice of this debt. I am requesting for this account to be removed from all credit agencies. I paid this debt as soon as I was made aware of such debt. I was NOT given any notice. I am requesting if there was such notice given all documentation to be provided. 

Without such, I will consider this matter satisfied by fully deleting the account. 

I really appreciate your assistance.
Consumer complaint received 2017-01-27
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

My daughter attended what used to be XXXX and graduated. I took out Parent Plus Loans to pay for her education, with the intention that she would take out a loan after graduation, pay back the PPLs but that never happened. She got married, had XXXX children and I became XXXX enough that I could n't do my former job. In addition, I 'm now XXXX years old and would be hard pressed to resume work. I 've had XXXX and I 'm very XXXX. I have had many interactions with XXXX/Navigant with quite a bit of pleading on my part to put me on Income Based Replacement or Income Contingent Loans. I have applied for both of these but have been refused and given only the option of forbearance, which as you probably know, puts you out of jeopardy with your creditors but the interest continues to accrue. My original loan that was under {$100000.00} has now blossomed into a loan well over {$200000.00}. I think about this every single day. It has put a strain on my marriage, my credit, my relationship with my daughter and ultimately, my ongoing health issues. Please help me and all of the folks in a similar situation. We are all desperate.
Consumer complaint received 2017-03-07
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: EAST WEST BANK (CA)

Missing funds from XXXX XXXX/2016 from job t account they said one person pulled all the money out without theothers on the account XXXX.want the documents to prove the money was withdraw money returned held moneyfrom account for an over payment on mothersdeceased ssi
Consumer complaint received 2016-02-24
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (UT)

I allowed a store card from Amazon.com to become delinquent. The original card was issued through GE Capital. Amazon now uses Synchrony Bank. The last transaction on the account was in XXXX of XXXX. A resolution was reached through a debt collector ( XXXX XXXX XXXX of XXXX AZ ) on XXXX XXXX, XXXX and the account was settled. A confirmation number was issued ( XXXX ) and the agreed amount was taken from my checking account. This week, mid XXXX XXXX, a letter came from a different debt collector ( XXXX XXXX XXXX, XXXX of XXXX IL ) demanding payment for this account which was already settled and satisfied. Amazon.com and Synchrony have both told me to resolve the account with the original debt collector. However, the original agency ( XXXX XXXX XXXX ) is no longer in business. I have no faith in Amazon.com. I fear that they will continue to try and collect a debt which has already been satisfied.
Consumer complaint received 2016-01-19
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE (IL)

barclays credit card interest charge fees added to my account todays statement most recent balance was {$1800.00} charges of {$37.00} added to my account now my balance is now {$1800.00}. i need help statement from post date of XXXX XXXX. i lost about {$25.00}
Consumer complaint received 2015-09-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (NC)

My mother passed away this week and with that I found out that she had taken credit cards out in my name.I did not know about these cards until this week. I have no way of accessing these accounts and do n't even know where these cards are.
Consumer complaint received 2016-10-13
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (IL)

I lost my job while in college and Old Navy closed my account with them. I have been working to take care of this debt owed once I started working. By the time I secured a job that paid enough for me to work something out, the account had been sold by another lender. I have paid this debt off with the lender and they have since removed their collection account from my credit bureau.
Consumer complaint received 2016-11-30
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE (CA)

Hi I need to lodge a complaint against Barclays credit card. I paid my deferred remaining balance of {$75.00} on XXXX XXXX but on the XXXX XXXX statement, they charged me for deferred interest charges in the amount of {$220.00}. They said they reserve the right how to apply payments. I paid {$100.00} that covered the deferred remaining balance of {$75.00} on XXXX XXXX which was the due date. I can not afford to incur additional interest of {$220.00} as I paid everything related to that balance by the promotional time period. I think it is just unfair on my part that the bank is taking advantage of it and asking me to pay additional {$220.00} and that is why I am reaching out to you. The minimum payment due was {$39.00}. Thank you.
Consumer complaint received 2015-12-09
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (TX)

Barclays closed my Wyndham Rewards card out of the blue. I had paid the annual fee of {$69.00} 2 months before the card was closed and now I can not reap the rewards of this annual-fee credit card.
Consumer complaint received 2016-12-16
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (CA)

I have been disputing XXXX fraudulent charges with Barclay card since XX/XX/XXXX. Initially, they refunded all of the charges and " opened an investigation ''. I was never contacted to provide additional information. In XXXX, they closed the case and put the charges back on my account. I was not aware of this until I checked my account in XXXX. I contacted them to complain that nobody had even contacted me. They reopened my disputes and told me I would receive paperwork containing the merchant 's reply in " 7 to 10 business days ''. It did not come. I contacted them again. The person I spoke to said no documentation had been requested and that she would request it but it would again take " 7 to 10 business days ''. I still have not received it. I called again today, was again told the paperwork would be requested again. I verified the mailing address. I was told yet again I need to wait another " 7 to 10 business days ''. This process with Barclay card has been a nightmare. When I call, I have to go through the entire story again, nobody ever gives me the same information, and they wo n't let me talk to the disputes department. They have not issued any temporary credits so additionally interest is accruing every day. They really need a better dispute resolution process. XXXX has already lied to the police about this situation so having my credit card company causing additional stress is extremely frustrating. 
Out of the XXXX initial disputes, XXXX remain open. They gave me new case number today which are, XXXX, XXXX, XXXX, & XXXX. The total of these claims is {$12000.00} I am attaching the story of the events that took place leading up to these disputes. An associate, XXXX, President of XXXX in XXXX, ultimately stole over {$40000.00} from me. I have an attorney and have retained a private investigator who specializes in white collar crimes. Based on information thus far, I will not be able to recover any of the funds from XXXX, but I am intending to press criminal charges. I would not have trusted this person without the introduction through a trusted source, XXXX 's extensive resume, and his association with " XXXX ''. Based on those references, I trusted someone I never should have. I resent the fact that I have to spend additional money on attorneys and a private investigator, not to mention the time it has taken me away from my business. 
In addition to the above claimed amount, I have not been able to recover {$10000.00} from XXXX and {$12000.00} that had been wired from my bank account. The transactions took place from XX/XX/2016 through XX/XX/2016. 
If you have any questions please do not hesitate to contact me.