davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-11
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (DE)

I made XXXX balance 0 % interest transfers with Discover Card in XXXX and XXXX 2015. When my XXXX statement arrived, the balance transfer of {$3000.00} and the fee of {$90.00} were listed in the " ACCOUNT SUMMARY '' section, but the amount listed in the " BALANCE SUBJECT TO INTEREST RATE '' table was {$2500.00} instead of {$2900.00}. The Discover representatives I spoke with ( five phone calls were made ) could not explain what happened and could not tell me which balances my payments were applied to. First I researched previous Discover 0 % balance transfers, found errors ( approximately {$300.00} plus interest ) in allocation of payments ( payments not applied lawfully in accordance with the CREDIT CARD ACT ) and I wrote two letters of dispute to the correct address for complaints. I did not get a response. On my XXXX statement, the second 0 % balance transfer of {$1200.00} and the fee of {$36.00} were listed in the " ACCOUNT SUMMARY '' section, but the amount listed in the " BALANCE SUBJECT TO INTEREST RATE '' table was now {$4100.00} instead of {$4000.00}. I wrote two more letters of complaint. These were mailed and submitted online. I got an online message with a local number to call. After numerous phone calls, I was finally able to speak with someone about my disputes. I was informed that Discover Card is calculating the 0 % balance transfer using the " daily balance '' method of interest calculation and that my minimum payments were applied to the balances. Another letter of dispute is going out this week. First of all, Discover Card can not apply this method of calculation to my 0 % interest balance transfer when there is no interest to calculate! The INTEREST CHARGES section on page XXXX of my CARD MEMBER AGREEMENT clearly states, " How we calculate interest charges, '' and since the APR is 0 % there is no interest to calculate. Secondly, I calculated the 0 % balances using the " daily balance '' method and could find no evidence of my minimum payments in the amount of {$100.00} ( XXXX minimum ) and {$160.00} ( XXXX minimum ) having been allocated to the 0 %. I am currently paying more than the minimum each month and I am not able to check my bill to make sure that the 14.99 % balance is correct. Finally, if things continue in this fashion, Discover will continually not report to consumers the beginning and ending statement balance for the 0 % and the 14.49 %. As a result, Discover 's customers will have absolutely no way to see if the law is being followed with regards to payment allocation and Discover Card 's customers will continue to be in the dark with regards to their balances. I have no way to calculate how much money I have lost and if Discover continues to apply interest calculation methods to balances do not require interest calculation/that have 0 % APR, I will never know how much money I will lose.
Consumer complaint received 2016-07-14
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP (DC)

Issue : - US Bank credit card was opened in XXXX XXXX : account XXXX - For 9 months payments were made on-time and frequently - One scheduled payment in XXXX XXXX was returned unpaid by my bank - immediately corrected - In XXXX XXXX, a second scheduled payment was returned unpaid by my bank - Due to this second returned payment, US Bank elected to close the credit card account completely - In doing so, US Bank confiscated XXXX reward points earned over the lifetime of the account, valued at {$2800.00} Notes to complaint regulator : - This is the third complaint I am filing against US Bank with various organizations - The credit card agreement of the above-referenced account clearly says that US Bank may close the account at any time for any reason - The credit card agreement also mentions that when the account is closed, all earned reward points will be forfeited - I therefore can not and am not disputing the contractual legality of US Bank 's actions - I am, however, filing a complaint on the basis of extremely unfair and predatory actions - While it is perfectly acceptable that US Bank may decide to close an account, I find it unfair and predatory that they should confiscate all reward points when doing so - I find that this may stem on a basis of false advertising : entice customers to apply for and utilize a credit card, allow them to earn rewards, then close the account at any time without paying on earned rewards - I am simply asking US Bank for a goodwill gesture to honor the reward points earned on my account. 
- In doing so, I would also like to alert the complaint regulator that such a credit card agreement policy ( all rewards are forfeited upon account closure ) can pave the way for such predatory practices against consumers such as I am experiencing. From my research, many other large banks have recently removed this policy altogether.
Consumer complaint received 2015-05-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (CA)

Saturday, XXXX XXXX, at XXXX I deposited XXXX {$20.00} bills into the atm at the US Bank branch in the XXXX of XXXX XXXX, in XXXX XXXX, CA. The machine and the branch are located inside a XXXX, The machine took the bills and then claimed that there was a mistake and the deposit was not made. Instead I received an " attempted deposit '' receipt with the phone number, XXXX to call for assistance. I spoke with XXXX or XXXX people associated with US Bank that weekend, and they assured me that they could n't do anything to retrieve my money, but that the machine is reconciled on Sunday nights and Monday morning, the situation would be handled. 

On Monday, the story changed. Then, I was told that the machine is reconciled on Monday night, and the claim, which can take 10 days to " credit '' my money back to me, could only be filed on Tuesday. The branch manager said she would do me the " favor '' of crediting me the {$200.00} on Monday, which she did. However, I do not think anyone considers it a " favor '' to be given one 's money back. She also threatened that if the machine reconciled without the {$200.00}, I could face overdraft fees when they debited their " favor '' back. 

The bottom line is that I have been lied to and still have no clear idea of when US Bank will concede that their atm was in surplus of my {$200.00} CASH. ( The manager did not return my phone call and left early, perhaps for XXXX activities - I had to call again to get a teller to file my claim ) I also am aware that the atm has a camera that records the transactions. So, any reasonable client friendly institution would be able to SEE the cash being deposited, be able to count the extra money, and be able to deduct that I was indeed truthful in my claim. 
I am complaining about the timeframe involved with this banking institution 's responsibility to return money due to the errors or mistakes of their equipment. We all know they make money overnight, and now they have taken the opportunity to use MY money to do so, without offering me any recompense. Their behavior is nothing short of thievery.
Consumer complaint received 2015-10-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP (OH)

On XX/XX/XXXX, U.S. Bank Card Services decided to close my credit card account with a limit of {$22000.00} that I have had since XX/XX/XXXX. In a letter dated XX/XX/XXXX, U.S. Bank informed me that since I had not used the credit card in the past 12 months that they decided to close my account. I did not receive any advance notice of them considering this decision and when I contacted them by both telephone and in a written letter, they stated that they would reconsider reopening my account if I unthawed all XXXX of my credit bureau reports. I informed them that I had to place a security freeze on my credit reports as a result of the XXXX XXXX XXXX and XXXX data breaches since I am a federal employee and that it would cost me a total of {$30.00} to unthaw and refreeze my credit reports and would also result in a new hard inquiry. U.S. Bank informed me that they randomly select a credit bureau. Before U.S. Bank decided to close my credit card account, my XXXX Credit score was in the XXXX range and now has dropped to XXXX based on the AdvantageScore from XXXX XXXX. In addition, the length of my credit history went down from good to poor due to U.S. Bank closing my credit card account. In addition, both my XXXX and XXXX credit reports remark that the account was closed by myself, when that was not the case. While I admit that I had misplaced my U.S. Bank credit card in my files resulting in the activity, I feel that U.S. Bank could have sent me a letter in advance that they were considering closing my card so I could have began utilizing the card again. My XXXX and XXXX scores are in the XXXX FICO range so I have managed credit wisely. I believe it is unfair that I am now being penalized on my credit report and score when I have done nothing wrong. I have never been late on a payment with U.S. Bank regarding my prior home mortgage, lines of credit, prior car loans, and this specific credit card account that was closed.
Consumer complaint received 2017-02-13
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (IL)

US BANK has sever offer online, but I opened credit card with them, I finish the requirement but they did not give me back the bonus. 
Now there are XXXX accounts has offer I should get but I did not, it is all like spending XXXX in 3 month and get XXXX back. check on there website page online XXXX ). and page ( XXXX ). I 've chatted with customer service phone team, they did submit request for it, but they told me they need the fine print? It is absolutely public and everybody could access to that link and see the offer at the first place. 
{$100.00} New Cardmember Bonus after you apply online and spend {$500.00} in the first 90 days of account opening. 
And the marketing team give me back a saying that I should get XXXX rewards, but that is actually regarding to the checking offer. My summer checking offer package. Code is XXXX. After I mentioned that, they do not reply me as they do not have other excuse, yet they deny the deal and offer they should give to me. 
They obviously listed everything online loud and clear, I feel frustrated about their decision.
Consumer complaint received 2019-05-11
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: DFC Global Corp. (CA)

I have received a phone call i believe beginning of XX/XX/XXXX or end of XX/XX/XXXX dont remember. It was some kind of collection agency harassing me and yelling at me trying to collect {$4700.00} for Money Mart and for some reason saying it was mine and i opened the account back in XX/XX/XXXX but yet It was never reported onto my credit report until after that phone call on XXXX XXXX and i believe XXXX as well since they report to both of those bureaus it was a woman saying she has been doing collection agencies for 15 years. Very rude and threatened me to go to court for me doing fraud with inaccurate and fraudulent information and reporting. I attatched a screenshot of what that company has reported on my XXXX XXXX. AGAIN never was reported onto my account until after the phone call and it says the account was closed XX/XX/XXXX. They have no proof of payment history. High balance is {$2500.00} but were trying to collect {$4700.00}, and as you can see somehow my last payment was XX/XX/XXXX. All of these are against the FCRA Section 609 E Please remove this inaccuracy from my report because i felt very harassed and everything is inaccurate and affecting my credit score negatively.
Consumer complaint received 2016-08-16
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (NH)

I am having problems with US Bank Loss Mitigation department in processing a short sale and receiving expeditious responses from Short sale personnel, team members and even Executives. The loan is a 2nd mortgage home line of credit and the 1st Mortgage has already been Approved. Paperwork was initially sent on XXXX/XXXX/16 but I did not get a response on receipt and I had to fight with everyone that I spoke in Loss mitigation department until a customer service rep finally who gave me their email address. I sent all documents via email. I was told by the same person that gave me the email address that there is no escalation available for short sales in the XXXX XXXX that it will take months and months, which is untrue because we have processed short sales before with the same Lender and there was an escalation option. 
In between my correspondence with the customer service rep and calling the Loss Mitigation department which proved useless, I called and emailed the contacts I was given by my co-worker sent me on these dates asking for assistance and sent them documents : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. On XXXX, I called the complaint department and made a complaint/escalation giving full description of the short sale issue, that we need help, that we have approval letter, etc. I was told that they had a deadline of XXXX on this issue then I would get an answer but to call back on XXXX Monday to see if there was a resolution. On XXXX, Monday, I called in to the complaint department to see what their answer was. I was told by one of the managers to call back on XXXX or XXXX late afternoon to get that resolution because it was not ready yet. I called XXXX in the XXXX and that was when the customer service and the same person that took my complaint claimed not to have my authorization. I had to insist on speaking to the manager. She finally transferred me to the manager and was told that there was no authorization on file. I got his email address and sent him the authorization. Today I get an email from him letting me know that I can send him a detailed email regarding our complaint. He also said he would send our authorization to various departments that needed it in US Bank. I have re-emailed a long description of our complaint to him and to other executives and personnel with US Bank regarding our complaint and a complete timeline of it.
Consumer complaint received 2016-06-28
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Comerica (TX)

I receive monthly benefits from S.S.I. XXXX. On the first of each month my benefit payment is put on a debit card in the amount of {$730.00} via a Comerica Bank Direct Express Mastercard debit card. On XXXX XXXX, 2016 I discovered that my balance on the card was only {$140.00}. I only used my card to make a purchase on XXXX XXXX, 2016 for about {$15.00}. As soon as I discovered that several hundred dollars was missing from my account I called the phone number on my Direct Express Mastercard to report that my funds were not in my account. It took me over two hours of waiting on hold and repeatedly getting hung up on before I was able to contact the Comerica Bank Direct Express fraud line. I reported to them finally that my money had been robbed from my account. They informed me that someone in Florida had withdrawn several hundred dollars from my account at an ATM at a XXXX store. I live in XXXX XXXX XXXX and have not been to XXXX. I ask the fraud line to hold off on cancelling my card till I could go to a Comerica Bank ATM where I was able to withdraw {$140.00} of my {$140.00} balance. Even though I used a Comerica Bank ATM I discovered they still charged me a {$3.00} fee for using their ATM. After much difficultity and a long wait on the phone attempting to call Comerica Bank back to cancel my card. They told me that within ten days they would mail me a fraud form that I would have to fill out and mail back to them and then they could conduct a fraud investigation that would take up to 45 days before I could get my SSI XXXX funds refunded to my account. Today is XXXX XXXX, 2016 and I have not yet received the form they promised to send me to start the process to get the money stolen from me back. On XXXX XXXX, 2016 I opened my own direct deposit bank account with another bank since evidently the Comerica Bank Direct Express system is not secure and due to a fraudulent breach of their data base my money was stolen from me. I have only used my card to either make ATM withdraws or to make purchases at the store and to pay utility bills. I have never used my card to make any purchases online nor used it in anyway to put the security of my card at risk of theft. As a consequence of my money being stolen from my Comerica Bank Direct Express account I have not been able to pay my bills and have suffered serious financial hardship and had to lean on family members and friends just to eat and try to get by without the money from my SSI XXXX in the month of XXXX 2016.
Consumer complaint received 2017-03-20
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Stellar Recovery, Inc. (GA)

I received a letter from Stellar Recovery for an alleged debt in the amount of {$620.00} on XX/XX/2017. I responded to the letter requesting debt validation on XX/XX/2017 via certified mail. Letter was delivered on XX/XX/2017 but the credit agency never responded for which, they should have responded within 30 days. The said debt collector is now in violation of FTC compliance.
Consumer complaint received 2021-03-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (TX)

back in XXXX I had financial hardship due to covid. I called Westlake financial to tell them what was going on. they did offer one month of no payment but since I got furloughed from work I would still be in trouble. they are trying to hold me accountable for a vehicle that I gave back to them and now it reflects late payments and different amount. I did have XXXX for pay off now they went from that to XXXX and I have a letter to send them XXXX this is totally wrong
Consumer complaint received 2021-09-01
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. (MI)

On XX/XX/2021 XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon further research, on XX/XX/2021 I asked the company XXXX XXXX in writing to verify this account. In which the account stated I owed a balance of {$840.00} dollars. After the 30 days I than demanded for this account to be removed from my credit report, due to the fact debtor creditor states their verification process was completed stating I attended this school. XXXX XXXX is also reporting inaccurate account information, such as payment status, balance due, creditor name, I feel as I am not responsible for this account. There was no written form of communication, contract or signature for the accused Derogatory account at all. According to the FCRA XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this collection account off my credit report.
Consumer complaint received 2016-09-20
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (CA)

I recently filed a complaint about US Bank. They held the second mortgage to a home i owned, and I tried and tried to get them to modify my loan, but they never even said yes or no at the time. I ended up losing that home. 
US Bank sent me something in the mail. They sent me a copy of a note I signed, stating and agreeing that I wold NOT take the XXXX dollars I could have got from their line of credit. They call this their " loan modification ''. 
WHAT A JOKE! ... ... .... I have been a realtor for over 20 years, i know a little more than the average person. 
- In reponce, I called US bank up last Friday, XX/XX/XXXX. I had to talk to XXXX people in XXXX different departments, i kept getting tossed from one rep to another rep.. etc. 
Finally, one rep said.. " oh. im reading here that we kept asking you and asking you for documents, and we never got them ''. so your loan modification was denied ''. 
NOW I remember what happened. i was completely eligible for a loan mod. the investor was XXXX! i had a TRUE hardship ... I became XXXX to work! ... .. I emailed US bank most every day, the rep was okay. 
but- now they say I did not get a loan mod was because they didnt get the paperwork? - I faxed them ALL paperwork. Then they said they didnt get the fax and faxes. I had to XXXX with proof of service directly to their physical office.. I still have this paperwork, and proof that I XXXX it to them. 
i really miss my house. If they had only done a loan mod, like most banks were doing, maybe I could still be happy there. I am a XXXX year old woman.. i was planning to retire there. US BANK was unethical and illegally denied me a loan modification.
Consumer complaint received 2015-04-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (OH)

I wanted to stop XXXX ( XXXX ) automatic monthly withdrawals from my checking account and was told by the person at the bank it would cost me {$35.00} each to do this ( {$70.00} ). I told her this was a rip-off. It took her less than XXXX minute to enter the information into the computer to stop these monthly withdrawals.
Consumer complaint received 2017-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

On  XXXX    XXXX  ,2017  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Ca  XXXX   XXXX  had had inputted an inquiry on my credit report without my consent or knowledge.
Consumer complaint received 2015-11-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (NY)

I have XXXX loans that I make auto-payments on every month from Sallie Mae. I was told my account was " delinquent '' due to non-payment for four months. This was not true because there was money deducted every month from my checking account along with updated payment history on SallieMae.com. Interestingly enough, the person that was " handling '' my account admitted it to being Sallie Mae 's mistake. She also said she 'd make sure that the mistake would not be reported on my credit report. Fast forward to two months later and the issue was placed on my credit. I have gone through so much with this company ; I have never been more stressed in my life. I thought that this was a loan company that would let me look forward to a great college education but I ca n't when I 'm being backed against a wall for their mistakes. They are not loyal to their customers and they certainly have no remorse for their wrong doings.
Consumer complaint received 2017-01-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (WA)

I 've called Sallie Mae a few times now to try and get an extended loan for lower monthly payments. They will not offer me this, they instead tell me my two options are putting my loan into forbearance for three months if i pay them a {$50.00} " good faith '' fee OR if i just flat out do n't pay my loan a collection agency will call me and help me set up a payment plan. Both of these options only hurt me and help them in the long run. How are they allowed to try and force me into collecting large amounts of interest or late fees?