davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Synovus Bank (GA)

This complaint is submitted by counsel as attorney for the complainant at his request. Complainant is a XXXX-year old double leg amputee and XXXX veteran. 

On XX/XX/XXXX, complainant had his checking account with Synovus Bank in XXXX, XXXX On that day, he visited a Synovus Bank branch and informed it of numerous unauthorized debit card transactions in his account. He was told the bank would fix it, asked not to close his account, and to make a police report. Complainant did so, making a full report to a police officer at the branch the next day. Complainant was not told of anything else he needed to do and believed the matter would be resolved by Synovus. Complainant visited the branch two more times to check on the matter. Each time he was told the bank would be telephoning him. It never did. 

Still having no word from Synovus, in early XX/XX/XXXX, complainant again visited the branch. He was told he had never disputed the unauthorized transactions, that he had to fill out the written form and that he could not recover anything for charges older than sixty days from that date. Synovus therefore denied complainant recovery for the month of XX/XX/XXXX, the month which had the highest amount of unauthorized charges. 

Synovus subsequently recredited {$2200.00} to complainant, but complainant has still lost over {$23000.00}, which Synovus refuses to recredit.

Additionally, complainant by letter to Synovus on XX/XX/XXXX and XX/XX/XXXX requested it to provide him with information and clarification pursuant to 12 CFR 205 et. seq. on : ( 1 ) All EFTs in issue from XX/XX/XXXX to the present for which Synovus failed to recredit complainants account ; and ( 2 ) All EFTs in the same period the investigation of which Synovus closed for alleged lack of information. Synovus has made no response to these requests.

Synovus conduct above violates Regulation E.
Consumer complaint received 2018-09-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TN)

I moved into this apartment XXXX on XXXX. At the time I was in desperate need of a place to live so I was willing to pay just about anything to find a place to stay. They sold me on the fact they were planning on updating the place with new amenities. When I saw the suppose Demo unit for the place it was beautiful. Unfortunately they didn't keep any of their promises. I never received my in-unit washer and dryer, I never got my in-unit table but every month I was being charge the price of having all these amenities. 

I then contacted the office and the manager XXXX to figure out what was going on and he explained to me that everything would eventually be installed. None of what was promised happened. I didn't feel it was fair to be charged for something I never received so I explained to the office I wanted to move. They were extremely rude about the situation, the threatened to mess up my credit and never gave me any paperwork necessary to move forward with the process. I moved out all my belongings and returned their keys to them even after they informed me this my moving out would mess up my credit. Now they're charging me upwards of {$3300.00} when they didn't give me my security deposit back ( which I didn't expect to receive back ) and I honestly don't think its fair whatsoever and I would like it removed off my credit report.
Consumer complaint received 2019-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (WA)

I was a Wells Fargo customer for over 15 years with a checking and savings account, and for a slightly lesser time a credit card. About a year ago, I closed my Wells Fargo checking and savings, due to holds on deposits and blocks on my debit card for no justifiable reason, in addition to constant high pressure sales for more accounts, and consistent news regarding their unsavory business practices. For several months after closing my deposit accounts, I continued making regular payments to my Wells Fargo credit card from my other bank checking account. There was never a returned payment, and never a late payment. Suddenly and without warning or reason, about 2 months ago Wells Fargo started placing long holds on my payments made to the card. The first hold, I called customer service and was transferred a couple of times, before being told that the department that handles those holds is not " customer facing '' and the only option for contact was to request an email be sent from them that I could respond to. So, I went forward with that process and spent about a half a day before I was able to have the hold removed. I have now had to repeat that process several times - with even a 'test ' payment I made of {$100.00} being held, as well as any larger payments I've made. The department handling the holds or release of holds is not open for the same extended hours that general customer service is, so twice now I've called, been placed on hold, been transferred twice ... only to be told that the department is closed and I'd have to call back the next day. I have asked why this is happening and have not received an answer. I have asked how to avoid this on EVERY single payment I make, and not received an answer. Last week, I applied a payment to the card that would clear the balance to XXXX - while I don't wish to close the card, due to the long positive history I have with it being necessary to maintain my credit rating, I was so tired of being bullied into opening another Wells Fargo account just to have this stop happening. As it stands, I made that payment on Friday, it was " processed '' by Wells Fargo and cleared my other bank checking on Monday, and as of today the payment is still being held. I called this morning and after two transfers, the 3rd person I talked to suggested that it was the size of the payment causing the issue. I argued that they'd even held a {$100.00} payment when I was testing things out. She then suggested it was due to the outside bank being the source ( even though my payments have been coming from that same account without issue for months ) and made reference to a Wells Fargo checking, as many before her have done. Wells Fargo continues to bully their customers, operate in a way that causes undue inconvenience, and proceed with a course of action that they only get away with due to their size.
Consumer complaint received 2019-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

My mortgage was transferred to a new company effective tomorrow and nobody ever provided any notice at all. The only reason I know is because of the welcome e-mail that I received today, 1 day before the transfer is effective. They are supposed to provide 30 days notice. Ditech did not do this.
Consumer complaint received 2019-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY (NV)

I applied for a wells fargo secured credit card to build credit without reading all the horrible reviews on this card. 
The address in which i applied as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX on XX/XX/2017 The clerk told me if I made on time payments and paid more than my minimum I should be approved within a year or less. 
I've called for an upgrade to a credit line a few times & I am given 3 reasons which I dont agree with, 1 being other deliquent accounts which was never explained to me. My credit wasnt good to begin with which is why I went with a secured card to Build my credit. 
Ive never received any paperworks proving that there has been a deny on a credit line or reason why. 
I now have 3 other credit cards which are not secure and I dont understand why my card can not be upgraded. 
I was given false information from this branch, made on time payments, always paid more than my minimum havent went over my limit which was told I would need to do to upgrade. And now i cant upgrade because i have deliquent accounts which are unrelated to Well Fargo overall. 
This is my oldest account and it will hurt my credit to close. 
This is not right and they lied to take a deposit for an account that will stay secured forever and may never be upgraded according to the bank now.
Consumer complaint received 2018-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

I have been in the process of going back and forth with XXXX regarding a discrepancy on my bill. This issue has been mishandled from the beginning and I have been receiving the run around from XXXX for the past two and half years. 

SUMMARRY OF EVENTS I use my XXXX account to make a payment installment on my daughters tuition ( {$2200.00} ). 
One week prior to my due date I visit a XXXX location and pay my balance in full ( as per usual ) Come next months bill, I see {$220.00} was paid on my bill, {$1900.00} less than the amount I paid in full. 
Called XXXX right away and was told it was an error in their system which will be addressed in the next bill. 
In the next few months, I was constantly being told the same thing when my bill arrived. 
Started a case with XXXX and was given a case number. 
Called many times inquiring about the case and was told it was being reviewed or it has been escalated. 
Recently, I was finally told that XXXX is unable to rectify this issue and I would need to file a claim in court. 

Before this occurrence, I have paid my bill in full and on time with XXXX on a monthly basis. Since then, I would keep track of all my purchases and pay that amount only. I have cancelled the card and would like to finally rectify this issue.
Consumer complaint received 2019-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

On XX/XX/2019 a settlement agreement with Citibank re : XXXX Credit Card was settled in the amount of {$3000.00} and payment was remitted. 

Citibank accepted this settlement payment and then sold entire debt to XXXX XXXX in XXXX. 

As of today, Citibank states that they have sold the account to XXXX XXXX and will not provide proof of settlement payment in full letter as requested. Per Citibank they have no records because account has been sold and has informed me that I must speak to XXXX XXXX. 

On XX/XX/2019 at XXXX am, Citibank was faxed proof of payment in addition to settlement agreement letter. As of XX/XX/2019 Citibank states that they do not have proof of receiving this fax and they have no proof of me starting a dispute with them. 

I am receiving letters and today I received a phone call from XXXX with XXXX XXXX stating if I didn't work out the payment they would be sending this to a lawyer for arbitration thus threatening me to remit payment. I repeatedly informed her that I would not be making additional payments on an account that I settled.
Consumer complaint received 2019-06-10
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY (MA)

On XX/XX/2019 at approxitmley XXXX, a gentlemens that only identified himself as XXXX call my work phone number. I explained to him that he should not be calling me at work and he indicated that he didnt have any other phone number for me ( untrue ). I ended the call as I was in a meeting and he subsequently called my cell phone and then my work phone again within a matter is minutes. 

The debt belongs to my son. However, I did co-sign his loan. 

My son has XXXX XXXX  issue after a susicide at his school and had to take a XXXX XXXX XXXX XXXX. He called to request a hardship defferment from Wells Fargo and was told that he needed to make a payment first and then they may grant him a 6 month deferral. When he tried again to explain his finical sistuation, they failed to offer him any other options. 

The loan was charged off and it was brought to my attention when it hit my credit report. I then called Wells Fargo to complain and was told I sign a contract and there was nothing further they would do. The Representative I spoke with was very unprofessional and raised his voice often. I explained that my goal was to resolve this debt and the representive said there was nothing more they would do.
Consumer complaint received 2018-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK (MI)

I went with my XXXX year old mother to purchase a new car at XXXX XXXX of XXXX located at XXXX XXXX XXXX XXXX XXXX, Michigan. 
Prior to going there my mother and I had been to a different nearby XXXX Dealership for purchase of the identical vehicle she was sold fraudulently by XXXX. My mother is physicaly XXXX after a very serious automobile collission. At the time we went to the first dealership we discussed the vehicle she wanted, the accessories she needed, but my mother was not physically up to purchasing a new vehicle then. That salesman set her two handwritten letters saying she could lease the same vehicle she ultimately purchased for no money owed at the time of purchase, and lease payments of approximately {$150.00} per month, consistent with newspaper advertisements from all XXXX XXXX dealership. She was ready to purchase, called this salesman to discuss figures and he required she come into the dealership to discuss figures which she was unable to do this.She built the car on the XXXX build a XXXX website and received a call from a salesman at XXXX who said he would have her in and out of dealership in less than 30 minutes. Salesman asked me for my Discover Card. I said why, he said please sign receipt everybody pays {$1100.00} at closing. Salesman fraudulently for {$3600.00} which I did not know until I got my bill. Then two people came over and had us sign blank screen. In violation of Michigan Law we left the dealership without any purchase documents. Almost a month later we received the purchase agreement which was fraudulent as the dealership filled in figures after we signed blank documents and we never agreed on. It was fraud. Discover has a policy where they guarantee a best price guaranty that Discover violated. Discover will not dispute fraudulent {$3600.00} although it was clearly fraudulent as even dealer agrees they are in violation of Michigan and Federal Law
Consumer complaint received 2021-01-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX hasnt updated my Credit score with their third-party XXXX XXXX, XXXX XXXX manager, XXXX. To-date its been 4 months and Ive Not received an Denial and or Approval letter. Equifax continues their XXXX XXXX acts with my Credit Report. Theyve removed my XXXX accounts and other Revolving and Installment accounts with efforts of XXXX me XXXX, XXXX XXXX living my best life. Now I told you Consumer Financial Protection Bureau that you are allowing this XXXX XXXX, but the Consumer Financial Protection Bureaus testimony is going to make a Rich man, again my Filing of Congressional inquires will make you folks talk and will also show XXXX acts by the Consumer Financial Protection Bureau internally, No one is Stopping me. I need documented evidence from you, the Consumer Financial Protection Bureau even if Congress has to get you folks to respect my Complaint, got it! XXXX XXXX XXXX hasnt Approved or Denied my XXXX Mortgage application.
Consumer complaint received 2019-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (FL)

I paid my full balance for my discover credit card on XX/XX/2019 and it's still not updated and called them multiple times and still nothing and it adversely impacting my credit score. I would like my account updated to a XXXX balance ASAP and any late payments removed because this account was paid on time.
Consumer complaint received 2019-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

I become a student in XXXX XXXX  XXXX with University XXXX XXXX obtaining an Associates Degree. Each semester I believe they were overcharging the amount the school needed for my Pell Grants and Federal Subsidized and Unsubsidized loans. This was my first time ever going to a college and I never understood why they needed so much money when my two courses where under XXXX XXXX dollars and the school was asking for over XXXX XXXX dollars. I attended at University XXXXXXXX XXXX from XXXX of XXXX until XXXX and withdrew from the school because I felt I had more options at a different college in terms of the degree I was seeking during this time. I completed all of my courses from beginning to the last course before I withdrew from the school, then the University XXXX XXXX told me I broke their contract and would need to pay an additional XXXX XXXX dollars for a course I never even took. I satisfied paying this debt to the University XXXX XXXX in XXXX. Since learning about the University XXXX XXXX and how they have handled funding I would like to put forth a complaint regarding this matter. 

According to the DOE an article released states, " In the lawsuit, we found out that the University XXXX XXXX has been accused of submitting false information about its student aid statistics to the Federal Government, which allowed the school to qualify for additional federal funding that it never should have been able to receive ''. On Thursday, XX/XX/XXXX the Department of Education announced they will begin issuing Borrowers Defense to Repayment Discharges for up to {>= $1,000,000} in contested student loans. This is in direct response to a Federal Judges ruling that XXXX XXXX needed to terminate all delays in the BDAR approvals process.Odds are very good that University XXXX XXXX loans will be included in this wave of approvals, and DOE promised to start emailing borrowers on Friday XX/XX/XXXX to alert them that their debts from the cancelled loans would be eliminated within 30 to 90 days.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

On XX/XX/2019 my equifax credit report dropped 87 points to XXXX   for no reason at all. It appears to be a clerical error. Whoever made this error should be disciplined or fired. There has been a brreach with my security with equifax and i will attache my claim.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX/XXXX;XXXX;XXXX XXXX;XXXX XXXX;XXXX/XXXX;XXXX;XXXX/XXXX;XXXX XXXX;XXXX;XXXX;XXXX;XXXX;XXXX;XXXX/XXXX;XXXX;XXXX;XXXX;XXXX;XXXX XXXX;XXXX;XXXX;XXXX;XXXX;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 2019-03-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (VA)

XXXX Storecard and Synchrony Bank has been charging my account for returned items that were supposedly refunded. Both XXXX and Synchrony Bank websites show items were refunded but after reviewing the monthly statements, the refunded items are still showing up in the balance including interest totalling to at least {$1500.00} each month from XX/XX/2017 to present. Ive repeatedly brought this to their attention but was dismissed. Attached is the latest statements and invoices showing refunded items and balances
Consumer complaint received 2018-10-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Accel Loans, LLC (MO)

I applied for payday loan with XXXX XXXX XXXX, agreement has XXXX credit with finance charge of XXXX total of payments {$210.00}, with equal weekly electronic payments of {$12.00} to start on XX/XX/XXXX and final payment of XXXX on XX/XX/2018. However only 8 payments were withdrawn and then stopped and resumed on XX/XX/2018. There was an additional interest charge of {$47.00} added not related to NSF or late fees. On XX/XX/2018 when I went to XXXX XXXX XXXX office and they stated that I failed to make payments and they sent email related on non payment. I did not however receive any emails, phone calls, or letters related to this matter. They also said no payments for 35 days, offered no explanation and declined to give a refund, stating that it was my fault for not making scheduled payment. Clearly the issue was on there side but they failed to take fault. I even spoke to my bank representative and was no attempt from XXXX XXXX XXXX for payments between XX/XX/2018 and XX/XX/2018. Loan company did not abide by terms of contract with scheduled electronic payments
Consumer complaint received 2019-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (DE)

Mortgage service company Wells Fargo has not sent a form XXXX. They send paper statements monthly but apparently I need to access form XXXX electronically. I went to access the account online as I have done periodically. They have made changes to the online access and I am not able to access the account. In trying to resolve the issue, I have done all the various routines, including forgot username, forgot password, set up electronic access, and called them. When I called, they told me to enter my username as all caps and they would then require me to create a new password. This also did not work. They told me to use XXXX XXXX which I also tried and this did not work. There was no resolution. 

I have also tried to simply enroll using my SSN and the mortgage account number from a statement but it says it does not recognize my information. 

I don't know the situation as to the online access being disabled. I speculate it was related to the access through XXXX being transitioned to another mortgage servicer " XXXX '' provider. In any case, this lack of ability to access my account or get it resolved, and lack of access to my XXXX is unacceptable.
Consumer complaint received 2019-03-13
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. (MI)

I requested that verification be provided to me for credit inquiries that posted to my credit report. 


XXXX XXXX XXXXXX/XX/2018 XXXX XXXXXX/XX/2018 XXXX XXXX XXXXXX/XX/2018 XXXXXX/XX/2018