davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I have multiple accounts with USAA. ON XXXX/XXXX/17 USAA. On XX/XX/2017 I deposited a {$300.00} USPS Money order made out with me as the Payee into my Checking account. According to their Depository Agreement the funds should have been available with in 2 business days. USAA put a 7 business day hold on the funds. On the day before the funds would be released I had a balance of {$220.00} and an available balance of {$23.00}. At this time a {$30.00} ACH payment was presented. This would have caused a {$7.00} negative balance. My overdraft protection linked to my USAA Account Card was charged {$100.00}, but the {$100.00} was never deposited into the account, in direct violation of the depository agreement. At this time, I try to make a payment with my Checking Account Debit Card thinking the {$97.00} remaining from the overdraft transfer is in that account, but it is denied for insufficient funds. But, I ca n't use USAA Account Card because the {$100.00} overdraft transfer has been removed from it. The response from the CEO office 's representative was I ca n't help you, I 'll add it to the discussion list at our next meeting to see if something needs to be changed. Totally unacceptable.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mr. Cooper Group Inc. (MI)

Please explain why you contact me about actions by XXXX XXXX not me. He is here in our country  on a visa using two fake SSN numbers XXXX and XXXX and cash XXXX escrow account checks in my name XXXX. XX/XX/XXXX and XXXX. Mailed out on XX/XX/XXXX and were instructed by XXXX  around XX/XX/XXXX to go make police report as XXXXXXXX XXXX XXXX XXXX XXXX and then also on XX/XX/XXXX conducted an affidavit of forgery. He continues to squat at the property. 

Also dated XX/XX/XXXX attached letter record no. XXXX he Used a fake non-existent broker as XXXX  XXXX XXXX confirmation he and attorney XXXX XXXX well aware they did not purchase from XXXX XXXX. Including the fact XXXX XXXX contacted chase as an inquires on XX/XX/XXXX ref. No. XXXX XXXX as XXXX responded WE WILL BE ABLE TO RESPOND TO YOUR INQUIRIES, IN FULL, IF XXXX XXXX XXXX XXXX CALLS US AT XXXX XXXX TO PROVIDE VERBAL AUTHORIZATION. 

ON XX/XX/XXXX AT XXXX for XXXX minutes I spoke to XXXX  XXXX XXXX mortgage department XXXX XXXX XXXX XXXX XXXX XXXX guy name XXXX XXXX is lying saying XXXX XXXX has clear title and is no clear. 

On XX/XX/XXXX spoke to XXXX XXXXXXXX he said XXXX put your two checks in an account XXXX XXXX XXXX XXXX Az XXXX
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (IL)

I have had numerous charges refunded by merchants as they were unable to deliver goods, services, and/or had services cancelled yet were continuing to charge. For refunds, I am not seeing reversals in the interest paid on these transactions despite the charges being reversed in full as invalid charges. I routinely see all other banks ( XXXX, XXXX, etc. ) refunding interest on refunded charges. Although the following refers to disputes, it clearly states that interest should be refunded when charges are deemed invalid : https : //www.americanexpress.com/en-us/credit-cards/credit-intel/dispute-credit-card-charge/. 

Today, I chatted with XXXX XXXX ( chat XXXX ) who provided misinformation about interest being refunded in the case of disputes ( he originally stated that interest is never refunded, only suspended ). I then questioned this per the above link, where it clearly states the opposite, and then went on to look at an example that had proven his information to be incorrect. He then confirmed that interest is not refunded on merchant refunds unless it meets internal criteria regarding refund timelines that is not disclosed publicly, and nothing I could verify. 

Although I dont trust the agent given the previous misinformation that he continued not to acknowledge, I am very concerned that AmEx is encouraging customers to dispute all charges rather than working with the merchants for refunds. I have been working with merchants for months for many of my refunds, only to be told that I was being punished in the form of paying interest by doing so. If only I had disputed all transactions, immediately using AmExs resources and teams to investigate, would I potentially have thousands in interest fees waived over merchant refunds. 

AmEx, something is wrong here, and I hope its the agents information provided. Customers should not be punished for recovering funds directly from merchants rather than using your companys resources, it should frankly be the opposite. This practice also goes against all other big banks and their refunds of interest on merchant refunds. 

If the above is true, I would ask that AmEx consider interest courtesy credits across my accounts given this misunderstanding and lack of clarity in the cardholder terms. There has been significant time spent on my part resolving with merchants and significant amounts of interest paid over merchandise and services never received - something does not make sense.
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (MI)

XXXX XXXX XXXX XXXX are moving slow on an XXXX XXXX XXXX XXXX when he started XX/XX/XXXX he said I must go to the bank to find out did he cash the checks. I told him that is what XXXX  employees told me and to make police report XXXX and on last XXXX  he said he still looking to find out did he cash them XXXX checks. 

On XX/XX/XXXX at XXXX for XXXX minutes I spoke XXXX XXXX and he said This guy XXXX XXXX is lying saying XXXX XXXX has clear title and is no clear title in the file and have a loan XXXX attached to your loan for XXXX to XXXX XXXX XXXX. I am also effected by XXXX XXXX data breach by XXXX XXXX around XX/XX/XXXX. 

XXXX XXXX XXXX, nationstar  are all aware of my ownership on XX/XX/XXXX as XXXX XXXX XXXX and XXXX  all in XXXX  executive office are lying saying there were a foreclosure in XXXX is a lie. Also ref. XXXX answer to his inquiry by corrupt attorney XXXX XXXX XXXX XXXX on XX/XX/XXXX, WE WILL BE ABLE TO RESPOND TO YOUR INQUIRIES, IN FULL, IF XXXX XXXX XXXX XXXX , CALLS US XXXX XXXX TO PROVIDE VERBAL AUTHORIZATION. 

On XX/XX/XXXX I spoke to XXXX  checking investigator XXXX and he said he found XXXX XXXX under that fake SSN number XXXX and XXXX XXXX cashed yo
Consumer complaint received 2024-05-03
Product: Credit 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. (IL)

Had Citibank credit card for a few months and was only using it for gas and groceries. On Friday, XX/XX/XXXX I was checking my account and noticed a {$99.00} charge to XXXX XXXX XXXX, a store I never shop at. I immediately called Citibank and they canceled my card and said I would not be responsible for the charges. They sent me a replacement card and gave me a temporary conditional credit during the " investigation. '' Instead of submitting it as a fraud dispute they submitted it as a cancellation of goods or services. 
After almostXX/XX/XXXX months of countless phone calls and promises, they reversed the conditional credit and said I am responsible for the {$99.00}. They said it will affect my credit score if I don't pay.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (VA)

Opened a checking account with Citibank online. Deposited {$2000.00}. Paid 3 bills all returned for XXXX because I did not realize they held deposits for 7 days. Sent XXXX to my husbands bank then tried to transfer to his account free but they wouldnt let me. I had to wire money 4 times which caused me to pay a wire fee of {$35.00} which I want refunded for. Then I requested XXXX wire transfer and someone from Citibank called me and interrogated me with at least 35 questions which I answered, then I received an email they canceled my wire. Next they locked my account. I personally went to a branch office in XXXX, Va XXXX miles to get my funds. I brought drivers license, check book, and answered all the questions for the lady helping me but they would not unlock my account. We have 2 retirement checks to be deposited on the XXXX and will have to wait 30-60 days. I have never dealt with any bank like this XXXX XXXX
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (CA)

I transferred {$5000.00} from my XXXX XXXX  account ( owned by my husband and me ) on XXXX XXXX. But Sofi restricted my account for now and kept holding the money, did not provide it back.
Consumer complaint received 2024-04-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (FL)

Recently, the business sent me a promotional mailing for a credit preapproval for the " Bread XXXX '' XXXX XXXX XXXX. Additionally, the promotional material claims that if I make total purchases of {$1000.00} within 90 days that I would qualify for {$200.00} in cash back rewards. As of the most recent statement, I have met this qualification with a statement balance of : {$1100.00}. Several days ago, I sent a message through the secure messaging portal on my online account, asking when I would be credited with the promotional offer. As expected, no response was received. Why?
Consumer complaint received 2024-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

On XX/XX/2024. I was a victim of fraud. I I called Citibank to report the fraud on my account. They told me they would investigate the problem. I had a wire transfer from the fraud that they said they would refund back to my account within 24 to 48 hours as it was still pending for {$2000.00} plus a {$25.00} wire transfer fee.When I called back, they told me they were still investigating. I would not be getting the funds back because the transfer had gone through! At a later date on XX/XX/XXXX they informed me that I needed to go to a bank branch and open up a new checking account which I have done. Around the XXXX or XXXX of XXXX, 2024 they told me to go back to a branch and that I could have the {$2000.00} Plus the {$25.00} wire transfer fee put back into my account from a teller from my bank. When I got there I informed the teller that they told me to come to a bank to refund the money {$2000.00} plus the {$25.00} transfer fee. They told me that they could not do it. That the funds had not been released! When I return home, I tried to call the bank again, and they told me that the investigation was ongoing as the transfer had gone through with a bank in XXXX! There is also a transfer from my overdraft line of credit for {$550.00} to my regular checking account I did not make because the scammers took that money out of the account now theyre charging me for that on the overdraft protection as well! I need that returned as I did not make that transfer! I was in the XXXX and going through XXXX, I feel that this was just a runaround to get me off of the phone. I would call them every day to see how the investigation was going. The final call I believe was on the XXXX or XXXX of XXXX and then they informed me that the money was not in the XXXX bank and that they could not return my {$2000.00} plus the {$25.00} Wire transfer fee. I can not afford to lose {$2000.00} plus the {$25.00} wire transfer fee. I am on XXXX until I go back to work and I really need that money back! There was more fraud charges on the account which they did refund, but they would not refund the {$2000.00} plus the two {$25.00} wire transfer fee! Also, every time I called, they just kept switching me from department to department. Nobody knew what they were doing at the bank when I finally spoke to a lady named XXXX in the wire transfer department. She had no empathy and just told me they could not give the funds back. I also asked her to send me all the back up from this account so that I could turn the information in With the complaint! I also asked her to ask her manager to call me back, which I am still waiting for a call and I am still waiting for the paperwork to be mailed to me! The account number that Im going to give to you is the old account number which they have closed!
Consumer complaint received 2017-01-04
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

The name of the collection agency is Portfolio Recovery Associates and the original creditor is XXXX. I made several contacts with this agency to get more information on the debt. I was told XXXX time that I owed the debt. I need more proof that I actually owe the debt.
Consumer complaint received 2015-08-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Applied for a home refinance with my current lender BofA XXXX 2015 and due to gaps in their process my credit report expired and at some point reran my credit and are now refusing to proceed with the loan, since XXXX of our credit scores is XXXX and their minimum threshold is XXXX. The delay in getting this done in an appropriate amount of time was due to documented and admitted gaps in BofA 's processes. I have emails with approval from their senior management stating loan is approved. I have a good faith statement that they sent to after they had rerun credit and knew it was below XXXX because they said would proceed with the loan due to their delays in the process. Now 6 months later I get a call stating that some committee is not approving my loan with since not at XXXX credit score. This leaves me and my family in a very precarious financial situation since the intent of the refinance was to combine a XXXX and a XXXX and credit card debts to make our monthly payment more affordable and which they had agreed to do and kept us engaged with requiring information again and again and promising that it would get done, which is all we want. See attached documents and approvals.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had an argument over the phone with a very rude and vengeful representative from Capital One Credit cards last year because i did not want to provide them with my phone number or nys driver 's license. That agent did something vindictive and flagged my account for identity fraud.

Now, i can not access my online account and i have no idea how much i owe. I am frozen out unless i give them my driver 's license ( which i refuse to do because i do not trust Capital One with my info ).

I will give my personal info to the State of NY or CFPB because i trust you but not Capital One.

My most recent of 3 follow up calls to them was XX/XX/XXXX, but i can not provide you with amounts owed because they will not give me any info.

Please help me to : 1 ) receive my rewards owed to me on both my credit cards 2 ) provide me with the PAYOFF amounts and i will pay it in full 3 ) Close both my card accounts AFTER i receive rewards owed to me.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (UT)

Navy Federal Credit Union is reporting inaccurate late notations on my credit report. I pay my bills online and did not get any notice that I was late. I only realized when I pulled my credit. The payments made online were always on time.
Consumer complaint received 2024-03-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NAVY FEDERAL CREDIT UNION (CO)

We have been working on selling our house. It was under contract and the transaction was set to close on XX/XX/XXXX. 

In anticipation of closing, the buyers acquired the necessary insurance policies, including a homeowners policy with XXXX XXXX XXXX. Our lender, Navy Federal Credit Union, disbursed a payment of {$620.00} for this insurance policy on XX/XX/XXXX from our escrow account without our authorization. 

On the morning of XX/XX/XXXX, we were notified that the buyers could not qualify for financing and the transaction would be terminated. We were unable to salvage the transaction and we no longer have a contract with those buyers. 

On XX/XX/XXXX, I noticed the disbursement from the escrow account and immediately called Navy Federal Credit Union to request that they correct the mistake. They took my information and told me they would open an investigation and someone would be in touch with me within XXXX days. 

By XX/XX/XXXX, I had not received any communication from Navy Federal Credit Union about the matter, and the funds had not been returned to the escrow account. I called to request a status update and was informed that the investigation had been closed out, but there was no information as to what the result of the investigation was nor if any action had been taken. I repeated the entire string of events to the customer service agent, and they opened a new case to investigate. I was told again that someone would be in touch with me within XXXX days. 

Between XX/XX/XXXX and XX/XX/XXXX, I still did not receive any communication on the matter despite calling XXXX additional times. Each time I have called, I was told the same thing : the person working on my case is " unavailable '' and they will call me back later. I have been promised multiple times that I will receive a callback. I have been told that the case has been " escalated to the highest possible level '' and that " an urgent request has been made to return the funds ''. There's been a lot of talk, but no perceivable action. 

The funds should not have been removed from our escrow account in the first place. We did not provide any authorization to have those funds disbursed. Based on how Navy Federal Credit Union has handled this matter, it feels like they have no interest in correcting their mistake.
Consumer complaint received 2024-04-29
Product: Credit 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: GOLDMAN SACHS BANK USA (CA)

On XX/XX/XXXX, I initiated a return with XXXX. On XX/XX/XXXX, XXXX picked up the item. On XX/XX/XXXX, XXXX acknowledged receipt of the item. XXXX first delayed the refund by a month, then later refused to provide the refund unless I submit my drivers license through a third party. I submitted my drivers license and was advised to wait 3 business days. I waited 3 business days and XXXX said they did not receive it and advised to start over. 

On XX/XX/XXXX I initiated a chargeback through Goldman Sachs. I provided documentation showing the item was returned and that XXXX failed to provide my refund. 

On XX/XX/XXXX, Goldman Sachs sided with XXXX. I reopened the dispute providing additional documentation showing that XXXX received the item and falsified their records to say they did not receive the item after filing the initial chargeback. 

On XX/XX/XXXX, Goldman Sachs sided with XXXX again now claiming that I provided documentation showing that XXXX did not receive the item. 

When I submitted documentation to Goldman Sachs, it showed that XXXX did receive the item and has now falsified their records to say they did not, but there were at least two documented references where XXXX did acknowledge receipt of the item. XXXX data shows the screenshots of receipts are genuine. Since it has been almost 5 months XXXX no longer has records from when they received or delivered the item to XXXX. 

On XX/XX/XXXX, I filed a third chargeback for this same return from XXXX of XXXX.
Consumer complaint received 2024-03-05
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Velocity Portfolio Group (TX)

Tuesday XX/XX/XXXX a guy named XXXX from upstart network called and specifically told me to save his number so I can know its him when he called he stated that when I asked what number should I look for so I saved it and he called from different Im guessing so I never answered because his name didnt come up and he also harassed me about him calling and calling me during work and also threatened to contact my employer in a rudely manner as a threat very unprofessional I told him
Consumer complaint received 2020-07-02
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)

I've been shopping around for cars so yesterday XX/XX/20 I finally applied to see if I would get pre-approved for an auto loan and I was told that I would not qualify because there are seven accounts reflecting negatively on my credit. I was not aware of these accounts because I never opened them and I didn't give anyone permission to open them in my name. The account names are the following. XXXX, XXXX XXXX XXXX, and US Department of Education. I never authorized these accounts to be opened in my name nor did I benefit anything form them such as money, goods services or any other benefit and I never made payments towards them. I have filed this report to the best of my knowledge as well as a police report and a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2017-10-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have been calling TransUnion since XXXX XXXX I have called TransUnion on several occasions on trying to get some hard inquiries removed from my credit report I have been told on several occasions by TransUnion representative that I would have to reach out to the Creditor or to the person or people who placed the hard inquiry on my credit report. I did that I called every creditors on my credit report explained to them what I was doing. On XX/X/2017. I sent a certified letter to TransUnion with a list of all the hard inquiries and the companies that furnish the hard inquiries in my report I 'm asking in my report for them to be disputed on XXXX XXXX XXXX I called TransUnion to make sure that they had received my letter I was told by one of the TransUnion Representatives that they had received my letter.the representative explained to me that they received my letter but they do not do disputes.the representative told me my dispute letter would go without a response because they do not do disputes. I have done what TransUnion has asked of me. But I am still not able to get results from teansunion.below is a copy of the letter I sent transunion.