davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CENTRAL BANCOMPANY, INC (MO)

The advertisement I responded to promised a {$300.00} credit if I opened a new account and kept it open for 90 days. I also had to fund the account with an initial deposit of {$50.00} and make two direct deposits within the first 90 days. I opened the account on XX/XX/XXXX and my first direct deposit was made on XX/XX/XXXX. On XX/XX/XXXX, my balance on the account showed {$56.00} and I made a credit card payment for that amount on XX/XX/XXXX. A day after the credit card payment cleared on XX/XX/XXXX the bank claimed an XXXX charge had cleared prior to that charge and put the account in a negative balance of {$55.00}. Prior to all of this, the XXXX shipment cleared on XX/XX/XXXX so it makes no sense the charge would disappear from the account and appear again when I had a XXXX balance to place me in overdraft. The account had been opened for 90 days on XX/XX/XXXX. The overdraft occurred on XX/XX/XXXX. They are now telling me I am ineligible for the {$300.00} bonus because their fine print indicates the account must be open for 90 days and be in good standing through the time it takes them to process the payment, no matter how long that is. This is extremely deceptive in my view both in the fact that a charge disappeared from my account and then suddenly reappeared the very day they were evaluating the account for the bonus and just happened to disqualify me. The postcard I received said no minimum balance was required. Offers like this must be clear and this was not clear at all.
Consumer complaint received 2021-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (RI)

My current mortgage servicer, dba. Mr Cooper, did not pay my XX/XX/XXXX property taxes despite having escrow to cover the amount. On XX/XX/XXXX, I contacted my town tax collector and I was informed the taxes were not paid, triggering a {$140.00} penalty. I contacted Mr. Cooper on XX/XX/XXXX to inform them of the tax payment not being made plus the penalty and I spoke to XXXX in the Escrow Department. She informed me she would escalate the issue and pay the delinquent taxes and the penalty. XXXX assured me the penalty would not be paid from my escrow account. On XXXX XXXX I contacted Mr. Cooper again and spoke with XXXX. XXXX informed me that the tax Department has submitted a tax verification request to the county and they would pay the taxes when they received a response. XXXX apparently did not like my characterization of Mr. Cooper 's customer service as poor and she hung up on me. This mortgage was completed in XX/XX/XXXX with XXXX XXXX  XXXX. Despite XXXX XXXX  including the XXXX tax payment in it's escrow calculations, XXXX XXXX  failed to pay the property taxes on time resulting in a tax penalty just under {$100.00}. XXXX XXXX  sold my mortgage to Mr. Cooper without reimbursing me for the payment of the tax penalty for not paying the taxes on time. Mr. Cooper has now missed the second property tax payment and my home insurance is due next month. It would be safe to say I have no confidence in Mr. Cooper fulfilling it's obligation with my escrow payments. Mr. Cooper representatives informed me multiple times they would not ease the escrow requirement despite their failing to properly apply escrow payments.
Consumer complaint received 2021-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

I had a promotion of 0 % APR till XX/XX/XXXX. On XXXX, I paid my balance IN FULL ( billing period XXXX, due date XX/XX/XXXX ) on XX/XX/XXXX, before due date, to avoid interest charge after promotion ended. However, in my next statement ( billing period XXXX XXXX, I was charged {$54.00} interest for my purchases happened XXXX. The way they calculated interest and promotion is super tricky, I got charged interest event hough I paid my XX/XX/XXXX balance in full. Agent told me I need to pay in full for everything happened before XXXX, which is when the promotion ended. This is ridiculous, they are using statement cycle and promotion cycle at the same time, which is super unclear to me. Also, to my understanding, I should not be charged interest as long as I paid off statement balance, however, it's not the case under this condition. Citi confuses me with the way they calculate interest and don't refund me the interest. 

I talked with 2 different agents from Citi already, they can not help me solve this problem ; I also filled a complaint on BBB, haven't heard anything from Citi yet.
Consumer complaint received 2017-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

Hello, On    XXXX   XXXX   XXXX    I received a letter via  XXXX  from  XXXX  in reference to my  XXXX  Gold Card membership. The letter stated that an annual fee of {$990.00} would be assessed starting    XXXX   XXXX   XXXX        The reason why this is problematic and why I 'm filing a complaint are as follows : -I was approved for having the {$990.00} annual fee waived as well as 0 % APR on  XXXX     XXXX   XXXX      -At that point, I had conducted balance transfers from other financial institutions in an effort to consolidate my debt ( posted   XXXX   XXXX   XXXX   ).
Consumer complaint received 2015-11-18
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC (MO)

Quicken Loans lifted the finance contingency on a home purchase, later reniging on the financing stating that debt to income ratio was an issue because of the potential monthly payment for student loans. Quicken Loans stated that I would need a consigner or to pay off my car loan at {$12000.00}. All debt obligations were visable and known at the pre approval stage prior to underwriting the loan. Due to the finance contingency being lifted Quicken Loans states that I stated that my student loans were in deferment while they were in forbearance. This is absolutely untrue, again all debt obligations were visable in the credit report. I was a recent college graduate as of XX/XX/XXXX this loan process began XX/XX/XXXX, repayment for my student loans would not be requested until XX/XX/XXXX, in which at that time a deferment could be requested. The home being purchased was a to be built with construction complete XX/XX/XXXX. Quicken Loans has caused me embarrassment, emotional distress, and cost me {$540.00}, as I lost half of my {$1000.00} in earnest money and about XXXX % of the {$400.00} in good faith provided to Quicken Loans.
Consumer complaint received 2017-08-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY (MO)

I applied for private student loans through Wells Fargo. Throughout the years I have accumulated over 100,000 in student loan debt. My parents were co-signers on all of these loans. My parents have a combined income of XXXX. My dad 's credit score is XXXX  and my mom 's is XXXX. Recently, I applied to refinance my student loans because my current monthly repayment plan is {$1200.00}. Wells Fargo denied my application to refinance, even with my parents as co-signers. My parents ' income and credit score has not decreased since my initial application to obtain all of my student loans. Why did Wells Fargo deny my application to refinance in order to obtain a reduced monthly payment plan when my parents ' credit score has not decreased from XXXX and XXXX? My parents and I are XXXX and I believe that Wells Fargo is trying to take advantage of that. This company is notorious for scamming their consumers and I really want to fight the denial to refinance my student loans.
Consumer complaint received 2015-06-29
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (MA)

I submitted a request to get refi-mortgage options and was called by Quicken Loans on XXXX/XXXX/15. The same day the loan was setup. I had said that I wanted a 30 year fixed with {$0.00} at close and {$0.00} out of pocket. I was told from Quicken Loans representative that it could be done and began delivering information that they requested of me. By XXXX/XXXX/15 they had all docs and was sent to underwriting. Over a month went by and then I received a call from QL stating that I would need to bring bring money to close. ( approx XXXX ) I began asking how this could happen and explained to them that was n't our deal. I was told that I could step away from the refi in which I explained that rates had moved and I could not get the same deal with another mortgage broker. ( I was offered the same deal at the start of this process with another mortgage broker but went with Quicken Loan after they said via email " If I commit to there company right now they could do the same deal '' ) Now I am stuck with a deal which much different than what I was told with a higher interest rate/monies atclose and QL loan appears that they did nothing wrong. Even though they said they made a mistake as all of the calls are recorded. It appears that they bait and switch you and use predatory practices to get you in the door. I think its very unfair and that they have no integrity. I have some email communications that I cant save down from my yahoo account. Please let me know and I can forward them on.
Consumer complaint received 2016-11-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.C. System, Inc. (OH)

I have a a unverified account fromI C SYSTEMS COLLECTIONS # XXXX. I had previously disputed this account. I have never done business with I C SYSTEMS COLLECTIONS. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that I C SYSTEMS COLLECTIONS Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that I C SYSTEMS COLLECTIONS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2015-06-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NH)

this debt XXXX XXXX XXXX was in bankruptcy XX/XX/XXXX. Per XXXX and XXXX they both show this to be XXXX balance and filed in bkruptcy,,, Equifax does not. Put in a dispute on XXXX XXXX with Equifax and then again to check on in XXXX XXXX, and then again to check in on XXXX XXXX. XXXX XXXX the girl said " XXXX '' said to send in documentation and will be resolved within XXXX hours. I did send it in on XX/XX/XXXX showing the bankruptcy papers and today I called in and no one would even speak to me. I being the wife of the account in dispute spoke to everyone since XX/XX/XXXX and today they do n't want to speak to me. All I want is this cleared if I sent in documentation for this and seeing that the other XXXX credit reports show it cleared as well. This should show XXXX balance and in bankruptcy. XXXX account was for XXXX Bank sent in as a dispute to state this is a XXXX balance. It shows as XXXX balance but Equifax is refusing to remove the dispute. On this XXXX the XXXX balance is correct it just needs the dispute information gone we are NOT disputing a XXXX balance account.
Consumer complaint received 2016-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OH)

Although Equifax claims to have investigated an earlier request to block items from credit profile, I have yet to receive confirmation of blocked/removed items. The prevailing belief is that Equifax is not properly meeting its due diligent requirements. For instance, the organization is content to parrot " XXXX '' data or subcontract its due diligence to a third party vendor. Moreover, there is no supporting evidence-indicating possession of goods, services or money ( received by me ). Contrary to other credit reporting agencies ; i.e. XXXX, XXXX and XXXX, despite an abundance of evidentiary documents, Equifax has refused to block/remove select derogatory items and continues to report unsubstantiated data. 

Appropriate identity theft affidavits, police report and signed ( earlier notarized ) documents were properly executed and forwarded to your organization. Thus, the expectancy is this would allow completion of affirmative action ; i.e. block negative reporting items. More importantly, in an effort to clear self of an errant and unsubstantiated credit profile data, I seek CFPB assistance. 

Because Equifax has a systemic history of non-compliance and FCRA violations, I have little confidence in agency efforts. Thus, in preparing a formal judicial complaint, I seek ( and encourage ) appropriate corrective remedy to include removal of the following trade lines : XXXX THIS IS NOT MY ACCOUNT XXXX THIS IS NOT MY ACCOUNT XXXX THIS IS NOT MY ACCOUNT XXXX THIS IS NOT MY ACCOUNT XXXX THIS IS NOT MY ACCOUNT XXXX THIS IS NOT MY ACCOUNT
Consumer complaint received 2016-09-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (GA)

Credit Bureaus need to be held accountable for their neglect and I want violation penalties accessed and awarded to avoid additional litigation and hardship that will be placed on the courts and myself. These are the only adverse items on my credit report and it has caused me extensive damage and financial hardship. Despite Federal / State law and numerous request for the credit bureaus to delete and disregard the negative items and balance owed on all accounts reported by XXXX XXXX Bank previously XXXX XXXX Bank they have refused to comply. Litigation Case XXXX XXXX XXXX XXXX XXXX. The Judge ruled against bank for possible Mortgage Fraud, all payments and funds are held in XXXX XXXX XXXX XXXX.
Consumer complaint received 2015-11-02
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (KY)

HelloOn XXXX XXXX I received a very cryptic email from Paypal that my account was being suspended for security reasons, since then I have attempted to communicate with them via phone or email to get issue resolve with no successI am being told that I have violated their terms and conditions and because of this my account has been suspended and money will be on hold for 180 daysI have attempted to find out what policy was violated and I ca n't get an explanation I have also asked why they need to keep my money and receive no real reasonI have detailed emails that I can provide with communication with Paypal on this issue to anyone that would like to reviewThanks
Consumer complaint received 2020-10-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TCF NATIONAL BANK (MI)

Paid off an Installment Loan for a Boat with TCF on XX/XX/2020, at TCF Bank, XXXX - XXXX XXXX XXXX. XXXX, XXXX XXXX, MI XXXX, and received a receipt for this payoff with the accounts ending 4 digits of the account. This loan was formally through Chemical Bank which was absorbed by TCF Bank of recent. TCF is a very difficult bank to get through to, long waits and it is difficult to get to the right person when attempting to make contact with them. Even the bank personnel complain of the same issues of waiting up to one ( 1 ) hour online. I am now receiving Statements saying I have monthly payments due aloing with late fees/assessments stating that I have missed a payment ( s ). Along with receiving statements from TCF, I am also receiving Late Fee Notices from their collections  department. They do not know where my payment went to? When attempting to call I get different answers from different people, but no real solution to the problem. I would like my payment in full made to the bank recognized by the Bank. My concern is this matter will unnecessarily be reported to a credit bureau and then I will have to waste my time to unravel that as well and I don't want I or my wifes excellent credit to be placed in jepordy. We should not be receiving continual Statements or notices from TCF Bank. What I am looking for TCF to do is to properly credit this loan account with the monies provided to  them on XX/XX/2020, provide me with a letter stating this loan has been paid in full as of XX/XX/2020, provide a written apology advising me of the bank 's error and ensuring me that nothing will mistakenly be passed on to or recorded with any or all credit bureaus or agencies causing any detrimental harm in any way against our excellent credit and providing me with a full release/payoff document that can be recorded with the title of this vessel so the same can be filed and revised on the title of the vessel with the State of MI, Secretary of State.
Consumer complaint received 2015-04-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (MD)

In XXXX, I opened an account with PNC Bank. The account included benefits such reimbursement for using non-PNC ATMs, reimbursement of foreign exchange fees, as well as others. In the last year or so, branch staff told me that their accounts had changed but that I was " XXXX of the lucky ones '' and that my account and subsequent benefits were " grandfathered in. '' I was told this by staff at XXXX separate PNC locations, and even have an email dated XXXX/XXXX/XXXX from a branch representative claiming this was the case. I recently returned from a trip abroad and was rudely surprised to realize I had been charged foreign exchange fees AND ATM fees which were not reimbursed even after well over a month. I began to look at my account very closely and realized that in XXXX XXXX I had other non-reimbursed fees. I inquired about this at the bank, and they said they must have been wrong but that their was nothing they could do. They sent the matter to their " escalation '' team who also said there was nothing they could do. I did not receive any direct communication from PNC by email or mailed letter alerting me to any significant benefit changes on my account. Had I been told I no longer had the benefits I believed I had, I would have IMMEDIATELY switched into the account that I now currently have which I 'm told ( though now I find hard to believe ) comes with up to {$10.00} in ATM fee reimbursements monthly as well as free certified checks, checkbooks, and an increased percent cash back for credit card purchases. I have consistently kept thousands of dollars with PNC and would have easily qualified for this account previously ... had anyone alerted me to the fact that I no longer had my old benefits.
Consumer complaint received 2023-02-08
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. (AZ)

My XXXX XXXX XXXX XXXX and XXXX XXXX all have been paid and closed on my credit report. The loans are closed but is reporting one negative payment missed. This is inaccurate information and affecting me negatively as Im trying to maximize my credit score and profile. These derogatory remarks from these old student loan accounts are creating numerous problems with my new reports I obtained. I just want them removed immediately off my credit report or to fix these inaccuracies payment history, so I can receive what I truly deserve for my credit report.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

Equifax continues to report fraudulent & unverifiable accounts on my credit report. There are XXXX XXXX XXXX accounts which I 've disputed with them numerous times, requested the method of verification & additionally sent a XXXX letter to the data furnisher requesting a signed contract/agreement. Neither the data furinsher nor Equifax have provided me with a signed contract of my obligation but they continue to claim this has been verified. When reviewing my file here are some facts which question the integrity of their investigation. The address linked to these accounts is not mine. I 've requested it be removed 3 times but they continue to verify it. Secondly, when I ask them to verify it they always pass the buck & say it 's the data furnishers responsibility to update their records. This is public information which is damaging my name & reputation & I 'm unable to get any financing due to the nature of this issue. This matter is also causing unwanted emotional & financial stress & I 'd like these unverifiable accounts removed immediately. If Equifax continues to claim they 've verified these accounts again without a deeper investigation I will be filing a lawsuit for violations of the FCRA. Please resolve this matter.
Consumer complaint received 2017-02-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (IL)

XXXX of XXXX I booked a hotel for XXXX XXXX on XXXX using a credit card by citibank. 
XXXX of XXXX my identity was stolen and fraudulent charges made on the citibank card. Citibank said I am not responsible and took care of it. Within a week or 2 we closed that account. 
XXXX XXXX I canceled the hotel and XXXX said they could only refund to original card so they did. 
I called Citibank and was told I would receive a check after 6-8 weeks. 
3 months later now XXXX XXXX I called Citibank and asked about the refund. They said it was credited to the fraudulent account?! How can that be if it was closed? I asked for this money and they said they ca n't do anything about it but I should contact XXXX. I did that and XXXX said the transaction was complete and Citibank has the funds. I was told to call Citibank! 

At this point I believe Citibank is the one who needs to give me my funds back. 
It seem when the account is closed they will be happy to allow money in but not out. I just want my refunded hotel amount back.
Consumer complaint received 2017-03-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I was a victim of False Impersonation, and I am one of the agents for the company XXXX. Someone how several fraudulent accounts that appeared on my personal credit ended up on the company credit report as well as my personal home address. 
I have sent in a copy of my personal police report 3 times advising Equifax that the accounts were fraudulent and should not have appeared on the company credit report or my home address ... I was told my address and the account were removed in XX/XX/2014 to date, the same accounts are still present- nothing has been removed. 

I am requesting account numbers XXXX XXXX and XXXX be removed as well as address XXXX, XXXX CA XXXX