davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-23
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: BARCLAYS BANK DELAWARE (NY)

I contacted the company ( XXXX XXXX Confirmation # XXXX ) with the request below, but I was really surprised to hear that they would not be able to help me at all. Even though I was trying to do everything in my hands to keep the payments current on my obligations. I believe the lack of sympathy during a costumer 's hardship is proof that banking companies only care about profits. In addition, the company will not offer any help or assistance unlike other credit card companies that I contacted. 

" I am writing this letter to inform you that I have lost my job on XX/XX/2015, and I am having difficulty paying all of my debts each month. This is a temporary condition as I decided to improve my skills by going back to school to get the XXXX license. I suspect that I am going to have trouble paying my debts for the next year as I have depleted most of my savings in my school cost, licensing cost, and personal living expenditures. 

I want to do everything I can to keep my accounts current and stay out of collection. Therefore, I am requesting that the interest rate on my account be lowered significantly, and if I could make interest payments only for the next 6 months ( I should be working and financially stable again ) so that my monthly payment will be lowered, and I can continue making my monthly payments without defaulting. 

I believe that if we both work in good faith, we will save each other unnecessary financial harm and many costs by avoiding going into a reduced debt settlements or a time consuming debt negotiation. 

I would like this payment reduced As Soon As possible so that I can continue to pay all of my bills and living expenses on time and current in this time of economic hardship '' Then : I sent an email, and left a voice mail to XXXX XXXX, but they were not answered. I received the letter attached via USPS mail, but it is not addressing any of the matters. As per the letter, the bank is unwilling to do anything unless I default, which it is actually ludicrous. 

XXXX, XXXX, and other financial institutions have worked with me, and offered me financial solutions with lower APR and payments in order to avoid delinquency. The bank 's position should be consider predatory lending, and it should be look into closely by the CFPB. 

Please let me know if there is anything that the CFBP can do in this regards. Meanwhile, I am going to look for other options like filing separate complaints to the XXXX, FTC, the local and national Dept. of Consumer Affairs and NYS Attorney General to address this matters. 

Thank you so very much.
Consumer complaint received 2016-11-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: USA DISCOUNTERS LTD (IN)

USA Living has been harassing me and making threats to me of taking me to court for dept that I currently can not pay cause i just got out of the XXXX and told them that i am trying the best i can to find a jobs to pay but also feel i have been a victim as well. I know they been sued for there practice and i know they plan on using a XXXX court to do so knowing i can not make it. I need help.
Consumer complaint received 2016-05-19
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (AZ)

I purchased a laptop computer on line from XXXX XXXX. This is the XXXX XXXX I have ordered and all have been defective and had to return them. I purchased this XXXX through a different vendor thinking that would help. It came to me messed up so I called XXXX who worked with me to fix it however, it did n't fix it. Now it is even worse. I tried to return it as the ship date was XXXX XXXX, 2016. They said it had to be returned the XXXX since I ordered it on that day. This computer is useless and I can not use it. This does not seems right to me at all. I am simply out the purchase price of a defective computer.
Consumer complaint received 2016-07-25
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (WA)

Savings account at Synchrony was LOCKED due to invalid password. 

Synchrony after 2 horus of repeated calls COULD NOT unlock account due to internal Synchrony security procedures. 

1. I have NO mobile phone which Synchrony REQUIRES to get a text message. 
2. I have NO internet at home so can not request CALL of code and be near home phone. 
3. When requesting CALL it goes to recorder where Synchrony will NOT leave code. 

Thus a {$300000.00} accoutn can not be accessed due to incompetent Synchrony security procedures and manager said no other ooptions. 

As I tarvel world-wide I can not call from multiple countries if account gets LOCKED due to password issues. 

very sad and incompetently manged banking institution to implement such incompetent security procedures.
Consumer complaint received 2016-10-21
Product: Credit card — 
Issue: Payoff process — 
Company: DISCOVER BANK (LA)

I signed up for 3 automatic payments with discover card to bring my account current. After 3 months i was sinstructed to call in or make manual payments. After the 3 months my account was not current. I asked why. Discover said that i didnt get the full amount credited to my balance because i had been a part of the program the prior year. Therefore the interest and late fee charges still applied. AboutXXXX of XXXX dillars was going to my past due balance. When i complained, Discover told me there was nothing they could do.XX/XX/2016 money was automatically withdrawn from my account. Now XX/XX/2016 XXXX dollaars was taken from my account. When i call to complain they also tell me tbere is nothing they could do because there was no notation in the system stating that i wanted to stop payments. However the original agrement was that i only pay for 3 months automatically and then i would switch to manual payments ( hence no automatic payment occurring XX/XX/XXXX ). Im HIGHLY upset.
Consumer complaint received 2016-06-10
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (MI)

Contacted Synchrony Bank regarding my Sam 's Club Credit card on the XX/XX/XXXX to ask for a credit increase of an additional {$4000.00}. to pay for a boiler for my home. The credit increase was approved immediately. 
On XXXX I transferred {$3500.00}. from my savings to checking and made a payment on my Sam 's account and on XXXX my husband made a payment of {$3300.00}. from his bank account to the same Sam 's account. 
Called the bank on XXXX at XXXX because the available credit balance was {$10000.00}. I was told that a hold for the {$3500.00}. payment was put on hold because I had made XXXX large payments on my account and the hold would be release after 48 hours. I did get upset on the phone since my understanding that a wire transfer from one bank to another was immediate and could not be held. The payment on Sam 's website said posted. The {$3300.00}. payment from my husband 's account made on XXXX was processed with no issue. Not sure why they put a hold on the first payment not knowing I was making a second payment for making XXXX large payments. I was also told that they can put holds on payments and did not have to notify me. The account manager said I could get another credit increase, which she processed and came back to say that I could get an increase of an additional {$1500.00}. Refused increase because it did not help out of the situation to pay for the boiler on Friday. I asked to have the terms and conditions sent to me by email that identifies that they can hold payment if XXXX large payments were made on the same account. Still have not received. She transferred me to an underwriter to see if the credit increase could be {$4000.00}. which was needed. After trying to process again, he came back and said he could increase for additional {$1000.00}. I said I would file a complaint not knowing what else to do. 
After calling no satisfaction and said I would file a complaint
Consumer complaint received 2015-08-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: First Data Corporation (NC)

Went to XXXX in XXXX, NC and wrote a check for {$57.00} The check was improperly denied. I received a call number slip with Telecheck as the point of contact. The denial code I received was Reason XXXX XXXX XXXX. I spent XXXX minutes on hold and I was abruptly dropped as soon as my call was transferred to a live person. I demand a copy of my Telecheck credit report. Also, if Telechecks fails to clear my file and resume authorization of check writing, I will have no choice but instruct my Chapter XXXX Bankruptcy Attorney, XXXX XXXX of XXXX in XXXX, NC, to file a Federal against Telechecks. 

Telecheck should know that their competitor, XXXX, engaged in similar practices and had a Federal lawsuit brought against them. XXXX lost the lawsuit had to pay XXXX in fines and punitive damages to customers. If need be, I will bring a similar lawsuit against them and if need be, find others to pursue a multi-party class-action against Telecheck.
Consumer complaint received 2016-04-30
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BB&T CORPORATION (TX)

I brought a car from XXXX XXXX in XXXX, Texas in XXXX, 2011 I found out my company had lost the contract at XXXX and I was GOING TO OUT OF WORK. I contacted the dealership and told them that I could not afford to pay for the car, they told me to contact the dealership. call Regional Acceptance CO a week after I brought the car and tried to explain to them my dilemma. They tried to talk me into keeping the car, and finally decided to come to my home and pick it up. I will be a first time home buyer and thgis is stopping me from purchasing a home. CAN YOU PLEASE HELP ME?
Consumer complaint received 2022-08-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2017-03-21
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AR Resources, Inc. (GA)

On XX/XX/2017, I found an account start reporting on my credit report in the AR Resources Inc office. I faxed a letter requesting more information about account but 11 days I wake up to XXXX more accounts added on my credit report. I have no knowledge of these accounts and never received a dunning letter referencing any of the accounts. Here 's XXXX of XXXX accounts.
Consumer complaint received 2017-01-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (TX)

I received a loan estimate for Quicken Loans on a new construction home. The loan estimate is what I used to select the mortgage company I selected. Quicken 's loan estimate indicated a {$2200.00} Adjustment/Credit, which I inquired about. I was told by the loan originator that it was money collected from closing which would be forwarded to other parties, such as insurance and HOA dues. This seemed to make sense because I had explained I did not want to escrow my taxes or insurance. The " cash to close '' amount is specifically what I used to proceed with Quicken, rather than the builder 's mortgage company, who was providing {$2500.00} incentive to close with them ( XXXX ). 
A week before closing, my loan estimate went up by {$3000.00}, even though they removed the homeowners insurance amount, as I paid this up front with the insurance company. When I inquired about the jump with mortgage loan originator, he referred me to his supervisor, XXXX. XXXX explained the problem was a calculation error and that it had to do with pro-rated taxes which the builder was responsible for which was no longer available since the loan moved from XX/XX/XXXX to XX/XX/XXXX. 
After I researched on my own about what Adjustments/Credits should include, I found that what both the originator and supervisor explained is simply not true. My understanding is that the Adjustment/Credits would include items collected in the loan and other charges section, which would be paid by someone else and not the buyer 's responsibility. 
So now I 'm confused as to why the ever had a credit listed on my loan estimate, which was never a valid credit to begin with. It seems to me this may have been used to lure me with a lower cash to close, only to remove it once my loan was close to closing so I had no choice but to continue with the loan. I 'm providing a loan estimate received on XX/XX/XXXX which had the credit, and the recent loan estimate dated XX/XX/XXXX with it removed. No explanation ever provided.
Consumer complaint received 2016-12-27
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: 21ST MORTGAGE CORP. (IL)

I purchased a manufactured home from XXXX XXXX XXXX/XXXX/14. it was a XXXX bedroom home that we origanly agreed to pay {$8000.00} down but XXXX XXXX asked us for an additional {$4000.00} down saying that we had to have a brick foundation in the area that we purchased the land do to the location building codes. With {$12000.00} down on a XXXX home we should have borro orrowed {$66000.00} with 26 year repayment of {$450.00} monthly. before the home was completed 21st Mortgage asked for a {$830.00} payment immediately before we completed any paperwork or received the first mortgage payment book. When I received the first payment book 60 days later it had a 10 % interest rate with borrowed amount of XXXX and monthly payment of more than {$82000.00} a month. When I spoke to XXXX and the mortgage company they indicated that the amount would be corrected and that never happended. Instead the threatening phone calls demanding the full amount of : {$820.00}. We also never received the accurate settle amount it sad we borroewed over XXXX on our credit report and when I called 21st mortgage again I got no correct answer. I estimated that paying 26 years at {$720.00} a month and being modist that the XXXX should include our property tax that 21st Mortgage has not paid to date, we would have paid {$220000.00} on a {$60000.00} loan. I have had to file with the bankrupty court not able to alleviate the issue and get true justice. XXXX also clearly allowed 21st Mortgage to rip us off and cause us finantual heart ache as well. I have enclosed some of the cdret approval letters that they kept sending in both my name and then my husbands while they changed the amount we should have been borrowing in a matter of days. We received over XXXX offer letters from 21st mortgage with XXXX different loan amounts up until the home was delivered with out notice to our land. Can someone please help me I ca n't even get a honest answer as to how much is owed on my loan toady minus the three year paymnt that has been made to 21st mortgage for the poast three years or the location of our property tax payments. I am enclosing documents that I have found so far.
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NY)

I had disputed the reporting of a paid NY state tax lien with Equifax. I sent a certified letter with proof of payment from the State of New York. Citing a tort under New York General Business Law, Fair Credit Reporting Act Article 25 Section 380-j ( b ) ( 3 ) ( f ) ( 1 ) ( iv ) : ( f ) ( 1 ). I asked for this to be removed from my credit report and to show proof of investigation within 30 days. 

I had received no response from Equifax for now 60 days. I have repeatedly reached out in hopes to resolve the issue with no response back from the agency.
Consumer complaint received 2017-01-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

My apartment rental company accidentally pulled my Equifax report multiple times. They acknowledged the error. It was very difficult to get it fixed, but ultimately the inquires were removed from the report. I noticed a few months later they were re-inserted. I filed a dispute and all I am getting from Equifax is them saying the inquiries are valid.
Consumer complaint received 2016-12-11
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: The CMI Group, Inc. (GA)

This company was found on my credit report and I did not receive any 30 day notice, any disclosure to my physical address. They do n't have a court order, verbal express consent or written consent with my authorized signature to report on my credit report.
Consumer complaint received 2016-03-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc. (AL)

In XXXX XXXX, there was an account opened through XXXX XXXX that was opened in my name. I was unaware of this account until XXXX when I checked my credit score and saw it. The address labeled under the account was not mine and has become a closed liability on my credit score. I request that this be removed from my credit score.
Consumer complaint received 2017-02-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Accurate Background (FL)

Had issue with Accurate Background and submitted a complaint to CFPB case # XXXX for which I received a response. They circumvented the CFPB and failed to maintain them in the loop. They are asking for clarification of the disputed information which was quite clear in my letter and they are also want further clarification to my consumer statement I want added. They provided an updated report but it fails to contain my consumer statement even though they state they placed it and forwarded to there clients. I have mailed my XX/XX/2017 letter to Accurate Background via regular mail but feel I would get a timely response if I had the assistance of the CFPB to encourage a response.
Consumer complaint received 2020-08-18
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. (CA)

I am having issues getting a fraudulent account removed from my credit reports. My identity was stolen and as a result there is a XXXX XXXX account, a XXXX XXXX inquiry, and an address on my reports that do not belong to me. I never opened this account or used it. I disputed this with the 3 credit bureaus on XX/XX/XXXX but to no luck. Equifax told me they couldn't locate my file and to send a copy of my ID and Social Security card. I already sent them both items as well as my identity theft affidavit, police report, AND documents from the IRS stating that my identity had been compromised. Equifax is just making excuses to avoid doing their job. I never even received a response from XXXX  or XXXX  so they are clearly avoiding their duties as well.
Consumer complaint received 2019-05-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

Company : Citi Bank Issue : Citi Bank closed my checking account while I was signing up for the promotional bonus. Then near the promotion closing date, I got an email from Citibank to state that my Citibank Checking Offer was not fulfilled the Offer 's eligibility requirements for the following reason : Your checking account is closed and therefore not eligible for the offer. 

I would like to file a complain for unsavory business practice as Citi has purposely closed my account and has been Deceptive or at least misled me to believe that it was ok to put my money all in saving.
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (TX)

I was charged fees and things wouldnt add up when I was banking with Wells Fargo so we decided to leave Wells Fargo bank. I even had a credit card with them at the time and charges were not making sense on their either.
Consumer complaint received 2016-03-06
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: LEXISNEXIS (NM)

This is the second time I file a complaint against Lexis Nexis Risk & Information Analytics Group Inc. 
I received an adverse action notice from XXXX regarding a recent credit check. They provide the name of the credit reporting agency, Lexis Nexis Risk & Information Analytics Group Inc., as the agency that can provide me with my free credit report. They state that I have 60 days to obtain the report from the date provided on notice, XXXX XXXX, 2016. 
Upon contacting LexisNexis Risk & Information Analytics Group Inc., I was asked to have my social security number, date of birth, zip code, address number, and phone number ready. I provided my social security number to the automated system and the automated system stated that the social security number provided was not able to be verified. I called the number provided, ( XXXX ) XXXX, a second time and received the same message. 
The contact information provided for LexisNexis Risk & Information Analytics Group Inc. is the following : LexisNexis Risk & Information Analytics Group Inc. 
XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX I have attached my driver 's license with both my maiden name and married name. 
I have included my social security cards, XXXX with my maiden name and the other with my married name. 
I also included a copy of my most recent utility bill with my maiden name and current address. 
I included a copy of my banking statement with my current address. 
Finally, I attached a copy of the adverse action notice received.
Consumer complaint received 2016-05-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (TX)

My mortgage company did not know what my payment was supposed to be every month because they did not perform an annual audit on my escrow account. XXXX month my payment was {$730.00} and some change and the next thing I knew it was {$980.00} and some change. I sent my payment on time and they refused to post the payment because of the escrow shortage and it took them over 4 months to start an audit and then another 4 months to get to the correct payment amount. Then they destroyed my credit.