davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: SLM CORPORATION (DE)

On approximately XX/XX/XXXX I applied for. Sallie Mae credit card from an email solicitation. On XX/XX/XXXX I received an email with an attached document from Sallie Mae stating " we could not validate your identity '' and they had not opened the account. I called Sallie Mae that same day and they instead stated the reason was " the application had expired ''. I had received no communication from Sallie Mae regarding the application from the time of applying until the XX/XX/XXXX email. I was told on the XX/XX/XXXX phone call I would need to apply again which would result in a second hard credit inquiry to my credit report.
Consumer complaint received 2016-10-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: RFNA, LP (TN)

I am enrolled in a XXXX XXXX XXXX program. XXXX, a representative of Republic Finance, is calling my wife and I two and three times a day leaving voice mails and he has been calling my daughter XXXX, at work. She has asked him to cease and desist his calls to her but he ignored her and yesterday,XX/XX/2016, he called her four ( 4 ) times at work! 
( She Does XXXX ). When he calls, he does not state who he is with and will not disclose the information when asked. My wife is in poor health, XXXX XX/XX/XXXX from the VA because of my XXXX health. 
This Harassment needs to STOP NOW! He has gotten on my LAST NERVE!!!!
Consumer complaint received 2015-03-31
Product: Consumer Loan — Title loan
Issue: Applied for loan/did not receive money — 
Company: U.S. BANCORP (WA)

I had not intent of applying for this kind of loan but was solicited to do so with deceptive practicesI was told the loan would be easy to get and I would have no trouble qualifyingSoon after I was forced to go through a process that called into question my credit worthiness, my property records, and so on. The process turned from " no trouble qualifying '' to a miasma of official documents and the likeI was sent a letter stating that the loan was approvedI was told the loan would not be approved on XXXX XXXX I received another letter asking for documentation so the loan would get approvedSn email from me : In the end I do not understand why the paperwork relative to the divorce and the deed for my home were adequate for a line of equity from Homestreet Bank and a {$400000.00} refinance from XXXX XXXX XXXX. 

You should be very careful about enticing customers to apply for loans without having all of the facts of the matter. This process caused harm psychologically and emotionally and I made financial decisions based on your bank 's words of certain loan approval. 

Deceptive practices were used to get to my apply for a loan that I did not seek. My paperwork was kept without my approval. 

The paperwork was returned. However, I also received a XXXX day air UPS package from a bank XXXX blocks from my home that was supposed to be sent to me on XXXX and should also include my tax documents. In perhaps the most pitiful part of all of this my tax documents are not included in the package. Instead I received tax documents for XXXX XXXX XXXX whom I do not know. 

US BANK cajoled me into applying for a loan I did not seek. I was told the loan was approved but I needed to close XXXX credit accounts. I did this is good faith based on the assurance of my bankerI was told by the banker that the loan was a part of building my relationship with him and US Bank. He did not tell me that he was leaving US Bank even as he had announced this before I applied for the loanMy grievance has to do with the strong arm sales tactics of US Bank and the deceptive parts of the loan process. The banker blamed the incompetence of the underwriters for the delay in processing the loan and left the bank before the loan was denied. 

In this case the bank obviously did not work in the best interests of a customer. In fact the bank did quite the opposite. It compromised by credit availability and also put me through a grueling and intrusive process despite promises to do just the opposite. 

This kind of banking practice is unfortunate and harmful and banks should not be able to make promises that that can not keep and fool consumers
Consumer complaint received 2015-10-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (MO)

I had a return check that resulted in a over draft return fee. Then i forgot to remove my auto pay billing and got hit with another overdraft return ach fee. They never paid any of those payments and now i owe the bank XXXX just in fees. I called and tried to talk to them & gave them my situation. Im a poor college student and I didnt plan on all this happening. No help
Consumer complaint received 2017-02-17
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP (MN)

On XX/XX/2017, I made a request by telephone to have my credit card account closed. On the same day, I sent U.S. Bank a letter to confirm my request. The bank has not responded to my request by closing my credit card, issuing a check for the balance, or transferring the funds to my checking account that I have with U.S. Bank.
Consumer complaint received 2017-02-05
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP (CA)

Elan Financial Services have failed to pay me the incentives they promised me for credit card use. 

In early XXXX, Fidelity switched their credit card service provider from XXXX to Elan Financial Services. Elan Financial Services issued me with a new account and card. 

Shortly after the account switch, on XXXX XXXX, XXXX, I called Elan Financial Services specifically asking whether there was an incentives cap. I made this enquiry as the prior service provider to my Fidelity credit card account ( XXXX ) did have such a cap, and over the years in using that card I have systematically switched to using another credit card when I reached that cap. Thus, I made a specific call to understand whether I would need to continue to switch to another card under the Elan Financial Services incentives program ( I would have made such a switch in the card used for spending should Elan Financial Services have told me on XXXX XXXX, XXXX, that their program also had a cap ). 

However, on XXXX XXXX, XXXX, Elan Financial Services specifically informed me that such a cap definitely did not apply to my account. Please note that I have notes of that call, and I expect that they record phone calls for quality purposes. 

Following several subsequent phone enquiries in late XXXX, I received a letter from Elan Financial Services on XXXX XXXX, XXXX, informing me of a cap and refusing to pay for incentives stemming from approximately {$30000.00} of spending in the fall of XXXX. This spending equates to approximately {$600.00} in incentives owed to me. 

I have since written them again reminding them of these facts and demanding payment.
Consumer complaint received 2015-04-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (TX)

we closed on our home XX/XX/XXXX. we received a notice in our XX/XX/XXXX mortgage paperwork that our escrow account was short by {$5700.00}. Since we have addressed the issue with our original lender, mortgage company and our current mortgage company we have been given so many different answers, reasons, amounts. Somewhere something does not add up correctly. The notice that we received in our XX/XX/XXXX statement was dated XX/XX/XXXX, which is 2 months past already. We need someone to look into this issue as to why our escorw account is so low and find the underlying problem. My husband and i have been paying what we were suppose, actually even more every month. I think either the original lender did wrong calculations or when the file was bought out thibgs were left out and evry person/company is only pointing fingers. PLEASE HELP!
Consumer complaint received 2016-02-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: URS Holding, LLC (SC)

I received numerous calls regarding a debt that I owed to a college I attended. When receiving those calls my personal information including my ssn was requested in order to verify the account. I advised numerous representatives that I would like the information in writing. Due to being leery of scams and identity theft, I would not supply my personal information to an unknown source. When I did not receive any of the requested information, I contacted the school to find out the name of the collection agency my account was referred to. I was provided a different name other than Enterprise Recovery Systems. I then started making payments to the school directly thinking the company was not legitimate. Enterprise Recovery later placed the collection account on my credit report ; I disputed it because I was never properly informed of the debt. After the dispute was filed, I received notification of the outstanding balance via mail ( today. ) I contacted Enterprise and the representative advised there were numerous calls but my identity was never confirmed. I explained that was correct because I would not give them my ssn via telephone. I advised her that I will be paying the balance in full and requested the collection be removed from my credit report due to lack of and improper communication. She advised they wo n't remove it they will only place paid in full on my report which I think is unfair.
Consumer complaint received 2015-09-02
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (MO)

In XX/XX/XXXX i purchased a home with a co borrower. The agent of the XXXX loan in XX/XX/XXXX told me my coborrower could not sale or borrow without my permission. In XX/XX/XXXX my coborrower took out a loan without my knowledge and/or permission. The agent for the XXXX loan knew i was a coborrower and the property owner because i met with him and the coborrower in the agents office. I refused to complete the loan. The agent research the records of dead found a deed with just the my exfiance name and gave him a loan. The exfiance took that loan to another organization and refinance with them. The exfiance foreclosed on the property living me no way to nogatioate with the XXXX lender. The XXXX lender has sent a copy of the deed to me on XXXX XXXX that is filed on XXXX XXXX telling my i need sign them. Now the XXXX lender is sending the same threats as the XXXX lender. That i need to sign this deed to correct an error on there part or there will be legal action. I am asking for help to resol e this issue of false deeds being used to aquire loans and take back the possession of my home. I was driving at the time i was told about this site. I have more forms and information to submit it was not with me.
Consumer complaint received 2017-02-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MD)

I attended XXXX XXXX in XX/XX/XXXX to XX/XX/XXXX just after high school. I had just graduated high school wanted to get started with my career path. XXXX promised so much and I received barley anything they promised and I am now left with so much school loans and I feel it is very unfair. The school had past students teaching material, they promised certification help, job placement, etc.. as well while attending school they made me take out more loans and a XXXX loan in order to graduate while attending. I also had to pay while in school to go to my next modules or I would not graduate. in addition the school made me also take longer to finish because they could not find me a extern site to accept XXXX students, which forced me to find a extern site or I would not graduate. after graduating I did not have a job and I had to do my own foot work to just get a chance in my career field. I had to re educate myself in order to sit for exams to have the proper certification to go with my mow new diploma. XX/XX/XXXX I have so much interest plus the original school loans that I now still have to pay when I did n't gain anything from the school that was promised and I am in so much debt from this school I cant even begin to go to college because of my past outrageous student loans.
Consumer complaint received 2015-05-02
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (NJ)

In late XXXX, I applied for a XXXX XXXX credit card from U.S. Bank. It advertised that for cardholders, the last night of each XXXX XXXX hotel award stay is free. I signed up for the credit card with that benefit as my primary motivation. Then, about a month after I received the card and after they charged me a {$75.00} annual fee for the benefit, U.S. Bank announced they 're no longer offer the last award night free benefit. I think that 's extremely deceptive. I called in to say how disappointed I was and see if U.S. Bank is offering compensation. They offered me XXXX XXXX XXXX points, which is next to nothing. For reference, the closest XXXX XXXX hotel to me in New Jersey is charging either {$100.00} or XXXX points for a room tonight. That 's a value of approximately {$0.00} per point. That would mean XXXX points is worth {$7.00}. That 's not even close to fair compensation for a benefit worth a free hotel nights ; a benefit that I already paid for through the annual fee.
Consumer complaint received 2016-07-26
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP (TN)

I-have-been-going-through-the-Loan-Modification/Partial-Claims-Process-for-3-years-now, and-U.S.Bank-Home-Mortgage-and-I-had-already-reached-an-agreement, I've-done-all-they've-asked-me-to-do-and-beyond-I-was-sent-the-same-agreement-3, if-not4-times-along-with-my-agreed-payment-of-XXXX-each-time-and-all-months-inbetween-and-now-U.S.Bank-Home-Mortgage-says-my-Mortgage-is-more-and-they-sent-me-the-wrong-paperwork?! -I-received-more-paperwork-in-the-mail-and-it's-the-same-paperwork-I-filled-out ( more-then-once ) -3-years-ago-when-I-started-the-whole-loan-modification-Partial-claims-process! -It-looks-like-the-Bank-wants-me-to-start-all-over.-We've-already-reached-an-agreement ( XXXXmonthly-and-HUD-took-over-my-deliquentcy-amount ) -U.S.Bank-Home-Mortgage-is-breaking-the-agreement.Please-review-attached-documents.
Consumer complaint received 2016-06-30
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (FL)

I applied for a modification. I was denied a modification, and any other types of resolutions due to " discrepancies '' on my application. In order to find out the " discrepancies '', US Bank is requiring me to get a subpoena to find out the basis for me my denial. 
I have consulted with an Attorney who thinks he spots the discrepancy which can easily be explained and proven. When I asked US Bank why ca n't you just tell me the problem and I explain, and their response is " our investors require you to get a subpoena in order to give the reason for denial. ''
Consumer complaint received 2015-07-18
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP (FL)

They call every day sometimes multiple times. I have sent written notification to US Bank not to call. This company refuses to even provide me information on who they are or how to send them written notice to stop calling. I have medical issues that these calls cause XXXX. I have asked them to stop calling and to please just file a lawsuit. They refuse. This latest call they claimed to be US Bank. Come to find out, they are n't US Bank, they are a third party collection agency violating the collection laws. They have sent no communication through the mail identifying themselves. They refuse to give any information as to who they are and flat out refused to give me an address so that I could put them on notice in writing not to call any more. This has gone beyond collections into harrassment just for the fun of it.
Consumer complaint received 2016-08-09
Product: Credit card — 
Issue: APR or interest rate — 
Company: U.S. BANCORP (TX)

I would like to make the CFPB aware of unethical, possibly illegal interest-charging practices being carried on by US BANK credit cards. I am aware that US BANK has been sued for other illegal practices, and feel that someone with an expertise in consumer protection law relating to credit cards should look into US BANK 's interest-charging practices. 

Whereas all other credit card companies I 've ever used ( personal, business, etc : I 've had more than a dozen credit cards in the last 10 years ) charge interest on a balance only after the statement close, US BANK is charging interest on the entire balance for any sum not paid BEFORE the statement close date. In other words, it is quite possible to be charged a month 's interest on a purchase made 1 day before the close of the billing cycle. 

I am a US BANK XXXX XXXX credit card holder. I am happy to provide more information. I am not an expert in credit card consumer law, but have a XXXX XXXX XXXX from XXXX relating to Finance, own several companies, am fairly familiar with credit card practices, and believe that what US BANK is doing is unethical, if not illegal. 

Thank you for your consideration.
Consumer complaint received 2017-03-03
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Comerica (MS)

My complaint is with Direct Express, the card used by the government to issue Social Security XXXX benefits. On XX/XX/2017, a deposit of {$910.00} was placed on the card. Around XXXX, I checked my balance, only to see {$17.00} available on the card. I made several attempts to call Direct Express. After about 3 hours and multiple attempts ( the call " dropped '' several times while I was holding ), the phone was answered by a customer service rep who informed me that there were several ATM transactions made in XXXX, totaling {$900.00}. There was also a {$2.00} transaction in which the 'card ' was swiped ( also made in XXXX ). 
I live in Mississippi. I have never been to Florida. I 'm currently in XXXX visiting relatives. 

I informed them that I did not complete or authorize these transactions and that I was a victim of identity theft. Direct Express canceled my card and will be sending a new card. I asked what I needed to do to get my funds added back to my account. I was told that I would have to wait 3-5 business days to receive the fraud forms in the mail. Once the forms are completed filled out and returned to them, an investigation would be started. In the meantime, I do not have money to pay my bills ( mortgage, water, electric ) or get back home. This is my first time in Maryland and I do not want to ask my relatives for money since I do n't know when/if I will be able to pay them back. 

This XXXX check is my only source of income.
Consumer complaint received 2015-11-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Focus Holding Company (ID)

In XX/XX/XXXX I started service with a cable company named XXXX XXXX. The account went delinquent with a balance of {$130.00} in XX/XX/XXXX. It was reported to my credit report with XXXX and XXXX XXXX. Recently in XX/XX/XXXX I paid the account off with XXXX XXXX for {$150.00} ( Original account balance + interest ). Now XX/XX/XXXX a XXXX XXXX XXXX XXXX ( who owned this XXXX XXXX Account ) was removed from XXXX, and XXXX XXXX. I originally contact XXXX XXXX after reviewing my credit reports and noticed the amount was still being reported as owed. That ended with the account being removed from both credit bureaus. I am now seeing that a NEW company by the name of XXXX ( XXXX ) is reporting the SAME account to the XXXX bureau XXXX. This account was never listed on XXXX, but it is now as of XX/XX/XXXX. This same company has called me multiple times even after a rep I spoke with, stated she would record my notice for them to stop contacting me. I am currently XXXX, with XXXX children and have learned from my past experiences that credit is important, I have worked hard at getting multiple accounts paid and removed recently, and this has effected my credit to go right back to where I started. I am attempting to get my credit to place where I can purchase a house. Please help me with this account/ collections.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NJ)

I had several months were I could n't make the full payment of my loan and the adviser suggested I go into deferment instead of losing my payment to something I could afford. Also in two separate occasions I had to pay {$900.00} which was nearly 3 times the amount of my monthly payment. 
Loan payments are based on gross income instead of net. If I were to pay the full amount Navient would like of XXXX per month I would not be able to have an apartment and would be homeless. Repayment should be based on net pay not gross.
Consumer complaint received 2015-12-21
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: High Point Asset Inc (WI)

I was contacted by High Point Asset, Inc. pertaining to a pay day loan that I knew nothing about that I owed anything. XXXX asked me if I ever had a pay day loan my response was yes years ago. From there the company stared charging me fees that I had no knowledge of. I asked for the Loan company name and they would no provide me with a name. They forced me to give them my bank information with threats. I have not used a Pay Day Loan institution in over 10 years and when I was done I do n't ever remembering owing them money. I have checked my Consumer Credit Report a year ago and nothing was on there from any Pay Day loan institution.