davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-08
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My debit card was lost or stolen on the XXXX of XXXX 2016 and I immediately called the bank. They continued to forward my call to three different people when I finally talked with their security department. The woman named XXXX immediately started questioning me about the name on the check that I had deposited not even 24 hours before. Finally after all of her questions she told me that a withdraw was made at an ATM for {$800.00} and asked if that was me, no and I replied what do you mean I did not even deposit the check 24 hours ago, how could it clear so fast? Then she started making comments about this being a common scam. She said she was going to restrict the account and to wait 2 to 3 days for a determination after investigating. When I finally got to speak I told her " THE REASON I CALLED IS DUE TO MY DEBIT CARD MISSING ''. That is all she said and when I got off the phone I immediately sent a written statement to them regarding what had happened. I got the e-mail and told me to click on a link to see the message, but because of the account being restricted I could'nt get past the sign in screen. I also received several phone calls from them from different people, but when trying to connect back I could not talk with the same person. Today I received a letter from them again and it states that " we finished looking into your dispute and did n't find any errors ''? I did not know that I filed a dispute? Today is XXXX XXXX, and I called them to report the stolen or lost card on the XXXX, no one ever treated this as an un-authorized withdraw from my account and no one ever told me what was going on and I could get any information through trying to look at my account because of the restriction they placed. They are being very rude and unprofessional and I have never been so humiliated in my life! I thought that my debit card was protected by EFT Transfer Act, and Regulation E. I am still in the XXXX.
Consumer complaint received 2016-07-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

ADDITIONAL INFORMATION RE : CFPB COMPLAINT # XXXX Dear Consumer Financial Protection Bureau, Yesterday, XXXX/XXXX/XXXX, I submitted a complaint regarding Union Bank. I wanted to add for your records that I have had XXXX major problems with this bank : 1 ) XXXX XXXX -- an unscrupulous debt collector, XXXX XXXX, an attorney in XXXX, XXXX, called me repeatedly at work over a very old credit card debt. In order to stop this harassment at my workplace, I very unwisely agreed to have $ XXXX/month payments taken out of my checking account. The original credit card debt was about {$500.00}. 
Sure enough, XXXX office took withdrawals of {$500.00} here, {$300.00} there, another {$500.00} there, etc. My bank account, much to my dismay, was completely cleaned out by XX/XX/XXXX. At least XXXX or XXXX checks bounced. My brother-in-law and I then met with a Union Bank officer, XXXX XXXX, in the XXXX, XXXX office in XXXX XXXX. I filed a claim with the bank, and said I had only agreed to {$100.00} per month deductions to XXXX. The Risk Management/Loss Prevention department at Union Bank headquarters in XXXX, XXXX denied my claim, however, as they said I had an oral agreement with XXXX. I expressed much concern over all of the unsigned, electronic drafts that were made to XXXX, even though I had never approved of any of those amounts. My protests were to no avail. I should have hired an attorney at the time, but I could not afford one. It was an extremely painful lesson. I did file an online complaint with the Attorney General of the State of XXXX, but I never heard anything back. 
2 ) XXXX XXXX - XXXX XXXX -- I received a new chip and pin debit card from Union Bank XX/XX/XXXX. The card did not work, however. My purchases were denied, and my automatic payments to XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX were also denied, which caused my auto insurance to be canceled twice. ( I pay the insurance on my car, and also on my mom 's car. ) I was then sent a second chip and pin card ... that card did not work either. I actually went five weeks without any kind of a working bank debit card. Finally, the president of Union Bank, in the XXXX, XXXX office, helped me resolve the problem. He had heard about my continued bank card problems through the Union Bank customer service center and/or the Consumer Financial Protection Bureau ; the bank president then had a new chip and pin card sent to me via overnight mail in XXXX XXXX. I did appreciate his assistance, as well as the CFPB 's assistance, with the matter, and decided not to change banks. 
XXXX ) XXXX XXXX -- I discovered that excessive checking account fees had been charged. I was never notified in advance of a {$30.00} per month bank charge for " having a low checking account balance. '' Please see CFPB complaint # XXXX. 
The third time is not really the charm with Union Bank ; however, before I switch banks, I would like to hear Union Bank 's response.
Consumer complaint received 2016-07-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: DISCOVER BANK (WA)

I have a private Student Loan through Discover. The already outrageously high interest rate ( 9.875 % ) raised without notice to 10 % this statement. This is the second time this year the rate has increased. This time, however, no notice was provided for the increased rate. I 've previously tried working with the loan servicer to find out how I can reduce the interest rate ( whether through refinancing through Discover or any other means ) and they have been unhelpful. Aside from the fact that my auto loan and mortgage have interest rates that are nearly half that of my private student loan, I am concerned about the rate continuing to increase. Furthermore, I have attempted contacting the servicer for an explanation on why the rate has increased without notice, and a request to return the rate to what it was before the increase happened ( again, without any notice to me ). Not only has Discover not addressed my concern, Discover simply has not engaged with me. I have not received any communication since my inquiry, several days ago. I 'm worried that I have an outstanding debt to a private institution that operates similarly to a gang lord ; Discover charges me what it sees fit, and does not service my account, and I simply do not have a voice with them. Every month, I pay XXXX to XXXX times the minimum payment, in an attempt to be out from under this debt from an unfair provider. The feeling of despair and hopelessness grows more each time they chose to unjustly raise the interest. What is more troubling, the interest steadily started rising as soon as I started paying more than the minimum. It is as though Discover was dead set on making a specific profit from my account, and now that I can afford to pay more to the account, they will make up for the fact that I will be debt free sooner by charging me exorbitant fees lacking representation. I do understand that this loan has a variable rate ; however, if my provider is going to exercise it 's right to increase the rate, it absolutely must give me proper notice. It was the only thing that separated it from a slum lord, and I fear I do n't even have that now.
Consumer complaint received 2016-07-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alliance One, Inc. (MA)

AllianceOne contacted me in XXXX for a debt to XXXX. I made payment arrangements to pay off the balance from XXXX of XXXX to XXXX of XXXX ... completed the payments and paid off the balance. In XXXX of XXXX received a call stating that I still had a balance, basically equaling 1 monthly payment. Asked for verification and received a letter with all payments made, totaling more than the original balance and a list of Fees and Interest charges from XXXX ( some that were charged after I started the payment plan ). They refused to give me any clarification on what those fees were for, or which ones were interest charges. When I asked for further explanation and documentation they said they were going to close the account as being disputed and hung up.
Consumer complaint received 2016-07-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My checking account information with Bank of America was taken by thief 's. The thief 's began to present unauthorized and unsigned checks to BofA against the account. Once we identified what was happening we met with a bank representative in the branch office and withdrew all the remaining cash from the account and confirmed the overdraft protection would be turned off so that any future checks presented on the account would be returned non-sufficient funds. We then made an appointment to come back next week to close out the account. When we came to close the account we were informed the thief 's had presented additional checks and they were honored AND we had additional overdraft fees as a result. BofA informed us that we could not close out the account because the account was now in a negative balance ( due to the checks that were honored and the overdraft fees ). They informed us that unless we pay them {$450.00} they will continue to assess fees, continue to honor bogus checks, and pursue the balance including assigning this to a collection agency.
Consumer complaint received 2016-07-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (RI)

I purchased a vehicle from XXXX XXXX in XXXX XXXX approximately 5 years ago. I was contract to Wells Fargo Dealer Service for 54 monthly payment, I asked and received XXXX two ( 2 ) month extension. I have made all of my paymets. Wells Fargo Dealers Services, due to an error on their part, put insurance on my vehicle after I informed them that I had the coverage required. Both my self and the insurance company sent confirmation of the coverage. To date, Wells Fargo Dealer SErvices has not removed those fees from my account and they are now charging me late fess and interest on the late fees and interest on the interst. They raised my payment to {$310.00} and I have been paying {$320.00} but still my balance does not go down. I am now trying todispose of the vehicle but because of what they say is the remaining balance on the loan I am having serious problems. I called and asked them to please remove the interest on the fess and the interest on the interest and got no response even after the gentleman told me he wouldlook into it and call me back the next day. I then called Wells Fargo again and asked for the gentleman, Iwastold he was in a meeting and that he said that he was just washing his hands of the whole matter. So I am still without an answer, still not able to dispose of the vehicle and at the rate they are chargeing interst on fees and interest I will never pay this loan off. Is there anything that can be done to help e rectify this situation?
Consumer complaint received 2016-07-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (WA)

I have been denied a refinance on my primary residence because of a erroneous report to the credit bureaus by Wells Fargo Financial. I originally had my payments set up on automatic payment schedule but was forced to cancel because the payment was due to be withdrawn on the XXXX of each month and they were taking the payments out as early at the XXXX of the month resulting in overdraft charges. My management fees can not be collected until the end of each month and my Social Security check is deposited the XXXX Wednesday of each month. These withdrawals would have been covered on the XXXX of the month., The credit union refused the last withdrawal when I informed them of the issue and I sent them a check as soon as we were sure they were not going to attempt another withdrawal. They added late charges and add'l interest to my account. When I requested that the charges be reversed they refused but suggested I have the balance added to the end of the contract. I responded that ethically they should reverse the charges but if they would not then I agreed to have them add the charges to the end of the contract. After offering to do so they instead left the overdue balance on my statement and continued to add more late charges. After many attempt to resolve the issue I gave up trying and eventually they wrote off the balance. I paid all of the principal payments and interest to the end of the contract but they reported it as a " short pay '' which affects my ability to refinance.
Consumer complaint received 2016-07-07
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (KY)

I received a settlement offer from Wells Fargo Home Mortgage. The letter stated that I may be eligible for compensation as a result of a settlement. After further investigation, I discovered that the Department of Justice has enter into an agreement with Wells Fargo Home Mortgage to refund service members for interest higher than six percent on mortgage loans that the service member originated prior to entering XXXX XXXX. This is in violations of the Servicemembers Civil Relief Act ( " SCRA '' ). 
A settlement offer of {$5900.00} was made ; however, this amount does not cover the total time I served and paid at the rate of seven percent interest. 
I am seeking assistance from CFPB to help in achieving the repayment from Wells Fargo Home Mortgage of the entire difference for the total time I served on XXXX XXXX, based on the SCRA. 
I sought legal counsel and it was suggest prior to moving forward with any other action I contact CFPB.
Consumer complaint received 2016-12-27
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I am in currently going thru divorce proceedings and living at a new address, a change of address was filed with the US Postal service as well as the company,. A retroactive check was sent to me by my company but they sent it to the wrong address. My estranged wife received the check which was made out to me, signed HER name and deposited it into her account ( at XXXX Bank ), which is NOT a joint account. When question why, i was informed that its their policey to accept and process third party checks as long as no complaints were put in, as long as it was under a certain value. I went back to my company and filed a fraud complaint. They in turn filed a fraud complaint with their banking institute ( Bank of America ) and the claim was denied be cause the claim I benifited from her cashing of this check. I am still trying to speak with the analysis who determined that I benifited from her fraud.
Consumer complaint received 2016-07-07
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (IL)

Hello, I engaged in a vehicle lease through Chrysler Capital XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX in XXXX of XXXX in the State XXXX. In XXXX of XXXX, I moved to IL and properly registered my vehicle through XXXX. As part of the registration process you must file XXXX tax form. This form/filing is the means to assess any sales/use tax due to the State XXXX when moving from out of state. I filed the form, and paid tax due to XXXX in the amount of {$790.00} ( documentation/payment rationale attached ). 

A few months later, I received a debt collection call from Chrysler Capital stating that I owed them {$1600.00} plus fees totaling {$2200.00}. After many calls ( and over many months ) with them, and the state XXXX, it was determined that I properly paid my taxes and that the State improperly billed Chrysler Capital. Chrysler Capital does not assign a single representative to the handle the matter, so every time we speak we start from scratch. Since Chrysler Capital is the owner of the vehicle, they simply assumed tax was due and they made the payment. They are unwilling to work with the state XXXX to obtain the proper credit/reconciliation for the over payment they made to the state, and rather simply assert that it 's not their problem - they paid the state so i need to pay them. I have confirmed with the state that since i do n't own the vehicle, there is nothing further i can do to resolve the issue considering i provided proper documentation of adequate and proper payment. The state needs to credit Chrysler Capital, but Chrysler Capital will take no action to obtain the credit, and there is nothing I can do to obtain it for them since I did not make their payment, I was never billed, and I do n't own the vehicle. 

Chrysler Capital has been unreasonable, and unwilling to take proper steps to resolve the matter, which results in an outstanding balance due on my account to them for the {$2200.00}. I have done everything i can to try to resolve, but at this point i do n't know where else i can turn for help and am hoping the CFPB will step in to help me do what is right with this issue. 

If further information is needed from me, I am happy to provide any details to bring this to final resolution. 

Thank you, XXXX
Consumer complaint received 2016-07-07
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

On XXXX/XXXX/2016 Capital One sent me an email to inform me to log into my account to cast votes for my stock. I attempted to do that but got a message that read " We are unable to accept your voting instructions online. If time permits, please return the voting instruction form in the enclosed business return envelope, or contact your financial institution. '' So I contacted the financial institution to informed them of the issue and to either send me the documents in the mail and/or fix the online issue. These request have been ignored by the financial institution.
Consumer complaint received 2016-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been working tirelessly on repairing my credit history independently and with a reputable credit repair company over the past year. Recently I was to the point where all of the inquiries that were reflected on my Transunion credit report was deleted. When I reviewed my report all on Monday all the inquiries returned out of no where. I tried contacting the credit bureau and had to wait on hold for over an hour and 30 minutes. I have yet to get through to someone to resolve this issue. Due to my work I can not stay on the phone for long periods of time. I have also put this inquiry in writing to them. I was never advised in writing via email or snail mail that these inquiries would reappear and from what I have learned this is in violation of the FCRA SEC 611rules. I would like to this matter looked into from all venues until it is resolved.
Consumer complaint received 2016-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

Equifax has violated the FCRA by failing to give me a fair investigation into my claims, failing to block the items specified on my affidavit, and failing to mail me proper investigation results into my claims that XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX Bank are the results of fraud. XXXX XXXX XXXX has even admitted to willingly put a false address on my report as well as sending me documents stating that I owe no money yet they refuse to remove them from my report. XXXX XXXX XXXX is still allowed to be on my report after I sent Equifax a copy of an out of court settlement and XXXX has never produced the items bought on this credit, and I know XXXX can trace computers, XXXX of the most worked on computers by myself are XXXX that my customers have issues with. XXXX Bank has not completed their investigation and has yet to even tell me what was purchased at Reeds and I have even offered Equifax a picture of my ring yet Equifax still reports them. Equifax has not once completed a fair investigation, they just take everyone 's word and has never informed me that they think that this request was made in error or has accused me of lying to be able to keep reporting this information. I am attaching parts of the FCRA itself that Equifax has continually violated and what I will take them to court on. Equifax was warned and I will produce all these communications to a judge so he can see that I tried in good faith to get a fair investigation and get the fradulent accounts blocked as a result of fraud. I will also show that Equifax has violated the FCRA by refusing to block fradulent accounts as well as never giving on of the XXXX reasons allowed to refuse to block an account.
Consumer complaint received 2016-07-07
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: Patenaude & Felix A Professional Corporation (PA)

In XX/XX/XXXX, my private loan held with XXXX XXXX XXXX was passed off to a debt collection agency due to me not being able to afford the expensive amount XXXX XXXX XXXX wanted all at once. 
In XXXX XXXX, I joined with a company by the name of XXXX XXXX XXXX and I was under the impression that my loan was receiving the XXXX that I was paying them a month. 
XXXX XXXX XXXX turned out to be a scan as well. 
I then reached out to XXXX XXXX XXXX and they made me aware that my loan was now in the hands of Patenaude and Felix. 
Patenaude and Felix is the company in which I would file this complaint with ; I was in communication with them before they were ever in communication with me in regards to my loan. I began talking with them XX/XX/XXXX consistently trying to negotiate an amount that would be affordable for me to pay every month. I originally thought XXXX would be affordable but after discussing with my husband what amount would be best every month, we discovered that XXXX per month is too much. I spoke with Patenaude and Felix making them aware of this and they have been very adamant that I MUST pay XXXX per month, Meanwhile, I have been concerned about the derogatory marks on the credit reports of my grandparents ( my co signers ) and have been trying to find out what to do and where to go. XXXX XXXX XXXX advised me that the attorneys and XXXX XXXX are the people to discuss payment options as well as credit reporting and all to find out that XXXX is XXXX XXXX XXXX and when I call them, they tell me that they are unable to help me. 
I am aware that this debt NEEDS to be paid and I want to pay it but I CAN NOT afford XXXX per month. I was told that I could make " good faith '' payments toward the amount owed, but it would not be reflected on the credit reports of my grandparents not myself. I was also told by either XXXX XXXX XXXX on Patenaude and Felix that my wages could be garnished as a result of not paying my debt. However, I am NOT ignoring my debt! I just cant afford the amount that is being dictated to me.
Consumer complaint received 2016-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Transunion had a glitch in their system when I was in the process of buying a home. When I was going through the approval process, my credit report from Transunion did not have any inquiries. When my approval was in it 's final stages, there were XXXX inquiries that showed up on my credit report and now my pre-approval is in jeopardy. I have tried to contact them however, they have kept me on hold for at least a hour on both instances. I just want them removed so that i can have my loan approved.