davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Last month I informed Capital One Auto Finance that my pay dates had changed which would affect my direct auto pay for my vehicle loan. I requested that my XX/XX/XXXX payments begin on XX/XX/2017 and every other Friday thereafter ( XX/XX/XXXX and so on ). I was very clear in my request and was assured that the direct debits would take effect on the above dates. On XX/XX/XXXX, Capital One debited my account in error which overdrew my checking account. I contacted Capital One hoping they would IMMEDIATELY correct THEIR error. I was told that the call that I made to them in XX/XX/XXXX requesting the change would have to be listened to so that they could confirm that a bank error had occurred on their end in debiting my account on an unauthorized date. After they confirmed that this was the case, I was advised that they would return the funds to my bank account. While speaking with Capital One on my landline, I called XXXX on my cell phone. I advised them of the reason for the overdraft and the assurance from Capital One that the funds would be returned to my account. I was told by XXXX that a note would be added to my account so that when the overdraft fee hit my account, once Capital One returned the funds, XXXX would reverse the overdraft fee ( no fee for me and none for Capital One ). I am so upset since the funds have not been put back in my account yet. Yesterday, Tuesday XX/XX/XXXX, I called Capital One to ask why the funds had not been placed back into my account and I basically received a weak response that it POSSIBLY would take place tomorrow ( which is today, Wednesday, XX/XX/XXXX ). Well, that did n't happen. I am writing this complaint for two reasons. Capital One is a XXXX dollar financial institution, it is UNACCEPTABLE and totally UNREASONABLE that when they make an error of {$130.00} that they can not IMMEDIATELY correct that error, especially when they have caused harm to their customer. Also, it is equally UNACCEPTABLE and UNREASONABLE that the harmed consumer is expected to wait an ADDITIONAL time frame when they are to be reimbursed for bank overdraft fees ( if the financial institution issuing the fee is unwilling to reverse the fee due to an unauthorized debit that overdrew the account ). Hopefully by the time you receive this complaint, the entire issue will have been resolved, but that does not negate the fact that a bank of this size is able to conduct business in this manner. I did inform Capital One that I would be filing a complaint with the appropriate regulatory agency which oversees their business activities. This is an unacceptable policy that NEEDS to be addressed. Please reach out to Capital One!
Consumer complaint received 2017-04-12
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: UMPQUA HOLDINGS CORPORATION (CA)

We have a loan with Umqua bank. They automatically retrieve the monthly payment from our bank account. They retrieved the monthly payment twice this month. They admit that they have accidentlly taken the monthly payment twice, however they have yet to refund the payment.
Consumer complaint received 2016-06-10
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Reverse Mortgage Solutions, Inc. (TX)

My mother had a reverse mortgage with reverse mortgage solutions. After she died we put the home up for sale we were supposed to close on the loan on XX/XX/XXXX we in order to pay off prior to that on XX/XX/XXXX and the lender placed the home in foreclosure on XX/XX/XXXX
Consumer complaint received 2017-04-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Louisiana Recovery Services Inc. (LA)

This company has been harrassing me by telephone saying that i owe them multiple debts. I sent a dispute to their company and they have responded with a letter stating that they have already verified these accounts and that they are under no obligation to verify again. However, I DID NOT receive anything from this company prior to the billing statement i received in XX/XX/XXXX. As per The FCRA i have the right to dispute any information that is being reported to the credit bureaus. Also Billing Statements ARE NOT considered verification of accounts. This company continues to report these accounts to the credit bureaus without having properly provided information on as to how these accounts are verified. This disputed information will be forwarded to the FTC and Attorney general 's office due to unfair and improper reporting actions on Louisiana Recovery Services behalf. I do not and have never been in contract with this company nor have i ever accepted services from their company so i am requesting that all collections attempts to stopped immediately. 

UNVERIFIED ACCOUNTS : XXXX billing - {$48.00} LRS/ XXXX billing - {$43.00} XXXX XXXX - {$1700.00} XXXX XXXX - {$180.00}
Consumer complaint received 2017-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (SC)

I have contact Navient and the company has not been very helpful. First, I enrolled in school so Navient placed my account in deferment without my permission or my request. Navient could have contacted me and asked if I wanted to be placed in deferement but they did not. This was not helpful because I am currently in a program and if my account is in deferment, my payments does not count towards my 120 months of payment, making my time in the program longer. Navient has not provided me information or clarification on how my account balance has grew from {$87000.00} to {$100.00}, XXXX. I do not know how, why. or when the balance on my account increased and my account history does not reflect the changes or increase. That is a problem because as a consumer, I should always be aware of the changes happening to my account and I never received a notification or update stating my account balance has increased. Navient has failed at educating me on why these changes have happened to my account.
Consumer complaint received 2017-04-11
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: Neon Newco Corporation (OH)

My name is XXXX and once again i 'm writing cause i clearly do n't like the the way i was treated by net spend executive XXXX this guy is guy is liar and a joke cause when i started to explain whats going he would hang up the phone when i called back he told that call dropped i find that highly unlikely being that we both were on landlines this is that old way of controlling the conversation he said he had called me back which was lie cause i pulled records this guy think he 's playing with kid i have enough colleagues frat brother i 'll boy cote this company I 've been with this company for 10 years and its said how i 'm treated
Consumer complaint received 2017-04-13
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

When calling XXXX to discuss the mailing they sent me, I first spoke to a rather nice gentleman. 

I informed him that what I received was just letters stating they claimed I owed them for XXXX accounts from Capital One. I had requested debt validation that met the FCRA and this did not. He told me I should have received something with Capital One letter head ; which I had n't. 

Mid call, the call went silent and I found I was transfered to someone who talked over me. I was confused as I had n't requested to speak to a manager. This man repeatedly asked me who would have opened these accounts with my information. I tried to tell him I was simply asking for validation, and I did so very politely. He continued asking me this same question and ignoring anything I said. He got louder and louder. I told him that he was being harrassive but he continued till I asked for a manager. 

The manager was n't even his direct manager and she seemed to only care about getting me to say I owe the debts rather than the behavior of her subordinate. I was the one who called in to try and get a handle on the situation. I was not dodging a debt but asking for validation. 

After the call I made a call to your hotline and am still very shaken from being yelled at. I was confused by the juggling me around from person to person without saying they were going to transfer me and then to be yelled at for a highly irrelevant thing. Regardless of how the account was opened, I was requesting validation.
Consumer complaint received 2017-04-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (LA)

Ocwen Loan Servicing is charging me an additional {$2000.00} in " fees ''. When I have asked for documentation of these fees, they sent me an email with fees dated from XX/XX/XXXX to XX/XX/XXXX. I was not with Ocwen - I was with Litton Loan Servicing at the time. Ocwen took over all the mortgage in late XX/XX/XXXX/early XX/XX/XXXX. I have NEVER been notified about these fees ever until I had another dispute that has been settled with Ocwen. Many times since I have been with Ocwen, I have had a XXXX balance and no mention of fees from the prior company. It is only NOW, SIX YEARS LATER that they start talking about fees. This is a scam!!!!! Ocwen needs to be shut down!
Consumer complaint received 2017-04-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (SC)

I have a XXXX mortgage on my home. In XX/XX/XXXX Specialized Loan Servicing ( SLS ) became responsible for my loan servicing. I have had numerous errors with Specialized Loan Servicing with regard to the ACCURACY of my payments, escrow, and tax forms. As of the date of this complaint ( XX/XX/XXXX ), SLS has still not provided me with an accurate IRS XXXX form, despite multiple calls and written requests. The intention of this complaint is to formally demand that Specialized Loan Servicing provide me with an accurate XXXX form as well as to provide a root cause as to why there were errors.
Consumer complaint received 2017-04-12
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (CA)

I purchased a drone from XXXX on XX/XX/2017 using by AMEX Blue Cash Everyday card for {$1000.00}. On XX/XX/2017, I returned this item bought back to the merchant. A prepaid return label was provided to me by the merchant, XXXX. Using the prepaid return label provided, I dropped the item off on XX/XX/2017 at an XXXX store in XXXX, CA. Starting XX/XX/2017, there has been no movement/update of this shipment. Contact was made with XXXX to gain more information in regards to this return shipment to no success. XXXX refused to cooperate in an investigation into this missing package. Furthermore, the merchant also refused to cooperate with this return shipment. As of present day, the returned shipment mailed back under XXXX tracking # XXXX has had no updates/movements. In any case, I do not retain possession of this item anymore. The item was handed off to the shipping carrier, XXXX, using a return label provided by the merchant. Furthermore, a missing package criminal investigation has been started with both the XXXX Sheriff 's Department and my local city police department. This is the absolute most I could do in this situation as I returned this package to the merchant in my maximum capabilities. There is absolutely nothing more that I could 've done in this situation. I have no control over the shipping carrier 's warehouses or other operations. Multiple disputes have been filed with AMEX against the merchant as no one is willing to cooperate in this matter. I expect a full refund in this as I fulfilled my maximum duties in returning this item back to the merchant. As previously mentioned, there is absolutely nothing I could 've done better to ensure the safe delivery of this returned merchandise. As this now pertains to a lost package, it should be the responsibility of either XXXX or XXXX, or both. The merchant, XXXX, paid for my return shipment which resolves me of any liability of this package. I do not retain any control over this shipment as I was not the party paying for the shipping cost. Having said that, I expect a full refund of {$1000.00} out of this as I went above and beyond, contacting the merchant, the shipping carrier as well as law enforcement in regards to this shipment. Furthermore, I do not possess this item anymore.
Consumer complaint received 2017-04-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

In checking my credit report, portfolio recovery had me dinged for {$280.00} due to a " XXXX '' account. I asked when this account was open, what the credit limit originally stated, and for an itemized list of charges. After being transferred to four different representatives and " managers '' I lost my patience and stated, " i will just go ahead and pay it in full if you remove from my credit report ''. Said representative agreed and we continued with payment. I paid the account in full - as soon as I received confirmation that the payment went through I checked my credit report and the balance still shows {$280.00} on transunion but {$0.00} on XXXX and XXXX. I then disputed the collections with each bureau and portfolio recovery DENIED removing the account stating that the information is " correct ''. Looking back at it, i should n't have given them a penny. Why? Because they could n't even verify the original debt and had NEVER sent me any mail/email regarding the account. This company records all of their calls so they should follow their word! Espeically considering they received {$280.00} from someone whom they could n't even verify. VERY DISAPPOINTED!
Consumer complaint received 2016-09-25
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (KS)

I applied for a loan with Big Picture Loans- and came to find out after being approved for the loan that they are not licensed in my state and are also charging rates of interest that are illegal in my state. When I contacted them about this they told me that they operate on tribal land and are not governed by state laws and licensing requirements.
Consumer complaint received 2017-03-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (OH)

I had a loan that was transferred to Wells Fargo and went through foreclosure and was caught up but since nobody knew who owned the note. It had to foreclose since the title was cloudy. It was fraud by the bank on every level. All the documents were Robo-signed and are all made up. It got dismissed in court twice and it is still being reported on my credit inaccurately. Everything is said and done and nothing is accurate on my credit report.
Consumer complaint received 2017-04-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

XXXX XXXX of Bayview Loan Servicing , LLC, Customer Support called XXXX XXXX, ( mortgagor ), on XX/XX/XXXX @ about XXXX EST. XXXX XXXX 's call was in response to previous messages left by XXXX XXXX, inquiring as to why the XX/XX/XXXX & XX/XX/XXXX payments had not been posted. XXXX XXXX specifically told XXXX XXXX that her payments were being returned to her, as the home is going into foreclosure, as a result of a past due balance that Bayview Loan Servicing has NOT and can not verify the debt as being past due and owed. XXXX XXXX further stated that there are NO PAYMENTS on the account for the year XX/XX/XXXX-XX/XX/XXXX, which is totally false as XXXX XXXX have processed checks showing that each check was infact received and deposted by Bayview Loan Servicing , LLC & posted to the Loan Account number. However Bayview Loan Servicing has obviously misapplied these payments. On behalf of XXXX XXXX, I have previously sent RESPA letters requesting validation of this mysterious outstanding balance that Bayview Loan Servicing , LLC claim that is owed. To this date, Bayview Loan Servicing , LLC has NOT. To add insult to injury, XXXX XXXX further attempted to get XXXX XXXX to consider an UNNECESSARY Loan Modification for this unverified mysterious past due balance. As I was listening to the conversation via speaker phone, I asked XXXX XXXX/my mother to have XXXX XXXX Call my phone, as by Powers of Attorney I am authorized by XXXX XXXX and the POA has been received and acknowledged by Bayview Loan Servicing , LLC . Upon XXXX XXXX calling my phone, I immediately began a legal phone recording. XXXX XXXX immediately terminated the call. 
On or about XX/XX/XXXX, did in fact receive back ONLY XXXX of the checks. With a letter explaining that the XX/XX/XXXX payment was inadvertently dated XX/XX/XXXX by XXXX XXXX and there fore could not be deposited for the stale dating. XXXX XXXX then processed the payment for XX/XX/XXXX via phone with a customer service representative of Bayview Loan Servicing , LLC . 

XXXX XXXX maliciously and willfully misrepresented that the home was going into foreclosure, in an attempt to intimidate XXXX XXXX into agreeing to this unverified past due balance, and offered her two options. Pay the amount or Agree to a Loan Modification to include this mysterious past due balance. XXXX XXXX has intentionally and willfully violated the FDCPA, and other state federal consumer protection laws as well as banking laws. 

Bayview has in fact sent out a few Notices of Intent to Accelerate that are defective in that they all include a Past Due amount that is not past due at all.
Consumer complaint received 2017-04-13
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: KEYCORP (NJ)

I opened a home equity line of credit with XXXX back in 2005. In this contract I agreed that if I made additional payments to my loan, the extra payment would be applied to the principle to help pay down my loan faster. Twelve years later, I was online and I made two successive payments on this loan. The first payment was divided up with some paid toward interest and the additional amount paid towards principle. I logged back in about 30 seconds later and repeated the same payment amount and the system just took the entire amount but did not say how it was being applied. I called up XXXX to further the conversation and I found out they have NEVER applied my extra payments as my contract stipulated. I have escalated this issue within XXXX and their executive office committee to resolve and they are trying to tell me that their system could not do this until last year and she could not go back more than 12 months to fix this issue. 

I need CFPB to step in an ensure I am no longer being taken advantage of for their inability to uphold their end of the contract due to system limitations or personnel laziness ( she said she cant go back more than 12 months -- all of my statements/payments are available for her ).
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

Experian continues to report my mortgage incorrectly resulting in me being denied refinancing even by the institution that currently holds my mortgage ( XXXX XXXX ). My current mortgage holder 's ( XXXX XXXX ) underwriting department indicated they are compelled to go by what is in my Credit Report although they have other supporting documentation. XXXX XXXX also provided me with a letter from their executive office confirming my claim that what Experian is reporting is NOT accurate. Experian keeps sending me cookie cutter response stating the " credit grantor has verified its accuracy ''. Its refers to the credit report. I not only submitted to Experian the letter from XXXX XXXX, but i also circled what was inaccurate on their credit report and referenced the letter. In addition, I pointed out that the negative according to their report status is due to drop off by XXXX XXXX anyway. 
Problem : XXXX XXXX I refinanced my home with my now ex. He took the refinance money which XXXX XXXX can confirm using bank statement and I provided copies of in Civil Court. In XXXX due to his shenanigans, foreclosure proceedings began. I pulled my home out of foreclosure and secured a loan modification with XXXX XXXX ( XXXX XXXX ) in my name only. In XXXX XXXX I was awarded a Quiet Title to my home and have been making payments on time without exception. 
Experian is report my mortgage as an individual account from XXXX XXXX until present which creditors are viewing as I was solely responsible for the foreclosure being initiated. 
XXXX XXXX 's letter clearly states that " ___ is the only one liable for this loan since the modification dated XXXX XXXX. I have enclosed the original Deed in Trust dated XXXX XXXX, XXXX, between ____ and ___ as joint mortgage holders. '' In addition, I provided Experian with a copy of their own credit report from XXXX XXXX, XXXX where they account was reporting by Experian as joint to further prove to them that what they are now reporting is NOT TRUE. The documents are there in their own data base along with XXXX letter generated from an executive in the president of XXXX XXXX 's executive office. 
Experian 's letter further states and I quote, " : we will not reinvestigate the same dispute again at this time. '' I take issue with this because it is clear Experian has chosen not to look at the evidence showing a preponderance of facts that their report is : misleading, biased, inaccurate and continues to adversely impact both my personal and business ability to become whole again and prosper. In fact, this is covert financial abuse.