davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-17
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ENOVA INTERNATIONAL, INC. (TN)

I guess the sales person was so positive in getting me to take the loan, I ignorantly did n't read the fine print of the XXXX. Of course they told me they were moving to these things called " Flex Loans '' due to possible future legislation over payday loans. Well having XXXX ( I have XXXX XXXX insurance policies that are about good for nothing I 've learned ), I needed money fast because many dentists now expect payment up front and will send you any insurance reimbursements that come through after the work is done. 

I 'm a somewhat typical American living on {$23000.00} a year at age XXXX after a XXXX put me out of a XXXX a year job for 9 years and now nobody wants someone that long out of work and at my now obvious age. 

Anyway, I took the loan to help pay for the dental repair, but by the XXXX statement, I was in for a shock. This company, CashNetUSA sends a monthly statement, wherein, for example, the statement last month showed the principle owed on this {$800.00} loan was NOT listed ( except as a total so far for all payments made ), the interest due for this month was listed as {$13.00} ( HOW do they arrive at that when also claiming on this statement the annual interest rate is 275.85 % ), and then there is the monthly ( what they call ) " loan fee '' which for the month in question amounted to an additional {$140.00}. What in the world is a " loan fee? '' Just a fancy name for the rest of the interest they charge? 

The total monthly amount due was {$190.00}. Now this " loan fee '' thing is indeed a monthly charge. What exactly is it? Also, it seems the more I try to pay off what I owe, the deeper in the hole ( a little at a time ) I seem to be getting. 

What is this " wonderful '' new alternatative to payday loans except a way to avoid upcoming legislation regarding the way pay day loans loach people deeper and deeper into poverty, AND a new trick loan idea for the seriously underpaid of the " new economy. '' You know, the one where if we pay the super rich more, they 'll turn around and " share the wealth '' with us. Ever known a Republican willing to " share the wealth? '' Me either. 

Is what they are doing legal? Is the way they are doing it legal? This " Flex Loan '' thing seems to be growing like a cancer but on my wages, with my bill and family responsibilities, get a standard consumer loan? Forget it. 

Thanks for any help
Consumer complaint received 2016-07-01
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (IL)

On XXXX XXXX, 2016 at XXXX, I purchased XXXX {$25.00} prepaid American Express gift cards from my local XXXX store for {$83.00}. ( {$25.00} + {$2.00} fee ) XXXX. 

None of the cards have ANY balance on them. They were never activated, even though I paid for them. I contacted the store, but these gift cards are unreturnable. I called American Express, but I always get transferred to people who do n't speak native English and it 's hard to understand, and they are unable to transfer me to anyone who speaks native English. 

Their customer support refuses to activate the gift cards, even though I paid for them. All XXXX cards are useless, and I have no recourse.
Consumer complaint received 2016-07-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC (GA)

JH Portfolio Debt Equity has reported an account # XXXX that is not mine to my credit report. I requested a debt validation over 60 days ago by mail with no response. I called also and still have not received documents concerning this debt. I disputed it with XXXX and XXXX and all said that JH Portfolio Debt Equity verified to them. I would like debt validation information to be provided to me or them to remove this negative information.
Consumer complaint received 2016-12-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

On or around XXXX XXXX, 2016 and XXXX XXXX, 2016 capital one pulled my credit without my permission or consent!! I only have two credit cards and they are with the same company. I written capital one 6 letters over the past few months and I have also contacted them by phone only to be left on hold or promised for someone who does n't speak clear XXXX to call me back and they never do. This has become a headache and I am so sick of wasting my money and time to only be treated like XXXX because they ai n't worried about it because it ai n't them or for them to keep continuing to place me on hold and keep up office mess while they file they nails or just ignore me when I am due a fair investigation as described in the federal fair credit reporting act 623 ( a ) ( E ) and also to take this matter more seriously and if they fail to follow the rules of the company that employs them, at least follow the enacted laws.
Consumer complaint received 2016-07-15
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Debt Management Incorporated (MA)

I owe a past debt and it was forwarded to Capital Recovery Systems, XXXX in XXXX, MA. I called the company the other day and first thought it was curious I got the personal voice message of a woman named " XXXX '' who said she is from " DMI '' and " XXXX ''. I asked for a call back which I did receive and asked for update from the gentleman on the repayment amount and to inform I would be paying via personal check. The rep on the phone asked for my debit or credit card number and advised they do n't handle " paper '' transactions any longer. I advised I did not want to recite my credit or debit card numbers during an unsecured process and transaction but he insisted. I again insisted I would mail a check but he said they would not accept it. I needed time to think about all this so said I would call back when I was in fact ready to set up payment but I am in fact NOT ready and I am glad I waited and gave this some thought. No one should be coerced or forced into reciting their debit or credit card numbers over the phone to an officially unidentified company. Also, this company has never indicated anywhere in writing that they will not accept paper checks. So in my mind they can not enforce this. Also, on the internet there is notation that the company is permanently closed. I have no idea what is going on with this but I need to make payment but now can not and I refuse to under these circumstances. This company, XXXX needs to be investigated. The phone numbers associated are : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2016-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have invalid inquiries that resulted from identity theft reappearing on my credit report. These have been deleted from XXXX bureau but not the others. I 'm attaching proof of completion. I expect them to be deleted here as well.
Consumer complaint received 2016-07-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

I was charged XXXX by a fraudulent company for pirated software and services that were licensed to another citizen in XXXX. I submitted a dispute with USAA my Visa card issuer. I was given a temporary credit. The dispute investigation is still on going. I changed my credit card and now have a new number. I have not had any contact with the fraudulent company. I did report them to XXXX XXXX as a company that miss represents XXXX and has the ability to resell sold software licenses and on line software. On XXXX XXXX I was charged by this company yet again. USAA Visa claims this is a new charge. I have not authorized nor have had any contact with the company creating the charge. I have been told this is a reoccurring charge and that it did not matter that I changed my card number ; they can charge me against the old number and obtain the new card data through XXXX. I tried to report and claim this fraudulent new charge and was told to make a dispute. The dispute department asked for documentation which I do not have since I did not coordinate for nor authorize the XXXX XXXX charge ; I have submitted documentation for the XXXX dispute. The USAA on line system will not let me file a dispute for this charge ... .all other charges I could, but the on line option is not available for the XXXX XXXX charge. The USAA dispute representative could not manipulate their system to enter a dispute for the XXXX XXXX charge either. So ... in effect I have to try to get a temporary credit every time these Pirates charge my card in order to have my balance not be affected. I have been assured that I am not responsible for the interest these fraudulent charges create or the balance. However, If I were to have an emergency expense I would need to call USAA Visa to get help and might not be able to use all of the authorized credit they have agreed to give me ... .a broken contract in effect.
Consumer complaint received 2016-07-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

Hello, I recently purchased a townhome at XXXX California. I initially worked with the builder 's preferred lender XXXX XXXX XXXX, XXXX, CA for the loan processing. I put down XXXX % down payment and wanted a loan of XXXX % and XXXX % line of equity.. We approached this lender in XX/XX/XXXX and my home was due to close XX/XX/XXXX. During the pre approval process, we had asked the loan officer if they offer 7-year ARM adjustment loan instead of 30 year fixed. They confirmed they offer XXXX ARM adjustable rate loan. I have the pre approval letter from them that stats 3.75 % for XXXX ARM. After 2 months rates expired, and once my closure date of XXXX XXXX was announced, the lender called me XX/XX/XXXX and mentioned that he is talking to a couple of partners and they could offer an interest rate as low as 3.125 % and will call back to confirm the same and lock the rates. The entire week they did not call. He finally called on XXXX XXXX and shocked me saying that they could offer only 30 year fixed with a very high interest rate of 4.5 % for the XXXX loan of {$620000.00} and 5.5 % for the XXXX loan of {$100000.00}. The XXXX loan was from their partner company XXXX XXXX XXXX XXXX. 
I was given very limited time look for another lender. 
However, a loan officer from XXXX XXXX came forward to help me and he is a broker for Union Bank. He offered me an interest rate of 3.125 % for the XXXX loan of {$640000.00} and 4.5 % for XXXX loan of {$79000.00}. They were not able to close the home on the deadline of XXXX XXXX and the builder was not giving extension as the XXXX lender had already processed the loan documents and they asked me to close the loan with the XXXX lender. 
The XXXX lender, sent very strong emails to the builder threatening to report them to Consumer Financial Protection Bureau if they force me to close the loan with the XXXX lender citing the practice as steering. Finally the builder agreed to give extension till XXXX XXXX. 
The XXXX lender locked the rate of 3.125 % for the XXXX loan for XXXX ARM. He mentioned the interest rate for the XXXX loan is 4.5 % confirmed the same many times. 
After closing the home, I repeatedly asked him to send me the statements for the XXXX loan and he then tells me that Union Bank is charging 6.24 % interest and not 4.5 % that he had promised. Union Bank did not give anything in writing regarding the rate. However XXXX XXXX sent me a document on their letter head stating it as 4.5 % When I contacted Union Bank directly they tell me to talk to the broker and I can not contact them directly. When I contact the broker he says Union Bank is not agreeing on 4.5 % rate. 
I really feel cheated and I am caught up with a higher rate now. 
Hence I wanted to file a complaint with CFPB regarding my experience. 
Please do the needful in helping me resolve this issue. 
Thanks
Consumer complaint received 2016-07-01
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Aqua Finance, Inc. (FL)

XX/XX/XXXX I purchased what was supposed to be an XXXX Solar AC System. Within two months I found out that I had been scammed. I also found out that the company was not licenced to do solar ac systems. I then found out that there " in house '' notary had signed my name to several documents and has been found quilty by the FL Gov. Office for doing so. I then found out that a loan had been taken out in my name by someone. The loan was for the price of the " solar '' ac system XXXX with a company named Aqua Fin. I have told Aqua everything and provided documents to them in regards to the fraud and scam. when I received my first statement from Aqua Fin. I called and asked them to send me documents that I had signed due to the fact that I 've never applied for a load with them. They never sent me anything. I 've never paid on this loan and Aqua has placed it on my credit record and now I sold my home in XXXX XXXX and they had placed a lien for a " water treatment system ''. when the title company told me about the lien for a " water treatment system '' I told them I 've never had one in my home. So when the title company calls Aqua Fin. to find out what its about they told them it was for a " water treatment system ''. After the title company talked with me and i told them that I know of a company named Aqua fin. but I never had a water treatment system. I told the title company about the scam and fraud. The title company told Aqua Fin. about the " Solar AC System '' and by XXXX the next day Aqua Fin. had place another lien for the " XXXX XXXX AC system ''. I 've never had a XXXX Solar AC system in my home. The equipment that was installed I found out was just a regular XXXX AC system. And the " Solar '' panel they installed is not approved by the state of FL and that it had been found dang. 
I need help in getting my XXXX back that the title company is holding and get my credit back. This has made me very sick over the past two yrs. in trying to deal with this. I 've been in the hosp. over 15 times in XX/XX/XXXX due to XXXX. I have the Attorney Gen. Office of FL working on this scamm, along with working with the XXXX XXXX. PD in placing charges against several people that have been involved. It 's not right that Aqua Fin. took up business with XXXX XXXX and they got ripped off. I do belive that Aqua Fin. knew about the scam and got in on it to make money. it 's not fair to that I have to pay for a loan that I did n't take out. I have no papers showing that I did so. Please help me .... i do n't have the money to hire an attorney to help me .... attorneys want XXXX just to start to work on the case. I do n't have it and the XXXX is all the money I have and ca n't lose any of it. Please help me if you can. If you look online you can see just what kind of company Aqua Fin. is. 
Also if you look at my payment history on any of " my loans '' you will see that I pay them. My credit has dropped into XXXX when it was at XXXX.
Consumer complaint received 2016-06-30
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services (AR)

I contacted Mercedes Benz Financial Services to alert them that they are erroneously reporting derogatory credit lines on my CBR. I spoke to a XXXX XXXX who had me fax my credit report to her and she said she could send me a letter today ; they admitted that they have made a mistake, but then she told me I would have to wait 30 days per her Supervisor, XXXX XXXX to get it removed? It is not my loan and I advised it was causing adverse action. I asked for her supervisor, XXXX XXXX, who refused to get on the phone. I asked for an escalation to an Operation Manger and was told that none were available. I asked for an Executive Office of Relations or Complaints department to correspond to and was told there is no contact or email address that can be provided. The agent acknowledged receipt of my credit file and admitted that I was not their Customer, so I do not see how they can report this and then treat me like I am their delinquent Customer. I have never had a loan with them or Lease. I am more concerned with the crass, condescending attitude and belittling comments XXXX XXXX made and at one point actually laughed in my face ( she later said that was a Co-Worker laughing at me ). Yes, I 'm upset ; I 'm irate. They may cause me to lose my home- Please help me. This new agent who clearly did not even know the Leadership of her company, as I looked it up said I can only speak to her and she will call me back in a week? That does not seem fair or right. I would please like you to check their documented process of internal complaints and make sure this agent acted in accordance with the documented policy and procedure, as I feel I was not treated fairly and due to the disparate treatment, I now will have adverse action and this will cause a hindrance in a personal life goal of buying a home - all for a loan that DOES NOT BELONG TO ME! PLEASE help me. All I requested was a letter on company letterhead admitting what she verbally told me, that the account did not belong to me. Thank you, XXXX XXXX XXXX
Consumer complaint received 2016-07-01
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (ID)

I have XXXX separate credit cards that were with Chase Bank, both were charged off in XX/XX/XXXX. I received the IRS bill for taxes on the forgiven amount which I paid which shows that it changed the status of my XX/XX/XXXX and XX/XX/XXXX tax returns ... However, Chase is still reporting to the credit bureaus that I owe the debt. I have been in the process of trying to get a home loan for the past 5 months, this issue has held up the home loan for that time, 5 months now. Myself along with my bank and a credit reporting agency they work with ( core logic ) have all been in communication with Chase Bank, but nothing gets resolved, just a run around, ... Again, the issue is that Chase should be required to report the truth, that these XXXX accounts were charged off in XX/XX/XXXX, instead of showing the debt is still owed, our continued efforts, myself, my bank, and credit agency have not produced any results from Chase, ... Therefor I am submitting my complaint.
Consumer complaint received 2016-06-30
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (NC)

I lost my Wells Fargo debit card, thought I had misplaced it. I logged on today and saw deposits being made into my account from XXXX ( I live in XXXX ). I immediately stopped into my local branch to freeze the card & inform them of the ATM deposits I saw online. Well, guess what? They advised me my account would be closed on XXXX XXXX and after their investigation I can recoup any funds left in my account! I am a XXXX Veteran and victim here! I told Wells Fargo I lost my card and was the one that brought the out-of-state activity to their attention! My local banker tried to rally for me but the person on the other line ( corporate? ) would not budge, even when he pleaded that they were about to make a XXXX homeless! I am sick to my stomach because my VA XXXX posts tomorrow and I have to pay my rent, electric, phone bill, insurance, car note, etc. but Wells Fargo does not care! They advertise how " Veteran Friendly '' they are but we all know how the big banks do nothing but look out for themselves and destroy the lives of thousands of their customers that put their trust in them to do the right thing. I argued with family & friends that I should give Wells Fargo my business ... I should have heeded their objections.
Consumer complaint received 2016-06-30
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

We purchased a home and had a mortgage through XXXX XXXX XXXX. 
Late 2014 our home loan was sold to BSI Financial. 
With XXXX XXXX XXXX, we were never behind in our monthly payments. 
Before BSI even gave us a monthly statement, we recieved word that we were behind in our morgage. 
Furthermore, we did not recieve a morgage statement for XXXX or three months, so we made our monthly payments to XXXX XXXX XXXX in the mean time. This payment was some {$6000.00} dollars. 
THEN, BSI was given the money we had paid to XXXX XXXX XXXX, but instead of putting it towards the morgage statements for the months we had paid XXXX XXXX XXXX, they put that money into a PARTIAL PAYMENT ACCOUNT. This account was never linked with our " overdue '' account balance and perpetually showed that our account/morgage payments were " late. '' We have contacted BSI monthly. Weekly sometimes, asking " WHERE IS THIS MONEY?? AND HOW COME IT WILL NOT APPLY TO OUR MISSED PAYMENTS?? '' They simply tell us we are late. " WE ARE LATE. '' That is their answer. We ask how are we late when there is money to pay the late morgages, and they tell us " we are late and we need to be 'caught up ' before they can work with us. 
WE STILL HAVE NEVER MISSED A PAYMENT!! Yet we are always late because the money that we paid XXXX XXXX XXXX, which was then given to BSI, was NEVER APPLIED TO OUR MORGAGE. 
ALSO!!!!! We have a DEFERED INTEREST ACCOUNT that containes {$7900.00} and when asked what this money is going towards, and why it does not apply to mortgage, they WILL NOT answer the question. Repeat : THEY WILL NOT answer the question. 
BSI is hurting us financially and economically. We would like this money to be applied to our mortgage so we are " Caught up '' and not " delequent '' as they falsly state.
Consumer complaint received 2016-12-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made a mobile deposit of a check. I was later informed that the check had previously been deposited the day before to some other account, which was not mine and the deposit was reversed. This is impossible. So then I brought the paper check, which I had saved. I was told that since I had the paper check, this was considered a legal document and that I would be credited the amount in question, which was {$160.00}. Then the credit was again reversed, citing the same issue, which I believe is some bizarre bank error. At my bank 's request, I worked with the person who issued me the check and they shared account information showing that the funds had been debited from their account. My bank then asked me to ask the check issuer to contact his bank and request they write a letter to my bank to open an investigation. This of course did not happen, despite all request being made. Now my banking institution, Bank of America, refuses to open an investigation into my lost funds.