davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-17
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I paid to XXXX for car rental in advance of pickup in the sum of {$160.00}. The car was to be picked up from XXXX ( XXXX ) on XX/XX/XXXX to be dropped off XX/XX/XXXX. Upon arrival at the Merchant 's office, I was asked to pay a deposit for insurance in the sum in excess of {$1800.00} ( XXXX Dollars ). I informed them that my credit card ( Bank of America ) had auto-insurance that covered the rental car. They rejected and insisted I must cough out the requested amount. I reminded them that I was not informed at the time of the transaction that I would be required to pay ten times the car rental charges as insurance nor was I pre-notified that card-backed auto insurance would be rejected. 
As I could not afford what was being requested, and believing that it was a way of fleecing me, I requested to be refunded my advance payment. The Sales Representatives requested me to contact XXXX. Astonishingly, nowhere on all the receipts and other information sources were the contact details of XXXX was stated. 
I eventually was able to find the contact details on the internet and put several calls through that went into voicemails. 
The only option left was to dispute the transaction as the merchant had made it impossible for me to obtain the service I paid for. 
I provided all the information requested to Bank of America and after couple of weeks, I was written a letter by the Bank that I could not be refunded because the merchant made the service available but I did not avail myself of the service. 
My complaint is that the Bank ( Bank of America ) aided the merchant in under-cutting me. The Bank knowingly provided me with an auto insurance-backed credit card that they knew would not be acceptable to car rental companies and did not do anything to my knowledge to challenge the merchant as to why the auto insurance was rejected. 
The Bank 's action is a breach of Dodd-Frank Act ( UDAAP ) Unfair, Deceptive, Abusive Act Practices ) by knowingly selling to me a credit card product ( auto-insurance ) that is evidently worthless in the market place. I feel strong about this particularly the way the Bank Agent that I spoke to responded to me with a high level of non-chalance. 
I hereby appeal to CFPB to assist in investigating this deceptive transaction with the aim of recovering the sum of US {$160.00} that was surreptitiously debited to my account by the merchant in connivance with the Bank of America.
Consumer complaint received 2017-03-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

I have a mortgage with CIT/OneWest Bank. When I applied for the mortgage, they assured me that once the mortgage is in place they provide 24 hour web access to the account. However, within a few weeks of my having received the mortgage, online access was gone. When I try to login I get message " System Error. We 're sorry, but an unexpected system error has occurred. We are unable to process your request. '' This has been the case since XXXX or XXXX 2016. After what probably adds up to hours on hold and with their agents, they finally told me that the error was due to a " system upgrade ''. Since XXXX I have been repeatedly told the problem will be fixed soon. I have been promised a call back from a manager, which never came. When I call about it now they just tell me that it is a known error. There is no sign that this problem will ever be fixed.
Consumer complaint received 2017-03-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion..this agency had many incorrect spellings of my name, XXXX extra social security number on my file, many addresses I never lived, and many derrogatories that did not belong to me. 
I placed a fraud alert on my file and began disputes. To my knowledge the above mentioned has been corrected. 
My complaint today is in the dispute processes..transunion deleted XXXX loans XXXX loans of my high credits, my truck pd off in XX/XX/2014.they also deleted all but XXXX of my positive XXXX loan reportings. They wiped out my positive reportings and high credit seemingly to keep my score below XXXX. 
The bank that originally reported my loans claim they no longer report to transunion. Because of these deletions I cant qualify for any credit, keeping my score very low. 
Im sending pictures of the accounts they deleted unwarranted.
Consumer complaint received 2016-06-30
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I signed up for XXXX insurance based on assurances from the insurance company that my XXXX was in their network and XXXX were covered. It cost me {$100.00} to start the insurance and the monthly amount of {$37.00} was to be drafted on my Capital One credit card. After I received the information from the XXXX, I discovered the discrepancies in what I thought I was paying for and what I actually bought. I sent an email on XXXX XXXX, XXXX cancelling the coverage and requesting a refund. No response from the XXXX company, Upon checking my XXXX XXXX Capital One card statement, I saw a charge for the XXXX payment. I called the company on or about XXXX XXXX, XXXX to ask why I was being charged since I cancelled via email on XXXX XXXX, XXXX. I was told by their customer service representative that they would look into whether they had received my cancellation email but I would not be charged after XXXX XXXX and XXXX received a refund of my XXXX XXXX payment. I was assured that my 'membership ' was cancelled effective XXXX XXXX and I would not be charged in the future. It was n't until XXXX XXXX that I saw I was still being charged {$37.00} for the insurance membership on my Capital One credit card. I immediately called the company, sent them the email from XXXX XXXX, XXXX and requested a refund. The customer rep told me she would research whether they had received the XXXX XXXX email but could not do it that day since it was time for her to get off work and it was a Friday. She was to call me the following Monday but my membership was cancelled effective XXXX XXXX. She was not sure if management would refund my payments from XXXX XXXX to XXXX XXXX. The company never contacted me. Any contact was initiated by me on this matter. In the interim, I requested Capital One to reverse the charges/payments for this time period for this company. I sent them a copy of the XXXX XXXX, XXXX email cancelling the insurance membership. Capital One did reverse the charges but them sent me a letter stating I did not send copies of receipts of the charges so they reapplied the charges to my account. Since these were automatic drafts or charges to my account, I never had receipts for the charges. Therefore, I am filing a complaint against Capital One. I would also like to file a complaint against XXXX XXXX XXXX.
Consumer complaint received 2016-06-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (TX)

On Monday, XXXX XXXX my husband deposited an insurance claim check from our home owner 's insurance company XXXX XXXX in the amount ( approximate ) of {$8000.00} via the ATM at our local branch location in XXXX XXXX, TX XXXX. By XXXX the following morning, I received a notification that my account was overdrawn by several thousand dollars. Upon calling the number on the back of my debit card, I was told that the check deposited was missing my signature and the signature of the XXXX party which happened to be Chase bank and it was the bank 's policy to debit my account the amount of the deposited check until all required signatures were captured, and that until I received a copy of the check ( within XXXX48 hours ) my account woudl remain a negative balance. Infuriated, we contacted the branch manager at the location the check was deposited and continued to receive the run around as to why this happened. We have been told for 4 days now that this is the " bank 's policy ''. At this point, we are dumbfounded. This absolutely makes NO sense. We understand that we made a mistake on the endorsement but logically Chase should have not released the funds to us INSTEAD of debiting our account the amount for the check. Since then, we 've had various bills and miscellanous debits from the weekend post to our overdrawn account and we 've been assessed {$34.00} insufficient fund fees accordingly. We are currently in the process of working with the local branch to rectify this situation but I 'm hoping that by filing this complaint, a sufficient explanation can be provided to me regarding this " bank policy ''.
Consumer complaint received 2016-06-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jon Barry and Associates, Inc. (FL)

I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible
Consumer complaint received 2016-06-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NRA Group, LLC (OH)

National Recovery Agency XXXX keeps calling my cell phone to collect a debt. I have no idea who these people are. I receive 4 to 5 calls daily, sometimes they hang up when I answer, other times it is a pre recorded message. I once talked to a gentleman and he proceeded to tell me about this debt I owe ( not knowing what debt it was ) all before verifying who I was and getting the information. I have requested numerous time to send me in writing the debt that I owe. When I talked to this man I asked him if they ever notified me by writing or sent me confirmation of the bill and he said they sent a statement XXXX of 2015. I then told him that was a year and a half ago and I have received nothing. When I asked why he had not verified who he was talking to before going into length about this bill and amount he hung up on me.
Consumer complaint received 2016-06-30
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Information Bureau, Inc. (NY)

in XX/XX/XXXX, a company that no longer even has a website called XXXX Credit card services, address XXXX XXXX, XXXX, NY XXXX, called me and told me they would consolidate my credit card balance to a new card with a 0 % interest rate for the life of the card. they opened a new XXXX XXXX credit card for me without even moving the balance over and it was a credit card that had a 0 % interest rate for the first year and that 's it. they charged {$720.00} for this and after i realized they never completed any service besides opening a new card for me that i could have done on my own and lied about a 0 % interest rate for the life of the balance, i got in touch with the XXXX and FTC where it was finalized that i did not owe anything to them in XX/XX/XXXX while on my honeymoon XX/XX/XXXX, i got a call from XXXX called CIB collectors saying that carenet has pushed my information to them for their unpaid amount of {$720.00}. The individual Named XXXX was extremely unprofessional while I trying to explain that this had been taken care of three years ago and he kept interrupting me and saying that it isnt taken care of. I want to file a complaint and have this taken care of once and for all. I do n't understand why it has been resurfaced after 3 years after I took the right actions to end this years ago.
Consumer complaint received 2016-06-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (IL)

I had a car that was financed through Chrysler Capital. Recently the car was stolen and found completely burned by the police. I filed a claim with my insurance and gap insurance company in order to resolve my outstanding debt with Chrysler Capital. Even though my gap insurance has submitted the claim information and sent multiple checks, Chrysler Capital is still stating that I have an outstanding balance. They are also reporting negative information on my credit report..
Consumer complaint received 2016-06-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jon Barry and Associates, Inc. (FL)

I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possibl
Consumer complaint received 2016-06-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc. (FL)

I have been a patient of XXXX XXXX - XXXX office - for their XXXX. At first, they had a great doctor, so I was happy with my service. They have however changed the doctor and everything went downhill from there. There were several times when I would show up for an appointment, to be told that I have to reschedule because the doctor is not in today, or something has happened - I do not understand how the receptionist could not make a phone call and let me know ahead of time, before I loose the XXXX min to get there. I had to stay with them as I have already paid in full, therefore I just kept on going, trying to be understanding, and mostly because I did n't have too much time to research other doctors and go through the process again. Because I liked the doctor, initially I did n't really pay attention to their managerial skills. In time however, I started to notice how unorganized and unprofessional their whole office was. 
Just to give you one example of this total lack of organization and care : My insurance changed, and they had some problems with the billing, of which I was not aware until a half year later. When I finished my treatment, I asked for my balance, I paid what I was told that I owed the company. A couple months later, I checked my credit score, and apparently I have been put in collection for a {$600.00} bill that I have not been told about. When I called for clarification, the corporate office not only was very dismissive, but told me that they have two types of accounts that they use at their offices, and that this bill was for my second account. 
How is it possible that somoene asks ahead of time how much do they owe and than they get another bill charged. I have checked with XXXX, and apparently they are not even registered with them.
Consumer complaint received 2016-06-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jon Barry and Associates, Inc. (FL)

I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible.
Consumer complaint received 2016-06-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

I have contacted this agency time and time again for the past 18 months. I agm a nurse and I work as a nurse in the emergency room and spend 12 hours of my day doing so. I spend another 2 hours driving back and forth to work. I have over XXXX inquiries on my report that are not mine and they refuse to do anything about it. I always get the generic letter that simply says the inquiries are of factual record and they are not. They were fraudulenty done by my husbands ex wife in an attempt to ruin our financial livelihood. My husband is a former service member and police officer and I have been a nurse for almost 10 years. We dedicate our life to public service and it is disheartening when you ca n't get a company to help stop fraud on your report. The following is a list of inquiries and I will delete the ones that I did make so that only the ones I did not make remain XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX : XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX : XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX : XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX : XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX : :XXXX Show Details XXXX/XXXX/XXXX XXXX : XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, Anything that is listed here is fraudulent and needs to be removed. I work to hard to be a victim and get no assistance.
Consumer complaint received 2016-06-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I have been unable to get in contact with Carrington Mortgage LLC, services of my mortgage loan. I used to have XXXX, and XXXX sold loan to Carrington Mortgage. I googled Carrington and they have over XXXX complaints, worst customer service ever. Here is my issue. On XXXX/XXXX/16 I cancelled the remaining portion 1/2 payment mortgage check for XX/XX/XXXX. I cancelled that check and reissued another in {$880.00} amount through XXXX bill pay. The check was sent on XX/XX/XXXX and I know Carrignton Mortgage received it XXXX. XXXX gives it a deliver by date of XX/XX/XXXX. The check still has n't cleared my account as of XX/XX/XXXX and it usually does immediately within 1 day. I want to make sure that Carrington Mortgage does NOT say my check is 30 days late and report to credit bureaus. Full mortgage was received by them within the 30 day allotted time allowance. I 've searched and saw where Carrington Mortgage will falsely indicate 30 day late on credit report and I CAN NOT HAVE THAT. So I 'm trying to prevent this.
Consumer complaint received 2016-06-30
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (AL)

I have a loan with One Main Financial. I have had this say loan since XX/XX/2013, it is a 63 month loan. My balance started at {$11000.00} which I was only told I was borrowing {$10000.00}. My balance now after 3 years is still {$8800.00} so according to them I have only paid {$2400.00} in 3 years. I have received multiple phone calls from this company during this 3 years in which they have told me that if I did n't pay my payment that day that they would be seeking legal action against me. I have also received phone calls and I have asked them for help with getting on track and they have told me lies about how they are being bought out my other companies and they ca n't help me. One day the office staff called me and did n't realize that I was on the phone already and started talking about how they were going out that weekend XXXX. I just received a call today, I made a partial payment on my account, and they told me that balance was to be paid in full today or they was going to seek legal action, they tell me this multiple times and that they will sue me if I do n't pay. There have been times when I have been like 15 days past my due date and they still tell me this. I am fed up. I have been spinning my wheels paying this company and they are hateful and always rude to me and lie to me and threaten me. I have tried to call corporate several times and I am always told there is nothing to be done and I have to take it up with my local branch. They also call me 6 to 10 times a day if I am due for my payment. I am trying to work a full time to be able to pay my bills and my phone is constantly ringing. The other day when I went in their office a lady was in there making a payment and they were yelling at her because she had a hard time hearing and they were very rude to her also. I just ca n't stand the attitude they have with their customers and the way they are treating the loans and threatening me.