davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-15
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO. (GA)

On XXXX XXXX, 2016, I received from Amazon.com & partner Chase, an unsolicited " Amazon Rewards VISA '' credit card. As shown in the uploaded pdf files, this unlawfully issued card had a credit limit of {$6500.00}. I shredded it immediately and called Amazon customer service, who in turn referred me to Chase security. According to them, my personal information was used by a " 3rd party '' to request the credit card. However, neither was willing to show me any proof of the information used by this so-called " 3rd party ''. For example, they said the personal information included the answer to my security question asking for my mother 's maiden name. I asked what the so-called 3rd party 's answer was to that question and they could only say that it was " my name '', which is not the established correct answer to that security question. I told each that they should be able to provide me all information used to open a credit card in my name, but they were not able ( or not willing ) to provide me any proof that it was not they who issued this unsolicited credit card. Moreover, I told them that the card came to my address, rather than the address or post office box of a so-called 3rd party ... a fact that makes no sense when a 3rd party had nothing to gain by sending the card to my address. I then contacted XXXX of the XXXX credit reporting agencies, which shared my fraud alert with the other XXXX credit reporting agencies. Each of them provided confirmation of the alert. 
The XXXX document in the uploaded pdf file, shows another instance of Amazon.com and Chase issuing an unsolicited Amazon Rewards VISA for a credit limit of {$5000.00} to another consumer. Finally, the third document in the uploaded pdf file, is the XXXX XXXX CEO 's recent admission that XXXX had also been issuing unsolicited credit cards and other services. Perhaps this was an Amazon/Chase attempt to keep up with their XXXX competition. 
I am requesting that the CFPB require Amazon and Chase to provide to the CFPB, and to me, all information use in requesting and issuing this unsolicited credit card, in a sincere and good-faith effort to convince me that they issued this credit card based on information provided in a request by a 3rd party!
Consumer complaint received 2016-05-18
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (MS)

I am under the impression that there is a fairly new law, within 10 years, that states when a consumer makes a credit card payment the amount goes to the higher interest rate first. I have a credit card with Chase Bank that I make more than the minimum payment and a portion of it is going to the XXXX % balance with most going to the XXXX % balance. 
I would like to find out if that is okay for a company to do that, or is Chase applying my payment incorrectly? 
Thank you!!
Consumer complaint received 2016-07-08
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One direct banking is causing me to be late on my bills, I mailed XXXX money orders totaling {$340.00} on XXXX/XXXX/16 and XXXX/XXXX/16 which I faxed over as proof to a supervisor. The website does not specify that they do not accept money orders, I did not receive back until two weeks later with a letter dated XXXX/XXXX/16 stating they do not accept money orders now I am late on several bills because I did not have the funds to replace the money orders, the manager claimed they do not accept money orders because they could be fraudulent but I actually signed my money orders and I had to put my contact information on it so this is not true. Then another manager advised me based on the type of account that I had, they ca n't accept money orders. It seems to me that no one knows what they are talking about and I also just found by supervisor on Wednesday that my account could be shut down due to government regulations because I am using this as a checking account instead of a savings account which I advised them my current checking account is overdrawn by {$450.00} due to fraud and that account is frozen. No one ever told me that until Wednesday, I feel that Capital One withheld information. I have several late fees that I have to pay plus now I am dealing with several credit reporting. I have been a customer of Capital one for 10 years, I also have a credit card with them. I also had to pay a {$28.00} wire fee and I had to take off work to do it because my bank will only do transfers from XXXX Monday through Friday, and a certified check would have been cheaper but Capital One advised me it can take up 3 days for the money to post. Most banks do not do bank wires for balances less than {$10000.00} but my bank granted me an exception. I was also advised on Wednesday that I could transfer to a XXXX checking account but I was never given that option before. This is has cost me financially I now have to try to play catch up because several of my payments were returned and now some creditors are making me do money orders with them. This is bad customer service. I also have a Capital One credit card that has put XXXX credit marks on my credit and it is past due, I need both of them removed because this was not my fault. I can fax Capital One a copy of the negative bank balance plus the wire fees, I have not been credited for all the bank return fees like I was advised that I would be.
Consumer complaint received 2016-10-17
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY (MA)

TD Bank Charged me the payments three times in XXXX, 2016. I had called them several times to let them know their mistake and the consumer service of TD bank told me they would send me a check with the refund. So far, after 4 month I have not received any available check from them. I believe TD Bank never send out the check. They are liar.
Consumer complaint received 2016-08-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Pressler & Pressler, LLP (NJ)

I wanted to alert you that the Debt Buyer, Pressler and Pressler LLP, continue to engage in practices that are forbidden per XXXX. My wife and I have had an on-going legal battle with them over a {$300.00} bill from an XXXX office. 
My wife and I were not married at the time and I fear that Pressler and Pressler bought this debt for pennies on the dollar and then moved forward with a lawsuit suspecting that a single mother would n't have the time, fortitude, or knowledge to fight back. 
Relevant but not central to this complaint is that my wife never actually owed the debt, it was a mixup with the health insurance companies at the time of her service. 

Pressler and Pressler has already levied over {$300.00} out of her account and we have an upcoming case in Superior Court. I have confidence that the court will see the proper path forward at that time, but I did want to let you know about these on-going practices. 

Attached is just some of the more recent harassing and antagonizing debt collection efforts. I believe Pressler bought this debt and pursued legal remedy based on a heuristic data-centric model, rather than an attorney that actually sat down and examined the case. This is in exact opposition of XXXX, specifically most of subsections in " Prohibiting Debt-Collection Litigation Activities Without a Reasonable Basis ''. 
Our current goal is not to seek federal relief but instead to alert the CFPB of Pressler and Pressler 's aggregious deflection of the Bureau 's previous finding. 
Please contact me if you need any supporting documentation or facts. 

Respectfully, XXXX XXXX RE : Pressler and Pressler , LLP XXXX XXXX XXXX XXXX, NJ XXXX XXXX
Consumer complaint received 2016-07-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MD)

I signed up for a Citigold checking account during a promotion where XXXX XXXX XXXX miles would be awarded if I did XXXX bill pay in two consecutive months and made {$1000.00} in debit card purchases with the Citi debit card within 60 days. I received confirmation over the phone with a Citigold representative when I met these requirements and was told to wait 90 days for the miles to post to my XXXX account. This bonus never posted, so I asked a Citigold representative to manually post this bonus to my account, but they now claim that I was not targeted for this promotion, even though I was confirmed when I first opened the account. Claiming that I first qualified for the account when I signed up and then later claiming that I was not qualified is not acceptable as a marketing practice.
Consumer complaint received 2016-10-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

My husband lost his job XX/XX/XXXX and since he worked out of XXXX the last 3 years we were unable to collect unemployment. I contacted our mortgage company, Wells Fargo XX/XX/XXXX to tell them what had happened and ask for help because my husband has been unable to find work. He was a XXXX of a company and its very hard to find work when you 've been at that level. We have had ccellent credit and have never missed a payment on our bills. I talked to a person named XXXX and with a few short questions, she put us on a special program with a reduced payment from {$1900.00} to {$600.00}. She told me not to pay XX/XX/XXXX payment and that we would start making payments in XX/XX/XXXX. I told her we had automatic withdrawal from our account and asked if that would be continued and she said yes. I asked her several times and told her that I did n't want my credit affected. She assured me that it was set up and would n't be a problem. I did n't get my bank statement for XX/XX/XXXX intil XX/XX/XXXX and had n't checked to see if the payment was deducted because it did n't even occur to me that it would n't be. I got a call from the bank XX/XX/XXXX stating that we were 3 months behind in our payments and our house would be foreclosed on. I tried to call XXXX but got continual voicemail. I left many messages for her to call me with no avail. I talked to the collection part of Wells Fargo and they put me in touch with XXXX 's supervisor and she told me that I was kicked off the program and could n't be put back on again. When I got emotional and told her what happened she said they could make an exception and she 'd have someone call me back. Well appsrently that someonwas the original person, XXXX. She never called me back. Finally after talking to the bank countless times they put me on another program paying double of the original amount, which we ca n't afford, and told me that the only person that could fix the credit issue was XXXX and she 'd be in contact with me. Well, XXXX has yet to call and our credit has a black mark on it. Wells Fargo bought out our loan from another bank and changed the type of loan it was illegally from a fixed to an adjustable payment and it has gone from {$900.00} a month originally to {$2000.00} a month on top of that. They have done so many illegal and immoral things with our loan and I 'm beyond frustrated. I 've tried to work with them. I 've always paid my loan on time and now they are ruining my credit and we still have a loan payment we ca n't afford each month. Please let me know what can be done. They are not going to foreclose on our house for now if we can keep up the payments. We went from {$2000.00} to {$600.00} to {$1200.00} a month now.
Consumer complaint received 2016-09-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

I have a mortgage with Wells Fargo and had my mortgage set up for bi-weekly payments. The mortgage had no late pays and was always on time. My father, after the death of my mother filed for bankruptcy ( Chapter XXXX ), both of my parents were listed on the original loan documents, however, they never made one mortgage payment, utility payment or paid for any upkeep or maintenance on the property. Once my father filed his bankruptcy Wells Fargo no longer accepted my payments. I argued with them many many times explaining to them that the automatic debit from my checking account was mine and mine alone and that my father had nothing to do with this account and for matter nothing to do with this house. Wells Fargo forced my house into foreclosure because they would not accept my payments, which was not my fault. I have continued to reach out to Wells Fargo trying to get a loan modification which had Wells Fargo accepted my payments I would not need this help. They have done enough to hurt my but when it has come time to help me get things straightened out, they have been less than willing or eager to help. The loan modification documents have been submitted on three separate occasions and each time Wells Fargo has asked for additional documents from me which I have submitted. Wells Fargo has continued to place one obstacle after another in front of me and my family with no signs of them willing to correct this situation that they have put me in.
Consumer complaint received 2016-08-31
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (TX)

I took out a {$5000.00} loan with XXXX XXXX back in XX/XX/XXXX or XX/XX/XXXX for my attendance at University XXXX XXXX. Once I started repayment on them my loan has increased to almost {$10.00}. So I accumulated double in interest. How is this possible. I went back to school and deferred my loans which was until XX/XX/XXXX. By this time navient has now taken over my student loans. I was n't advised of the change. I 've to one person in regards to my account and they say I owe {$300.00}. which I was only pay {$100.00}. They have been calling me nonstop all day. I do not want to speak to them unless someone is willing to help. No one is willing they only want there money. Why is my interest so high? Why are n't you trying to help me lower my monthly payment. why is the interest that much on a college student.
Consumer complaint received 2016-09-01
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (IA)

I am writing to see about filing a formal complaint about Wells Fargo Dealer Services. The contact number I have for them is XXXX. I had an issue today with having a vehicle repossessed. I had someone here with XXXX XXXX XXXX XXXX hooking up my van to be towed away. At the same time I was talking on the phone with a representative from Wells Fargo Dealer Services and trying to get things figured out with them and removing my personal items from the vehicle. Well talking with the Representative from Wells Fargo on the phone he informed me that I need to listen to the repo men because one of them is in Law Enforcement as a deputy. I asked which one was the deputy and they both said they were not. So I informed the representative on the phone that and he said that then one of them is a reserve officer and threaten me with that. I asked these men and they both denied that. Finally the one man said he formally was in law enforcement but has since retired when he started working this job. The rep on the phone was trying to threaten me with the fact the these men were in law enforcement when they are not and was reminding me he did not say that and everything was being recorded on his end. 

I felt very threatened today by the representative from Wells Fargo and to tell me there was a Law Enforcement Official standing in front of me to intimidate me that was false has upset me the fraudulently misrepresented the repo team as Law Enforcement.
Consumer complaint received 2016-11-14
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: KEYCORP (NY)

I filed a case with New York State Department of Financial Services, XXXX, regarding an inquiry regarding who has regulatory jurisdiction to enforce New York State 's Unfair and Deceptive Acts or Practices statutes, citing specifically Key Bank 's failure to respond to my XXXX/XXXX/16 request for mediation using the NY State Attorney General 's program, and Key Bank 's failure to my XXXX/XXXX/16 business supplier submission, as Key Bank directed per my phone conference call of XXXX/XXXX/16, to be used as generating income to be used for a workout of the existing home equity loan of the Estate of XXXX XXXX. 
NY State Department of Financial Services referred me to CFPB, claiming that CFPB has regulatory authority over state law violations of a nationally chartered bank such as Key Bank. Is this true? 
Attached is a copy of the screen shots from my business supplier submission saved as PDF files.
Consumer complaint received 2017-01-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NJ)

Upon graduating in late XX/XX/XXXX, I entered the workforce working for XXXX in XX/XX/XXXX, right before the market and our economy hit rock bottom. On top of trying to start my career in finance during the worst financial crisis, I was having difficulty making my exorbitant payments with XXXX ( now Navient ). For 2 years, the only option they gave me was to go into forbearance and they continued to roll me into a new forbearance plan every few months ; never giving me an option to lower my payment based on my income. After reading the full complaint and learning of the rules on income based repayment plans that were rolled out in XXXX, I believe I was given bad guidance and now face excessive interest that accrued during the forbearance periods. With this new lawsuit against Navient, I realized I am one of the very people this lawsuit is looking to protect. Please help me understand my rights against this abuse and advise me on the next best steps to take against Navient. After paying my loan timely for years, my original repayment balance of ~ {$60000.00} is still greater than {$76000.00} ; 20 % greater 8 years after graduating. Thank you for your help in advance!
Consumer complaint received 2016-10-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Quality Asset Recovery LLC (NY)

Quality Asset Recovery L # XXXX IS KEEP ON HARASSING ME FOR COLLECTION WHICH I HAVE CLEARED i was visiting usa in XX/XX/XXXX on a travelers insurance and as suggested by a primary health care visited the XXXX medical center for a XXXX. before asking or receiving the health care i have asked the medical center many times, i do n't have regular health insurance, i 'm visiting this country. please tell me the cost first and then i will check with my my travel insurance then will decide if i need the emergency care or nor. no one answered me nothing. they have not even resister my name. just asked to wait for the care. then they XXXX and discharged me without any registration. 

on my second visit a nurse XXXX and asked me to leave. on my way out they collected my travel insurance details, my name, and dob. i left the country after my business travel. 

when i return to usa in XX/XX/XXXX with a XXXX i found that there is negative entry in my credit report. called the collection agency and explained them my case. All they did is asked me to pay the amount around {$700.00} from my pocket. i have paid the amount with the help of my sibling. They promised they have removed the entry from my report. i still see the entry in my report. 

both the medical center and collection agency is doing wrong with respect to this great nations legal system. i would like to file a consumer harassment case against both the registered bodies. please guide me
Consumer complaint received 2016-11-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc (MD)

I became dissatisfied with my Gym, XXXX XXXX in XXXX MD, and decided to cancel my membership. Cancellation became an almost impossible task due to a situation at the club in which there was no manager employed there. Finally, I was referred by a club employee with a shrug of the shoulders to ABC financial. ABC financial then proceeded to tell me that only the club manager could cancel the membership. I told them there was no club manager, so what could we do? The representative did not offer a solution. Upon my pressing the issue, the representative promised to stop charging my account in the interim. They did not, however, stop charging my account. They charged a late fee, and starting making incessant robo calls to all the phones they had on my account. I called back and asked about the automated email and call that I received despite my complaint, request to charges stopped, etc. The rep said she did not know anything about the email and call but that it " should n't be happening, my information was noted in the record. '' I have never been connected to the same representative twice in trying to deal with them. They still want to collect a charge for one month fee on behalf of a gym that was itself operating illegally by having no personnel in place for members to cancel. It is maddening.
Consumer complaint received 2016-10-16
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: FIRST NATIONAL BANK OF OMAHA (FL)

I mistakenly submitted a bank account transfer to another bank account ( an ACH " push '' ) twice, the second of which would have resulted in a negative balance. As soon as I realized my mistake less than 24 hours later, I made an attempt to cancel the second transfer. The bank would not allow me to cancel it even though it had not processed. Instead, I submitted a transfer back into the account to fund the second transfer, such that I would not be charged any fees. 

As a result of this single mistake, I was charged {$130.00} in returned item fees, despite a bank policy of automatically refunding the first returned item fee in a year. Even so, the posted returned item fee is supposed to be {$33.00}, not {$130.00}. I can not comprehend how a single transfer in error, which was corrected before any fees were charged, would result in four times the posted fee.
Consumer complaint received 2016-10-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Frederick J. Hanna & Associates, P.C. (closed) (FL)

Hello. 

This account was paid in full. 
An arrangement between the lawyer and myself. 
Last week call the attorney to file a complaint Because that still keep it as debt collection {$150.00} He replied that it had been a mistake I was going to erase that negative report. 
This appears in XXXX Report. 
XXXX XXXX Original Creditor XXXX XXXX. 
Open Date XXXX XXXX, XXXX Balance {$150.00} Collection Debt {$150.00} XXXX This appears in my bank report. 
XXXX/XXXX/XXXX XXXX * GA {$370.00} I need your help please. 
Kind Regards XXXX XXXX
Consumer complaint received 2017-01-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2016 Bank of America acquired the servicing rights to my mortgage. I did not have an escrow requirement with the previous servicing company and have always paid all property taxes and insurance, both hazard and flood directly. Bank of America has informed me that their policy requires that flood insurance be handled through an escrow account and have sent me a notice requiring additional monthly payments to satisfy this escrow requirement. I do not wish to make payments into escrow and when I originated the loan I indicated as such and the previous lender/mortgage servicer was agreeable to that. I do not see why I should be bound by the policies of a new mortgage servicer when I had no choice in the transfer from the previous servicer.