davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-07
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I came across an offer for Capital One 's XXXX Rewards Credits, and its terms were simple : {$0.00} annual fee ; 0 % Balance Transfer & Purchase intro APR for 9 months ; 1.5 % cashback on all purchases ; and a one time {$100.00} cash bonus after spending {$500.00} on purchases within 3 months of approval. These all sounded appealing, so I applied and was approved for a card. However, after purchasing a laptop, I called in to claim my {$100.00} cash bonus and was informed that I actually was n't eligible. Why? This is how the call went : Capital One : " Because that promotion is for a different card. '' XXXX : " I 'm looking at the promotion on your website, and it 's the card I applied for. '' *after a hold* XXXX : " That promotion is for a VISA card, but I can give you {$10.00}. '' XXXX : " I 'd like to speak to a supervisor. '' *after a not-so-brief hold* XXXX : " You are ineligible because you 've previously claimed a bonus reward on another Capital One card. '' XXXX : " No, I have n't. This is my first rewards card. '' XXXX : " It 's actually because we sometimes do n't extend the offer to already existing Capital One account holders. '' XXXX : " Sometimes? Is there set criteria that I can check my application against? '' XXXX : '' I do n't know. '' This is just awful business. They have a promotion for a card where XXXX of the most enticing parts of the promotion is n't even something I can take advantage of. There 's not a single word about ineligibility in the promotion, which is misleading. I received a hard inquiry when I applied, and at the time I thought it was worth it. But after the shady nature of my experience with this card, I regret applying in the first place. I had also factored the {$100.00} into my laptop purchase, so not getting that impacted me to some degree financially. What 's more infuriating and disappointing is the blatant shadiness of the promotion, coupled with the " too bad '' vibes I got from the supervisor. 
This is to say nothing of the surprise annual fee I was informed of *after* getting approved. The promotion plainly states, " {$0.00} annual fee, '' but apparently it 's based on credit worthiness, which is fine as long as they 're up front about it. Honesty and upfrontness, however, does n't seem to be Capital One 's strong suit.
Consumer complaint received 2024-09-25
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I lost my job in XX/XX/2024 due to layoff. My job field is undergoing lots of outsourcing to XXXX so it's harder to get back in. Capital one reached out via email and letters to settle my credit card debt. ( under XXXX ). When I lost my job, I called them to let them know and asked about a payment plan however the representative I spoke with said there is nothing they can do and I need to pay up. 

Today I called them since the last letter said that if I don't resolve it, they will send to collections. I called them to resolve issue and Capital One proposed an APR reduction plan for 6 months at XXXX $ XXXX month. On the phone it sounded a good option and I was under the impression that once completed, I would be good standing, starting at XXXX. There was no discussion that I will need to pick up the payments again or that I will have to pay off the debt once the XXXX period plan is over. 

I am hard of hearing and upon reading the email in detail, while on the call with the representative, I told her I don't agree to the terms. Because I was under the impression that 'good standing ' would mean that I won't owe anything back anymore as my effort to make the payment amount for the next 6 months would show them good faith on my end. 

She repeatedly said there is nothing they can do and they can not cancel it. 

There was no retraction/reflection period proposed and I requested if there was since everywhere we go, something like this is proposed in the financial world. 

Capital one got me with a manager because the representative was unable to cancel and he repeated the same thing that once the plan was accepted, I can not cancel. However, the 'I can not cancel once enrolled ' I don't recall hearing this on the call, otherwise it would have raised some red flags for me. 

I don't want this plan and what can I do?
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The account was charged off XXXXXX/XX/XXXX. The company has been reporting " XXXX  '' from then until XX/XX/XXXX and report shows a balance of XXXX XXXX continuously reported on my credit report when the account has been charged off. I asked for the tax form 1099c to prove they charged off the debt as a " loss and I would need to count it as income. I was told " we don't send those out ''. They are lying on my credit report or lying to me. Violation of FCRA Reporting Incorrect Information on my credit report.
Consumer complaint received 2017-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (GA)

I RECEIVED SOLICITATION FROM CHASE DUE TO MY OUTSTANDING CREDIT AND COMPANY NEVER TRANSFER THE BALANCE AND ALSO CONTINUE TO CHARGES ME INTEREST FEES THRU OUT THE PROMOTIONAL 15 MONTHS STATED AS ADVERTISED AND PROMISE NO FEES/ INTEREST ... IN WHICH IS VIOLATES OF ... DECEPTIVE BUSINESS PRACTICES, BAIT N SWITCH, VIOLATES TRUTH AND LENDING ACT, FCBA AND FDCPA '' ..ALSO I DID NOT RECEIVE ANY NOTICE IN TIMELY MANNER OF BILLING STATEMENT AS REQUIRED PER FCBA
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

So the credit card company not only jumped up to 32 % almost 33 % interest despite my very good payment history, but now I owe them less than {$5.00} on my account. But if I dont make the minimum payment within the due date they charge me {$40.00}. Okay, but the interest they are charging occurs on the next billing cycle. So even if I pay the minimum payment, i'm going to owe another $ XXXX {$2.00} on the next billing statement no matter what. The only option I have is to pay the amount and they wont accept payment of over 10 % more than the amount shown. Now, since my bank account is negative I have to purchase money orders and get mail signatures to make sure the letter is arriving ( because the other company takes 20+ days to receive mail just a few states over ) So now Capital One is going to be making aquisition to aquire certain monies and debt from XXXX, I feel that these banking practices are deceiving and plummiting me into further financial harm. This is similar to XXXXXXXX XXXX charging practices.
Consumer complaint received 2016-07-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently ordered and reviewed my Credit Report from TransUnion. During that review, I discovered a serious mortgage loan reporting error on their report from XXXX XXXX, as well as many other errors. These incredible inaccuracies are having a serious, negative impact on all aspects of my life : financial, professional, personal. 

On XXXX/XXXX/16 I mailed a complaint to TransUnion, certified mail. It was confirmed received by TransUnion on XXXX/XXXX/16. My complaint laid out my concerns, had attached all relevant supporting documentation, and asked them to investigate. 

It 's now been 4 weeks. I have no acknowledgement from TransUnion that my mailed complaint has been received. If it has been received I have no acknowledgement that it 's being worked on. If it is being worked on, I have no acknowledgement of an estimated timeframe to complete the research. In other words, I 'm totally in the dark ... still. 

Please investigate these matters and correct the disputed items as soon as possible.
Consumer complaint received 2017-01-25
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I had a legal dispute with America 's Servicing Company and received a judgment against them, in my favor. The company is still reporting missing payments even though the legal, federal judgement prohibits them from doing so. This needs to be corrected on both my XXXX and XXXX accounts.
Consumer complaint received 2016-12-07
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (FL)

FULL PRICE SHORT SALE XXXX - Seller XXXX - Buyer Complaint against OCWEN Bank Account number XXXX This has been going on since XXXX! 

Ocwen Bank has abused the Seller, XXXX, the Buyer, XXXX & XXXX, XXXX, Realtor and XXXX. Ocwen bank receive a full price cash offer and all requested documents 4 times. Ocwen bank keeps asking for the same documents over and over again. We have receipt that they have received the documents.
Consumer complaint received 2017-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CA)

I made my XX/XX/XXXX mortgage payment of {$1500.00} on XX/XX/XXXX, in the amount of {$1700.00} ( {$170.00} additional ) I made my XX/XX/XXXX mortgage payment of {$1500.00} on XX/XX/XXXX in the amount of {$1900.00} ( {$370.00} additional ), that payment noted as " additional funds received '' XX/XX/XXXX, my CitiMortgage history notes my XX/XX/XXXX payment not being made and a late charge of $ XXXXposted to my account history. 
This is not the first time my CitiMortgage account has had payment posting errors. Please contact CitiMortgage demanding that they correct my mortgage payment history to reflect the XX/XX/XXXX payment being made on XX/XX/XXXX, the {$69.00} late charge posted on XX/XX/XXXX removed, my CitiMortgage account history noted as current, paid in full as agreed, and a letter of apology from CitiMortgage to me.
Consumer complaint received 2016-08-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

Select Portfolio Services is currently servicing my loan with XXXX XXXX being the original mortgage lender. My mortgage loan was modified with the HAMP Program in XXXX of XXXX. I was on a plan to have gradual increases in mortgage payments over a period of 8 years to then have payments stay the same from years XXXX. I filed bankruptcy, Chapter XXXX in XXXX and now my bankruptcy has been discharged. Now that it has been discharged and the mortgage payments are currrent with no arrearages, Select Portfolio has sent me a letter stating that the " Mortgage has been referred for Legal Action ''! 

I am current with my payments and on many occasions the services has claimed that payments were not being made, or either the escrow was short even when I was in bankruptcy! I have paid on all occasions and have paid shortages when they have not been shortages. In addition, based on the modification schedule through the HAMP Program, Select Portfolio has increased the mortgage amount more than the scheduled amount that is due at the time of increase. I have had no luck in getting any remedy or help from Select Portfolio other than them continuing to misallocate my funds and threaten foreclosure when I am current and have been current and I have banks statements to show such. 

I need immediate help and it appears that Select Portfolio goal is to foreclose unlawfully when they are fraudulent in all of their actions to abide by the HAMP PROGRAM. 

Also this modification, states also that I am to give them a balloon payment of {$270000.00}. after year 27 when my new loan amount when the modification was done was XXXX. This doesnt even amortized correctly based on their numbers.l
Consumer complaint received 2016-09-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TCF NATIONAL BANK (TN)

I keep getting calls from Gateway One where they call my phone every day leaving voicemails asking for a person who i do not know. I 've told them they have the wrong number but they keep calling. They are violating the FDCPA by continually contacting me and I feel like the only way to stop it is to block them.
Consumer complaint received 2024-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION (TX)

I initiated a transaction from XXXX XXXX to Navy Federal in the amount of {$1400.00}. The transaction was sent back to XXXX XXXX. I turned around and sent {$1500.00} from my XXXX account to my Navy Federal Account. The money was never posted to my Navy Federal Account, but you can clearly see the money has been funded through my XXXX Account. 

Navy federal told me to GO TO SLEEP AND WAKE UP AND CALL BACK AFTER XXXX XXXX This was basically the response. I asked could they at least tell me why the first transaction from XXXX XXXX was returned? No response. Everyone wanted to get off of the phone instead of addressing my concerns.
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To whom it may concern, My name is XXXX XXXX I contacted Transunion, XXXX, and XXXX about a tax lien that paid off and after I paid it the Dept. Of Revenue still filed as a tax lien under Public Records to all XXXX credit bureaus. I disputed the Public Record as inaccurate to all XXXX credit reporting agencies. Documents verifying that my balance was deducted from my taxes in XXXX was provided with a written statement, and a a paid in full letter. The tax lien then was reported as paid. My issue is my balance was paid before the lien was even filed. I sent all credit reporting agencies my documents supporting my claim. Experian deleted the Public Record after reviewing my evidence of the error. Transunion, and XXXX still reflect the tax lien as a judgement. Today I called Transunion Tuesday XXXX/XXXX/XXXX @ XXXX and spoke with XXXX XXXX who stated she was a supervisor. I explained the situation to her. I informed to XXXX I 've been disputing this judgement for a year. She stated she does n't show any info where the balance was paid in XXXX. I asked how Transunion verified the judgement as being accurate she responded we verified it. I asked if it was verified what documents were you provided. I told her based on FCRA regulations I also have to receive evidence, especially if this public record is hindering my credit worthiness. XXXX stated she does n't have to verify anything and she was a supervisor. I asked because she seen the paperwork I sent verifying the balance was paid, did she see the other documents I sent with it. I informed XXXX I sent a letter hand written explaining my issue and a letter from Dept. Of Treasury stating the balance was deducted from my income tax refund in XXXX. XXXX said the information was in my file. I asked if she could read my written statement to verify it was received and she refused to answer my question without giving me a explanation of why. She was rude, and condescending. I was very upset and asked for her manager she hesitated to give me a name and said she had several managers. I said since you have so many please give me just one of their names she reluctantly gave me the name XXXX XXXX. I was very confused as a consumer I have the right to ask a credit bureau what is in my file to confirm it was received. I taken photo copies of the documents I mailed to Transunion. I hope this issue wo n't be the same with XXXX. Thank you for your time I 'm hoping I can get some results.
Consumer complaint received 2016-12-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (AZ)

I have loan from Sterns Lending and it started XX/XX/XXXX. I request them to cancel my PMI on XX/XX/XXXX since My LTV is XXXX %. I did not received any notification except that my case has been received and they will get back to me in 5 business days. after that no response. When I called the customer care then they said they are still working my case and they will let me know the decision by XX/XX/XXXX since it is very lengthy process then I asked then if they should be refunding my PMI money which by that time I have make two payments then She said I have to keep paying my PMI and it will not be refunded. I felt betryaed by them since in The email they said 5 business day for response and there is no information that this process will take 2 months of time. during the loan process I was told that I can cancel my mortgage when my LTV reaches XXXX %. But Now I have to pay extra 2 month of PMI because of their long time response. I am not even sure they will cancel my PMI. Probably they may ask for appraisal which would cost me more than paying the PMI.
Consumer complaint received 2016-11-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (CA)

Me and my wife leased vehicles back in XX/XX/XXXX both XX/XX/XXXX 's. The lease was up last year in XX/XX/XXXX, and we decided to purchase the vehicles. XXXX sent us paperwork that was wrong on several occasion. We thought things were fine until we got a letter from Ally stating we needed to pay a registration fee. The problem with that is the customer is never supposed to pay anything, except tag renewal and the monthly note. We received a late renewal from the XXXX in which we had to pay XXXX including late fees. We contacted Ally in XX/XX/XXXX of this year, and they gave us the run around concerning management. So we finally got Supervisor/Relocation/Title Transfer person named '' XXXX ''. She informed us she would check in to the matter and get back to us, we thought is as taken care of. I got sick and had major XXXX in XX/XX/XXXX in which I almost XXXX, and my wife got another letter from Ally taking about registration. My wife emailed XXXX in XX/XX/XXXX only to never hear anything from her, and we have not received anything from the XXXX in the mail about out vehicle registration. When I tried going online to renew bot vehicles they stated they were not found and application in process. Our tags expired in XX/XX/XXXX, and we have been dealing with me getting well from my XXXX. I do not have the money to pay big late fees in XXXX, we have the emails we will attach .We have never been late and always been on time with our payments.
Consumer complaint received 2016-08-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I want to file a complaint against Bank of America. I was a victim of fraud and the bank helped the thieves. An acquaintance of mine posted on XXXX a link about a secret shopper job. So I applied and was hired. 
They sent me by mail the first assignment and a check with the funds to do it. I had doubts about such an easy job, but I thought that if the check was valid it would be safe. So on XXXX/XXXX/16 I deposited a check for {$1800.00} into my bank account, and waited for the money to be available. After the bank showed the money in my account I asumed the check was clear, and it was safe to use the money for the job, so I withdrawaled it and used the money. 
On XXXX/XXXX/16 I deposited a XXXX check from the same job, and when I did so the balance of my account was off. 
After checking all the transactions from my account I noticed that on XXXX/XXXX/16 there was a transaction of return item for the {$1800.00}, the bank took back the money without any notice. I called them and found out that the check was n't valid. I asked them why did they acredited the money if it was n't valid and they said that they trusted me with handing them a valid check. 
This is not a matter of trusting their clients, it is their job and responsability to clear the checks before putting the money into people 's accounts making them believe that their checks are valid, and they could use the money. 
I withdrawaled {$1600.00} to do the assignment, because I believed that if the money was already in my account that meaned it was real and I had a job to perform as secret shopper. 
Bank of America failed in doing their job, which is protecting their customer 's money, and now after they realized that the check that I deposited was n't valid they just removed the money from my account, and told me it is my responsability to verify the checks. I thought I did that by depositing the check and waiting for them to validate it. 
Bank of America is helping the thieves steal their clients money, because they make their clients believed that they 've cleared the checks, when they have n't and the robbers must know this. I would n't have fallen in the scam if the bank had n't put the money in my account making me believe that it was all right to use it. 
They never let me know that I had to wait for a period of time to use the money in my account, after I deposited a check and they complete the transaction by showing the money in my balance. 
With this complaint I ask Bank of America to reinburse the amount of {$1800.00} to my account, as well as the return check fee. Also the bank needs to stop paying checks into an account without verifying it beforehand.
Consumer complaint received 2016-09-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rent Recovery Solutions (GA)

I contacted rent recovery about a debt on my credit report I requested the proof they emailed documents with different date for the application the lease as well as someone else personal info it shows month to month fee among others fees. And a signature that supposedly mine with no date when it was sign no signature from the other person name on the lease are the landlord signature this document 's are date agreement was executed.
Consumer complaint received 2016-11-03
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Ad Astra Recovery Services Inc (TX)

XXXX/XXXX/2016 XXXX XXXX CST A voice message was left for me on a ref contact number asking for location information for me by a XXXX XXXX XXXX XXXX ext XXXX. I returned the call and spoke with her and asked why they were contacting a reference after I asked for a cease and desist. She reviewed the account and could see the request and advised me she needed to have me speak with a supervisor. I ask why would I need to speak with a supervisor, she replied to verify the cease and desist. I did not get the mgrs. name but when he came on the line he asked what he could help me with I asked did the rep not fill him in and he stated he wanted to know from me. I explained that I have requested a cease and desist and wanted to know why they were calling a ref. He stated he did not see that request and I asked how if the rep stated she did? He said he only seen where I asked for no calls and so I asked then why are you calling a reference number? He stated he would place the account in a cease and desist status. The manager was slightly rude and I could tell he was eating which was gross and very unprofessional