davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

having less than perfect credit I accepted a auto loan from capital on auto finance in XXXX 2011. at the time I was making fairly decent wages and accepted the loan terms of 25.99 % interested on a {$34000.00} loan monthly payments of {$480.00} per month however into my third year prompt and timely payments there was a decline in my health I contacted Capital One and asked about refinancing my loan and was told that they did n't refinance their own loans. soon after I was forced to retire early due to health issues and had to apply for SSI and of course my income was less than half of what I was making when I was working. I call Capital One and informed them of my circumstances and was told by a representative that I can apply for the hardship program and to qualify all I had to do was miss two or three payments unfortunately I took his advice only to find out that I would not be able to qualify until I paid down on the loan so I struggled along trying to make the {$480.00} payments. after another year I applied 4 times for the hardship program and each time I was told that I did n't make enough money to qualify even with may Son 's contribution of {$750.00} per month. this has been very stressful and I am doing everything possible to pay this off and maintain my health. DESPRETLY NEED HELP!!!!!
Consumer complaint received 2015-06-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I HAVE ITEMS THAT DONT BELONG TO ME THEY AREE A PRODUCT FROM I DENTITY THEFT I CALLED THE CREDIT BUREAUS THE AGENT BARELY SPOKE ENGLISH I GOT NO RESOLVE AND NO UNDERSTANDING OF WHAT TO DO. THEY TOLD ME I HAD TO CONTACT ALL THE CREDITORS MYSELF FOR THEM REPORTING THE WRONG INFORMATION.
Consumer complaint received 2015-11-25
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: CNG FINANCIAL CORPORATION (MI)

Being accused of check fraud for a payday loan that was n't paid. When the submitted my post dated check it came back as NSF and later when submitted my account was closed by the bank and so therefore they claim I 'm commiting check fraud by a closed bank account and I will face civil charges and go to jail.
Consumer complaint received 2015-06-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (WA)

I lived in a particular apartment building for approximately XXXX years. I moved out in XXXX of 2013, and in XXXX of 2013 I received a bill for rent covering a month I was no longer residing there. I contacted the property and they refused to work with me to resolve the issue. The property is no longer under their ownership and the collection agency has not responded to my dispute in approximately a year now. This is still on my credit report and is causing me great stress. I can not find a place to live due to this invalid debt. They could not provide me with a valid reason as to why I should pay them during a period in which I did not live there. Now that the property is under new management I have no way to settle this. My credit report still says that the debt has been disputed and yet no response or follow up. This has gone on far too long and I ca n't seem to get this removed and resolved.
Consumer complaint received 2015-06-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I am a XXXX in XXXX who has been banking with Bank of America since 2008 and found out today that they have been applying various 'maintenance ' fees on my account ( I think totalling more than {$200.00} ) that I was not alerted to. I believe they did not meet the minimum disclosure requirements of consumer protection regulation, and the maintenance fees is just another version of the overdraft fees that were clamped down on by the Dodd-Frank Act. They have repeatedly changed their fee structure across the years, and it is hard to keep track of how to avoid paying all these fees, especially if they are not your primary bank. I will be closing my accounts as soon as I can get my dispute with them settled ( I have opened a ticket ). However, I would like to know just how I can alert other consumers as to the unfair practices of Bank of America ( especially college students in small XXXX colleges who sign up for their free checking accounts without knowing of the future fees they will have to navigate ) as well as keeping track of Bank of America 's compliance with consumer protection regulation and other banking regulation such as SEC filings.
Consumer complaint received 2015-10-14
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (IL)

Rushcard was supposed to do an update Monday XXXX XXXX supposed to take a few hrs. They did n't even email me or I would have canceled my direct deposit. Now it 's weds. I was supposed to get paid tues. Come Thurs my car insurance will be canceled. I will be high risk because of them FOR LIFE.
Consumer complaint received 2017-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (TX)

My due date was on a Sunday ( XX/XX/17 during a three day weekend ( XXXX XXXX ) and it did not roll to the next business day. The chase bank branch near my house was closed both on Sunday and Monday. I have worked in Mortgage servicing for more than 20 years and we are required to roll any due date to the next business day when it falls on a weekend and I believe credit cards should as well. I believe not requiring a due date to roll to a business day is an unfair and unethical business practice. I was charged a {$25.00} late fee
Consumer complaint received 2015-05-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

I have Power of Attorney for owner of the property in XXXX XXXX, FL. As the XXXX representing the owner, I listed his property on XXXX in XX/XX/XXXX. Since that time I have tried to negotiate with Green Tree the payoff amount, at XXXX by phone and later by fax beginning XXXX XXXX. They promised to review the amount and respond to me within XXXX business days. I did not receive any reply. I continued to phone, fax, and mail them without any response. I received a XXXX letter XX/XX/XXXX and a XXXX letter XXXX XXXX again saying the same thing : " We are going to response .... '' The main thing about that is I have a buyer ready to close this purchase on XXXX XXXX. It is not right that the owner suffered these additional expenses due to Green Tree delays in response to my faxes, letters, and phone calls. My client is XXXX and XXXX. My client does n't have any condition to defend himself.
Consumer complaint received 2015-09-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: American Credit Acceptance, LLC (AZ)

The high balance amount on my auto loan has only been deducted by only {$1000.00} in the course of XXXX. My monthly payments are {$260.00} ; strangely enough, my balance has been fluctuating from month to month. I 've requested several times for the American Credit Acceptance to send me information/ documentation of the said balance on the auto loan and how my payments were applied to my auto loan of the course of the full loan. This company has failed to mail documentation after the XXXX of requesting.
Consumer complaint received 2015-04-02
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A. (MA)

Is there someone employed at XXXX XXXX that can give me AUTHORATIVE answers to questions I have pertaining to my XXXX/CitiMortgage Standard Modification Trial which was approved on XXXX/XXXX/15 by the servicer Citi? My approved rate they 've given me is 4.375 % for XXXX years with Citi also claiming no option to pay-down my {$20000.00} past due balance on top of my trial payments during the XXXX month period. I 've been getting the run-around by Citi on my right to get the standard modification published rate of XXXX ( clearly posted on XXXX ) and my right to pay down my past due balance during the trial period. These adjustments if considered and approved would each independent of the other save me a great deal of money when it comes time to calculate my final permanent modification at the end of the trial period. Local agencies such as XXXX XXXX or my local congress woman 's office have been no help because they lack authority on this matter.
Consumer complaint received 2015-05-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (FL)

As per your XXXX XXXX, XXXX, correspondence CFPB Compliant XXXX XXXX. My XXXX mortgage originated from XXXX XXXX XXXX to XXXX XXXX XXXX in XXXX. Then it was transferred to from XXXX in XXXX XXXX, to Green Tree Servicing LLC. Only a XXXX mortgage was in the aforementioned. There is no Florida Statue that state that XXXX or Green Tree Servicing LLC can create an alleged XXXX mortgage out of thin air. Then hold my XXXX mortgage hostage from being refinanced by another entity. However, there is a Florida XXXX XXXX XXXX, Statue Of Frauds, Fraudulent transfer ch. XXXX. Thus, this is not only Florida XXXX it is a XXXX XXXX. Because, You are trying to extort {$93000.00} across State lines from me. Thus, I demand you release my XXXX mortgage to be refinanced immediately. XXXX days from this memorandum -- I will turn this case over to the Attorney General Of The State of Florida and the FBI.
Consumer complaint received 2015-06-16
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (NJ)

This third party debt collector has been calling me in excess of XXXX times a day. I am currently involved in a payment plan with the original XXXX company regarding this bill. I have an XXXX and have tried multiple times to work with the bill collector previously to have this sorted out. When I answer the phone calls, the other line says " hello? Hello? '' over and over. It 's ridiculous! The number they are calling from is XXXX XXXX XXXX.
Consumer complaint received 2015-08-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: VIRTUOSO SOURCING GROUP, LLC. (OH)

a business called virtuoso sourcing group, llc is contact us regarding a disputed XXXX bill. they have called every day for the past XXXX weeks. we have made repeated requests to stop calling and all they say is they do n't have to stop. they often call more than once a day. 

we have advised we dispute the bill and will not pay and dont call yet they persist
Consumer complaint received 2015-09-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Data Corporation (CT)

This company 's representative lied to me upon signing the contract for the credit card machine. I have the contract but unable to attach at this time. It charged fees it was n't supposed to illegally and I was forced to close my checking accounts. Now almost 6 months later they sent me to collection stating I owe them money when it 's the other way around.
Consumer complaint received 2015-11-25
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I was issued a USAA credit card without requesting one. Now it is on my credit report. I call USAA to ask them to close and tell them that I did not open the account. I was put on hold and transferred 3 times. I finally had to hang up and try calling back. The Fraud Detection line, answered XXXX, said the wait time was XXXX hours. So I ca n't even find out how the account was opened or have them close it. The XXXX people I talked to said that they did n't have the authority to close the account.
Consumer complaint received 2015-08-04
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (GA)

I am a victim of identity theft. Barclays Bank Delaware opened an unauthorized credit card in my name using personal information. My credit report shows Barclays Bank Delaware made an unauthorized credit inquire on XX/XX/XXXX, then sent me a billing state for unauthorized charges totaling {$4.00}. The identity theft has been reported the XXXX Reporting Company disputing the Barclays Bank Delaware account was made on XX/XX/XXXX and a fraud alert has been placed on the account. I want CFPB to prosecute Barclay for fraud and theft and any other relief deemed proper.
Consumer complaint received 2015-06-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

My mortgage was thru Ocwen ( They took over my original GMAC Loan ). I sold the house on XXXX XXXX, 2015, Ocwen was paid off. I overpaid a mortgage payment. So they owe me {$2000.00}. I have been calling them, they keep telling me it takes time to process. Finally in XXXX, they told me they mailed out a check on XXXX XXXX ... .Never received it. have been calling all of XXXX an XXXX. They keep telling me to give it XXXX business days, that it is being re-mailed. I have repeatedly asked for it to be XXXX XXXX so it can be tracked. I was told to wait XXXX days just to see if they can XXXX. Now I get a call on XXXX XXXX, 2015, that they have wired the money to XXXX XXXX ... I have no idea who that is, so she wanted to research some more. Today ( XXXX XXXX, 2015 ) I hear I 'm sorry it has been wired to XXXX XXXX XXXX, and you will need to call them ... I have NEVER had a bank account at XXXX XXXX XXXX ... I told them I want my money, that what they are doing is not right! I have been waiting since XXXX for my money. I am closing on my new home in XXXX and need that money. I am a single parent and {$2000.00} is a lot of money for me.
Consumer complaint received 2015-06-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (TX)

I had an account in 2008 with XXXX and before leaving I paid and return and necessary equipment and now they are saying I owe them a bill. I do not owe them when I left the company I had a zero balance and they waited until now to report this inaccurate information on my credit file.
Consumer complaint received 2015-04-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (OH)

XXXX credit inquires on credit not getting resolved. My XXXX from me on XXXX XXXX and again multiple times on XXXX XXXX. I have calledthe companies multiples times to have them send over the request tocredit bureaus to take inquires off my credit because the companiesfound it to be fraud right away. I have sent all my paper work in everyoneneeded, disputed the inquires online with credit bureaus. The other XXXX bureaus have taken action and fixed the problem expect Equifax, Inc. They keep telling me they are not receiving any request fromcompanies. As of today XXXX XXXX still saying same thing. Need doneASAP past my time frame, ruining my life, and causing emotional stressit 's causing me.
Consumer complaint received 2015-10-23
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

This is my second complaint regarding an issue with Bank of America. I was not able to log in to check the complaint status or add more information. My 1st complaint # was XXXX As stated in that complaint it looks as though my doubts regarding BOA 's veracity were confirmed. After not receiving my new credit card and my refund in the timeframe promised by XXXX in the fraud dept. @ XXXX I made a second call to the same dept. and spoke XXXX on XX/XX/2015 She looked up my claim and said that it had been withdrawn. I asked by who and she could not tell me, only stated that it was an oversight and she would correct it. I am livid that a BOA agent supposedly working on customers concerns would intentionally mislead and lie to those customers. XXXX took all of my information which took putting me on holds for a total of XXXX minutes, assured me my credit for a fraudulent charge would be credited to my account within 24 hrs and a new card would be in my hands within XXXX hrs. It looks as though the minute she hung up she intentionally and with malice withdrew the entire transaction. After speaking with XXXX who assured me of the same timeframes I DID receive my new credit card but have NOT received my promised credit. Can the CFPB help me before I have to pay a lawyer to file suit against BOA, which I should not have to do. At this point I am looking at BOA as if they are furthering the fraud that put me in this position to begin with.
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I filed a complaint on X/XX/2017 # XXXX where a pay as agreed status appears as an adverse account XXXX XXXX XXXX. You had 30 Days to complete your investigation into this problem. You are now in violation of the FCRA and must delete the account immediately. Your company will be sued for violation and defamation in court if this matter is not handled in a timely fashion.
Consumer complaint received 2015-09-05
Product: Credit card — 
Issue: Delinquent account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

In XX/XX/XXXX I opened a retail line of credit at XXXX XXXX through HSBC Bank. In XX/XX/XXXX, as a result of obtaining a no-docs predatory loan which, and after being downsized at work, I could no longer afford and could not refinance due to the housing " bubble burst '', I was unable to fulfill my previous financial obligations to HSBC Bank, among others. I voluntarily had my home and car repossessed. In XX/XX/XXXX I moved XXXX for a new job. At no point after XX/XX/XXXX did I have any activity on any of my accounts, which was XXXX years ago last month, yet the derogatory report remains on both my XXXX and XXXX credit reports, longer than the XXXX years allowed by law. This account is too old to be listed and needs to be aged off. I have contacted the credit reporting agencies and they say HSBC has confirmed the debt is still valid and " meets FCRA requirements. '' This is incorrect. HSBC is in violation of The U.S. Fair Credit Reporting Act on this matter in regards to the age of this debt. There exists no evidence of activity on this account after XX/XX/XXXX. If HSBC can not provide this evidence, and I know they can not, they need to correct this with the credit reporting agencies immediately. 

Please note that this account has already been found to not meet FCRA requirements by XXXX credit reporting agency. The collection agency which HSBC sold this debt to, XXXX XXXX, has also been found to not meet FCRA requirements by all XXXX credit reporting agencies.
Consumer complaint received 2015-08-04
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (TX)

Hi, I enrolled in the American Express offer of spend XXXX+, get XXXX bonus membership points at XXXX XXXX XXXX XXXX XXXX of my American Express Cards . I met the requirements on all XXXX cards, but only got XXXX bonus points. I am expecting XXXX membership points.
Consumer complaint received 2015-06-17
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (GA)

Original amount of loan was {$21000.00}. I have been paying monthly amount steadily, yet current balance is {$24000.00} Interest is 5.78 % but seems to make no dent in amount of loan.
Consumer complaint received 2015-08-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (PA)

Good morning this complaint is a continuing of our Case number : XXXX XXXX XXXX my loan number with chase bank is XXXX for the property locate at XXXX XXXX XXXX XXXX XXXX, PA XXXX on file all documents are attached on this complain case number : XXXX as today and is been more than one month since we open this complain nothing has been resolved with chase bank a representative from the chase bank executive office name XXXX XXXX at the phone number XXXX ext XXXX did call me ones she request for me to send her prove of all the repairs and XXXX to the property located at XXXX XXXX XXXX XXXX XXXX, PA XXXX we did send it over 2 weeks ago via fax and email we fax it to XXXX also fax to executive office at XXXX also email to executive office at XXXXXXXXXXXX and no one 's have getting back to us to let us know that they received and working on this case when I call XXXX XXXX XXXX yesterday she told the assisted who answer the phone that she ca n't talk to me anymore because my case on executive office was close that after she talk to me ones she ca n't talk to me anymore she told me to contact our new negotiator on the loan his name is XXXX XXXX at the phone number XXXX ext XXXX wish I did call more the XXXX times and I have this call record on my XXXX each time I call XXXX XXXX he never answer the phone his voice message says he will call you bank within 24 hours and he never call back please note : each of my call to XXXX XXXX specified very clear to please only contact us at our Mobil number or office number wish is XXXX or XXXX because no one 's is at home during working hours after more than XXXX calls that i have recorded on my phone as proved still XXXX did call me only ones last week but to my home phone number during working hours I call this a malicious intention because he knows that no one 's is at home he did not want to talk to me he just want to make a phone call to a number register in my name that he knows no ones will answer but just too he can have on his record that he did try to contact me ones : what I call an insult to the intelligence of anyone please note I am attaching the invoices requested by XXXX XXXX I am also attached the letter send by her executive office where it say that she will get back to me no later than XXXX XXXX and as you may know she refuse to talk to me when I call yesterday and today XXXX days after the letter expire on XXXX XXXX 2015 we do n't have any answer for our short sale see documents attacked
Consumer complaint received 2015-09-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Lender refuses to provide a loan history. I requested it orally multiple times, and in writing several times. They refuse to provide. As one of their excuses, they claimed they provided a statement one and a half years ago and do n't need to now. Another excuse they use is they did n't recieve the fax, though it was faxed multiple times, with confirmation, to the various numbers they provided. Each time, they say they wo n't respond to an oral request, and refer me back to the fax request process that I 've done multiple times.