davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I 've been banking with Bank of America for 7 years and never had any problem until XX/XX/XXXX. {$1400.00} was stolen from my checking account ( XXXX XXXX XXXX ). These were unauthorized withdraws. ... Incident took place in 3 different occasions ; XX/XX/XXXX as well as XX/XX/XXXX and or XX/XX/XXXX. XX/XX/XXXX, {$400.00} was withdrew at XXXX XXXX, XXXX NY. XXXX and or XX/XX/XXXX, {$200.00} and {$800.00} was also withdrew ( from XXXX XXXX XXXX Ny ). I knew about the incident through Bank of America, via a text message. On XX/XX/XXXX or XXXX, I got a text message from Bank of America saying that I should confirm a possible {$800.00} withdraw. I immediately replied to the text and alert the Bank about the fraudulent. The {$800.00} is suppose to be a 4th withdraw ... But, was declined because this unknown has reached my daily withdraw limit. 
I was asked to filed a claim which I did. 2 weeks after I filed the claim, Bank of America Fraud Department connected me. They asked what happened, I told them the truth. I told them that the debit card was in possession when the fraudulent activity occurred. I told them that I did not know who did it ( which is true ). I told them to pull the surveillance camera/footage ( all evidences are there ). Days after the phone interview, I got a letter saying that my case has been close ; that all transactions were posted correctly ... I was hurt. I was disappointed but I could't challenge their decision because my father was extremely sick at a time and all I care about was to keep my father alive. I took my father from one hospital to another but he later XXXX XX/XX/XXXX. XX/XX/XXXX, I lost my grandmother. XXXX XXXX I lost my job because I could't focus on the job.. I have been through a lot. I have lost a lot. I am not writing this letter to gain sympathy..I am writing this letter because I need my claim and case re-opened and properly investigated. It hurt that NO ONE from Bank of America Fraud Dept took some time to investigate my case.. Because if someone did, I would n't be writing this letter. I 'm kindly requesting that Bank of America pull the footage, survillance camera and pictures ( from the locations where all ATM withdraws occurred ) and properly review/ investigate my case. The debit card that was used to make these withdraws was n't mine. I was never in the area. No one else has access to my debit card or pin number ( I had my card on me when the fraudulent was going on. I am a victim of card skimmers. As previously stated, I have been banking with Bank of America for 7 years. I never withdrew money at XXXX XXXX and XXXX ; or XXXX XXXX. It will be greatly appreciated if the individual ( s ) involved are arrested for putting me through XXXX. No one deserve this. Lastly, I would like to see the footage of all withdraws that took place XXXX, XXXX and XXXX ( for the amounts stated above ).
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2017-01-28
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

At the end XX/XX/XXXX for the period XX/XX/XXXX to XX/XX/XXXX we had a balance due of {$54.00} on a Menards Big Card, hosted by CapitalOne. We paid that off by check on XX/XX/XXXX, which was cashed by Capital One on XX/XX/XXXX. 

That was the last we heard from Capital One until - the end of XXXX when we received a bill from Menards ( Capital One ). The balance due was XXXX, but they added a {$25.00} 'late ' fee, bringing the new bill to {$180.00}. By looking up the receipt online, I find we charged {$150.00} on XX/XX/XXXX. We never saw a XX/XX/XXXX bill for that charge. 
I do n't think the late fee was warranted, as we had NO record of owing Capital One any money. Regardless - We decided to pay the bill and be done with Menards and Capital One. So we paid them the {$180.00} through XXXX XXXX XXXX on XX/XX/XXXX, who sent it to Capital One on XX/XX/XXXX. 

Capital One claims to not have received that money until XX/XX/XXXX, although XXXX XXXX shows Capital One took it on the XX/XX/XXXX. 

Now ( XX/XX/XXXX ) we get our XX/XX/XXXX statement from Capital One, where they add another late fee of {$30.00}, plus interest of {$4.00} for a bill that WE paid off on XX/XX/XXXX. 

Checked with the CU, they sent it to the right account, and confirmed when CapitalOne Acknowledged getting the funds. 
Called CapitalOne, they were n't helpful only telling me the CU mailed them a hard copy check, which is what took so long. Cancelled the card and told them to send me a final bill. 

After lodging a complaint with Menards - CapitalOne gave us a refund on XX/XX/XXXX of the late fee 's and interest. My complaint stands however as part of this companies record.
Consumer complaint received 2016-06-13
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Clear Debt Solutions, LLC (SD)

They continue to call my work and I have asked 6 times to stop calling me at work. They have failed to listen. They stated that they have left me messages on my cell phone, but they never have. As soon as I spoke with them at my work number and asked them again to, stop calling here, I also told them I would try to call them this afternoon, they called right back on my cell phone.
Consumer complaint received 2017-01-29
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

I just requested a copy of my credit report to verify how everything looks as I am planning on changing my vehicle and noticed my credit score dropped more than XXXX points. I am completely frustrated and concerned about this situation. My credit report reflects XXXX collections and I have NEVER received a notification on any of them. This Collections company never executed XXXX. Validation of debts per it is required by the FTC. 
the Collections Companies are : 1 ) XXXX ; and 2 ) LAW OFFICES OF MITCHELL D BLUHM I must report a predatory action coming from this companies as I understand they are perfectly aware of this 30-day. I have excellent credit, no late payments in more than 6 yrs and now I have this companies doing this illegal action. 

I need this items to be removed from my credit report and also need evidence of what is this collections for.
Consumer complaint received 2016-05-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

TRANSUNION HAS REFUSED TO UPDATE MY CREDIT REPORT WITH XXXX AS REQUESTED TO REFLECT MY FULL CREDIT HISTORY. THEY HAVE COMPLIED WITH THE XXXX, BUT NOT MY AUTO LOAN WITH XXXX TRANSUNION ONLY REPORTING 4 YEARS OF CREDIT HISTORY WHEN MY CREDIT HISTORY BACK DATES TO 2002. PROVIDED PROOF AND STILL DECLINED TO ASSIST.
Consumer complaint received 2016-04-20
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I was attempting to pay off student loans held with XXXX on XXXX XXXX, while I had a payment auto-scheduled to draft for {$200.00} on the XXXX. I was instructed by the XXXX associate to have my bank, Bank of America, place a stop payment on the auto-draft amount thereby allowing the full payoff of {$9600.00} to go through. The BofA representative on the phone never read any disclosures, and clearly understood that this was supposed to be for a specific amount as I explained the entire arrangement. Consequently, both payments were rejected resulting in accrued interest and possible late fees from the lender. Subsequent attempts to resolve with Bank of America have been fruitless, as they claim I was read ( and that I accepted ) a waiver describing a full stop payment to a third party.
Consumer complaint received 2017-01-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Weinberg Mediation Group LLC (ME)

I have been contacted repeatedly by a collections agency trying to reach my ex-husband. I have told these people, politely and truthfully, that I am no longer married to my ex-husband and have not been for over twenty years, that he does not and never has resided at my current address, that he has never had my current phone number, and that I do not know his current address. I have asked them to stop calling. I keep getting calls, each time with a different XXXX or XXXX return number. I would like for them to stop. In the last call, the collector identified the XXXX. The numbers they have used are XXXX,XXXX, and XXXX.
Consumer complaint received 2017-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My Bank of America Travel Rewards Credit Card is set up to automatically pay the full due amount every month. It deducted the amount fine last month but apparently did not deduct the amount due this month on XXXX XXXX,2017. Because of this, I have been trying to call BofA to both pay the bill and to get the late fees removed. I should not have to pay late fees because the bank failed to process payment even though it is set up automatically to do so. Bank of America has one of the worst online banking websites I have ever used. I just want to add that. I have been calling and using chat to try and get these issues resolved. I have to say Bank of America has some of the most ineffective customer service personnel as well. I have finally had to resort to using CFPB complaint form as a way to get heard and to hopefully resolve this!
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (VA)

For roughly 5 months I have noticed that there has been an incorrct credit report in regards to an auto loan I had taken with navy federal bank in XXXX. Whenever I made a payment it would not reflect on my credit score, therefore stating that i owe more than what i did. On my credit report it would also state that the last update was done sometime in XXXX XXXX. Approximately 2 weeks ago, I had called navy in regards to this issue and they made no efforts to resolve this issue. It has bought my credit score extremely low, and other creditors have lowered my credit card limit because of my credit score. My credit score currently says I owe XXXX. But my account balance with my bank says I owe XXXX which is the correct amount. I would really appreciate an investigation on this matter. Thank you
Consumer complaint received 2016-10-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MT)

I am having trouble with my mortgage servicing agent which is now with Ditech. It has also been with Greentree and XXXX. The original mortgage was completed on XX/XX/XXXX. I got behind in payments in XX/XX/XXXX. In XX/XX/XXXX, I sent a payment of {$3500.00} in the form of a XXXX XXXX wire. The exact amount I was told to pay. I even called the morning of the payment to confirm that was the right amount. Approximately 2 weeks later, the money was sent back to me along with a letter stating that I paid {$400.00} to little and that we could no longer accept payments to this account and that I would sent into foreclosure if I could not pay another {$6800.00}. I 'm not sure why. I was willing to make payments, but was told by XXXX to stop making them. By XX/XX/XXXX the total to reinstate my loan was {$17000.00}. In fact they refused to accept any more funds unless it was the full amount. This included charges that were well above the {$1000.00} maximum fee as per Montana state law. I have been working with XXXX, Greentree, and XXXX XXXX services along with an attorney over the last 5 years trying to get some answers. I do n't understand what my options are and no one can explain them to me. My home is worth approximately {$320000.00}. My last statement is demanding a payment of {$470000.00} or else the house will be auctioned on XX/XX/XXXX. On Ditech website my account says I have to pay {$130000.00} to get current which puts the total over $ XXXX. So which is it? The original loan amount was {$370000.00}. I understand the house has lost value. I have spent more than {$11000.00} in attorney fees and I just spent another {$4100.00} with XXXX XXXX XXXX who claimed they could help me. I have been scammed by XXXX and am running out of time. This has ruined my credit and put me in a 4 1/2 year long financial lock down, not knowing what to do. I have made many calls with no response to Ditech. I have to the phone number and agent I am supposed to talk to XXXX XXXX but have gotten no response.
Consumer complaint received 2017-01-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

My private student loans with Navient. I have been trying to make long team payment arrangements. Over the last few years I have been paying my loans on time by automatic draft. I noticed even though I was on a approved payment arrangement. and paid on time I was being charged {$15.00} late fee on all my loans when I had the funds coming out of my account on time everytime. I called last week to have the payments stopped because I am in the middle of a lay off and I just cant afford to pay for almost {$980.00} a month in student loans payments. I work in the XXXX where I have to pass XXXX and I ca n't have any negative credit history. At this point I ca n't pay the amout they are looking for every month and I do n't know what to do. I called and have them stopped the automatic draft one my loans to give me time to try for a deferment or forbearance. Monies still were taking out of my account. I have been given misinformation and it seems something is wrong when my loan balance is so much more than I borrowed. I just want a payment plan I can make with out having to choose to pay my loans or buy food.
Consumer complaint received 2017-07-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

XXXX XXXX XXXX XXXX {$690.00} Lanier collection agency for {$300.00} for {$94.00} for {$120.00} for {$66.00} and for {$120.00} which was all paid by my insurance company so I do n't owe any collection agency anything. Plus I do n't I never signed a contract with XXXX XXXX XXXX or Lanier agency
Consumer complaint received 2016-12-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Credit Systems,Inc. (AZ)

I am submitting this complaint due to the nature in which National Credit Systems has attempted to collect on a disputed debt. This companies representatives have acted in an unprofessional manner in the tactics they have attempted to extort money from consumers. Upon getting a phone call from this company in regards to a debt they allege was owed, I requested documentation to determine validity of the allegations. I than received a packet of paperwork which appears to have electronic or non handwritten signatures. Upon review of these documents there is now an even further confusion as to why this company is attempting to extort this money. After reviewing these electronically created and signed documents I received another call from this companies representatives who verified I had gotten and had a chance to look over these documents. After I advised her that I had some serious concerns for what I received and did not agree with the balance or what they were alleging. At this point the representative appears to take this information as an opportunity to disrespect me and act completely unprofessionally by stating, " Well than we will just put it on your credit! '' and proceeds to hang up without me being given an opportunity to say anything additional. As someone who has XXXX I understand the pressure and desire to want to do well at XXXX. However, having XXXX in the past it seems counterproductive to just threaten to place something on someone 's credit and than hang up without any actual dialogue or discussion. Obviously this representative needs further coaching and development on how to handle the collection process also how to successfully conversate in a professional manner when conducting business for a company. Not allowing her personal feelings or opinions to get involved and taint the conversation. Im disgusted that the level of unprofessionalism and rude behavior is allowed and obviously condoned by National Credit Systems. This company should be investigated and audited for its unacceptable and atrocious treatment of consumers. Sincertainly the original rep hung up in my face is than called back and requested a manager at which time the receptionist refused to transfer. I advised that since this was the manner in which they conducted themselves in business that they cease and desist from any phone communication with me until I had an opportunity to file a complaint based on there actions. No company per the FDCPA can act in a threatening or unprofessional manner for the purpose of trying to collect a debt and unfortunately this company feels it does not need to abide by those same laws. Please investigate them for the manner in which they have attempted to conduct business.
Consumer complaint received 2016-06-22
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I sold my long-term home in  XXXX   XXXX  at the end of  XXXX  and sought to buy a condo in early  XXXX . The price of the condo was {$310000.00}. I was referred to Mortgage  Broker   XXXX   XXXX  a t Citizen 's  Bank to obtain a mortgage.  XXXX   XXXX  told me I did not qualify for a mortgage although I had sufficient cash from the sale of my home for a very large down payment. He offered to take out a mortgage in my name and to have me pay him the monthly mortgage payments and condo fees. I am not very sophisticated in mortgage matters and I trusted him and followed his advice. I gave him {$100000.00} in cash and he took out a mortgage for {$210000.00}. I thought the condo would be put in my name but instead it is in  XXXX   XXXX  's name. I have paid the mortgage and condo fees each month although  XXXX   XXXX  claims the tax benefits of the interest payments.  XXXX   XXXX  has threatened to evict me on several occasions as he no longer wants the mortgage in his name. I am of limited income and can not get a mortgage. I feel like I was taken advantage of  XXXX   XXXX  and  Citizens Bank,  as I am not even sure if he or the bank even considered me for a mortgage. Also,  Citizens Ban k and  XXXX   XXXX  should have advised me to put more money as down payment or even pay cash for the condo, which I could have done. At some point after the purchase of the condo  XXXX   XXXX  went to work for   XXXX   XXXX   as a mortgage broker. He provides me with   XXXX   XXXX   pre-paid envelopes and I send my monthly payments to him at   XXXX   XXXX  . I believe   XXXX   XXXX   should know what he is doing and he should be disciplined for taking advantage of me. I am a  XXXX   year old   XXXX  woman with health problems and limited income. The actions of  XXXX   XXXX , a licensed mortgage broker, and both  Citizens Bank and   XXXX   XXXX   have caused me financial hardship and  emotional distress. I feel like I was cheated out of owning my condo.
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I previously contacted XXXX regarding this account they have never resolved the issue after being provided proof. This account was forwarded to a collection agency. XXXX XXXX states that I owe XXXX this account does not belong to me.
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I previously contacted Transunion regarding this account they have never resolved the issue after being provided proof. This account was forwarded to a collection agency. XXXX XXXX states that I owe XXXX this account does not belong to me.
Consumer complaint received 2016-12-27
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I had made arrangements with a capitol one cc that I owed. I have made my payments@XXXX/mo that was XXXX more than agreed. Capital one apparently went against their word and had a judgement put against me in which I was never notified in any way. I just found this out on line and it was done in XXXX CT court. I was not notified and given my rights to defend myself. Now due to only collecting social security I am Far below the poverty limit. I feel this case should be reopened to where I am entitled to my federal and state law rights.I did put a dispute in with XXXX but they like always they are known to favor the company that is a hard known fact.
Consumer complaint received 2017-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America became my home mortgage loan servicer by assignment. My original mortgage servicer permitted automatic monthly payments. Bank of America only permits automatic monthly payments if the user sets up a Bank of America checking, money market or home equity line of credit account. This is an unfair practice. Such automatic monthly payment option is a standard and customary service and should not require the user to open a Bank of America account.
Consumer complaint received 2017-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ENCORE CAPITAL GROUP INC. (MS)

I received a letter and on XXXX XXXX I guess the XXXX XXXX left it on my door.I do n't have a job to make payments or do payment arrangements to send on this Credit Card and it s a old bill.