davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-11
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2017 my debit card was compromised with unauthorized charges. Bank of America notified me with a text alert. The card was immediately cancelled. However, on XX/XX/2017 they paid XXXX charges to the same " hacker '' - totaling over {$400.00}. I spoke to the fraud claims dept on XX/XX/XXXX from the office of a local branch manager and they assured me that my money would be back in my account on Monday, XX/XX/XXXX. The funds still are not in my account. I have spoken to at least 8 different people and they are always in a different state and always a " scripted '' answer!!
Consumer complaint received 2017-04-12
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I 'm filing a formal complaint against Capital One credit card I called Capital One last month at the end of last month pretending my payment is due in XX/XX/XXXX they did not tell me that if I make my payment on XX/XX/XXXX but I will have to make another payment for XX/XX/XXXX that information should not be correct on that making a double payment Capital One is giving out wrong information they 're trying to get over and they need to investigate it
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Some weeks ago I was visiting your site and pursued contacting the main three credit reporting agencies. I was sent correspondence from XXXX and TransUnion that I needed to submit documented proof that I live at my current address as I have since 2009. Yesterday, I received the attached correspondence from TransUnion that my current California Driver License, a XXXX Medical Bill, Department of Veterans Affairs documentation and I believe a utility bill. Apparently this is still not good enough and I believe TransUnion in particular just does not want to comply and provide me with a free credit report so that I might manage my own identity and credit protection. They seem to keep coming back with a lame excuse that what I am sending from their own criteria is insufficient to prove where I live. It has gotten ridiculous and frustrating. It appears if I pay them for it, there would be no problem. I keep getting jerked around and around. XXXX has not bothered to respond despite sending more that the proof documentation they require. XXXX seems just to have ignored my request all together as I have never heard back. Again, I made these requests through the link on your site. I do not know what the problem is other than this is nothing new as these people seem to wield some sort of arrogant power that does not serve the consumer. Especially when it comes to removing inaccurate information which impacts credit. On example, regards a closed child support case from years ago and showing it is still open. I wish there would be more regulation over this group.
Consumer complaint received 2017-04-13
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

My husband was paying on line and accidentally missed the decimal point. The bank took XXXX They also took {$300.00}. The {$300.00} was the correct amount. The error was noticed right away and the bank was notified over a week ago. They have not returned our money. They say they need to research it. This is almost all the money I have in this world. I can not live with no money and they are not returning it.
Consumer complaint received 2017-04-11
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (MA)

My checking account at TD Bank was overdrawn. I had XXXX transactions which totaled roughly {$30.00} ( they were small transactions ). I was charged {$35.00} for each overdraft for a total of {$280.00}. Subsequently, TD Bank removed one of the charges, so the total of the charges is {$240.00}. I called customer service and spoke with a representative and a manager. I asked if the fees could be reduced because this was excessive. The representative said that the charges were all legal, which they are. However, my point is the charges are excessive and predatory. I am a XXXX, trying to do the right thing. I work part time, ironically at XXXX XXXX Representative. I do not mind paying one overdraft fee of {$35.00}. But XXXX fees is excessive. 
This also happened over the course of 24 hours, so it happened very quickly.
Consumer complaint received 2017-04-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (SC)

I am having problems with my escrow account. The county overcharged for property taxes at the beginning of the year and Roundpoint paid the overage. As soon as I found out about the error in XX/XX/XXXX, I got a refund from the county and sent it to the mortgage company, which they added to the escrow account. The amount was the difference from which they would normally pay for my yearly taxes. Roundpoint then increased my payment by approx {$700.00} beginning in XX/XX/XXXX. I filed all the supporting documents and received email confirmation from them on XX/XX/XXXX. I was informed that it would take 30 days to investigate and correct the error. I called on XX/XX/XXXX to find out what the resolution was, and I was told that it was not done and to call back on the XX/XX/XXXX. I called back on the XX/XX/XXXX and was told they were not done and I was to call back the following day. I have called 4 times since then receiving assurances that emails were sent to escalate the case and I was even told that on XX/XX/XXXX that I would be receiving a call back from the supervisor, that never happened. I am constantly told by customer service that there is not a supervisor to talk to and that I have to wait for them to contact me.
Consumer complaint received 2017-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Kinum, Inc., Indianapolis, IN Branch (NY)

Kinum collections called me at work to inform me of a debt that my spouse owes..Badgered me about my personal life and how I carry out my business, and commented on my character. XXXX XXXX also commented about a recent vacation that my wife went on, telling me that he has also been watching/stalking her XXXX page. 
I find this out of character and unprofessional.
Consumer complaint received 2017-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

My XXXX home loan was just sold to SLS in XX/XX/2017 while in the process of trying to obtain a loan modification. SLS demand the same loan modification documentation again which have been provided on numerous occassions. Last week I received a threatening foreclosure notice from SLS while my loan modification review is still pending. SLS is not allowed under federal law to engage in dual tracking - which is beginning foreclosure proceedings while at the same time processing a loan modification request. I have called them to complain but received the run around. They have a horrible customer service. SLS has refused to abide by the CFPB 's new guidelines and failed to bring its system for processing loan modification applications into compliance.
Consumer complaint received 2017-04-12
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: Bread Financial Holdings, Inc. (FL)

In Late XXXX, I learned via email that my Victoria 's Secret credit card was closed. I called to dispute the reason for closing and was advised by a Supervisor that the account closed appropriately and there was nothing I can do. The issue that brings this dispute followed later, I received a letter from Commenity Bank, the Bank for Victoria 's Secret credi accounts. The letter states " We are responding to your request for a credit line increase. We obtained and reviewed your credit report and unfortunately because of your credit performance we are unwilling to increase your limit at this time. '' Well here is the major issue, I DID NOT request a credit increase on this closed account and furthermore DID NOT give permission for anyone to do so. After speaking with that Supervisor in late XXXX, I was NOT given any inclination that an attempt to review or restore the account was going to take place. Federal law requires a creditor/merchant/lendor to obtain consent prior to obtaining a hard credit inquiry for determination on extending credit.
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

I 've requested my credit report from Experian and received it. Upon review I noticed many discrepancies. I 've reached out to the companies listed and informed them about the information listed on my credit report. They do not have the information being reported by Experian in their records and informed me to contact Experian to dispute. I have sent 2 letters to Experian in regards to a claim to make the change and no response. I am also unable to dispute online and receive a message that I can not dispute online. I do not have my complete report number in the credit report sent by Experian and I am unable to complete a dispute online with my personal information or entering a credit report number. The contact number Experian has, is automated and only for requesting a copy of your credit report. No live representative option is given for disputes.
Consumer complaint received 2017-04-13
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (MI)

I have been receiving multiple phone calls a day, from Sears / Citibank. I 've reported them a couple of months ago, but they still call me from a different number. The phone calls are extremely stressful and keep kicking my XXXX into full gear. The calls are roughly 2 - 3 hours apart, and are all robo calls. Per the Federal Trade Commission, debt collectors are to not " repeatedly use the phone to annoy someone '' as this is harassment. I 'm getting extremely sick of Sears / Citibank 's collection practices. I understand I owe a debt, but I definitely do n't need to be reminded of it multiple times a day, every M-F! I 've attached the phone call log from mid XX/XX/XXXX to yesterday. I 've also attached a snippet from the FTC stating collectors may not use the phone for repeated phone calls.
Consumer complaint received 2017-04-13
Product: Credit card — 
Issue: Application processing delay — 
Company: CITIBANK, N.A. (MD)

I am XXXX, full time employed $ XXXX per annum with CREDIT score of XXXX. My father had Citi thank you preferred credit card, i was an authorized user since XX/XX/XXXX. He died XX/XX/XXXX I closed his accounts and credit cards. This was about 15 months ago. 
I want to start travelling again. I only have XXXX. I have been turned down by Citi, XXXX and XXXX. Either for my age or for closing a credit card within the last 24 months. I need XXXX and XXXX now to prepare myself for a visit to XXXX and XXXX, staring XX/XX/XXXX. Can you assist me?
Consumer complaint received 2017-04-12
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Advance America, Cash Advance Centers, Inc. (AL)

First of all I missed the call and they left a message the lady was speaking so fast I really did n't understand her I had to play it over and over. So finally I give them a call back. And she tells me I owe a payday loan back from XX/XX/2011 and if I do n't pay it they will file a lawsuit against me. She was very nasty and ugly. I am XXXX and on a fixed income. This happened 6 years ago. And this was this first time me evening hearing from such. I felt as if she was harassing me and fast talking me
Consumer complaint received 2017-04-11
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I was incapacitated recently and spent quite a bit of time in the XXXX and dealing with XXXX issues. Because of that, I was not as attentive to my other affairs which included my usual check of my credit card status. I noticed two charges on my card that I could not understand and contacted the Bank of America VISA offices for an explanation. We send funds on occasion to someone in a XXXX through a company called " XXXX ''. We expect to pay a fee for this service [ XXXX or XXXX dollars per transaction ] but we did NOT expect our credit card company to stack two additional fees for this transaction on top of the XXXX charges. The fees were called " Minimum Interest Charge '' and " Cash Equivalency Fee ''. Having heard of neither before, I inquired as to what these charges were based. Evidently, as best as I could understand the convoluted explanation, I had in essence given " cash '' to the person who received it and therefore had to pay a " Cash Equivalency Fee '' of {$10.00}! I maintained that I had purchased a " service '' from XXXX just like I would have done at a doctor 's office or barbershop, but NO, B. of A. does n't see it that way. When I inquired about the " Minimum Interest Charge '' of {$1.00} I was told that it was interest on the " cash '' I had supposedly given to the recipient! Consequently, our gift of {$50.00} had now cost us {$68.00}! Even though I process a significant amount every year through this VISA card they refused to remove this unfair practice from my account. I think this type of fee is one of the reasons for the existence of the CFPB and I wanted to protest this sort of usury by the Bank of America. I will be happy to assist in any way necessary to correct this unfair practice. Just a few years ago, when we would participate in a phone call to this person, we had to pay {$12.00} for a 20 minute call. There were so many complaints about this abusive practice that the situation was addressed and now it costs less than {$2.00} for the same call. If the CFPB had a hand in that change, I applaud your involvement. I think that my issues with B. of A. are equally as abusive. Thank you for your work.
Consumer complaint received 2018-04-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

In XX/XX/XXXX when my loans became due from Navient they wanted me to pay {$1400.00} a month and with my income there was no way I could afford that. I asked them to extend the amount of years for repayment and they said no, instead they gave me a Rate Reduction Program for 15 months and reduced my interest rate and made my payment much lower. I still struggled as I was paying out {$1100.00} a month in student loan payments. I received an email in XX/XX/XXXX stating my Rate Reduction Program was soon coming to an end and if I wanted to extend it to fill out financial paperwork and request the extension. I filled out the paperwork and I called in XX/XX/XXXX to extend the program and they said I couldn't do anything until the Rate Reduction Program actually ended. I was told I had to wait until XX/XX/XXXX when my new billing cycle came out. When I received my new bill for XX/XX/XXXX after the Rate Reduction Program ended I also noticed they increased my interest rates to a much higher rate then when I got the loans. I called Navient on XX/XX/XXXX and inquired about extending my Rate Reduction Program. I was told I did not qualify because I do not have a bad mark on my credit report and because my credit is good I don't show financial hardship. I told them if they look at my income and the amount they want me to pay monthly on top of the other student loans I pay I do show financial hardship. Their only answer is for me to find another company to refinance my loans through. There isn't a company out there that will give me {$140000.00} loan based on my income. It makes no sense to me that they would want to ruin my credit ( after I have faithfully paid my payments in the program I was in ) before helping me. My defaulting on these loans doesn't help anyone. My circumstances last year were no different from this year and I qualified for the Rate Reduction Program. There has to be a better system for Navient to work with people who want to pay back their high balance loans but can not afford the ridiculous monthly payment they want.
Consumer complaint received 2017-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (LA)

My direct unsubsidized consolidation loan was paid in full in XX/XX/XXXX, and I received a confirmation letter on XX/XX/XXXX from Fedloan Servicing stating that the loan was paid in full with a zero balance. My account was signed up for direct debit, and no further transactions posted after that time. Then, on XX/XX/XXXX, I received a letter that the account was in delinquency for 150 days with a balance of {$62.00}. The letter also stated that each nationwide consumer agency " has been notified of your late or missed payments ''. How can this be allowed to happen?
Consumer complaint received 2017-04-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (TN)

I disputed my auto loan account, Santander Consumer USA ( XXXX ) with XXXX, XXXX, and XXXX due to the fact that the status updated is reporting inaccurately ( XX/XX/2016 ). I have also reached out to Santander in regards to this matter. Santander has failed to correct the inaccurate information reported on my credit file which is a violation of the FCRA.
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX   XXXX / XXXX / XXXX  DOB   XXXX   SSN Report #  ( r eport enclosed ) Attention :  XXXX ,  XXXX ,   XXXX   I have recently acquired my Credit Report. After carefully reviewing its contents, I have found some inaccurate information that the credit report details.   Item Disputing :  XXXX   XXXX   ( REF  #  XXXX  ). This is not nor has ever been my account. This has caused me financial harm, please delete immediately.   Please investigate the accounts listed, under the provisions of the Fair Credit Reporting Act  ( FCRA ), 15 USC section 168li.  A period of 30 days shall be " reasonable time '' to investigate the accounts in question, unless you notify me immediately otherwise. Failure to verify the above information within the 30 day time period constitutes " non-verification '' and the accounts in question must be immediately removed from my credit file and credit report according to  15 USC section 1681i ( a ) Also, 15 USC sections 1681i ( d ) and 1681j o f the Fair Credit Reporting Act require that I receive written notification of the updates, an up-to-date credit report ( at no charge ), and that an up to date credit report be sent to anyone who received my credit report within the last six months.   If you have any questions regarding this matter, or, if you are having any difficulties completing this task, please contact me using the above information.     Please take note and govern yourself accordingly. Thank you for your cooperation.   Sincerely,  XXXX   XXXX
Consumer complaint received 2017-04-12
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have called Capital One twice to understand how my minimum payment is calculated. I have experience with credit card calculations since I use to work for a local bank where I handled credit card openings, closings, payments, system issues, etc. So, my knowledge of the subject is very extensive. Here is my issue with how they say the minimum payment is calculated : 1 % of your principal balance, plus fees and interest, the 1/12th of your annual fee ( if you have an annual fee ). Yet, they apply the payment differently. They apply the minimum payment as : principal, interest, and " fees '' ( if any ). They have said that 1/12th of my annual fee that they required to be a part of my minimum payment is actually being applied to the principal balance. This is in favor of the customer but is misleading since I still will have to pay the full annual fee when it comes due. If a company 's minimum payment requires 1/12th of the annual fee to be calculated into the minimum, then that 1/12th of the annual fee should apply to the annual fee. I have confirmed twice that it is n't going towards my annual fee. I have tried to get something in writing on " how the minimum payment is calculated '' but they only send me my " current terms '' and " agreement '' which does n't include how the minimum payment is calculated. I still have what they sent me in my possession. So, I can not get a confirmation in writing that this is truly how it works. My concerns are : is my payment truly being calculated as they say, is my payment truly being applied as they say, it seems unfair and misleading to those credit card customers who do have an annual fee to have a minimum payment include their annual fee yet still responsible for the full annual fee at a later day, it 's also unfair that a credit card consumer with an annual fee has a higher minimum payment calculation than those that do NOT have an annual fee ( most with an annual fee are rebuilding their credit and have a limited income ), should n't how they calculate their minimum payment public knowledge and/or in writing where it is easily accessible?