davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-22
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (OK)

My complaint is against XXXX/Mellon XXXX and involves both the the posting of information about balances on XXXX accounts ( by XXXX ) and Mellon 's assessment of overdraft fees. On XXXX XXXX, 2016, I wrote a check to XXXX, which reduced the balance in my account to XXXX. The balance as posted on the website was {$11.00}, and I wrote the check for this amount. The check was returned by Mellon on XX/XX/XXXX, and I was charged an overdraft because in the interim, I was charged a service fee. There was no posting of this fee on the website on XX/XX/XXXX ; nor was there a notice that this fee would be charged. The bank posted no dates on when service fees are charged. According to the bank, service fees are charged at the end of the month ; this was the beginning of the month, so I assumed my balance reflected the most recent service charge. I phoned in a complaint to XXXX ( XXXX ) ( # XXXX ), which forwarded it to Mellon. XXXX days later, on calling, I learned that Mellon had denied my request to cancel the overdraft fee and levied a second fee, while my complaint was being processed! I now owe Mellon bank {$44.00}. XXXX in overdraft fees. In short, XXXX. Mellon/ XXXX XXXX does not run a transparent website for check-writers. It 's impossible to ascertain when Mellon 's fees will be assessed ; XXXX. Mellon continues to assess overdraft fees while case numbers ( i.e., complaints ) are open.
Consumer complaint received 2017-03-24
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: Reliable Credit Association, Inc. (WA)

The guy claimed to be from reliable or pursuing the debt from reliable, saying he was at one of my references addresses trying to deliver legal documents for a civil court matter regarding my debt. I told him, I spoke with someone about this matter already, I have had numerous threatening AND harassing phone calls to friends and family and my employers and this needed to stop. He said he had the right to pursue it and told me if I do n't pay this debt right away and acknowledge what I owe then he was going to wait for me at my job and hand deliver these documents and I would have no choice but to accept. I told him this is a debt NOT criminal and for him to be harassing me at my job is unacceptable. He said he would see me at my job and we hung up.
Consumer complaint received 2016-04-18
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: iFreedom Direct Corporation (TX)

I had spoken with XXXX XXXX of jFreedom Direct about a possible mortage and i told her i had a collect that i was working to have removed. She told me she wanted to get a copy of my credit report from all XXXX bureaus. I told her no. I again told her about the collection account and how i had to give them at least 30 days to respond. She aggreed to wait and we ended the call. I have credit monitoring and i was shocked when i received an email that XXXX had run my credit. I contacted them as i had never heard of this company. And never gave anyone permission to obtain my credit file. They gave me the name, address and phone number of a person named XXXX at iFreedom Direct who requested the report. As i have never spoken to this person, i called XXXX who admitted that there was indeed a manger named XXXX with her firm. She claimed that no one at iFreedom DIrect had run my credit. She called me later claiming she had a CSR from XXXX on the line to 'prove ' that they did not request my credit report. I told her when she got XXXX on a conference call then call me back. I have not heard from XXXX or XXXX. I never gave her permission to run a credit report. The address and phone numberof the iFreedom Direct person I was working with and that requested my credit file is : iFreedom Direct. XXXX XXXX XXXX XXXX, CA XXXX. XXXX
Consumer complaint received 2017-01-27
Product: Debt collection — Mortgage
Issue: Communication tactics — Called outside of 8am-9pm
Company: JPMORGAN CHASE & CO. (CA)

I was woken up by a call from Chase this morning at XXXX am XXXX. 

On XX/XX/XXXX, XX/XX/XXXX I have submitted XXXX separate loan assistance applications to JP Morgan Chase. My condo is located in XXXX, Illinois. 

I received an additional request for documents on XX/XX/XXXX from the Loan Assistance dept XXXX XXXX XXXX, my SPOC. I complied with this request. Since then they have been requesting for additional documentation to delay and deny assistance, every time a slightly different request only over the phone but without putting it in writing. 

I have sent the bank XX/XX/XXXX, XX/XX/XXXX Tax transcripts with full Schedules that indicate negative capital gains, negative negative rental income and negative business income on a business that has been disssolved as of XX/XX/XXXX. I have sent them my condo rental agreement. I have sent them my bank statements. I sent them my food stamp award letter. 

I have had no written request for any other documentation from XXXX since XX/XX/XXXX. On XX/XX/XXXX I sent XXXX a written request for forbearance, which she has ignored. I had informed XXXX in writing of my likelihood of default but she did not care. 

Via a letter dated XX/XX/XXXX from the Executive branch they requested the following documents : 1. Two months transaction history ( EBT ) for proof of receipt of food stamps. 
2. One month bank statement for all stocks and bonds. 
3. Tax return from the previous year, including all schedules or other proof of business failure. 

I believe I have submitted evidence of hardship. I have no net-income producing assets at this time. This is self-evident from my Tax transcripts. The request for 2 months of XXXX transactions is humiliating as well as offensive and discriminatory and a violation of my personal privacy. 

XXXX before XXXX California PST, I was disturbed by Chase calling about my loan. I spoke to XXXX XXXX who works in the loan assistance dept with XXXX. 

I asked to speak to the Supervisor and they escalated my call to XXXX XXXX. XXXX then transferred me to XXXX XXXX in the Collections Dept. 

XXXX told me that since I have not paid my mortgage payment for XX/XX/XXXX, I will keep getting harassed for payments. His conduct was very threatening and obnoxious. I told him XXXX had ignored my request of XXXX XXXX, XXXX for loan forbearance and he should follow up with her. He created Case # XXXX. 

I got a call back from XXXX this morning XX/XX/XXXX. XXXX once again is demanding documents but a completely different request from the one communicated by the Executive office on XX/XX/XXXX and she has a whole bunch of reasons for this request and a new request every time I speak to her. 

However, XXXX makes new demands for documents over the phone but she says that it is not the practice of the bank to put such requests in writing. If XXXX has a legitimate request for documents she needs to put that in writing. 






I sent a letter to Chase to my SPOC on XX/XX/XXXX requesting a forbearance. They have n't responded back to me.
Consumer complaint received 2016-05-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: HEARTLAND PAYMENT SYSTEMS INC (NC)

I noticed a purported debt on my XXXX credit bureau reported by the US Dept of Ed. The item the report indicated an opening date of XX/XX/XXXX, XXXX years after I took any college courses. I contacted the phone number in the report, and received a bill from ECSI which alleged that I owed them money from XXXX Perkins loans. The bill sent to me by ECSI ( the first one I ever received from them ) indicated a " last payment '' date of XXXX/XXXX/XXXX. I have n't made any payments on any student loans since XX/XX/XXXX, when I paid off all my student loans to another creditor ( and have never made a payment to ECSI ). I disputed the item with XXXX and in writing to ECSI. ECSI responded with promissory notes that totaled less ( {$1500.00} in the promissory notes vs. {$2500.00} in the bill the sent me ) than the amount of the purported debt and were from XXXX years prior to date ( XX/XX/XXXX ) indicated in the XXXX report. The same XXXX report shows the student loans opened by me when I was in college were paid in full with no missed payments to another creditor. I believe ECSI is erroneously attempting to collect a debt I 've already paid to another servicer.
Consumer complaint received 2016-09-07
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

I am a member of USAA, and have been for over 3 years. I recently was forced to obtain a new chipped debit card, and since I have received it there has been too many problems to count. USAA is placing fraud holds on my account multiple times per day, requiring me to call them repetitively daily after most of my transactions. I have asked is this hold being placed manually or automated, and was told it is automated. The last straw was on XXXX/XXXX/2017, I made a few purchases, and my car broke down that morning. I have kids and work, so I needed a rental ASAP, when arriving to enterprise they tried to process my transaction and it declined. I then called USAA and stayed on the phone with them over an hour trying to fix the cause of the problem, which they stated was because of the transactions, I placed earlier being fraud. I told them it was me, and when the card was reactivated enterprise said they could n't use my card any more because it was declined. I then had to transfer money to another account, and pay USAA a XXXX transfer fee. Even though this whole issue was their fault. I then later needed to pay my mortgage on that day, and when trying to pay it online through XXXX, was declined again. I called USAA and was given the run around for about an hour, after all the hassle they still did not help me. I was unable to process my transaction, causing another fee with my mortgage company. I think it is a disgrace when someone has the money in their account, and in times they really need it are constantly being blocked because of a flawed automated system. I have never been with a bank that blocks my card after use like this bank does. I should be able to access and spend my money any way I wish. This is a problem for me because I handle alot of bill paying online, as well as other transactions. I have to call them at least 2-3 times a day since I received this new card to reset it because it keeps saying fraud.
Consumer complaint received 2017-05-31
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. (TX)

This account is  a Private Student Loan a ccount that was originally through  XXXX . The account was opened on or around  XXXX / XXXX / 2008 . The outstanding balance currently reflected is for {$19000.00}. I hired a consumer attorney to represent me for this account. After certain information that I have provided,  XXXX  deemed that I was no longer liable for this account.   XXXX   and  XXXX  have already been updated, they have removed the  XXXX   XXXX   XXXX  account from my credit reports, however, Equifax has not removed this account. I have disputed this account several times on Equifax, and each time, they respond with the creditor has validated this debt. I have called  XXXX  several times and talked to several people, including supervisors, and no one knows what to do or whom to talk to, and apparently does not have record of THEIR ACCOUNT.  XXXX  directs me to contact  XXXX   XXXX   XXXX   (    XXXX   ). I have called  XXXX  several times, and have spoken to several people, including supervisors, and they have no record of my account.  XXXX  directs me to contact  XXXX , as they are the ( only -  XXXX  is NOT ) lenders reporting on my Equifax credit report. The numbers that I have tried are  XXXX  (   XXXX   ),  XXXX  ( old  XXXX   XXXX   XXXX  line - which no longer works ),  XXXX  (  XXXX  - this is for Federal Student Loans ). In other words,  XXXX  and  XXXX  are pointing their fingers at each other, and I am just the man-in-the-middle ( the one whom is suffering from this dilemma ). This is very frustrating, and it should be something very simple to accomplish. I am no longer liable for this account, whom do I need to talk to?
Consumer complaint received 2017-01-27
Product: Debt collection — Auto
Issue: Communication tactics — Called after sent written cease of comm
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA)

I received a call today from this lady I believe her name was XXXX. She made me feel extremely inadequate like i was a liar and that I had no rights. We first spoke XX/XX/XXXX and set up a payment arrangement to get this debt payed off. I told her that {$450.00} a month was all that we could afford and that I would try, key word try, and get something to her when I received my tax return XX/XX/XXXX. We were contacted by this lady again when she called XX/XX/XXXX to ask for a larger sum of money. I told her we had to take care of a bug infestation in our home ( bed bugs ) and that I would not be able to give her more than the promised monthly {$450.00} that we had agreed upon at the XX/XX/XXXX. She told me that would not be enough and said that she would be making a judgment against me. XX/XX/XXXX she called and stated that I had done nothing about my collection debt and that this is all my fault that we are where we are. She stated that I could have come up with money to pay this debt and that I needed to come up with {$2800.00} within a week and {$650.00} a month so that they would stop the judgement. I told her that was not possible and that is what I was trying to do back XX/XX/XXXX. If she had given me the 5 months between XX/XX/XXXX and XX/XX/XXXX to come up with the {$2800.00} that it would not have been a problem but that last time I spoke to her she made it seem like a lower payment was not an option. This most recent time she called me this morning XX/XX/XXXX she stated that I stuck my head in the sand hoping this would go away. That I never spoke to my husband about any of the decisions and kept him in the dark when I had not. She called me irresponsible and selfish to quit my job to be home with my kids. She told me that I am the one that has been unresponsive when it comes to working with them. She told me that I have until XX/XX/XXXX to come up with something and she does n't care if it means that I ca n't buy food or pay my mortgage because I am at fault and was not willing to work anything out with her, when I tried working something out with her since XX/XX/XXXX. I told her as a consumer XX/XX/XXXX that she is not allowed to contact me any longer and that I had felt attacked and she still proceeded to contact me. She called me a liar and told me that my sob story will not do me any good and that she really hopes that I have to go back to work because of this and that again I was irresponsible and selfish to quit to begin with.
Consumer complaint received 2016-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I started school XX/XX/XXXX and took a leave XX/XX/XXXX and never went back until XX/XX/XXXX.I got access to my Student Portal where I noticed a disbursement of {$4400.00} that was suppose to go to me but I never received.During that time our remaining Financial Aid Money would be deposited to a Bank of America Prepaid Cash Pay Card.I brought it to my schools attention and they began investigating trying to locate the money and find out what happened to it.Like I mentioned I was n't aware of that disbarment because I took a leave XX/XX/XXXX and did n't go back until XX/XX/XXXX.It took the school a while to give me answers, they eventually contacted Bank of America to try and get some answers and all they sent thru an email was a statement showing that there was a deposit made on XX/XX/XXXX in the amount of {$4400.00}, that 's it.My school went ahead and replied saying that we were actually trying to find out what happened to the money, how was it used or spent because I never touched it, so again they replied with a short answer saying Student used all funds, which in fact I never did.They did n't provide any information about how it was used, spent, was it withdrawn? Used somewhere? Nothing! I want to find out what happened to that money because I never saw it or used it. This has caused me a lot of XXXX, XXXX and XXXX. Bank of America had agreed to send me all statements from XX/XX/XXXX to this current day.They emailed me but only sent XX/XX/XXXX-XX/XX/XXXX to current day.I could n't file a complaint or even dispute it cause according to them its been more than 365 days which I understand but there has to be records of how the money was used and who used it because obviously to withdraw that amount of money an ID is required. I had my card in a safe place so there was no chance for anyone to have used it. Also Bank of America mentioned that if the money does n't get used in certain amount of time it gets returned to the sponsor which is my school and the school stated that they never received anything. I please ask that you help me, I want my money and I want to find out what happened to it. Thank you so much and hope to hear from you soon.
Consumer complaint received 2021-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (MA)

My my wife was notified that her employer had two data breaches with in a year. She was notified XX/XX/2021. Upon reviewing credit cards XXXX  XXXX XXXX and Discover were listed on my credit report. Upon calling both credit cards companies to inquire about the credit cards on my credit report I was unable to resolve the issue. I requested the application and statements pertaining to both accounts. I did not receive either. I made a police report with the XXXX MA. Police Department report # XXXX. Both my personal checking accounts which are XXXX XXXX  and XXXX XXXX XXXX were also compromised with fraudulent activity. I closed those checking accounts after going to both banks. 
XXXX XXXX  had a fraudulent transactions. XXXX XXXX XXXX an attempt was made to purchase items. With no resolution from XXXX  XXXX XXXX and Discover I sent both companies a certified notarized letter requesting that both XXXX  XXXX XXXX and Discover verify this accounts on XX/XX/2021 neither company yet to respond to documents to validate my response with in thirty days. I will request a dispute with all three credit bureaus with a security alert in place.
Consumer complaint received 2017-01-27
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

PLEASE NOTE : ITS A NEW COMPLAIN. ANOTHER FALSE CLAIM AND PRACTICE I HAVE MET ALL REQUIREMENT AND WAS OWED CREDIT-YET CAPITAL ONE BANK HAS REFUSED TO HOLD THIER END OF THE DEAL. WHICH IS TO SEND MONTHLY BILLING STATEMENT. 
Another false claim!!!! I do not owe late payment or month ( s ) of an unpaid debt. Capital One Bank could not and can not claim that the credit was applied to my XXXX payment as I did pay {$160.00} for XXXX, and paid another {$160.00} for XXXX. If this bank claims that they credited me with {$170.00} in XXXX, then my payment made for {$160.00} in the same month should have gone to XXXX payment. And {$160.00} paid in XXXX should be for XXXX and the payment I made in XXXX should then be used to pay for XXXX. 

on the year to date payment statement they sent even contradicts their claim. where was my payment for XXXX that I personally sent in????? This company keeps fabricating a bunch of lies and continues to pretend that they are unaware that i am not in active bankruptcy. If they truly believe that I am in active bankruptcy, then why does this same bank violet my rights and the bankruptcy laws by sending me a bill every month on another account that I have with them. Would the bank also claim oversight an that too???? This bank needs to credit my account correctly and resume my monthly billing statements as I have met their agreement with me twice. 

Furthermore, the bank needs to send me a statement of all money received and interest charge on the loan for tax purposes.
Consumer complaint received 2016-04-18
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY (CA)

I have XXXX credit card charges with American Express ( they are the same charges so it is impossible to differentiate what amount of the charges was for our purchase of their ( the merchant 's ) timeshare and what amount was for fees to enable the merchant to complete the purchase of our XXXX timeshare ) related to XXXX the purchase of a timeshare from a merchant and fees paid to the same merchant for the merchant to purchase our XXXX timeshare. 
I am not sending this complaint regarding a dispute but rather AMEX 's responsibility for the charges. 
We were told during the transactions ( we called the AMEX representative and made the transactions over the phone ) that there would be no foreign transaction fees. XXXX XXXX of the chairman 's office said these fees would be removed as the AMEX mistakenly told us there would be no fees. XXXX told us they would be removed nearly a month ago and that has not occurred ). We ask that the entire charges be removed but if AMEX is n't willing to correct the larger error of the entire charge resulting from their miscommunication then at least remove the charges that you agreed to. 
I expect answers to be provided through this system and not via separate mail.