davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-17
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Credit Central Holdings, LLC (AL)

I was laid off this past summer and went and told this loan company this information. The very first thing the manager did was to look and see what I could sell to pay the loan payment that was not overdue. I continued to pay through the fall as I got severance pay. When the severance pay exhausted and all I had was unemployment and could not pay the XX/XX/XXXX payment the manager said that I could come in and rewrite the loan then I would n't be due again until XX/XX/XXXX. I was looking for work and had been since I was laid off, with no luck. I could not pay the XX/XX/XXXX payment so the loan company started calling me, my dad, my sister, my daughter in law, etc. I had already told them I could not pay the payment as I had not landed a job yet. When they called my sister she was in the hospital on oxygen and a bipap machine. She told them she was in the hospital, yet asked her to leave me a message. I called the loan company and let them know that they were not ever to call my sister again. My sisters doctor told her she may not live long and I was enraged that people would do things as that. Since then the loan company has called me every day. Called my daughter In law that is XXXX, called my Dad and his wife that are also disabled. Then the loan company decided to leave letters at my address a few times, Then they called a seasonal job I got XX/XX/XXXX to verify my employment with a co-worker and told her to give me a message. Then the loan company had someone go to my job and told my co worker that she needed to ask me a question, posing as a client. Then they called the call center and got the extention to where I was. I could not talk with them because I was with a real client. Today they had a police officer from the sheriffs department bring a tag at my work that said I was to pick up a claim at the sheriffs office. When I went to see what this was about the loan company had papers to sue me for the total amount of the loan and had 14 days to answer this claim. I do not have funds at all and the loan company knows of my situation. This has caused stress to my family and work, not to mention stressful to me as well. It has been nothing but pure harassment since after XXXX. I have had this loan for 3 years and rewrote the loan several times and have paid my payments on time until I got laid off and severance pay ended. I have only gotton paid twice since I have had this seasonal job so far and am paying on rent and electricity. I am also trying to find a full time permanent position. I need help.
Consumer complaint received 2015-12-24
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XXXX XXXX, 2015, XXXX payments posted onto my Capital One credit card. I only authorized XXXX of these payments. After speaking with XXXX, a manager, on XXXX XXXX, she stated that they would go ahead and perform an expedited funds transfer back to my payment account for XXXX of the payments. This transfer was to take 2-3 business days. I confirmed that this request was put in when I called back on XXXX XXXX and spoke with XXXX, another account supervisor. She assured me that the funds would be in my payment account no later than XXXX XXXX. It has now been four business days ( XXXX XXXX ) since the request has been submitted. The funds have not been transferred and the payment has yet to be reversed off the credit card account. My financial institution clears all incoming ACHs around XXXX EST. When I called Capital One on the morning of XXXX XXXX they stated that there are no account supervisors to further discuss the delay in these funds being transferred. Once again I confirmed the timeframe of 2-3 business days and she said I was correct. XXXX XXXX is a federal holiday and then the weekend follows, which will further delay these funds being transferred since there are very limited kinds of ACHs that may or may not clear on these days. I was told to call back in a few hours when an account supervisor will be available to assist me since the regular customer service representatives have no further information to pass along. I received the normal apology and empathy from the representative that all customer service reps are trained to display, but received no further information than the payment was still applied to the account.
Consumer complaint received 2015-12-25
Product: Mortgage — Reverse mortgage
Issue: Credit decision / Underwriting — 
Company: Finance of America Holdings LLC (MD)

Urban Financial Of America in XXXX, XXXX was transfer my case after XXXX 2015. When there were problems with the XXXX XXXX office from XXXX, 2015. I applied for a Reverse Mortgage with this company. Informed them I had good credit however, my identity was stolen after I retired. I submitted every document to prove this horrible experience. Police report, letters, information from the XXXX credit bureaus, and correspondence from other companies to prove my fraud. This company has requested information over and over again. There are stacks and stacks of paperwork I have received from Urban Financial. I have been patient with this company since XX/XX/2015, but they are still stringing me along. I have been upfront with since Urban Financial, they contacted ME for my business. When I was looking for a reverse mortgage and guarantee this was not a problem and have me APPROVED in a few weeks. 
I am very frustrated with this company. Please help!!
Consumer complaint received 2016-01-10
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

XX/XX/XXXX i found out that one of my XXXX XXXX. my customer had not paid for the work i had done to date and i had no written contract. i called my credit cards all XXXX different companys and asked for the use of my " credit card payment protection '' it goes by many names. i was told flat out that since i was self employed that i could not prove i lost the work. i can prove i lost the work. the end result was that i paid them thousands of dollars over many years ( like 10 years ) for this service and i only needed a few hundred dollars to keep current. they shut off my cards and collapsed my available credit. i needed that credit to keep my business going. i had to take a job working for someone else and hibernate XXXX. three months after my first phone they called begging me to get current, XXXX companys and even suggested i use my " credit payment protection '' when i said, " i am self employed and you guys knew that from the start, 10 years ago '' they said that maybe they could find a way for me to be allowed to use my " credit payment protection ''. i was so mad i had to hang up. when its my life and credit and business they cant help me, when i am about to go 90 days and they are going to have to " charge me off '' they find a way to use it. i never ended up using it because the paper work came to me in the mail after it was due back and furthermore it was impossible to fill out as self employed. i have tried to XXXX this to XXXX XXXX and XXXX. they fixed other things but not this they are in bed with the credit card companys and dont care what i say. i paid my debts current and i paid off the cards that were closed upon me. now i need help getting my credit fixed and my money i spent on credit payment protection back thank you i hope you can help. this down grade in credit has ruined my business that i worked so hard for and now i cant buy a house because of how they misled me into a trap. i am submitting one complaint per company so i am going to copy and paste this to each one.
Consumer complaint received 2015-12-19
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: VALLEY NATIONAL BANCORP (NJ)

My mother has XXXX and is XXXX years old making it difficult for her to get around when she is not hospitalized. A few years back we went to a branch and had my name added to her passbook savings account in case of situations like this. I had no reason to go since then, until now, but when I went, the bank had mixed someone else 's information with my name on the account and it would be difficult to straighten it out without my mother. In the interim we went and had power of attorney documents notarized for me. However when I went to the bank, they stated they still need to investigate since my information did not match and eventually when my mom was permitted to travel ( she is currently in a XXXX ) by the doctor, we went to the branch near the XXXX, there they suggested she come in while she was out. The lady there said she would simply delete the incorrect information on the account for me. When she did this she put my correct information in and the " XXXX '' they use for new accounts rejected me because of low score, but they still will not honor the power of attorney document. This is a legal document and allows me to represent my mother and I see no reason why they can not abide by this.
Consumer complaint received 2016-01-28
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: U.S. BANCORP (WV)

I purchased a XXXX XXXX Reward Prepaid card. I could not complete the verification online to get a personalized/permanent card. When I called the number provided I was told I would get a call within 24-48 hours to complete the registration. 
After 27 days and me calling three times, I finally got a call and was told I had to call XXXX. Why? They do not issue the cards and this has no effect on my credit. Plus the number ( XXXX ) they gave me was only for members or people who had a credit report problem. 
I do not think they should be able to access my credit reports when this in no way will effect my credit.
Consumer complaint received 2016-01-11
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CA)

I received a letter dated XXXX/XXXX/2015 from Chase Executive office stating that they are investigating my concerns. Well that in fact is a real way of insulting me. I received XXXX a call from XXXX Chase who left a message for me to call ASAP the first chance I had was today and the person I spoke to stated that they had conducted their research and felt that they would not be changing their minds and there desici0n stands the same. 

This to me is a way of harassing me and degrading me because I had paid this balance off without any delays and paid them finance fees and suffered greatly from the situation which concerned lodging at XXXX that was infested with bed bugs. They contacted me with the last letter I uploaded regarding the credit they had not made to my account for the amount that was disputed. This is by far a way to harass me and treat me like a liar. I went through an extensive period of cross examination and had to show them a lot of proof to file a claim and they treated me like the bottom of the barrel credit card scum they are This is from Case number : XXXX
Consumer complaint received 2015-12-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Principal Group, LLC (CA)

National Principle Group called stating I borrowed {$300.00} online through XXXX XXXX XXXX on XXXX/XXXX/2013 and that money was deposited to my account on XXXX/XXXX/2013. Having no recollection of this, I called my bank and reviewed my bank statements. According to my bank statements, no such transaction was made. No money was received. Yet this company has my information. They are attempting to collect {$710.00} for an outstanding loan that I never borrowed. I informed the collector that I am disputing the loan.
Consumer complaint received 2016-03-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

Experian is reporting financial information that is incorrect in regards to XXXX XXXX XXXX XXXX. I logged on to my account with opm.gov.cybersecurity on XXXX XXXX, 2016 and noted that Experian has not removed this item. 

Experian 's website will not let me challenge the derogatory item. 

Attached is XXXX 's letter of XXXX XXXX, 2016 along with a screen shot of my credit report from the US Office of Personnel Management account.
Consumer complaint received 2015-12-26
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY (CO)

I am being charged monthly for interest and there are no eligible purchases that warrant the interest charges. The only eligible interest charge was paid and reversed. I have made many calls and have been told different things by different representatives. Last month, I was told if I pay over {$70.00} towards my balance ( from a non-interest bearing balance transfer ) that I would clear any charges in the past that might be charging interest. I paid {$100.00} and I am still receiving the interest charges.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

You are reporting Inaccurate information in consumer reports concerning me that you have compiled and published to third parties. The following tradeline item is inaccurate. 
Account Name : XXXX Account Number : XXXX The inaccurate item that you are reporting concerning me is harming me personally, emotionally, and financially, and causing me damage.
Consumer complaint received 2015-11-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OH)

on or about XXXX/XXXX/2015 a tree fell on our house doing damage to roof. the work has been completed and wells fargo is refusing to release payment to the contractor unless we agree to a repayment plan on our mortgage. the insurance is paid by me out of my own pocket. 

XXXX XXXX ( my wife ) has spoke to wells fargo several times first time they said no problem we will send out the paperwork right away. the paperwork never comes. XXXX calls again wells fargo says sorry that we never received the paperwork that their records show it was sent XX/XX/XXXX and will XXXX the paperwork out immediately. the paperwork never shows up.XXXX calls wells fargo again this time wells fargo says they cant send the paperwork until they receive the check. XXXX and I sign the check and send to them. wells fargo told us that once the work was inspected they would release the money to the contractor. now today XXXX/XXXX/2015 wells fargo says they will not send paperwork or release money to contractor unless we talk to the mortgage division and can work out a mortgage repayment plan. 

XXXX 2015 Wells Fargo filed foreclosure in XXXX county court and my Attorney XXXX XXXX has answered the summons and has request it to be dismissed and or sent to mediation. 

XXXX XXXX
Consumer complaint received 2015-07-17
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

My problems started when my mortgage company Carrington Mortgage Services LLC returned my XX/XX/XXXX payment. I called when I saw it was returned to my bank account and immediately may the XX/XX/XXXX payment in or on XXXX XXXX. The payment was not debited for 7 days I made the XX/XX/XXXX Payment in or around the XXXX XXXX. 
They are threatening me with Notice of intent to foreclose by mail and certified letter. They are holding one full payment not partial payment in Unapplied funds. I made both payments with a representative on the phone with Carrington and followed up on the phone. 
I feel they are pushing me to foreclosure and not accepting my payments
Consumer complaint received 2015-06-02
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Purchase house in 2005, value at that time {$220000.00}, value now around {$200000.00} ; at time of purchase with Bank of America, HELOC used as part of purchase, {$46000.00}, HELOC at XXXX yrs., paid around {$24000.00} in interest/XXXX., for next XXXX yrs. to pay $ XXXX/mo., for additional {$75000.00}. Bank unable to refinance for lower and fixed interest due to value of house.
Consumer complaint received 2015-11-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have an account from XXXX state which is corrected by the university and it has been fixed on my XXXX and XXXX but transunion is still showing that account. This is account was established because I did n't submit proper paperwork to the university but with the help of the treasury department president everything was corrected. They have already sent the update out deleting the negative information and balance. Transunion has failed to comply with the FCRA standards and displaying correct information.
Consumer complaint received 2015-06-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There are XXXX accounts on my Transunion file reported by XXXX that transunion refuses to remove even after the company sent deletion letters to have the account removed. I requested that the company provide me with validation regarding their claim, and they never provided the documentation. I filed a complaint against the company with the CFPB, in which they were not able to validate the account and agreed to have the information deleted from my credit files. Transunion sent me an updated report from XX/XX/2015, and these accounts are currently listed. By law, if a company can't validate the information they are reporting than it must be removed from the credit files. Additionally, I have disputed this information with Transunion in the past, and they have always verified that these accounts were validated and verified as accurate. Being that the company requested these accounts be deleted, I am not understanding why Transunion will no comply and removed these files from my record. XXXX sent these request electronically to Transunion before this file was mailed to my home and the accounts are still listed. Please assist me with getting these accounts removed as the company XXXX requested and as I have kindly requested.
Consumer complaint received 2016-02-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO. (IN)

I have been experiencing extensive issues with Chase Auto Finance ( XXXX XXXX XXXX XXXX KY XXXX ) approximately since XXXX XXXX. Daily, repeated, telephone calls to my personal cell phone escalated into calls to my work phone. After 3-4 phone calls to my employment phone, I demanded Chase Auto Finance never contact via my work phone. Chase Auto Finance has complied with this request ; However, their over-aggressive collection tactics ( that of which stems from one ( 1 ) unsuccessful monthly payment ) have developed into an atrociously diseased business practice. On XXXX/XXXX/XXXX I telephoned Chase Auto Finance to make a {$360.00} payment on the balance due of {$720.00} via debit card. The representative I was speaking with questioned why I was not paying the balance in full. I responded by stating the funds were not available, I would settle the balance due upon receipt of my Federal Tax Return, and that information was not of her concern. She then inquired on the date of when I would receive the tax return, and if it would be direct deposited. I informed her this was " none of her business '' and, with concern for fraud/scamming, refused to provide an approximation of the date of tax return funds. The representative responded aggressively, claiming no payment would be accepted unless it was the full balance due. I explained to her this was untrue as I have made partial payments on prior occasions. The representative became argumentative and at that time my demeanor changed and I demanded she accept my payment towards the total debt owed. The representative then stated that my proposed payment would be accepted if paid by giving her my bank account information. I refused to provide this information and restated I would pay by debit card. At that time she claimed a debit card could not be processed for this transaction. Arguing ensued, with talk of repossession of the vehicle by both myself and the Chase Auto Finance agent. The agent claimed that Chase Auto has the right to repossess a vehicle at anytime. I became agitated and ordered her to accept a debit card payment or to forward my call to a manager/supervisor. The supervisor was polite and non-argumentative but did attempt to coerce information about the approximate date of my Federal IRS Tax Return. 6 days ( on XXXX/XXXX/XXXX ) after this incident and successful payment of {$360.00} to Chase Auto Finance, I received multiple phone calls from phone # ( XXXX ) XXXX. I returned the call only to discover it connected directly to Chase Auto Finance. To my knowledge, Chase Auto Finance 's contact # is XXXX -or- XXXX.
Consumer complaint received 2015-09-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (MI)

I paid XXXX on my Chase Freedom Card by accident about 6 months ago. I do my banking online and meant to pay my XXXX XXXX card. I did not use the other card at this time. 
When I discovered my error, I stopped in to the XXXX, MI Branch of Chase Bank and talked to an a man in the office. He looked up my account and said yes I see you have this credit on your Chase Freedom Account. 
I asked him to correct it and put the money in my checking account so I could pay XXXX XXXX. 
When I was in XXXX XXXX, MI, I went in to the Chase branch of the bank. This man at a desk said there was not a similar amount paid from my checking account to anybody. Therefore he said I did not pay it. It took me several calls and internet messages to get this credit removed from my Chase Freedom Card. 
Yes I want to file a complaint. I do n't know how this debit did not show in my checking account but I know I made this payment and know I meant to pay XXXX XXXX on which I had a balance because I was using this XXXX instead of my Chase Freedom. 
Now they have deducted this XXXX XXXX on my XXXX XXXX but say this was a bank error. In my XXXX years of banking, I have never had a credit posted to any credit account in my life. 
File a complaint in regards to credit card issues with chase, by going online to consumer finance.gov, phone by calling our contact center at XXXX or file complaint form which you can request by calling the contact center, or lastly by fax or mailed in letter if you choose to file by mail please have you letter include : - Name- Mailing Address- Phone Number- Company Name- Company Mailing Address- Account Number- Desired Resolution- Details of any communication you have had with the company about the issueAnd mail toConsumer Financial Protection BureauXXXX XXXX XXXX XXXX, Iowa XXXX