davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-05
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (AZ)

I am submitting another complaint about Chase bank in regards to customer complaints all the way in XXXX. first and far most, I am not a fan of knowing that when I have to be calling about a refund of an unfair and wrongful charge to my account, I should n't have to call or be connected to anyone in XXXX when the original problem is here, in Arizona. On XXXX XXXX, I was wrongfully charged XXXX XXXX from a vendor called XXXX XXXX, who were not allowed to have access to my account. Second, it was a false charge which was also confirmed by my healthplan via phone with the customer complaint in XXXX, and as of now, though the vendor, only submitted a refund of {$130.00}, the bank failed to return my money into my account right now. I am still not seeing the money adding up to my account as it should. this has got to stop and I want to know since when did I ever agree to send my private information overseas? 
I do n't like anyone from any country to have my personal information and I wo n't accept it now. something needs to be done immediately including refunding my money, at once, as well as adding additional customer service here, in the states, where many of these discretions continue to occur. I am not happy with all the hardship that I have had to endure with this bank and I want and expect answers right away.
Consumer complaint received 2016-02-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Malcolm S. Gerald and Associates, Inc. (VA)

My wife received phone call, in 2014, stating she won a gift card. Along with this conversation she was asked several questions, XXXX of which being her favorite magazines. A month or so later I noticed we were getting billed by an unknown company " XXXX XXXX '' which I assumed was from the phone conversation. When we attempted to call the number back, the individual who answered stated that they had received numerous phone calls regarding this issue, but was in way affiliated with the activity. After this we went to our financial institute, XXXX XXXX XXXX, and had them investigate the matter. They determined it to be fraudulent, refunded our money and halted all further transactions. This has been over a years time with no word since, emails, calls, mail etc. Last week we received a collection letter for {$1100.00} from another company " XXXX '' through Malcom S. Gerald and Associates, Inc. My wife never agreed to any contract or services of any form. These charges are fraudulent and we would like to get this taken care of before any negative impact may hit her credit.
Consumer complaint received 2016-02-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TX)

I had a safe deposit box for about 15 years at Wells Fargo Bank in XXXX, TX ( Specifically it was the branch at XXXX XXXX XXXX, XXXX, TX XXXX -- Safe deposit box XXXX ). I was told when I first paid for the SD box that I would receive my deposit back as long as I return both keys to them when I relinquish the box. Last year, I relinquished the box and returned both keys to them. The representative told me, " Just sign this paperwork and I will get you your deposit back. I signed the paper which said that I have received the deposit back. At first, I was hesitant about this, but the representative assured me that he would return my deposit. So, I signed the paperwork. As soon as I did, he said, " We have no record of you putting down a deposit. '' Then he asked me to leave. 

I tried to contact Wells Fargo about this a few times over the year, but each time my request for my deposit back was unanswered. 

I simply want my {$100.00} deposit back.
Consumer complaint received 2016-02-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CO)

I have a mortgage with Ocwen Mortage. Two years ago they defaulted me on my loan and charged me fees because I supposedly was behind in payments. It took months and an attorney for Ocwen to finally admit that they made a mistake. They never corrected the mistake or send a correction to the credit reporting bureaus. Now Ocwen is once again defaulting my loan alleging that I am two months behind in my mortgage. My attorney once more supplied Ocwen with 24 months of my bank statements evidencing that all payments have been timely made. Ocwen is going forward with a foreclosure proceeding. It is impossible to reach anyone at Ocwen who can fix this situation. This is twice in three years Ocwen has made the same mistake.
Consumer complaint received 2016-02-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (CA)

I returned a cable box to XXXX and now I have received a letter stating that I never returned this cable box and now owe money. The company that sent me the letter, ERC, is a notorious debt collector know for fraudulent practices.
Consumer complaint received 2024-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

I filed an application for income driven repayment to access the public service forgiveness program in XX/XX/year>. I have 36 months of repayment banked toward the forgiveness. Based on information from StudentAid.gov my monthly repayment should have been calculated at the lesser of two ; 20 % of discretionary income or standard repayment for 12 years. My payment was calculated at {$660.00} a month, which would have my loan repaid in 7 years, before I could ever access the public service loan forgiveness program. I have called multiple times a month to both my loan servicer and Studentaid.gov to have the issue resolved. I have file two cases, resubmitted my repayment application 2 times, and contacted the omnibus. Everyone recognizes that payment amount is inaccurate, but neither agency takes responsibility for fixing it. I have been sent back and forth being told the issue had to be fixed by the other agency. I have asked to speak with supervisor or managers but have been told that those positions do not exist. I have instead had my loan on an administrative hold for 12 months trying to fix the problem, while my loan continues to accrue daily compound interests and I am unable to bank months of repayment toward loan forgiveness. I have not been given another option besides paying the higher amount or give up attempting to access the public service loan forgiveness program. I have no recourse for a mistake that wasnt mine but continues to cost me money monthly.
Consumer complaint received 2016-02-08
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE (NC)

Last year, I filled out a card application for a US Airways Credit card. BUT I never submitted it. I gather that it was left at the seat and some airline employee submitted it for me. When I received the card I immediately canceled it. BUT a hard credit inquiry was made by Barclays Bank in XXXX Delaware which stays on my Credit report.
Consumer complaint received 2015-12-17
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BANK OF AMERICA THE Alleged Investor /Owner of the Note on my property located in XXXX XXXX XXXX XXXX Ca XXXX violated XXXX of the codes of the Fair debt Collection Practices Act XXXX XXXX XXXX sec XXXX ( b ). 
BANK OF AMERICA refusal or ignore to respond a certified letter sent on XXXX/XXXX/2015. 
BANK OF AMERICA Failed to respond my Debt Validation letter.
Consumer complaint received 2016-02-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I have an auto loan with Citizens One Auto Finance of XXXX, RI. My loan is current to date and always has been. I have an excellent credit score of the high XXXX/low XXXX. My loan has no pre-payment penalty clause. This is where the problem starts, on four separate occasions to date I have sent payments for principal only to be applied ( when my bank provided remittance slip shows {$0.00} due ). I put the amount in the Principal line and they repeated ignore this direction and continue to treat it as a regular monthly payment and split the payment as interest and principal. In addition this bank makes it very hard to make a principal only payment, you can not do it via their on-line loan payment tool, you can not do it via my own bank 's pay bill by putting " Principal Only '' in the memo field, and apparently they ignore the information on their own bank provided remittance slip. 

When i call the bank it has been a mixed bag in getting anyone to do anything. One representative told me this is not like a mortgage ( whatever that means ) and that the bank will always split to get the interest they are due. Others tell me they will put a work order in to have the transaction corrected. 
This sounds and seems very much like a back handed way to get around the no-prepayment penalty portion of the contract. 
I have never dealt with a consumer finance organization like this that makes it exceedingly difficult to reduce your principal amount. Right now it is a stalemate. I never pay bills via check and the postal service any longer except for this bank. So now I have to write a check, send in the remittance slip, pay the postage, and then login to their online portal after payment is received and see that they took the interest out again. I call their call center, complain, and hopefully get a rep that understands the situation and backs out the transaction. 
Please look into this, if they are pulling this stunt on financially able consumer like myself, what are they doing to the less fortunate. 
I smell a rodent here. 
Sincerely, XXXX XXXX
Consumer complaint received 2016-02-08
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

I HAD AN XXXX LEXUS FINANCED THRU LEXUS FINANCAL XXXX. IT BURNED UP ON WAY HOME AND XXXX PAID ALL BUT XXXX OFF. I HAD PURCHASED A GAP POLICY FROM XXXX TOYOA, WHEN I BOUGHT T IT WAS A U.W.C GAP POLICY OWNE D BY XXXX XXXX THAY REFUSED TO PAY CLAIM OR REFUNF MY MONEY FOR IT I PAID TO RESOLVE BALANCE. LEXUS TOYOTA FINANCIAL IS RUINING MY CREDIT WITH LATE PAYMENTS AND COLLECTION ACTIVITYS
Consumer complaint received 2016-02-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (VA)

I fell behind on my mortgage payments in XXXX due to injury/hospitalizations. In XXXX of XXXX I re-entered a XXXX hospital for over one month. Upon my return on XXXX XXXX, XXXX, I received a notification, via regular USPS mail, from an attorney stating my house is listed in a foreclosure sale on XXXX XXXX, XXXX. I received ABSOLUTELY NO OTHER MAIL, either regular or certified, prior to this notice! I spoke with XXXX different people at Wells Fargo Home Mortgage on XXXX/XXXX/XXXX for over 35 minutes and still have no answers. A full mortgage payment was mailed to Wells Fargo Home Mortgage on XXXX XXXX, XXXX. I went through over 18 months of this with Wells Fargo in XXXX. Finally, after dealing with at least XXXX different people and submitting the same information over and over, my loan was " modified '', raising both my payment and interest rate!!. Once again, I am dealing with an unbelievable issue again! How does my house get on the auction block without ANY notification at all from Wells Fargo Home Mortgage?!? No phone calls, no mail of ANY KIND! This is another outrage, XXXX The recent XXXX. I filed a complaint to the XXXX in XXXX, which was forwarded to the CFPB. I am now looking at filing a suit against Wells Fargo Home Mortgage for this current outrageous action! They have absolutely no proof that they sent me any " warning '' correspondence of impending foreclosure action. Once again, I have to deal with the incompetence of Wells Fargo and their lack of explanation. The stress they caused me in XXXX XXXX and here I am again, facing XXXX. Again, I need answers and help NOW.
Consumer complaint received 2016-02-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (CA)

According to the ECOA ( Equal Credit Opportunity Act ), I am a victim discrimination from ALLY. This company has been brought upon charges for illegal business practices and discrimination against minorities by " marking up '' or providing perspective clients higher than normal interest rates on vehicles. Although, my claim was submitted, I am still incurring high interest rates from ALLY. I also want to file a civil complaint against ALLY for this type of discrimination and I wish to file a complaint against XXXX XXXX XXXX, CA, who is the car dealership, that sought out the loan from ALLY.
Consumer complaint received 2016-02-08
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (TX)

My credit card from XXXX XXXX was closed by the issuer. Reason stating my payment had be late multiple times since opening the card. This type of card generally has to be paid off when due each monthly. However I signed up for a feature in early XXXX that allowed purchases over {$100.00} to be amortize over time. I received an email on XX/XX/XXXX that advised my payment was late. I immediately called XXXX XXXX around XXXX XXXX, as I was in the airport on my way out of the country. I was told yes I was enrolled in the {$100.00} program, but it was not processed for XX/XX/XXXX. The agent advised he set it up for that month and I would not have any issues with future billing. He told me I only owed something like {$34.00} and I could pay it when I came back to the XXXX. I paid what was due on my next bill and planned to do the same amortize the charges over time. I was surprised to receive an email on XX/XX/XXXX advising my account was being cancelled. I immediately called XXXX XXXX and was told I was given incorrect information and there was nothing they could do at the time. They apologized and said the agent did not put notes in the file. At this time my account remains closed.
Consumer complaint received 2016-02-08
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (OH)

For 30 days more or less, XXXX XXXX located in XXXX has called, they call all times of day, recently they only call early morning or late evening, we assumed these to be telemarketing calls. They work for Synchrony Bank who handles Lowes credit cards. On XXXX/XXXX/16 i talked with customer service and asked them to quit calling us, they called again XXXX/XXXX/16 morning and evening, I talked with XXXX on XXXX/XXXX/16 there was a late charge on our account, she removed that, since we have an excellent payment record, and I explained we have a perfect payment record with them, and that we had n't received a statement for XXXX 2016, she in fact did credit my account, but the calls continued, I called again today XXXX/XXXX/16 to get something done XXXX with Lowes customer service # ( located in XXXX ) put on hold which i agreed to, after 10 minutes I hung up. I have canceled my account, but these harrassing calls should not have even been placed to my home. On line chat was n't any help either to Synchrony Bank. Please help
Consumer complaint received 2016-02-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (PA)

I was seeking to refinance my home. I started working with XXXX company ( Loan Depot ) in CA. they ordered an appraisal which I paid for. just as the appraisal came in I was offered a much better deal by another financial service. I and the new financial company asked Loan Depot to transfer the appraisal. they are refusing saying they do n't do that. I paid for it. In addition they contacted my insurance carrier and informed them they would be servicing the loan even though I have informed that I no longer wished to proceed with their offer. I understand they are upset at losing my business but do n't I own the appraisal. just because they " would not accept another appraisal '' does not mean that it is legal or ethical to deny transfer. Please advise.
Consumer complaint received 2016-02-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (GA)

I was denied online a copy of my credit report as they said they could not verify my identity ( I believe this is due to confusion with my son 's Texas address which appears to be reported as an address I have lived at [ I have not lived there ever ). I filled out their mail form as requested. I got back a response again asking me to verify my information with full name, SS #, complete addresses for the past 2 years, DOB, copy of driver 's license, and a copy of a recent utility bill. I responded again by using their required form, sending them a photocopy of my current Georgia drivers license, a photocopy of my social security card, a photocopy of my current electric bill, and on thier required form my addresses for the past 5 years, my SS #, full name, & DOB. As a response, I got back the SAME canned form asking for the same identification information again! 
What did they do with the photocopies of my drivers license, social security card, electric bill and other information? I provided each item on their list and checked it off, and even sent back the list with the required information to show I had provided it. I also stamped my current name and address on the front & back of each submitted item, so if it got separated it could be easily identified. What has happened to my information that I submitted to EXPERIAN? Why can they not get this corrected? I feel like I am in an infinite loop! My credit card was recently hacked and I need to see my report!
Consumer complaint received 2016-02-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Focus Holding Company (VA)

Company filed a negative comment on my credit report. Did not receive any written communication from them.? This company inundated my land line for several consecutive days. I would not give them any of my personal information because I was unsure if they were a scam for my identity. I asked them to send me the invoice and also I was told that it will be put in dispute STATUS AND WOULD NOT BE ON MY Credit report till they here back from the creditor. next thing i know its on my credit report and I never received the invoice till this day!!!! but they added a derogatory comment on my credit report.I DESERVE VAILIDATION OF THE DEBT.
Consumer complaint received 2016-02-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (OH)

My loan is through PennyMac. I pay it at the end of the month - that is when I have money to pay it. I have always paid it at that time. I have had multiple conversations where they acknowledge the request and that I am less than 30 days past the expected pay date. They keep calling me during the day, at work, during the month about that payment. They say the only way that I can get them to stop calling me at work, while I am working, on the only phone I possess ( a cell phone ) is to file a " cease and desist '' letter. 

I have to pay a lawyer to get them to not call me at work, during the day. That is unacceptaable.
Consumer complaint received 2016-02-08
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Was recently informed, following a credit check using XXXX, that I was listed as deceased. I requested a free copy of my credit report from XXXX and discovered that Cap One incorrrectly identified an old ( unused ) account as '' consumer reported as deceased. '' Approximately two weeks ago, I contacted Cap One to make them aware of this error. 

Today, I received a letter dated XXXX XXXX, 2016 from Capital One stating that they AGAIN WRONGLY updated the account as " deceased, '' and that they notified the other credit reporting agencies of the same information. I immediately called them, once again, to notify them of this error. I am angered that this error and, more importantly, its delay in resolution negatively impacts my credit history and ability to obtain new credit or even basic services without paying prohibitive fees! This is unacceptable customer service and an unacceptable delay in correcting something as obvious as my status among the living!
Consumer complaint received 2016-02-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (TX)

CMRE Finance has continued to attempt debt collection on a radiology bill that was paid through my insurance and co-insurance that I held at the time. I no longer have that insurance policy and have made that clear more than once. 
I checked my credit through an online site called XXXX XXXX and now CMRE is attempting to collect XXXX additional debts. I know without a doubt I have nothing in collection. Additionally, I have not received any mail communication regarding these " supposed debts '' from CMRE. The XXXX additional collections showed up last week yet all XXXX have a reported date from XXXX/XXXX/15. If this were the case then why am I just now seeing this show up and why have I received nothing showing where these debts came from? To me this seems fraudulent and I would like answers as to why they arbitrarily added these debts which is now hurting my credit score. You may view my payment history regarding current accounts I have and see that I do pay timely. I should also add that I have contacted CMRE directly via email to determine what is going on and have yet to get a response.
Consumer complaint received 2016-02-08
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/2016, I received a notification letter from Navy Federal Credit Union making threats to repossess my XXXX Nissan Pathfinder stating that it will be used as partial collateral on my auto loan account which Navy Federal Credit Union claims is in " default ''. My account is not in default and I have been making monthly payments but the collection department does not seem to have records of my payments but the other departments have records of my payments. I am getting daily calls and computer calls from them about an account that I am making payments on. The number that the Navy Federal Collection Department is calling me from is XXXX.
Consumer complaint received 2016-02-08
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

I had an outstanding medical bill from hospital emergency technicians. They said they did not receive insurance info. I resubmitted info 2 times to the billing company. I receive a collections notice for the amount. I get scared and pay the outstanding balance. I was assured by the collectors that I would be able to get a reimbursement from my insurance companies. I call my insurance and they said a claim was never filed. I call back and give the information so they can call the insurance company. A week passes and i call back and now they have no information on my account and hang up the phone after taking my money.