davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-13
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Where do i get started. My father has recently passed on XXXX XXXX 2016, and during my dads funeral services my wallet went missing, and i noticed the next day and noticed {$200.00} was taken out my account, but how? I then call bank of america to report my card lost or stolen and put in a claim for this money they stole from me, and how they got my pin is crazy, they must f been standing behind me at an atm at the time of the funeral, and that is petty and sad just like bank of america! They declined my claim for what reason I do not know, and its sad, because I never try to claim anything or go through this broken process with these banks. But my dad just died and all these expenses left behind fall on me and I am in ruins right now! I would n't be claiming anything false, and the money was taken at a store atm, when i only use bank of america for just that " security ''! I am very disappointed in the way bank of america handled it and denying me for {$200.00} that is much needed to get my dad funeral expenses paid. I am so disappointed that I will be seeking a new bank soon, because it is sad that a huge bank like them cant help in your most time of need!!
Consumer complaint received 2016-06-27
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

An application for loss mitigation was submitted to Bank of America ( " BOA '' ), as the second mortgage, on XXXX XXXX, 2016. 12 CFR 1024.41 ( b ) ( 2 ) ( B ) allowed BOA five business days to acknowledge receipt and determine whether the application was complete. The timing is critical, since the first mortgagee has already issued a discounted payoff letter, the deficiency being forgiven quite substantial, and a closing must take place over the next few weeks in order to comply with the first mortgagee 's approval letter. BOA has ignored us. We have tried telephone calls to numerous offices including the office of XXXX XXXX, the company president, we have tried emails, faxes and tweets. BOA ignores us. BOA evidently employs individuals to respond to inquiries to office of the president, and tweets, solely for the purpose of giving " feel good '' responses to put the matter off until another day without actually doing anything to address the issue. see annexed pp. XXXX-XXXX
Consumer complaint received 2016-07-13
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: GLA Collection Company, Inc. (KY)

I presented myself to have a medical procedure performed. The doctor was not able to perform the procedure, inflicted physical pain upon me, continued with attempts despite my hysterics. While physically violating me, the doctor pretended to take radiographs knowing he could n't perform the procedure and consquently that there would be no results from the radiographs. My medical records reflect that the procedure could not be performed. Despite this, the office charged for the procedure. My insurance paid. Subsequently, this was disputed / investigated. Multiple attempts were made to contact the doctors office. Attorney representation was obtained. 

Skipping ahead, after having no contact from the doctor 's office, a collection agency repeatedly began contacting me. They were told via telephone the matter was in dispute and that I had representation. They were sent a letter XXXX XXXX, XXXX notifying them in writing of the dispute and that I was represented by counsel. I had to send XXXX letters, in addition to the verbal notices, before they stopped contacting me. And, in a phone conversation with their representative, XXXX on XXXX XXXX, XXXX after both verbal and written notice of dispute and representation had been made and verbal notification made to him yet again, he indicated that they would continue to contact me anyway. 

Ultimately, they made no attempt to contact my attorney. They are currently reporting a collection on my collection report that is simply not true. It appears to be simply made up as it does not correspond to anything related to the original matter.
Consumer complaint received 2016-11-29
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Automatic Data Processing, Inc. (TX)

This is about the Flexible Spending Account card from ADP. This card is funded ( pre-tax ) directly from my payroll. The problem is with ADP ( servicing agent ) when is used. IRS policy is that employees can then use funds to pay qualified medical expenses not covered by their health plan, including co-pays, deductibles and a variety of medical products and services ranging from dental and vision care to XXXX and XXXX. ADP asks for a validation every time is used. If you do not send the validation request, they can block your card with your money unilaterally without concessions. The problem is that this card is for health problems including emergencies. My problem started when my wife had problems with her XXXX. We went to a XXXX ( recognized XXXX ) and the doctor gave her a XXXX. we paid with the card which is for medical products and services ( as stated ). Later, ADP requested validation via a letter and I send the ledger I received from the doctor 's office. Even that I comply with the letter ADP sent ; they still blocked the card and when I had a medical emergency for my son, card was declined with my monies. I called them and it was then when I found out that they now require a signature of the doctor on the ledger. This was never addressed before and this is the reason I 'm seeking for your help. I feel impotent with almost {$1000.00} dollars of my money in the card unable to use it because they now are requiring a letter from a doctor who charges for any consultation and is not easy to obtain. 
Please find attached letter from ADP requesting validation and the validation letter provided. Finally ; when I called ADP, there was a survey on customer experience, they cut the line before I can relate my satisfactory or unsatisfactory experience. I hope you can help or let me know who should I go with this because I 'm sure I 'm not the only one suffering from this.
Consumer complaint received 2016-07-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

I MADE A COMPLAINT TO CADOI BELOW. I HAVE ALREADY PAID MY INSURANCE PREMIUM IN FULL WITH {$110.00} OUTSTANDING OVERPAID I WANT CREDITED FOR XX/XX/XXXX PAYMENT AND THE INSURANCE PREMIUM TO BE REMOVED FROM MY ACCOUNT. YOU MAY HAVE TO DO ACCOUNTING ADJUSTMENTS. A COPY OF THIS COMPLAINT WILL BE FORWARDED TO CONSUMER FINANCIAL PROTECTION BUREAU. 

WELLS FARGO DEALER SERVICES ARE BILLING ME IN USURY ( OVERBILLING ME ) FOR CAR INSURANCE ATTACHED TO MY CAR PAYMENT EACH MONTH. THE COMPANY XXXX XXXX XXXX AT XXXX XXXX XXXX XXXX, CA XXXX POLICY NO XXXX. PHONE NUMBER XXXX. MY INSURANCE STARTED XX/XX/XXXX. I WAS BILLED {$94.00} A MONTH UNTIL XXXX XXXX WHEN I WAS BILLED {$140.00} A MONTH. THEREFORE I PAID {$94.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX {$140.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I PAID {$140.00} A MONTH. I PAID {$1100.00} IN TOTAL THAT WELLS FARGO IS CHARGING ME MONTHLY TO PLACE INSURANCE MONEY IN THEIR REVENUE ACCOUNT WHEN I HAVE ALREADY PAID MY FULL PREMIUM. I HAVE OVERPAID BY {$110.00}. THIS {$110.00} I ASK TO BE CREDITED TO MY PAYMENT FOR XXXX XXXX. WFDS IS CAHRGING ME {$370.00} FOR XX/XX/XXXX WHICH WOULD MAKE ME OVERPAID BY {$280.00}. PLEASE ADDRESS THIS ASAP. I AM REPORTING THIS TO THE CFPB. 
Fw : XXXX XXXX ACCT XXXX WFDS RE XXXX XXXX XXXX CALIFORNIA DEPARTMENT OF INSURANCE COMPLAINT XXXX XXXX XXXX Reply| Today XXXX XXXXXXXXXXXX Sent Items This message was sent with high importance. 
WELLSFARGOINSURANCECAR XXXX XXXX WELLSFARGOINSURANCECADOICOMPLAINTQBE.pdf XXXX XXXX attachments ( XXXX ) Download all Save all to OneDrive XXXX TO XXXX XXXX . 

**XXXXALL SEVEN PAYMENTS FOR INSURANCE WERE MADE SINCE XX/XX/XXXX. ***I AM REQUESTING AN ADJUSTMENT ON MY ACCOUNT. 

XXXX XXXX Payment History Help Print This Page End of HelpAndPrint Loan XXXX -- XXXX NISSAN SENTRA-XXXX CYL. 


Posting Dates XXXX/XXXX/XXXX ( MM/DD/YYYY ) to XXXX/XXXX/XXXX ( MM/DD/YYYY ) Invalid date range Transaction History ( Select a payment to view Transaction Detail ) Posting Date Effective Date Description Amount Principal Balance Next Due Date XXXX/XXXX/XXXX XXXX/XXXX/XXXX STORE REGULAR PAYMENT XXXX*XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX LATE CHARGE ADDED XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX STORE REGULAR PAYMENT XXXX*XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX LATE CHARGE ADDED XXXX XXXX XXXX/XXXX/XXXX LATE CHARGE ADJUSTMENT XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX STORE REGULAR PAYMENT XXXX*XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX LATE CHARGE ADDED XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX STORE REGULAR PAYMENT XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX STORE REGULAR PAYMENT XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX MO DEFERMENT XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX CORRECTION/ADJUSTMENT XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2017-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (OR)

Hello, I believe that FedLoan Servicing has acted inappropriately by forcing a forbearance on me when I did not ask for one, while they were re-calculating my IDR/IBR payment. Additionally, the forbearance was only for a month ( I seems ), and to add such a large amount of capitalized interest to my principal, all because of a one month forced forbearance, is cruel and excessive. 
The forced forbearance, capitalized approx. $ XXXX and applied it to my principal. I understand this is part of the rules of forbearance, but I did not ask for this forbearance, and even if I accidentally and passively allowed a forbearance because their verbage made it seem required during my re-calculation process, then that in itself was unnecessary and unfair. 
Additionally, the forbearance was only for a month, while they re-calculated and billed me for my new monthly payment. Why should I suffer with a $ XXXX growth of my principal, simply to ask for a re-calculation? 

I was ready and willing to pay my monthly payment during the month of my re-calculation, but there was no set dollar amount to pay, and I was sent EIGHT various and confusing letters solely during the month of XXXX, while I was waiting to find out what the re-calculated payment would be. I had no idea what to pay or when it was due because it kept changing all in the course of one month. 
Come XXXX, I see in my FedLoan online account, that my principal has grown by $ XXXX capitalization. 
What kind of practice is this? FedLoan has failed to process my request appropriately, they are perhaps guilty of purposefully confusing me with letters that state different information, they are guilty of using their forbearance rules to force my principal debt to increase, and they lacked in allowing me a say in the matter. 

I can afford my monthly IDR/IBR payment, but I can not allow them to bully me into growing my principal debt like this. How is this fair? How many other people are they doing this too? Why should such a drastic action be taken when all I asked was for a re-calculation? It is like I was penalized because I could not afford the standard monthly payment, so they said, " ok, we 'll make a way to get that money by just forcing you into a forbearance and we 'll capitalize on some of your interest ''. 

What can be done about this? 
Why must I suffer financially and have to have loans through a shady servicer? 
Who can help me? Who can help Us Americans who are trying the best we can to repay our student loans? 

Please investigate. The best solution I would like to see from this, is for FedLoans to remove the capitalized interest that they just added to my account, it is an undue and unnecessary burden, inappropriately applied. 
Thank you for your time.
Consumer complaint received 2016-11-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: The Phoenix Recovery Group (TX)

I was contacted by the Phoenix Group of XXXX XXXX to collect on a debt from over 3 years ago when I broke an apartment lease. I was never sent letters from the apartment detailing this debt prior to being sent to collections. The collector said I owed nearly {$2000.00} in unpaid rent and damages. I updated my address with them but they never sent me anything in the mail to detail the debt, confirm the collection agency, or the notice of right to dispute. One letter was sent to my parents ' house since my father cosigned, but it was just a copy of the bill the apartment complex claimed I needed to pay. When I asked about disputing the claim, they told me this was not possible. They said I had to settle or it would be on my credit forever. They kept adding interest and trying to make it seem like a favor to take it off, although it should n't have been added in the first place. It took months and talking to 3 different people to have them reassess the debt, showing someone moved in much sooner than they said and my debt was only around {$500.00}. When asked to send a letter since I still had n't received one over 6 months since they started calling, they claimed one had been sent although it had n't. I asked them to send another but still never received one. I received a call today from a man saying he was the end of the line ; the apartment needed to know if I was settling or refusing. When I tried explaining I had n't received anything in the mail, the man interrupted me, saying it was clear I was refusing, and hung up. The issue has still not been resolved and is affecting mine and my father 's credit negatively.
Consumer complaint received 2017-01-03
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (IL)

I have had a credit card with Citibank for years. Some years back, I added an " authorized user '' to my account, and Citibank issued that person a card. That person never signed an application, and is not a co-borrower. 
I was shocked to learn that Citibank is reporting this balance under the " authorized user 's '' credit report, even though this person has XXXX liability to pay the account. 
I called Citibank to correct this, and they told me it is their policy to report balances for ALL users authorized on an account, REGARDLESS of legal liability on the account. 
I informed them they were in violation of the FCRA, and they basically said, " tough. '' I would like to file a formal complaint to have Citibank stop this deceptive practice.
Consumer complaint received 2017-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have had a fraud alert on my credit report for years. I keep getting at least 10-15 calls from payday loan places, vacation spots, installment loans and a host of other annoying calls and hen my credit monitoring services have been going off for a week. I have not applied to ANY of these places but they are hitting my credit report and my score keeps going further down. If I was to apply for something, I would not be eligible because of all the inquiries and I didnt approve any of these. I need these inquires removed immediately.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NE)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2016-07-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Source Receivables Management LLC (CA)

In a recent review of my credit report ( XXXX XXXX, 2016 ) I noticed a collection agency ( Source Receivables Management ) that I have no recollection of, placed a collection account on my credit report alleging that I owe a balance of {$230.00} resulting in a derogatory trade line. Source Receivables Management NEVER contacted me via phone nor mail regarding this collection account prior to placing the account on my credit report. Under the laws mandated by the Fair Debt Collections Practice Act ( FDCPA ), and pursuant to 809. Validation of debts [ 15 USC 1692g ], I am entitled to be privy to this information prior to a collection account negatively impacting my credit report. As a consumer who is familiar with the laws and regulations regarding collection agencies and credit reporting, I knew my consumer rights were violated by Source Receivables Management once I saw the collection account trade line on my credit report and never received any formal documentation in the mail, nor was a phone call ever received prior to SRM placing the collection account on my credit report. Immediately after I was aware of the negative trade line placed on my credit report by SRM, I mailed SRM a certified letter ( XXXX XXXX ) with a return receipt ( tracking # XXXX XXXX XXXX XXXX XXXX ) informing SRM of their FDCPA violation and requesting formal validation with proof that this is my account that I owe SRM, and to immediately cease all collection efforts as SRM did not comply with the FDCPA while attempting to collect on this debt. To this date, I have not received any documentation in the mail, nor has any communication been made with me from SRM in an effort to validate the debt. In addition to my efforts at trying to acquire validation of this debt from XXXX, I have also had an attorney mail out formal notarized letters on XXXX XXXX and XXXX XXXX requesting validation and to no avail, our efforts have been unsuccessful and SRM still has not communicated with myself nor my attorney. I also filed a formal complaint with the XXXX of North Carolina/XXXX on XXXX XXXX and am still awaiting a response. At this time I am reaching out to the CFPB to assist me with getting SRM to comply with the FDCPA laws.
Consumer complaint received 2017-01-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Security National Automotive Acceptance (HI)

I paid off my vehicle loan with SNAAC, however the very last payment history that was sent to me along with my paid in full letter, reflects very obviously inaccurate data and much more was owed back to me in overage than {$88.00} as can be calculated from the payment history sheet. The principle balance owed and the principle balanced paid have a difference of {$1400.00}, yet only an {$88.00} overage is reported and was paid. Also on the principle balance side of the sheet on XXXX2016 the principle owed reflects XXXX then somehow jumps to {$1600.00} on XXXX/XXXX/2016. Which implies to me that even more than just {$1400.00} was taken from me in overages. Also there are multiple charges marked " other '' that have not been explained to me, my online account has not been updated in months even upon request, and my phone calls have not been returned from customer service about my complaints.
Consumer complaint received 2016-12-30
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: ACS Education Services (NH)

I have a private student loan with ACS 9 % interest rate since 2007 I pay XXXX a month and the payments only go towards interest which I cant even afford but I cant destroy my credit at this point in my life. I was on a reduced payment plan for years paying XXXX which ballooned my loan and now I owe XXXX which is more than I even borrowed. ACS no longer allows reduced payment plans because of the ballooning issue is caused so now I have no other option besides pay the XXXX to maintain good credit and XXXX come off the principle balance. 
There needs to be a way for people to pay their loans back in an affordable fashion without it causing more financial hardship in the long run. These private student loan companies need more regulation on what can and cant be done to borrowers. re financing is very difficult for private loans because the other options available are not much better- they offer less years on the loans causing the monthly payment to only increase which is not doable. I have paid XXXX toward this loan since 2007 and none of that has come off the principle which I find to be very illegal.
Consumer complaint received 2016-10-25
Product: Credit card — 
Issue: Balance transfer — 
Company: TD BANK US HOLDING COMPANY (NY)

I called TD Bank where I hold several accounts to apply for a line of credit with their Visa card. I specifically told the representative that I wanted to do XXXX balance transfers. He said that " would be no problem '' and " even if the line of credit does n't cover the balance transfer amounts, they would approve it '', " do n't worry about it ''. The call was recorded. They proceeded to approve me for {$5000.00} line of credit which did not cover the balance transfers. Assured me they would approve these transfers, and proceeded to end the call. I called 7 buisness days later to find out, the balance transfers were rejected, but I had an open line of credit for {$5000.00} with a high APR. The balance transfers are 0 % APR. When I brought up the complaint, I spoke to a supervisor, and was told the matter was " being looked into ''. I now have to close an account I will not use and they ran my credit with assurances that I would have my balance transfers accepted. The supervisor ID that was handling the matter was # XXXX on XXXX XXXX and XXXX XXXX # XXXX. The matter is still being looked into as the conversations were recorded. In conclusion, I opened a credit card with false pretenses, which later I had to cancel and does show up on my credit report. As noted above, I was able to obtain employee ID numbers of everyone I spoke to. When I called my third time to close the account and inform them I am filing a formal complaint with CFPB, the employee would not offer me his employee ID number. Only name and extension.
Consumer complaint received 2016-12-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (TX)

td bank checking account number # XXXX on XX/XX/2016 two transactions as follow : 1. ) XXXX {$89.00} 2. ) XXXX {$XXXX} caused a total of {$85.00} dollars in two seperate overdraft fees and one monthly account maintence fees, these companies had no authorization to charge my account and they recently cancelled both transactions and refunded all funds which these fees originated from. td bank refuses to allow me to file claim disputes over the phone because they claim they can not verify my identy. i live on the military base in XXXX ( XXXX ) texas and their is no td banks in the state of texas. i should not be responsible for these fees as it were not my neglengence