davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-10
Product: Credit card — 
Issue: Overlimit fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have had many credit cards and I have never experienced this. Capitol One has been charging me an " over the limit fee '' every month, despite the fact that I pay at least the minimum payment ( {$75.00} ) and do n't use the card! They have designed their system so my account will never be paid. Every time I tell them it is illegal, they reverse the charge, but then they turn around and do it again! 

It is essentially a pay day loan pretending to be a credit card.
Consumer complaint received 2016-03-08
Product: Credit card — 
Issue: Billing disputes — 
Company: PENTAGON FEDERAL CREDIT UNION (PA)

I signed for an upgrade to a 6 cylinder car from XXXX XXXX for an additional {$140.00}, but I did not get a 6 cylinder car. They gave a 4 cylinder Corolla. I asked XXXX for a credit to my credit card, but they refused. When I complained to Penfed Visa, my credit card company, they refused to give me a credit without a credit memo from XXXX.
Consumer complaint received 2016-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (WA)

Our son passed away on XXXX XXXX, 2015. 
His mortgage was with XXXX XXXX but they sent it to Seterus for processing. 
After sending Seterus our sons death certificate twice, they continue to call our mobile and home phone asking to speak to our deceased son. 
This has caused XXXX to his mother and prolonging her grief leading to a decline in her health.
Consumer complaint received 2016-03-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i have not applied or have applied for any loans since XXXX i tried to correct this last month with XXXX and transunion transunion failed to invesgaite to the fact this account dated back to 2005 it is the same with XXXX transunion file # XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX coast XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXhave not opened any accounts since 2005 when i lost my home and everything it looks like they sell debt to a different company and take that date iftransunion done there job they would have seen this instead they are bias and dont go by the law XXXX included
Consumer complaint received 2016-03-08
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services (CO)

On XXXX/XXXX/16 I leased a new vehicle. The dealer is XXXX miles from my house so I quickly signed so that I would not get hung up in traffic. The numbers were negotiated before I arrived so I considered it to be pretty straight forward. 
I have been away from home so I contacted Mercedes Benz Financial Services to get my account info for upcoming payment ... I asked to be emailed a copy of the contract. When I received the email is when I saw the error in the Consumer Lending Act Disclosure box. I called MBFS again to question this. I actually had to get rude with the rep to get him to finally admit that it was incorrect, then his reply was, 'We were not at the table when you negotiated and signed this contract so you will have to take it up with the dealer.. ' Are you kidding, this is a FEDERAL DISCLOSURE box that MBFS has funded with an error. When I asked how they could possibly fund this contract he told me to take it up with the dealer. WRONG, because the contract now belongs to MBFS and they made the error by funding this incorrect contract.
Consumer complaint received 2016-03-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

My XXXX Prius was repossessed more than 6 weeks ago. I telephoned Toyota Financial Services ( TFS ) for guidance. I was told to wait for their letter. The letter came about a week later, and I read it. In accordance with that letter, I sent a check for the payoff amount ( {$2500.00} ). The check was sent " return receipt requested. '' I received the return receipt indicating that on XXXX XXXX, a TFS employee ( " XXXX ) in XXXX XXXX, Iowa signed for the check. 
Nothing happened. I telephoned TFS at a their phone bank in Arizona, as directed in the letter, and inquired repeatedly about my vehicle. Each phone call requires anywhere from 22-42 minutes of waiting time. Each person who answered the phone could not tell me what the status of the check was or the status of the Prius. Indeed, I was advised that I had to find out what TFS in Iowa was doing with the check. ( I 'm in DC and not associated in any way with TFS. ) I telephoned a Toyota dealership near where I live ( XXXX Toyota in XXXX ), and asked for their assistance. I was told to send a cashier 's check and that was all that was needed. 
Just before going to get a cashier 's check, I checked my bank account. The check sent to Iowa was finally processed. At the time the check was processed, three weeks had elapsed. 
At this time, I can not get TFS to release the car. Indeed, I can not get anyone to tell me what the status is of my car. AND in the interim, I am told that the repossession company who took the car is charging me a daily fee plus towing fees, and other fees. 
I am XXXX years old. I am relying on friends and neighbors while trying to get my Prus back. At this time, however, I have no belief that I will get my car back. 
Please help.
Consumer complaint received 2016-04-15
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (VA)

After requesting XXXX XXXX XXXX to modify our mortgage through principal reduction, our account was transferred to Bayview Loan Servicing , LLC which advertises that it provides principal reduction alternatives. We applied, submitted all the required supportive information, specifically requesting a principal reduction, and were offered a false modification opportunity that did nothing to reduce the principal. The market value of our home is approximately {$90000.00} less than the current mortgage principal of {$300000.00}. 
We provided county assessments, regional sales of similar properties, insurance values, and hardship and financial documents, all for not. 
We need help getting out of being underwater on our mortgage.
Consumer complaint received 2016-03-08
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (TX)

Citibank has asked me to " verify my information '' in order to allow me access to my account online so that I can review my billing statements and pay my credit card bills. As I am enrolled in their paperless billing, I do not have an alternative to review and pay accounts. The information that is being demanded is information that does not exist : I do not have an ATM card, I do not have a Checking Account and I do not have a PIN number with Citibank. When I have called in to inquire about this issue, they asked me to wait on the line while they " deregistered '' my account and instructed me to re-register. When I attempted to do I received warning that my account was already registered and to apply for the replacement of my Password and Username. When I attempted to do so I was first greeted with a warning that my account was already registered and to change my password with a challenge question. When I entered that system to change my password and unlock my account, I was greeted with a warning that my account was NOT registered and then asked to register my account. Following those instructions ( again ) gave the same message that my account has already been registered and that I need to login ... which then promptly asked for the Account/PIN and Debit Card numbers which I do not have. 

In the mean time, interest, late fees, penalties and every other charge imaginable I 'm sure is racking up on my account and what 's more, I 'm certain that they are reporting negatively to the bureaus. I 'm attempting to pay my bills, but their call center and their website is preventing me from doing so! 

Given the history of this bank abandoning Texas and continually practicing negatively effecting business against me and others ( reducing credit limits to balances ( increasing balance ratios ) losing customer information ( leading to fraudulent accounts opened ) etc. I 'm not surprise, but certainly am at risk is decrease financial capability because of either technological incompetence on the part of this institution, or a concerted effort to hamper the financial well-being of customers in Texas 's Low-Income Census Tracts.
Consumer complaint received 2016-03-10
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (GA)

Beginning XX/XX/XXXX and into XX/XX/XXXX, my account was fraudulently and repeatedly charged a large sum of money over the course of a month by a company called XXXX. On XXXX XXXX, I filed a unauthorized charge claim with Chase and was denied because I had logged into my account a number of times during the month of XXXX. I noted to the claims specialist that I had n't noticed the charges earlier until the largest fraud occurred and only logged on to pay my credit card bill. Because I had logged on during the month of XXXX, my claim was denied. I asked to appeal the claim because it was fraud. Chase never even investigated the claim with XXXX and I was stiffed out of money that is rightfully mine. Upon hearing the decision, I asked to appeal the decision and was rudely treated by their claims agents who could seemingly never connect me to a claims specialist, despite my repeated attempts at contacting the company. In addition, I was told I would need supporting information that would state that I did n't make these online transactions to even have a chance at overturning the ruling. How am I supposed to have information saying I did n't make these transactions if I did n't make the purchase? This is easily the worse customer service experience I 've ever had.
Consumer complaint received 2016-03-08
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (WA)

I had a vehicle loan through Santander Consumer USA, during the loan I had some problems making the payments due to my XXXX. Santander was never very good at working with me on the situation. Often times my whole payments of {$580.00} would go straight to interest, this happened months in a row. ( I found that mathematically impossible ) I really felt like Santander was ripping me off because of the situation I was in and my bad credit. On XXXX XXXX, 2015 they received a letter from me as a last resort, to work with me during this time. I requested that Santander respond via letter outlining any options they might have. I received no response from them, ( after the repossession they lied and said I did n't communicate with them ). Soon after they sent a recovery truck to repossess the vehicle at night ( I offered early on to surrender the vehicle if no agreement could be made ). They took the vehicle which had personal belongings of my wife and I in it. They also did n't inform us on how we might get them back, we never got them back. We also received no notice on when/where/or how much the vehicle was going to be sold.. They followed no WA repossession law that I can tell ... I have read that Santander has optional payment protection plans which would have helped me in this situation ... Which I was never offered in the first place ... I feel like Santander took advantage of me because I am injured and XXXX. They now claim I owe almost {$10000.00} for the balance they could n't get for the vehicle, they have assigned it to collections. I do n't believe I owe the money based on the fact that they did questionable things during my loan and ultimately broke the law in regards to the repossession.
Consumer complaint received 2016-03-10
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (GA)

My company offers an HSA ( health savings account ) health insurance option with the HSA provided by XXXX and BNY Mellon. During the benefits enrollment period in XXXX 2015, my company *strongly* encouraged everyone to sign up for the HSA option over the tradtional PPO plans. I generally like the concept of HSAs and signed up for one, opting to contribute the maximum limit. Now XX/XX/XXXX, BNY Mellon has unilaterally decided to impose a $ XXXX/month fee on all balances below {$5000.00}. This was apparently a right reserved to them per the account terms to which we had to agree in order to opt-in to the HSA plan. As a consumer and employee, I never had the opportunity to fairly negotiate this as part of my benefits.
Consumer complaint received 2024-09-03
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. (OK)

I am not sure what is going on but my XXXX XXXX dropped XXXX points due to XXXX account being closed, XXXX XXXX. My score went from XXXX to XXXX due to this change. This is unethical and problematic for me due to not closing the account and XXXX account close should not drastically affect my XXXX XXXX.
Consumer complaint received 2016-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (CA)

There are so many issues to complain about from FedLoan claiming it did n't receive my paperwork, to not crediting my account appropriately and claiming I did n't pay when I did ( thank XXXX for my bank records ), to once claiming I did n't submit my IBR paperwork in time to be processed, although it 's on record with them and electronically that it was ( they just failed to get to it in time ). All of this has resulted in a TREMENDOUS amount of added interest to my account to the tune of XXXX of dollars. I 've never been late on a payment, and they make it incredibly difficult to renew my IBR! It 's a game they play in order to get more money from people! In my latest struggle with them, they simply wo n't acknowledge that I have had a change in family income and family size. They told me it would be " at least 90 days because they are backlogged ... they are receiving hundreds of complaints daily ... my application keep gets pushed back because every time someone complain they get pushed up and my paperwork gets pushed down the pile ... '' I CA N'T AFFORD to pay for their incompetence!!! 
I honestly do n't know how this organization can be supported by the United States Gov. It 's horrific to think of how many thousands of dollars in interest I 'm responsible for paying because of their mistakes. It 's disgusting to think of how many other unsuspecting and trusting individuals are out there dealing with the same thing while NO XXXX with the power to help has. I simply can not afford to keep this up! How much more interest will I be charged for their negligence and illegal policies? Please, please, please help me and the thousands of other people who are simply trying to get the appropriate management of our loans. Fedloan causes me to have anxiety like nothing else ... .I know they are stealing from me and there is nothing that can be done except accept it. Please help.
Consumer complaint received 2017-03-24
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

XXXX XXXX XXXX, Mo. XXXX Re : Capital One-Committing Fraud I owe Capital One {$170.00}. I asked Capital One to close account because I do n't Trust Them. They keep adding Bogus Charges to make Balance Higher. 

I want this matter resolved by me paying them what is Actually owed of {$170.00}. Account Closed with No Balance Owed after paying {$170.00}. 

Waiting for your reply, XXXX
Consumer complaint received 2016-12-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION (PA)

I made several purchases again from XXXX. ; XXXX posted as normal and for some reason XXXX posted late and caused a bank charge of {$38.00}. There is another bank charge for a car loan that I missed a deposit which is my fault but they charge another late fee {$77.00} total. I have no control over when items post. I understand that but there has to be exceptions. The money was there but the posted thing is hard to understand. I am on a fixed income and there is no more until XXXX. How about stopping this {$3800.00} until then so I can have some money to live with for next month? You have made plenty in fees this month. This is my last not to customer service : " Regarding account : XXXX - I understand that but there has to be exceptions. The money was there but the posted thing is hard to understand. I am on a fixed income and there is no more until XXXX. How about stopping this {$3800.00} until then so I can have some money to live with for next month? You have made plenty in fees this month. ''
Consumer complaint received 2016-03-11
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Last year the weekend of XXXX XXXX, 2015 there was a glitch in their debit mastercards. Customers were charged twice for their purchases. Huntington did go through and refund all the double charges. 
- Some customers like me had checks bounce and payments bounce because of the excess of charges caused the account to go negative. I had to pay Return Check Fees to the merchant 's that were sent back. Huntington refused to cover any other merchant fees. 

Huntington offers a 24 hour grace for checks that may not clear this gives you a chance to go in and get your account caught up. The problem is you do not know if they will give you a chance for the 24 hour grace or not there is no clear guidelines. You are told it is at the Bank 's discretion. I have a disclaimer for the 24 hour grace if XXXX XXXX needs it. 

I have written the Consumer and Financial Protection Bureau because of the excessive fees that Huntington has imposed on my account. In XXXX some of them fees were finally returned. 

Our account has been in good standing and in XXXX I found out that huntington took my account from a " Huntington XXXX account '' to a " Asterisk Free Checking '' without notice or my permission. I have asked why and they can not answer my question. They tried to say it was to save me money. Which makes no sense because I did n't ask to have it changed. I did not want it changed and was not notified that it was changed. 

Then on XXXX XXXX, I found out a check I wrote a week earlier was bounced back. I had {$14.00} in my account and thought the check cleared. The check was for {$35.00} and they sent it back. 
I called and called and tried to find out why I did not get " 24 hour grace '' and asked why? They said it was at bank discretion ( We have had 24 hour grace for larger amounts ). Immediately I paid the Overdraft fee to bring the account current. 

On XXXX XXXX, the check went through again. I was charged another {$37.00} on the same check. 

The problem is Huntington refuses to return any money to me. They say they can not return any money because they credited my account too many times. 

I then asked why I was not offered a 24 hour grace and finally I am told " you overdraft too many times and you are no longer eligible '', I asked why I was not notified? 
The bank 's reply was " We do not have to notify you ''.
Consumer complaint received 2016-03-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Total Card, Inc. (MD)

I have received a threating letter from Total Care, Incorporated address XXXX XXXX XXXX XXXX XXXX, Falls, XXXX. 
Phone number XXXX or XXXX file # XXXX Dated of letter received : XXXX XXXX, 2016 I believe this is an overt attempt to collect on credit card that was discharged off my credit report and should n't be sent to my attention at this point. As matter of fact this is an old debt from what the letter states. Its been resolved. I was a victim of identify theft and even though this is coming to me now its been discharged period. 

Current Creditor : XXXX XXXX , XXXX, Named person is XXXX XXXX, Operations Manager Original Creditor : XXXX XXXX, XXXX. 
Original account # XXXX This is nothing but extortion of an old debt which probably was sold to this organization. I want this issue resolved and closed out.
Consumer complaint received 2017-01-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Source Receivables Management LLC (TX)

Collection agency sent me a demand letter on XXXX XXXX, XXXX giving me 30 days to dispute. I notified them I had no knowledge of this bill with XXXX and that it was fraud. I contacted XXXX and they confirmed it was fraud. On XXXX XXXX, XXXX I sent the collection agency my police report, my proof of address when the outcome was opened, my ID card, and my notarized XXXX fraud affidavit. The collection agency notified me the same day that they would forward everything to XXXX to get resolved. At this point this item was not on my credit report. I never heard/received anything further from the collection agency. On XXXX XXXX, XXXX I pulled my credit just to check to make sure nothing was reported, however to my disbelief the collection agency was on there as of XXXX XXXX, XXXX. Not only did the collection agency never provide me with documents proving I owe the debt, but they also reported this negative item to my credit report prior to my 30 day dispute timeline. Not only that, but they also reported this to my credit even though they were aware this was fraud.