davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-13
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have been a customer of Bank of America since XXXX, but I have XXXX-30 day credit marks with them. I am unable to get consistent information. I have tried to get the due date changed because I changed jobs. I was even told by customer rep that I had to give the name of my employer to update my information, I advised them I ca n't get calls at my job unless it 's an emergency. They called my former employer several times in XXXX even though I no longer worked there and I told them this information. I want all negative credit marks removed and the credit bureaus advised me that Bank of America can remove them without me disputing it. Bank of America claims they ca n't, I even offered to set up autopay from an account every month. The information given is not correct, Bank of America 's credit department held my payments for no clear reason, even though I never had return payments with them. The customer service rep claimed my bank rejected the payment which was not true at all. I was able to go online with my bank and see the money was already deducted from my checking account already. The credit department even claimed back in XXXX because I made XXXX payments in 1 month, they wanted to make sure the funds were available ( they even acknowledged that I never had a returned payment. I want the credit marks removed due to misinformation that I was given. You do not need my employment information to discuss the account, I was told I had to update my work information. I gave my address because they called my family constantly looking for me and they were very upset about this. My old employer advised me to let them know that I no longer work there.
Consumer complaint received 2015-07-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (NJ)

Roundpoint failed to pay the yearly premium for our homeowners insurance that had been coming out of our mortgage monthly payment. Upon calling them several times, we found out that they " forgot ''. In order to reinstate our home owners insurance, we had to pay a fee which we are now fighting to get back from Roundpoint. Today we made several unsuccessful attempts to speak with someone regarding this matter but were continuously rerouted, hung up on and given the run around.
Consumer complaint received 2016-02-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

While reviewing my credit report, I noticed that an unauthorized and fraudulent inquiries were made by CAPITALONEBANK on XX/XX/2016 & XXXX/XXXX/2016, on XXXX, XXXX, XXXX AND XXXX.I did not authorize these anyone employed by CAPITALONE BANK to initiate any inquiries into my credit. This act was fraudulent and unauthorized, thus, a clear violation of my FCRA and a breach of my Privacy Rights. 
I have requested CAPITALONE BANK to permanently delete these adverse information and/or provide me within 5 business days any written signed documents from me authorizing such inquiries so that I can verify the validity of these inquiries. 
I am requesting that CAPITALONE BANK contact all the credit reporting Agencies to dele these inquiries without further delay as this directly affects my ability to obtain credit, employment and housing.
Consumer complaint received 2016-03-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (NC)

I filed for a loan modification with US Bank, my mortgage company because I am behind in my mortgage. I ca n't pay the mortgage since my husband died, and I had to sell the business. I have significantly less income and ca n't make the payment. I got a letter from the attorney for the mortgage company saying that there was a foreclosure hearing date on XXXX/XXXX/2016. I called them on XXXX/XXXX/2016 but my relationship manager was on vacation. I spoke to another representative who told me that they had received the loan modification application and that it was in review. I asked the representative if they could call the law firm and ask them to postpone the hearing while I worked out a short sale. She told me that it was in review and that they had no sale date and that everything got put on hold until the modification was out of review. Based on that information, I did not attend the hearing on XXXX/XXXX/2016. However, I received a letter this week from the attorney that a sale date had been set for XXXX/XXXX/2016. I am just looking for them to postpone the sale date so I can work out the short sale. I have an investor who wants to buy my house.
Consumer complaint received 2015-12-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Friday, XXXX XXXX, I logged in to my Bank of America Mobile Banking app to check my balance. A XXXX transaction had posted earlier in the day, leaving my account with a negative balance of - {$3.00}. I had {$4.00} transferred to the account to re-establish a positive balance. Later in the day, unbeknownst to me, another transaction posted ( perhaps a tip at a restaurant? But I really have no I idea ) leaving me with a negative balance of - {$2.00}. I was not notified that my account had overdrafted, and I did not discover this until XXXX on XXXX XXXX, too late to put {$2.00} in my account. I was provided with no notice of the overdraft, even though the Bank claims to provide courtesy balance alerts of their own initiative. So, I was charged a {$35.00} overdraft fee. I called customer service, where I was treated rudely and impersonally. I asked for a refund on the fee, which they did not provide, even though I acted in good faith to maintain a positive balance. It has been my experience that transactions with Bank of America post after XXXX, and I am confused about the timing of this transaction, and upset that I was charged the fee, when I could have easily funded the account had I been notified of the situation.
Consumer complaint received 2015-07-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (CA)

The last correspondence I sent the company on XXXX XXXX 2015 pertained to a demand for validation. Midland has failed to provide me validation of the account and at the same time persevered with reporting the account on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).
Consumer complaint received 2015-07-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an address which was also fraudulently used and that is XXXX XXXX XXXX XXXX XXXX, NC XXXX and these accounts XXXX XXXX XXXX XXXX and these others XXXX XXXX XXXX. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-01-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (NV)

I have received mutilate calls from them attempting to collect a debt from a medical visit I never had. If I had visited, my health insurname would have covered the visit and it would n't have cost me {$260.00} like they are claiming.
Consumer complaint received 2016-01-08
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HONOR FINANCE, LLC (MI)

In XXXX XXXX the vehicle was a total loss. My insurance paid Honor Finance off. There was a balance owed by XXXX XXXX for the cancelation of the vehicle warranty. They have been calling and harassing me for months. They even tried to sue me in court. But on XXXX XXXX, XXXX the day of the hearing XXXX XXXX paid them by check for the balance owed. But here it is XXXX XXXX and they are still calling and texting my phone i have forwarded them copies of the email between me and there Attorney with a copy if the check and letter closing the account.
Consumer complaint received 2016-03-18
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

This complaint arises from a dispute in the way the payments were applied to my Capital One card. My concerns are in reference to Credit Card Accountably Act " Require that payments above the minimum payment be applied to balances with the highest interest rates first '' This is sample of billing statements from my Capital One account Statement XXXX XXXX - XXXX XXXX 2010 Interest charge calculation Balance subject to interest interest charge Purchases 18.90 % {$860.00} {$13.00} Cash 22.90 % {$730.00} {$14.00} Statement XXXX XXXX - XXXX XXXX 2010 Purchases 18.90 % {$830.00} {$12.00} Cash 22.90 % {$720.00} {$12.00} Statement XXXX XXXX - XXXX XXXX 2010 Purchases 18.90 % {$800.00} {$12.00} Cash 22.90 % {$700.00} {$13.00} Statement XXXX XXXX - XXXX XXXX 2010 Purchases 18.90 % {$730.00} {$11.00} Cash 22.90 % {$710.00} {$13.00} During the time frame of these XXXX statements, {$410.00} in payments were made, XXXX purchase of {$62.00} was made and {$220.00} and interest and fees were assessed. 
( I have attached the XXXX statements in reference to this complaint ) It appears that payments above the minimum payment may not have been applied to the highest balance first. Would this not result in the account stated to be incorrect? Could you please look into this matter?
Consumer complaint received 2016-02-16
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I opened a savings account with Capital One 360, looking to get their signup bonus. On the account confirmation screen after I had successfully opened the account, it confirmed that I could earn a bonus by maintaining a certain balance for 90 days. I then transferred {$36000.00} into the account and called in to confirm that it would all qualify for the promotion. I was told that I had an ING savings account 8 years ago, which disqualified me from the promotion, even though it clearly stated on the confirmation page after I opened the account that I was eligible ( I have a screen shot of this page, and it is very clear ).
Consumer complaint received 2015-11-07
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC (NC)

I am a XXXX XXXX Citizen and XXXX who the victim of a mortgage scam by XXXX XXXX XXXX. This company scammed XXXX XXXX veterans including me. I never signed for a Mortgage, Loan and never attended a Closing but I am facing foreclosure by Planet Home Lending a debt collector. The Government is suing XXXX XXXX XXXX and several banks for fraud in XXXX US District Court. I am one of those victims. I have been to Court for Foreclosure fighting these debt collectors to no avail. I have testified I never signed a Mortgage and never did a closing. These Courts just proceed. I need help to stop these debt collectors from losing my home. I am XXXX, XXXX and a veteran.
Consumer complaint received 2016-01-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America placed a fraud on my account with XXXX and has yet to show hard core evidence that it was me who placed bad checks into the ATM. I have repeatedly asked them to review ATM video footage and to review whose signatures were on the endorsed checks and still nothing has happen. I even wrote the XXXX and XXXX of Bank of America and I thought it was resolved, but now nobody is responding to my letters, my requests, or my complaints. And still, I am unable to open up an account with any other bank until that has dropped off XXXX or Bank of America remove the fraud status. I even requested Bank of America to allow me to reopen an account with them, but restrict ATM deposits because I earnestly need a personal checking and savings account. I am writing because I feel like Bank of America feel that their size and status as a bank entitle them to report and to harm the lower class people because we can not afford to retain attorneys to argue for us. I hope this agency will not allow Bank of America to treat me like I am nothing and to hold them accountable for their injustice.
Consumer complaint received 2015-12-22
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. 

I have a valid and complete loan modification package that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. 

The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest.
Consumer complaint received 2016-02-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I moved out of an apartment XX/XX/XXXX. The apartment complex I moved out of ( and gave my forwarding address to ) never notified me of an outstanding balance nor did they refund me my deposit. The first notification I received of a debt was XXXX XXXX, XXXX from I Q Data International. I called them in regards to my balance and notified them that I had not received any prior notices from them or my apartment complex. They kept arguing with me, telling me that I needed to contact my mail carrier because they had copies of letters they had sent out back XX/XX/XXXX and XX/XX/XXXX. I asked for an itemized list and they would not send one out to me. I did not receive any notice of a balance nor of my right to dispute the balance. If I had, I would have done so! They balance is over {$1800.00} at this point and I have no idea why! They also failed to include the other tenant in their collections, which they are legally obligated to do! I talked my way through XXXX supervisors to finally speak to a man named XXXX XXXX. He was the rudest person I have ever talked to. He kept saying, " I 'm not going to do anything sir. Are you going to pay your bill or not? '' I simply wanted an explanation as to why I was the only one included on the debt and why my first notification of an outstanding balance came 9 months after I moved out and the account had accrued a ton of interest? After doing some research online, I found that this company is notorious for violating the Fair Debt Collection Act. The Attorney General has shut them down before when they were known as XXXX, XXXX and XXXX. It seems they are still violating my rights under a new name.
Consumer complaint received 2016-02-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Two requests have been sent requesting a security freeze be placed on my credit file as I am a victim of identity theft and want to prevent any further fraudulent use of my credit information. Both requests were sent USPS Certified, which were signed received on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. Included in my request a copy of my police report, identity theft affidavit along with sufficient proof of identity. 
According to Texas 's Business and Commerce Code Sec. 20.034. Upon receipt of my request, the security freeze should have been placed within 5 business days and written confirmation sent within 10 business days. I have not received any confirmation that a security freeze has been placed on my consumer credit file.
Consumer complaint received 2016-01-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC. (OK)

I checked my credit monitoring report via XXXX XXXX and saw that ALLY Financial had instituted a " hard inquiry '' for a national credit card/airlines on XXXX/XXXX/2015. I never authorized or applied to Ally Financial for a airlines credit card. I never gave them authorization to pull a hard inquiry on my credit. This is the first reporting of this inquiry from XXXX/XXXX/2015 on XXXX XXXX. I check my credit every week thru the XXXX site and I would have seen it earlier if it had been reported. I want this hard inquiry removed from my credit report.
Consumer complaint received 2015-11-10
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

USAA Federal Savings Bank fails to mail home equity loan bills in a timely manner, leaving customers with insufficient time to make payment. As printed, the bills provide 25 days before they are past due but the company consistently waits 6 days before postmarking the bills so consumers have just 25 days - 6 days delay - 3 days mailing time = 16 days from receipt of bill to have payment processed by USAA. Then the company shortens the time even farther, because unlike the rest of the USAA organization, USAA Federal Savings Bank refuses to join the online bill pay systems that most customers use today, so any customer who pays via mobile or online banking faces an additional 8 day wait for payments to clear ( instead of the 1 day wait customers expect ), leaving consumers with just 8 days to pay their bill ( or 13 days for consumers who physically mail checks ). I have spoken with multiple representatives of the company about this issue without success and am filing this complaint because those representatives have made it clear they have no internal complaints handling process through which customers can pursue resolution to problems like this without going through external channels like the Consumer Financial Protection Bureau.
Consumer complaint received 2015-11-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was added to a certain credit card as an " authorized user ''. The main reason is the primary did n't want the husband to know she opened another card. She 's in debt badly and uses my card so husband is left clueless. I repeatedly asked the primary to remove me from this card. Of course matters got worse when I requested that. Primary finally contacted the credit card company as did I and requested my total and complete removal. I am not responsible for this bill any longer. I have faithfully paid on this card for over 2 years, charges that were n't even mine but the primary 's. The primary has yet to accept responsibility for the " current balance '' which is not mine. This is making me and my credit look bad which took me years to get my credit back due to a lot of personal reasons. Transunion has been contacted numerous times by me to dispute this and remove it from my credit report. I disputed this mess to Transunion via XXXX XXXX and to them directly.They are the only company still showing this account on my report. All others took care of it immediately. I 'm not sure if I should list the credit cards name? Please help. Thank you for your time.
Consumer complaint received 2016-01-08
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (IL)

In XXXX of 2015 I had made a mistake with a credit card, made a payment in XXXX 's cycle, ( thinking I was making a card payment for XXXX ), they cut my credit line to about {$5.00} what I owed, and now they cut my credit line well below what my balance is now. I do not know what to do, because I do not have the money to pay what they are demanding. What can I do?
Consumer complaint received 2015-12-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc. (OH)

Debt collector has falsely represented itself as working in real-time with my former wireless carrier ( XXXX ). I have alerted them several times to a dispute I have over the amount alleged as my debt, as well as alerted them to a complaint I have with XXXX lack of accurate customer service, or possible intentional misconduct. Requests I have made to have debt collector and XXXX verify my claims of overcharging and deceptive business practices have gone fully ignored. Debt collector tried to furnish xeroxed copies of disputed records as " debt verification. '' Debt collector continues to portray itself as a 3rd party, in the employ of XXXX. The more likely scenario is that they bought the debt from XXXX, and are trying to squeeze every dollar they can out of me.
Consumer complaint received 2016-03-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (AE)

I attempted to purchase a credit report from Equifax website for {$39.00} with my credit card. During the payment processing, I received an error saying the product I requested was not available and I was unable to continue. Upon looking at my credit card statement online, I saw that Equifax had a pending transaction for {$39.00} even though I never received the product. I called Equifax and they said this is normal and I will need to wait 5+ days for it to drop off my account. Pending transactions are deducted from my available credit so I can not access {$39.00} for 5+ days with my credit card. How can Equifax post a transaction for something I never received!?
Consumer complaint received 2015-11-10
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (NY)

While I asked questions regarding to my mortgage and checking accounts on the phone with Wells Fargo, they promo their " Rewards '' credit card and I got transferred to application dept. 

After I applied the credit card over the phone, I never received the credit card. One day, I saw there are a balance of XXXX {$7600.00} on my credit card account ( which I never received, activated or used ). I called there representative and they filed the claim to their Fraud dept. and update my new address and also cancelled the old card and send me a new one. 

After a week, I got the new card but I do not want to activate it until the problem resolved. So I checked online and saw the balance of XXXX {$7600.00} still there. I called their Fraud dept. and found out they denied the claim and they said I was using " Home '' ( fake ) phone number XXXX to activate the credit card ... I told them that is not my phone number. They said that what they have on file and ask me to resubmit a claim through another department called " Reconsideration '' dept. That take another 10 days to allow Fraud dept. to work on a new investigation, they suggest me to pay the balance. I feel very frustrated to deal with their depts ....