davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-22
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I recently applied for a debt consolidation loan to pay off XXXX creditcard debts with Capital One, but I was told that the XXXX creditcard debts had been discharged. Capital One continues to send mebills every month and I send them checks for those cards. 
If the debts were discharged, the bank is allowed a tax deductionfor uncollectible bad debt, but they are collecting payments every month. How could the debt be UNCOLLECTIBLE? Each monththe statement shows a REMAINING balance. If the bank wrotethis debt off, where are my payments being credited too? 
Is the bank entitled to a tax gain, as per the write off, while stillcollecting payments? If not where are payments going?
Consumer complaint received 2016-01-15
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (VA)

Contacted XXXX XXXX XXXX XXXX XXXX XXXX about an unauthorized charge for {$24.00} on my XXXX card. The agent claimed that I signed up for this service via phone in 2012 and incur a charge every time I use my XXXX card to rent a car. I have no recollection of signing up and I have never received notification of this service from XXXX or this XXXX subsidiary. The agent was most unhelpful and claimed that they would not refund the charge because I had already availed of their service ; he also cut me off when I asked to be transferred to a supervisor. I called back and spoke to a lady named XXXX XXXX, with much the same result- very unhelpful- and they claimed that the only way I could get proof that I did sign up in 2012 was if I subpeonaed their records. I then called XXXX XXXX directly and spoke to an agent named XXXX who claimed that according to his information I had signed up for this service via the Internet. When I explained that the agents of the subsidiary said that I signed up over the phone ( and that I had no recollection of signing up for this via phone or internet, nor did I have any confirmation of signing up or any other documentation ), XXXX confirmed that according to his records this was done over the internet. He was also slightly more helpful in that he said there might be a way to reverse these charges. I said that I was fed up with the terrible customer service that I had experienced with XXXX and I proceeded to cancel the card. I have also filed a charge dispute with XXXX on their website.
Consumer complaint received 2016-01-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime (GA)

Good morning, this is my third complaint about this company. My last complain number is XXXX. This company is a master of deception. Our first complain was in XXXX. they said they would help us with the repairs of the car, and now their offering to pay us XXXX out of a XXXX dollar tab. Than i offered them to accept if they would finance the XXXX and they said no. And then i offered them to help me with the XXXX and i would buy my own engine, and i would have my own mechanic put it in and they said no. And then the representative claims we drove XXXX miles when the claim clearly states the problems were present before we bought the vehicle. They are unwilling to work with me.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

ChexSystem Has caused me a lot of stress because of what they are reporting on my credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus are reporting on my credit profile!! 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) the banking system is dependent upon fair and accurate credit!! Even the Debt collector is reporting inaccurate information on my profile!! ChexSystem never informed me what's going on in writing to get the issues resolved, per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( 2 ) is {$1000.00} per violation! This company has caused me a lot of problems, I can't get good rates on insurance or credit or a loan!!!
Consumer complaint received 2016-02-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SUNRISE CREDIT SERVICES, INC (TX)

I received a call from XXXX with Sunrise Credit Services on behalf of XXXX. Stating that I owe XXXX plus dollars for an account in collections. If I dont make the payment immediately legal action will be taken. I explained that I have lived at the same address since coming into the country and I have not had cable services since receiving my SS # in XXXX 2015. I sent them a letter requesting to verify that the debt is mine. I have yet to receive, this information. I have never used my bank accounts to pay XXXX anything, I have never had an account with XXXX. Im not sure if ss # are recyled or not but Ive been having the same issue with aother accouts appearing that have nothing to do with me. I have supporting documents from the FTC and XXXX Police Department.
Consumer complaint received 2016-02-05
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE (AZ)

A charge on my XXXX periodic statement from Barclays Bank was identified as having been posted to an account number that was closed by the bank due to a security breach in XXXX. A new account number was issued in XXXX. The bank was unable to explain how a charge ( which was, in fact, unauthorized ) could be posted to an account that had been closed by the bank due to a security breach 17 months earlier. I was initially advised that the charge would be removed because it was unauthorized, but because it was a card number I had previously held, my current card number would have to be changed.
Consumer complaint received 2016-02-05
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: Cottonwood Financial Ltd. (TX)

The purpose of this complaint is based on a rejected loan application to the following : THE CASH STORE - # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX Application was completed in person on XXXX XXXX XXXX at XXXX and was rejected. 
Previous application was submitted on XXXX XXXX XXXX and was rejected. 

Demographics for the applicant are the following : XXXX Veteran, XXXX XXXX income only XXXX, over XXXX, no XXXX.
Consumer complaint received 2023-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2016-02-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (WI)

I am the co-signer on the loan for my son. He is unable to take off work to submit a complaint. XXXX College in XXXX, WI is the name & location of the school. We took out this loan in XXXX and were not provided with the note disclosure statement which said that the total amount due by the end of the payment period was {$46000.00}. Had we seen that paperwork, we would n't have taken out the loan. Due to our lack of ability to make all of the payments on time, our {$12000.00} loan now has a balance of {$13000.00} as of XXXX/XXXX/XXXX. We contacted AES the servicer to determine how we could rectify this situation and were told to make {$73.00} payments. We began making {$75.00} payments XXXX XXXX of XXXX. We were unaware that the payments being made were only covering the interest. Our payments have increased to {$160.00} a month and have been consistent since XXXX of XXXX. We understand that our interest has accrued due lack of payment but since we were not made aware of the full amount we would be required to pay, we would like a concession on the remaining balance.
Consumer complaint received 2023-10-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC. (GA)

Due to divorce and financial hardship, I had to file for bankruptcy in XXXX. I assumed my private student loans with Navient would be XXXX, but they were not. A Navient provided inaccurate information in relation to my ability to discharge the private student loans. In reading a article a couple of days ago, I learned my private loans with Navient could have been XXXX via bankruptcy. Due to Navient putting me in forbearance, interest applied has cause the XXXX private Navient loans to grow XXXX to XXXX times what I originally took out. As a result, literally all of my plans were going toward interest and not principle. Due to having knee XXXX, I was out of work for a couple of months. Due to being out, I have not been able to make payments since XXXX, XXXX. My question is... can my Navient private loans be XXXX via my XXXX bankruptcy? Or, can a lump sum settlement be derived to finally resolve my XXXX private Navient student loans? 

Note : The originally approved loans were approximately XXXX. With interest applied, the loan amount is over XXXX ... XXXX in interest alone
Consumer complaint received 2016-02-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

Dear Sirs, We have been requested help several times to keep our home, we were providing all documents requested by the bank : last year was Green Tree now they change the name to Ditech. It is very frustrating, after 5 days they have received last paperwork required and the file was complete for review they said that we do not qualify to obtain a home affordable payment even when my husband was unemployed and our loan investor is XXXX. We want your mediation to assure they going to review our file ans we want to ensure that our paperwork will presented to our final investor, we hope they will have the time to see if there are any options that might help us to obtain an affordable payment to keep our home. Once again, we have submitted the complete package, it was uploaded into Ditech system. It is very hard situation for us, we are trying do not fall behind in our monthly mortgage payment but every day is more difficult and the bank. I know this is one of the loans that XXXX XXXX XXXX has been transferred to several companies. We do not want fall in our mortgage payment, we are asking for help to obtain an affordable payment in these moments when our situation is become very difficult.
Consumer complaint received 2015-07-22
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (IL)

I was sold per Wells Fargo a fraudulent loan, what was supposed to be a XXXX FHA loan turned out to be a reverse foreclosure loan which requires adifferent set of documents and applications. 

My loan was a violation of federal regulations and with illegal overcharges. 
The sellers were at the closing and received a check for the purchase. 
I was blinded with this being my XXXX home purchase. This is a deplorable acttowards a senior citizen with this being a XXXX and over community. I haveworked long and hard for over XXXX long years as a XXXX and now in myretirement time I find myself homeless. 

Wells Fargo has been unsympathetic regarding this matter. I have beenphysically ill and hospitalized over this matter. My siblings and I were taught topay our bills and follow the law, but what I have found is an unjust sentence inmy golden years. My life is at a standstill and I find myself aborted back to XXXXyears ago when I was capable of working XXXX hour shifts, This has become aliving nightmare.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

0n XX/XX/XXXX i went to the dealership to lease a vehicle under my company 's business I GAVE THEM MY CREDIT REPORT ALONG WITH MY COMPANIES INFORMATION. 
THEY HAD NO RIGHT PULLING A CREDIT REPORT WHEN I ALREADY GAVE THEM MY REPORT. 
A MONTH AFTER I RECEIVED THE VEHICLE, I NOTICED THAT DEALERSHIP WHICH IS XXXX OF XXXX XXXX XXXX XX/XX/XXXX ) AND XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  ) THEY WERE NEVER AUTHORIZED XXXX PULL MY CREDIT REPORT NOR DID THEY HAVE CONSENT TO PASS MY INFORMATION TO A THIRD PARTY EXPERIAN SENT ME A LETTER ( SEE attachment ), STATING THE INFORMATION IS ACCURATE WHICH IS FALSE. AND THEY NEVER SENT EVIDENCE TO PROVE I AUTHORIZED THESE INQUIRIES. 
I ALSO SENT A LETTER TO THE LENDER ( SEE ATTACHMENT ), LETTING THEM KNOW I NEED TO SEE EVIDENCE
Consumer complaint received 2023-10-28
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY (WA)

Hi CFPB, My complaint is related to deceptive and predatory practices that I have experienced being employed by two different store-credit card agencies as it relates to promotional interest-free periods. One was on a card through XXXX XXXX XXXX ( furnished by XXXX ) and the other through a west-coast jeweler ( Shane Co XXXX card furnished by TD XXXX ). 

These stores will offer promotional interest free purchases as long as the balance is paid off by a certain date. All that is good, but both employ practices where in the final months of the interest free period, they will apply payments in the excess of the minimum payment to the deferred interest that is NOT OWED to the creditor until the promotional period lapses with a balance owed to the creditor. 

Using some basic numbers to illustrate what they are doing, a consumer makes a purchase of {$2400.00} with a 12 month deferred interest period and makes payments of {$200.00} a month for 12 months. The minimum payment is {$25.00} per month, interest accrues and is deferred over that period. by the time the consumer gets to month 11, they have made {$2000.00} in principal payments, with {$400.00} left to pay off. However, these two creditors ( and I am sure others ) take month 11 and month 12 payments of {$200.00} each and apply {$25.00} ( the minimum payment ) to principal balance, and the remaining {$170.00} is applied to deferred interest. 

This is predatory since a reasonable consumer will figure that they need to pay off this balance in 12 months with 12 equal monthly payments of {$200.00}. Instead, they pay {$350.00} in to deferred interest in the final two months and then the promotional interest period becomes null and void because they did not pay off their balance within 12 months. This is in spite of making on-time payments towards their principal balance and being under NO obligation to pay the creditor a XXXX of interest under the clear and obvious interpretation of the creditors marketing. 

In the attached email TD XXXX admits to the practice and I can appreciate the reminder, since I went through this with XXXX XXXX However, not everyone pays as close attention to their email, and this is still fundamentally stealing interest payments from customers who do not owe the interest.
Consumer complaint received 2016-03-22
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

My loan has many, many mistakes from predatory lending when I did not qualify. I 've been told from many real estate Lawyers to file a complaint. I 'm XXXX and on SSI and been in my condo for 28 years. Also I had a research company run my loan and found over XXXX discrepancies,,, help me please. Wells Fargo say it 's fine.I WANT TO KEEP, MY CONDO, THANKS
Consumer complaint received 2016-03-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: STATE FARM BANK, FSB (TX)

I am on collection from a circuit court in XXXX, Texas from a company that I have never conducted business with. The company is State Farm and I believe the amount is {$500.00}. I have never purchased any kind of product from them. I have never received anything from them. I 've never been associated at all with this insurance company so I do n't understand how I owe them anything at all.
Consumer complaint received 2015-07-22
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (WA)

XXXX has been illegally attempting to collect an alleged debt from me, including by sending letters and by filing a lawsuit in XXXX XXXX XXXX Court XXXX No. XXXX ), even though the debt is barred by the applicable Statute of Limitations. 

I have provided XXXX attorney, XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX law firm, with a copy of the original contract, showing that the alleged debt is governed by a choice of law provision that makes State of Nevada law applicable to the contract at issue. Nevada Statute of Limitations ( SOL ) is four years on credit cards ; however, the debt was approximately 5.5 years old when XXXX attempted to collect the debt by filing the lawsuit. 

XXXX XXXX, and thus XXXX, has not responded to my email sent to him on XXXX XXXX, XXXX, asking him to dismiss the case with prejudice. Nor has the case been dismissed to date. In the email, I advised him that I had sent him a copy of the original contract, under separate cover by mail. I also provided him with information about how to access a second copy of the contract using the CFPB Credit Card Agreement database. 

Exhibit A - Original XXXX contract from my records, showing Nevada choice of law provision on page 4 ( APPLICABLE LAW ). 

Exhibit B - Copy of XXXX version of same contract from CFPB database, which also contains same provision. 

Exhibit C - Letter from HSBC showing that last payment on account was apx. 5.5 years prior to the filing of the lawsuit. 

Exhibit D - Printout showing ongoing lawsuitXXXX XXXX XXXX XXXX XXXX No. XXXX ) Exhibit E - Email to XXXX XXXX XXXX to which has not been any response to date.
Consumer complaint received 2016-02-06
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CA)

I signed loan documents with Chase to refinance from a 15 - 30 year and pay off debt. All of the documents related to Loan No : XXXX have been sent via email XXXX/XXXX/2016. I am working with the XXXX person and they are asking for doc 's that were provided to initial loan specialist. About XXXX or XXXX different people at Chase have various pieces of documentation. 
I was blamed by XXXX agent not knowing that my home was held in trust. 
Now I have liens pertaining to " Keep your Home California '' that were missed, and agents that do n't understand the program. 
I am handicapped, and under the care of great doctors @ XXXX. 
Should n't it be easier than this?
Consumer complaint received 2015-09-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (PR)

The bank will not allow us to modify the loan directly with loss mitigation or with our agent dealing directly with loss mitigation they are requiring us to deal with the banks attorney as a middle man and we are not happy with the lack of contact, this is in violation of XXXX XXXX and CFPB regulation, also the bank did not properly segregate or provide clean title and refuse to give us copies of our closing documents under a RESPA and TILA request. 

the bank did not properly segregate or property or our house we are now situated on XXXX lots and only XXXX belongs to us, will provide proof with this letter. 

at the time of closing in 2007 we had asked for a copy of our closing documents and they had told us they will mail them, we have never received them, we ave asked for them several times and never received them, our attorney asked for copies under a court motion and we still dont have it, we have been to the tax collector, ( CRIM ) and they had showed us that the bank has the house on the wrong property, our house is sitting on XXXX lots, only XXXX is ours. 

we have someone assisting us in the loss mitigation and the bank refused to work with us our assistant during our mediation and forcing us to work with the attorney instead of the bank directly even though attorneys are not allowed in mediation. 

and we want our copy of closing documents complete, to include our Good Faith, HUD XXXX and copy of all insurances I purchased such as Title Insurance, Appraisal, Segregation, Survey, and any and all copies included.
Consumer complaint received 2016-02-03
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

Contacted 'law offices ' and could not get proper balance when requested. Also having paid on this debt for over 1 year have never received quarterly accounting of the debt while the consumer makes payments. 

Unsure what is currently owed and lawfirm has told me I must keep paying.