davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-03
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

XX/XX/2017 Consumer Financial Protection Bureau / Original Complaint No. XXXX Bank of America / Claim No. XXXX XXXX Inc. / Case No. XXXX In my opinion, Bank of America and its representatives have engaged in supporting False & Misleading advertisement by XXXX Inc. In my opinion, Bank of America has a fiduciary responsibility to protect its customers against corporations that engage in wide-spread exploitation, and under scrutiny by U.S. government agencies. It is common and readily available information that XXXX Inc, is a corporation that is being sued by U.S. government agencies chartered with protecting consumer rights. 
Bank of America is a self-regulated business that should value its customer satisfaction. And protect its customers from Unfair Trade and Credit Practices. In summary, it does seem evident, that informing me of my right to be educated as a consumer, and right to seek redressal has been suspiciously absent and ignored by Bank of America and its representative. As a consumer, I give Bank of America a poor consumer satisfaction rating. In my opinion, Bank of America representative XXXX ( Resolution Specialist ) did not address this issue, which was core to my complaint with the CFPB. 
Further-more my customer service experience with XXXX has been poor, since she has been non-responsive to the phone voice-mails left by me and my representatives. XXXX list her contact information as XXXX, ext. XXXX. She stated in written correspondence that she is available XXXX XXXX to XXXX, this has not been my experience with XXXX . 
Further Evidence of Fraud / False Advertisement In written communication provided by XXXX Inc. to Bank of America , XXXX Inc. claims that I signed their Self-Serve contract. Yet Bank of America had not acquired any contract with my signature. Why? Bank of America took on face value the word of XXXX. Why? If XXXX. asserts that I signed up for a complete Self-Service, then why would they also claim to charge for an auto-bidding strategy ( listed on page 1 of 5, 4th paragraph )? Why did n't Bank of America question this glaring contradiction? XXXX. claims to provide services for 2 business locations, why would I contract for 2 business locations, when 1 of the locations was closed and I was moving to the new business location? I only have 1 business location. 
cc. Federal Trade Commission
Consumer complaint received 2015-10-06
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I had ( XXXX ) XXXX Capital One Credit Cards. XXXX was for business, and the other personal. I had always tried to be timely on payments. I worked late a lot, and at the time their web page stated that payments could be made until XXXX. There were times there I would get home late from work and not submit my payment until close to XXXX. They would then charge me a late fee. I complained several times. They told me payments made after XXXX were late, but still accepted until XXXX. The web page did not say that at all. Then the real problem began. I would get on to make payments and I would get several errors like " you request did n't go through '' or " the site is down. '' This would happen frequently. This would then cause the payment to be late. I did not know what to do. I have tried several times to remedy this with them but they continue to claim that I never contacted them. I will attach several letters. Upon request, I have several letters from the Attorney General of Indiana also. I feel that they purposely mislead people on the payment acceptance. This caused me to go into default and now stuck in collections. I went into default because they would charge late fees, cause the limit to go up and then charge over limit fees. There must be a remedy to this before I am forced to obtain a lawyer. This has resulted in MASSIVE interest rates when trying to obtain credit from reputable sources, including countless hours spent researching and fighting this matter.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

My account was closed because of fraud and unauthorized transactions performed by a XXXX hacker cell that took over my account both checking and my credit card. I filed a dispute for funds that were stolen from my account by this same individual for {$1700.00} and the day I was supposed to receive those funds returned to me was the day they chose to close my account after my account was flooded by deposits from XXXX that was caused by this hacker in my account I had no control over. I filed for identity theft with XXXX and with the FTC and Capital One determined that it was indeed identity theft yet they have not given me back my account nor have they returned my disputed funds that were stolen by the hacker that I was denied and I desperately needed. This action has caused me to lose my fifteen commercial trucks and trailers as well as my storage units because I could not pay the rent on their storage. I would like to have the opportunity to have my accounts both checking and credit card reestablished and my funds returned to me. The treatment Capital One gave me was completely unfair. I was treated as if I were the actual hacker creating chaos in my account but I was not and had nothing to do with what he did nor would I have had any part in it.
Consumer complaint received 2015-11-12
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I have a credit card with Bank of America. I opened an account with the Bank XX/XX/XXXX. During that time I have had many issues with fees being charged. After opening my account, I got a credit card associated with the checking and savings account. I closed all of my Bank of America accounts XX/XX/XXXX, but I kept the credit card. 

I made a payment of {$200.00} on the credit card account, attempting to use their billpay service as my payment service through my primary bank, XXXX, can be unreliable. For some odd reason, the system was n't taking my information so I abandoned the efforts to use their account, re-entered all my information through XXXX, and made the payment through XXXX. Bank of America took the XXXX payment, but then also tried to process the second payment. And charged me a returned check fee to boot. Notably, I was NOT using a check, merely their payment system, which failed. 

The bank then closed my card at some point ( I am not sure when ; the account appears open online, but I was transferred to collections when I called about the fee ), and they are refusing to refund the fee. They even refuse to tell me who to contact to request that the fee be refunded. I 've made XXXX separate requests and been transferred to numerous departments.
Consumer complaint received 2017-01-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (CA)

XXXX - {$170.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within 30 days of XXXX/XXXX/2016 please remove accounts from my credit report.
Consumer complaint received 2015-06-09
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I deposited some money with Capital One 360 to try it out about a year ago. I called today to tell them to close the account and send me my pitiful account balance. I was told that I have to validate the test deposits before I can close my account and get my money back. So they had no problem taking my money in the XXXX place, but when I want it back I have to jump through hoops to get it. I have never heard of this process with any other institution. It is not about the money, it is about the stupid process to get my money back ... I thought they were " No Hassle ''
Consumer complaint received 2015-11-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (GA)

On XXXX XXXX, 2015 I received a notice from my mortgage servicer ( Shellpoint Mortgage Servicing ) that my mortgage was past due for the XXXX XXXX, 2015 payment. I promptly contacted them and faxed proof that my payment had cleared my bank account on XXXX XXXX, 2015 through electronic payment with a note indicating payment went to them. I have since spoken with XXXX representatives and XXXX manager and still can not get this matter resolved. I have been placed on hold for 15 minutes, disconnected twice, and have left numerous messages. On XXXX XXXX the manager, XXXX XXXX, indicated that they had verified my payment arrived in their bank account on XXXX XXXX, 2015 and they were trying to get it transferred to my loan account. I informed him that was very concerned about the late fees, interest accruals and credit reporting issues that come with this type of error. In fact as of XXXX XXXX, 2015 my account was showing as being 30 days late in their system and subject to credit bureau reporting. I have not heard back from anyone since XXXX XXXX, 2015 regarding a final resolution and would appreciate it if you could help.
Consumer complaint received 2016-02-05
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ditech Financial LLC (IA)

I have a loan with Ditech ( GreenTree ) that was originally with another company. When I requested a payoff quote there is a corporate advance fee for around {$560.00}. When I called I was told this was for a deferred payment I had. My payments have always been around {$100.00}. I do n't know how or why there would be a deferred payment in that amount in XXXX of 2013. After reading some complaints, I am wondering if this " deferment '' happened when the loan was transferred from whichever company had my loan before GreenTree. I also wonder why the fee only shows up on my payoff quote and not my monthly statement. Are they hoping to sneak in something if I were to pay it off all at once.
Consumer complaint received 2015-11-10
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ditech Financial LLC (FL)

A Deed-in-lieu ( DIL ) of Foreclosure was negotiated with my lender GreenTree and an acceptance of the terms was delivered on XX/XX/XXXX. In the acceptance letter, GreenTree stated that " Acceptance of this DIL is a " FULL '' satisfaction of this indebtedness. " on XX/XX/XXXX I ran my credit and noticed on XXXX Ditech Financial LLC., started to report me ( 3 years later ) as having a mortgage balance of XXXX which is incorrect and should have been shown a satisfied. I think this also is against the new debt collection law in Florida after a foreclosure, short sales or DIL regarding the collection period. Ditech is ignoring my request to remove this error in reporting even after I set them this information.
Consumer complaint received 2016-06-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MI)

Navient is harassing me by calling me multiple times a week as well as calling family members ( grandparents, parents, and siblings ). I communicated with them over the phone and yet they continue to leave messages with various family members after I have spoken with them. They have left personal information on the voicemails of family members and have threatened to take action. They have not been easy to communicate with, they have been extremely rude, and I am struggling to reach an agreement with them. I am sending them payments monthly but they are refusing to work with me and continue to threaten legal action. I have never dealt with a more difficult company.
Consumer complaint received 2015-08-28
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a mortgage with Bank of America back in 2012. My loan was modified by Bank of America however there was a clause that I would take on an additional XXXX dollars. Bank of America added on XXXX XXXX onto my principal balance and for no specific reason except that they could at the time. They told me If I wanted a modification on my loan I had to take on an additional XXXX dollars. They are acting with fraudulent behavior to charge me for something I never received. I would like this amount credited to my existing loan, since it was a interest only loan. I was paying them interest on top of the additional XXXX.
Consumer complaint received 2016-03-06
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Santander Consumer USA Holdings Inc. (CT)

Dear States Attorney, I 've taken during the past 60 days, to date SANTANDER has not resolved my issue. Can you please support me in resolving this matter as I have followed all the necessary steps in disputing provided to me by the Federal Trade Commission, and the CFPB but have not been successful. Should you need any other information, please let me know. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-09-29
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The reporting constitutes an outdated demerit past the legal time limit and collection of the initial matter exceeded the California Statute of Limitations of 4 years and should be removed. 

There was a dispute regarding application of payments towards account which led to a discrepancy in the crediting of payments made, a negotiation took place and favorable results were obtained, however the company did not follow our stipulation and erroneously made incorrect payment remarks on my account. Problems occurred with customer service not be effective in resolution of the problem. I contend that I was in complete compliance with the payment terms and conditions and that all payments were made in a timely fashion. 

After a lengthy continued negotiation on the matter illegal collection continued which exceed the statute of limitations- 4 years. The debt is illegal, contains outdated demerits and must be removed as it exceeds the legal time limit. All payments were made in a timely manner and in a sufficient amount as not to be a contractual violation at a time when the contract was valid.
Consumer complaint received 2016-07-05
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (AZ)

Background : I had a joint XXXX bank account for years with my partner. We both put our paychecks in the bank and made payments on various bills, some of which were in his name and some of which were in my name. My partner and I split up in XXXX XXXX. I removed myself from our joint bank account on XXXX XXXX, XXXX but the account remained active under his name ( XXXX XXXX ). 

On XXXX/XXXX/XXXX I received a phone call from my car loan lender stating that I immediately owed them approximately XXXX months of payments or the lender would repossess my car within the week. The lender told me that XXXX XXXX XXXX had pulled back all of the payments I made in XX/XX/XXXX for the car. I subsequently found out that all payments from that joint XXXX XXXX XXXX account in XX/XX/XXXX to my credit card with XXXX XXXX was also reversed as well, so I now owe the credit card companies thousands of dollars. 

I have already contacted the consumer protection finance bureau regarding XXXX XXXX XXXX but I have to do it as well now with Santander Consumer USA. In order to get these transactions reversed XXXX XXXX XXXX says I need documentation stating why the transactions were reversed from Santander Consumer USA. I contacted them, but Santander Consumer USA is stating that its payments are done through a third party and they ca n't give me a reason for the reversed transactions. They ca n't provide me with the name of the third party either and are telling me to go back to XXXX XXXX XXXX for the information. 

However, now that I 'm no longer on the XXXX XXXX XXXX account, XXXX XXXX XXXX is refusing to provide that documentation as well. I need Santander Consumer USA to release this information or at least the name of the third party so that I can get written documentation as to why these payments were reversed.
Consumer complaint received 2016-01-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Service of Central Washington, Inc. (WA)

A judgement was granted ( XXXX ) but the amount the collection agency is attempting to collect is incorrect. A check totaling the amount of {$130.00} was cashed and the balance should a lower balance.
Consumer complaint received 2017-03-23
Product: Prepaid card — Mobile wallet
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc. (WA)

Hi, I was unfortunately a victim of fraud through REloadit packs. This is not REloadit 's fault, but when I realized that I was being defrauded I called them right away. I had to speak to many different customer service reps until someone understood what I was talking about. When they looked up my REloadit packs, they said they were added to two different REloadit Safes which still had funds on them. I was told that the REloadit Safes were frozen, but that I would not be able to get my money back since I had been the one who " authorized someone else to use my packs. '' I think if the money is there, the fraudster 's account was frozen, and I am providing proof that I purchased the packs, I should be able to receive my money back.
Consumer complaint received 2016-04-14
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX is my new Foreclosure Auction Sale date. This is the 3rd one since XXXX and I 'd like it postponed. 
Why? I 've been in loan modification XXXX with Chase bank since XXXX of XXXX and have yet to receive an answer! 
Current on my payments until XXXX XXXX, I was advised by Chase that I had to be a minimum of 3 months behind to qualify for their loan modification program. At that time my loan was {$420000.00} and the value approximately {$80000.00}. 
For nearly FOUR years, Chase has repeatedly removed my COMPLETE file from Underwriting, requesting information they 've already been given multiple times, confirmed by my fax receipts. I have provided everything they 've asked for many many times and have resorted to sending documents ONLY from a CHASE bank so that they can no longer claim to have " '' not received '' them. They 've even claimed to have lost my file entirely and I 've had to start over ... once more. 

Now, today, another new contact person ( XXXX since XX/XX/XXXX ), requesting documents they already have, while keeping the XXXX XXXX foreclosure auction date in force. 

This is emotional blackmail. 

According to the Office of the Comptroller of the Currency, Chase bank is STILL out of compliance with their XXXX bailout/fines deal, continues to violate the Homeowners Bill of Rights and are Duel Tracking. Where is the accountability? 
Under NO circumstances ... 9 years after the market crash and 4 years AFTER XXXX deal with the gov't, does it take almost FOUR years to determine if a person qualifies for a Principle Reduction for a severely underwater loan which today has inched towards HALF of the loan amount in value! 
Please intercede on my behalf and stop this foreclosure and insist that Chase Bank comply with one of their options, a Principle Reduction for Severely Underwater Property, that they agreed to in exchange for their taxpayer Bailout. 

Thank you
Consumer complaint received 2016-09-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

On XXXX XXXX, 2016, I opened a Citigold checking account with a promotion code I had received ( promotion XXXX ). The promotion promised an award of XXXX XXXX XXXX miles upon completion of {$1000.00} dollars in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. 

I completed all the necessary requirements on XXXX XXXX, 2016. According to the terms and conditions of this offer, the checking account would have to remain open for additional ( 90 ) days after all requirements have been met. Therefore, by XXXX 2016, I should have received XXXX AAdvantage miles in my account. However, no miles to date have been received. I have contacted Citi Bank about this issue and they are now claiming that this promotion was not offered in conjunction with my account.
Consumer complaint received 2015-07-31
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Bank is presently advertising this special savings account : XXXXWhen I contacted them to open this account, they refused to extend the offer to me, saying that I had an account there once before ( which I closed in good standing XXXX years ago, in 2007 ). I have excellent credit. There is no reason for them to refuse to let me open this account now. What do you think?
Consumer complaint received 2015-12-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC (VA)

I have dispued this before. This is not mine I have asked for proof of how this phone account happened. No one can prove where I have signed for this no ID for this or anything. Also this was to have been in 2009 so should it not be removed anyway?
Consumer complaint received 2016-05-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Aspen Yo LLC (FL)

1 I have been paying my mortgage to Gregory Finance Company for 3 years and now I need to refinance my mortgage. They have not sent my payment history to the credit bureau. 
2 I was verbally told by them I need to pay {$1800.00} to bring my account current which was due to some disputed charges. I was to get back {$5900.00} in escrow and to date they have refused to pay me back my escrow overage. I could not get any written communication from them