davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-05
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have been banking with Capital one bank for about 5 months now and back On XXXX XXXX between the hours of XXXX XXXX and XXXX XXXX I went to a capital one bank in XXXX TX to deposit {$260.00} in the atm so i could go school shopping for my daughter and not have to pull out cash and just be able to swipe my card. Ive had bank accounts since I was XXXX years old and never had atm issues so as i normally do I stacked up all my bills followed instructions on screen and gave the atm {$260.00} then the atm said their was an error reading my money and then cancelled the transaction and my money was never deposited and never returned to me. I immediately went in the bank and they said there was nothing they could do because they have nothing to do with the atm outside and gave me an XXXX number to the atm department and claims department. I called them but since it was a saturday they said all they could do was send out a request to look into the issue and contact me in 7 business days. So that Monday morning on XX/XX/XXXX i called the bank is XXXX and asked for a manager, i explained the issue and she transferred me to claims. The claims department issued a credit of {$260.00} and I thought my issue was taken care of, I was relieved and forgot about the issue until a month later in XX/XX/XXXX I received a letter stating there was no error in the ATM and i am required to pay back {$260.00} or my account will be negative and will affect my good banking credit. The claims department said they would have to call me back again after i said I do n't feel I should have to pay this so after ending that call I called the bank where this event took place and asked if they could review security camera form that date i need someone from this company to be on my side and can help me prove that this atm took my money so the man at the bank location looked at my account and said the issue was that they gave me a credit of {$260.00} twice and thats why i got the letter even though according to my transaction history it only shows XXXX credit and according to the letter they sent me it does n't say I was issued XXXX credits by mistake it says I need to pay back the {$260.00} because the there was no error on my account or atm. I am getting XXXX different stories and based on what I know happened and on the documents I have the atm took my money, they issued me back my money and now they are saying im lying and i need to pay it back. But the bank and the claims department are giving me XXXX different stories. Its just not fair.
Consumer complaint received 2016-12-06
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have been unsuccessful in getting Capital One Credit Card to refund to my Capital One checking account an overpayment that was made to my credit card in XXXX 2016. On XXXX XXXX, 2016, I noticed a double payment to my credit card had been made from my Capital one checking account. ( How that happened is another story ; suffice to say Capital One 's online payment system does not prompt you to verify either the amount of the payment or that you in fact want to make a payment. It just processes the payment for the full amount due as soon as you click in an email the " PAY NOW '' button. That seems to be a major flaw. ) In any event, on or about XXXX XXXX I called Capital One and asked for a refund of the extra payment amount. They agreed to do so. On XXXX XXXX, 2016, they debited my credit card for the overpayment, but the money was never refunded to my checking account. However, on XXXX XXXX, 2016, the credit card division surprisingly reapplied the amount back to the credit card. When I called on XXXX XXXX to inquire, they claimed that I had instructed them to re-apply the funds back to the credit card -- something I never did. I again asked them to refund the overpayment back to my checking account. On XXXX XXXX they again debited my credit card account. But as of today, XXXX XXXX, the refund is still not in the checking account. After 1.5 hours on the phone with them today, I was told that on XXXX XXXX all that happened was a " request to initiate an investigation '' as to whether the funds should be transferred, a process that takes 5 calendar days and, if approved, the transfer would take an additional 5 business days to appear in the checking account. However, no one at Capital One, either in banking or in the credit card division, could verify that the transfer had been approved. I have lost confidence that Capital One 's credit card division can handle this seemingly simple request, and ask that you intercede on my behalf. Thank you.
Consumer complaint received 2015-07-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NH)

Trying to get PMI removed and went through Ocwen 's process to have a new appraisal. Once that was done we had to put {$780.00} more toward principal to have PMI removed, sent in {$800.00}, they put it toward escrow. Got that fixed then they went back to our appraisal from 3 years ago. Now trying to get it removed before the 90 period is up for them to use the current appraisal.
Consumer complaint received 2016-09-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

I have requested our mortgage lender, OCWEN Financial, cancel our PMI because we should be qualified to do so at this time. I have emailed them 3 separate times and they have continued to ignore my requests. What can I do?
Consumer complaint received 2017-02-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NC)

During XXXX our home experience damage, {$20000.00} worth, the mortgage company stipulation on how the funds can be released were too severe and we could not fulfil the demand by the mortgage company. By the time I was able to move out to get repair started the mortgage company started back the repayment plan. I am now renting and they want me to start paying back the mortgage.
Consumer complaint received 2016-06-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Emmett L. Goodman, Jr., LLC (GA)

yes I have tried several times to settle this mater witht the company as I was paying them insurance in case I lost my job. Instead of the company honoring their end. They are not falsely suing me
Consumer complaint received 2015-06-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MD)

Refinanced in 2013, and another mortgage co.bought that mortgage contract. They raised my monthly payment from? XXXX a mo. To {$1600.00} a mo..they say I was behind in my escrow. Never missed a payment and had to pay XXXX months of escrow when I refinanced.they said if I payed the extra {$160.00} a mo. For XXXX months, it would go back to {$1400.00} a month. Now I 'm paying {$1500.00} a month and I want the money back. I also want them to honor the original contract and make my payment {$1400.00} again.
Consumer complaint received 2016-08-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: DataMax Corporation (IL)

This debt was already paid, however it was n't mine, and it 's on all XXXX of my credit bureaus saying it was a paid collection. They never removed it! A {$96.00} debt!!!! Seriously?!!!
Consumer complaint received 2016-07-01
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I feel harassed by the Capital One credit card division. In the last 30 days I have received two emails form Capital One stating as below ( in quotes, italicized ) : " Our fraud defenses flagged one or more purchase ( s ) below as unusual for your VISA SIGNATURE card ending in XXXX. Do you or an authorized user recognize these purchases? If we 've already spoken about this, you can ignore this email. 

Some things to consider when reviewing your purchases : If a dollar amount differs from your record, it could be a pre-authorization. For example, many gas stations pre-authorize an amount ( usually between $ XXXX- {$75.00} ) because they do n't know how much gas you 'll pump. 
If a purchase is legitimate but you want to cancel it, you have to contact the merchant directly '' Email XXXX XXXX, XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX {$79.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$9.00} XXXX XXXX, XXXX XXXX XXXX {$20.00} XXXX XXXX, XXXX XXXX XXXX {$13.00} XXXX XXXX, XXXX XXXX # XXXX {$21.00} Email XXXX XXXX, XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX {$79.00} XXXX XXXX, XXXX XXXX {$26.00} XXXX XXXX, XXXX XXXX XXXX # XXXX {$13.00} XXXX XXXX, XXXX XXXX # XXXX {$84.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$50.00} In my opinion, there is nothing unusual or suspicious about the listed transactions, as these are recurring payments ( such as XXXX or XXXX ) or purchases in the XXXX miles radius from the place where I live. My FICO credit score is above XXXX. I had paid in full the card balance listed in each statement since the commencement of the card, so I assume that is a reason that for Capital One may label me as a " bad customer '' who can not be charged late fees and interest. I have over XXXX reward points for my purchases on my Capital One credit card. 
In my opinion, Capital One is making consolidated efforts to take away these reward points by discouraging me from normal use of my credit card. On XXXX XXXX, XXXX I had spoken twice with Capital One Customer Service supervisors asking why I am getting cited emails and which transactions are suspicious. Last conversation was with XXXX, ID # XXXX. Neither supervisor was able to explain why I am getting emails, and which transaction triggers it. However, they confirmed that my credit card might be suspended if I do not validate transactions listed in the email. In both conversations my request for a written explanation was denied. Agents of Capital One also denied fixing an issue and any written assurance that Capital One will make any necessary steps to avoid closing accounts and sending emails for non-specified reasons. 
I am finding the actions of Capital One as a consistent and elevated effort to violate card agreement by the discouragement of customers like me to use their accounts and gain rewards that are part of the agreement, or to further to take away reward points. 
In summary, I am asking The Bureau of Consumer Financial Protection to record my complaint and possibly check if Capital One 's practices fall into standards of the banking industry.
Consumer complaint received 2017-02-09
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

my name is XXXX XXXX and i received a notice from XXXX XXXX SERVICES XXXX DEPARTMENT INDICATING THAT I OWE XXXX TO HOUSE HOLD FINANCE. I HAD SETTLED MY ACCOUNT WITH HOUSEHOLD FINANCE XXXX YEARS A GO. THEY FILED A LAWSUIT AGAINST ME AND THROUGH AN ATTORNEY SETTLED THE MATTER AND THROUGH MY XXXX XXXX XXXX ACCOUNT AT THE TIME I PAID IN FULL THE SETTLEMENT AMOUNT THAT WAS AGREED UPON. NOW AFTER XXXX YEARS PLUS THEY HAVE DECIDED TO REFILE AND BREACH WHAT WAS AGREED UPON AT THE TIME AND SWINDLE MORE MONEY WHEN THE SETTLED AMOUNT WAS PAID IN FULL AND THE MATTER WAS CLOSED. PLS HELP ME WITH CLEARING THIS MATTER OFF MY NAME. I HAVE PAID THEM IN FULL AND THIS MATTER WAS SETTLED OVER XXXX YEARS AGO.
Consumer complaint received 2015-06-25
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I inadvertently made XXXX {$100.00} payments to Capital One. They refunded the money into my checking account and then billed me {$500.00} on a different account. I have been trying to resolve this since XX/XX/XXXX. They take all my information and then do n't follow up. This is the information that is relevant : Case Number : XXXX The account in question is : XXXX XXXX XXXX XXXX. This account is closed. They have billed an account that ends in XXXX.
Consumer complaint received 2016-02-03
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CURO Intermediate Holdings (TX)

a loan application was processed and approved with my name and information in 2013.on my credit report shows i owe a certain amount to a payday loan company which I did not approve of it now has left me with a lower credit score and i am not able to take out any loans if i needed to .also I get calls from debt collectors asking me when will I start making payments. I just want this situation to be cleared out from my credit report and to stop the constant calls from debt collectors.
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my XXXX XXXX as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2015-10-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (RI)

For the past 4 years I have been trying to get a modification. About 3 years ago the loan was assigned to Caliber Home Loans. XX/XX/XXXX I was a approved for a Trial Period Plan for 3 months, XXXX payment due XX/XX/XXXX in the amount of {$1500.00} ; the last payment under the trial plan was due XXXX XXXX. I continued to make monthly payments as I was waiting for the final paperwork for the modification. XX/XX/XXXX I received a letter stating that I was not eligible for the modification because I did not accept the offer, which is not true as I never received the documents. XX/XX/XXXX, received another letter in which they returned my payment for the month of XXXX. I did call Caliber Home Loans XX/XX/XXXX asking for an explanation and details, and I was told that there was nothing to explain since letters were sent out. In the meantime, I received a foreclosure letter from XXXX XXXX XXXX dated XX/XX/XXXX stating that my property is going to be foreclosed XX/XX/XXXX. I am looking for some help, as I do not want to lose my property in which I have owned XX/XX/XXXX. Caliber not once, helped me or has made any effort to take into consideration my hardship. The currently interest rate is 8.250 %, and an adjustable as well. I can not afford to take any chances as the rate can go as high as 14.250 %. Any help I can get would be greatly appreciated. Attached is all the necessary paperwork to support my complaint. 

Regards, XXXX XXXX
Consumer complaint received 2016-08-12
Product: Credit card — 
Issue: Application processing delay — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

This is a follow-up complaint to several other CFPB complaints on this same issue. Yesterday I spent over an hour on the phone with B of A during my work day. This was at least the third call to them to fix the same problem. I also spent over an hour with them on the phone on Sunday, my weekend. The short problem here is my statement posted on XXXX XXXX, I scheduled a payment to occur XXXX XXXX, it did, but they applied it to the prior month, saying because I made the request on the XXXX that is when they applied it. I am not rehashing any of this ; refer back to the prior complaint. While I filed a CFPB complaint yesterday on this ( and a number of times before ), I also called B OF A and hashed it out and finally got a rep who understood, said she would fix it. She said she saw the prior rep errors and that instead of a month behind I was a month ahead. She said she would submit a trouble ticket and fix it. Today I looked online. STILK SHOWIN LATE!! And today their home office retention called me in response to my CFPB complaint. Amazingly this time she again said I am late, the last representative gave me misinformation, so did the one on Sunday in my hour call who said she would move the payment and fix it, so did the one the prior Wednesday who said he would take off the late payment and reflect the account. It is like XXXX XXXX, each time I call they forget and give me old bad information and keep pressuring me to make additional payments when I am a month ahead. I have spent about 6 hours on this in the last week alone, the reward for making my payment one day after my bill!!!!!!!!! I was so enraged just now, I threw my cell phone against the wall and destroyed it. They are out of control. This is the fourth time in one week they have told me wrong information, told me I could not trust information from other representatives, told me I could not trust information for their website, and took an exceedingly rude attitude towards me always saying I am a late payer when I habitually pay within one or two days of each statement closing. I have never been more offended in my life. I need real compensation here and they need to fix their system.
Consumer complaint received 2015-06-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fidelity National Financial, Inc (FL)

Hello and Thank you for your help. I am the owner of a mortgage with no collateral ( property ) with XXXX XXXX XXXX due to negligence from XXXX XXXX, title company and XXXX XXXX XXXX. 
" XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, XXXX XXXX : XXXX XXXX XXXX : Atty. XXXX XXXX Set forth below is a synopsis of the bases for my position that the XXXX to Unit XXXX is flawed : On XXXX XXXX, XXXX, XXXX XXXX, the then owner of Unit XXXX, Building XXXX, XXXX XXXX XXXX XXXX, executed a mortgage to XXXX XXXX XXXX XXXX, recorded in XXXX XXXX XXXX XXXX XXXX XXXX, Book XXXX, Page XXXX mortgage to XXXX was eventually assigned to XXXX XXXX Bank XXXX Trustee. The assignment was dated XXXX/XXXX/XXXX and recorded on XXXX/XXXX/XXXX at said Registry in Book XXXX, XXXX XXXX XXXX initiated foreclosure proceedings on the XXXX mortgage, culminating with an auction and sale conducted on XXXX/XXXX/XXXX. 
Legal notices for the sale were published in the XXXX XXXX on XXXX XXXX and XXXX, XX/XX/XXXX.Because the assignment of the XXXX mortgage to XXXX XXXX was not executed until XXXX/XXXX/XXXX and not recorded until XXXX/XXXX/XXXX, XXXX XXXX did not have title to the property at the time that it conducted the foreclosure sale and subsequent conveyance of the property. This conclusion is based on the holding of the Massachusetts XXXX XXXX Court in the case of XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX and a consolidated case ) XXXX Mass XXXX, wherein a lender tried to claim title under identical circumstances and the Court ruled that because the assignment of the mortgage to the foreclosing entity had not been recorded prior to the foreclosure sale XXXX and, specifically, prior to the XXXX publication of notice ) the foreclosing entity did not have good title. 
Accordingly, the foreclosure of Unit XXXX is void and title did not pass to XXXX XXXX XXXX by virtue of the deed recorded in Book XXXX. XXXX XXXX who bought the property from XXXX XXXX XXXX of XXXX.
Consumer complaint received 2015-12-04
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

Trying for two years for modification. Turn down four times first time not enough money, sec time to much money, third time not XXXX days late, the last not enough money and I got XXXX days late. They took 4 months to tell me this, and I gave all doc. They ask for. I want to keep my house. I had XXXX hardships a XXXX XXXX and loss half of my income. They just play a game with u and string u along.
Consumer complaint received 2016-07-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: New Century Financial Services, Inc. (NY)

I received a letter from New Century Financial Services a debt collecting agency saying I owed a bill for XXXX in the original amount of XXXX. Then I was sent court papers sayin I owe {$1600.00}. I went to court to rectify the situation it was clarified that the debt was not mines it was settled on XXXX/XXXX/XXXX the motion was withdrawn by the plaintiff. It was a case of identity theft. On XXXX XXXX, XXXX I received a letter from a marshal that my wages would be garnished in the amount of {$1800.00} for that debt. I contacted the New Century Financial services and faxed over the judgement papers and they have not to stop the garnish.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute an inaccurate item on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Sections XXXX and XXXX. After reviewing my recent credit report, I have identified the following errors that requires correction : XXXX XXXX XXXX XX/XX/XXXX Provide proof of verification of this account or remove immediately for inaccuracy. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Provide proof of verification of this account or remove immediately for inaccuracy. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Provide proof of verification of this account or remove immediately for inaccuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Provide proof of verification of this account or remove immediately for inaccuracy. 



XXXX XXXX XXXX XXXX XX/XX/XXXX Provide proof of verification of this account or remove immediately for inaccuracy. 

XXXX XXXX XXXX XX/XX/XXXX Provide proof of verification of this account or remove immediately for inaccuracy. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Provide proof of verification of this account or remove immediately for inaccuracy.