davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

I have been with Seterus for several years, I guess they bought my loan from my previous servicer. In the last few months they have made accounting errors and they are unable to fix them. It gets worse with every call I make. My principle has actually gone up and they ca n't figure out why. Even though I make more than the monthly payment required every month. I make {$1000.00} payment every month, for the last 5 years it used to apply to the monthly payment due and the rest towards principal. Now they apply it towards future interest. After calling and asking them to apply it the old way they said no problem. But the problem has not been fixed. After the second call they actually did a reversal that added {$1400.00} to my principal. So let me get this straight : I make more than the monthly payments due and now my principal is going up. Is n't this basic math that you learn in elementary. 
It 's sad that we as the consumer have to waste our time and money trying to fix mistakes made by these financial institutions and in the end we almost always end up losing. I can already see the future : I will have lost {$1400.00} and the will add late payment fees to my account.
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

DISPUTE GUIDEPRINT XXXX XXXX XXXX Account Number XXXX Account Type Installment Loan Terms 072 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Late Payment Status Details 30 days past due Status Updated XX/XX/XXXX Balance {$12000.00} Balance Updated - Credit Limit - Past Due Amount {$880.00} High Balance {$55000.00} Monthly Payment {$880.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual account Original Creditor - Company Sold-to - Original Amount - Comments - Payment History This account was never delinquent as it was paid in full XX/XX/XXXX by the insurance company and GAP insurance due to a total loss.
Consumer complaint received 2022-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A. (MD)

I attempted to close my online checking account with PNC Bank after withdrawing my funds early in 2021. PNC did not close the account and charged me for monthly service fees. Now Im being contacted by a debt collector to collect fees for an account I had zeroed out and closed. I contacted PNC via chat and phone and was told customer service can't do anything about it.
Consumer complaint received 2015-10-21
Product: Prepaid card — Other special purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (TN)

Rushcard perform a system upgrade on the morning of XX/XX/2015 and ever since then I have not been able to access my funds. I have gotten the same answer for the past 9 days and they have all been inaccurate. I have called at least 3-4 times a day since XX/XX/2015 and I never got my issue resolved. I have bills to pay and ca n't because they can not or will not figure out what has happened to the funds I loaded previously not can they tell me when the funds I have directly deposited from my employer will be available
Consumer complaint received 2017-01-31
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: STATE FARM BANK, FSB (IL)

TO THE # CONSUMERFINANCIALPROTECTIONBUREAU : # StateFarmXXXX has NOT been processing my automated monthly payments timely and has caused my bank account with the # XXXX to go overdrawn 3 months in a row. 
State Farm has tried to blame my bank, who knows my banking behavior and knows me, since I have had this account with the XXXX over 20 years. 
Throughout this time with the XXXX, I have done business with many other companies, which I permitted automatic monthly deductions from my bank account, to pay for a service or product. 
But I have NEVER experienced this before with any other company, where they were so slow in taking out or pushing the necessary buttons to take outfrom my account topay my insurance. 
Not only has State Farm caused me to go overdrawn on my Bank Account, but this slackness on their part incurred fees to my account, fees which I can not afford. 
Instead of pulling out from my account the set date or the next day, or even when I called to make the payment early, State Farm would wait to pull from my bank account, 4-10days after the set day, on the exact samedays that other transaction/s happened to be pending. 
Right? I thought since # XXXX & StateFarm ARE RIVALS, and since # President # Obama and his 'brothers ' have had access to all sorts of # Securities and # Banks, that maybe they are trying to drive State Farm out of business, because I have NEVER had any problems with State Farm before. 
However, it has been since XXXX, that I just most recently resumed business with State Farm, in the XX/XX/XXXX. 
This practice of waiting to deduct from my account days after the set date, or NOT even deducting when I callin early to make a payment, and then deducting one too many days after when I happen to have another transaction/s pending on those days, IS of GREATconcern to me. 
Like many Americans, I live paycheck to paycheck. I am poor. I do NOT own a personal computer because I have been displaced, moving place to place trying to obtain work, where I can afford housing. 
When 'Big # Banks ' or Big Companies begin to find ways to exploit their clients based on the data of their banking behavior and/or purchases and those locations of those purchases, I personally become more 'affected'by this. 
I have tried to resolve this issue for several months, back and forth, back and forth, back and forth. 
But, I am not pleased with how this is being handled. 
I am in need of assistance. 
Sincerely Yours, XXXX
Consumer complaint received 2017-01-05
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (FL)

I submitted a phone payment for a home depot credit card and was given a confirmation number as having been paid. At my next billing cycle, I saw that the amount was past, and I called and found out that the payment had been declined after 3 days. I was reported to the credit agencies. I contacted the credit card and they acknowledge having given me a payment confirmation but they refuse to retract their credit reporting, leaving me with a late payment on my credit history. I was never notified by them that the payment had been declined until my next statement. I had money in the bank to complete the transaction at the time so I am not sure why they would confirm payment and then decline it.
Consumer complaint received 2016-05-24
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Started a loan application to purchase a new home with Capitol One Mortgage on XXXX XXXX, XXXX. The loan officer overlooked a document explained in attached XXXX page verification of incident described here which led to my credit score of : XXXX at the time of this loan application which dropped to XXXX as of XXXX/XXXX/XXXX over XXXX credit pulls by Capitol One Mortgage as proven by XXXX. In addition to an issue with XXXX error in a failing to mail a new credit card with bill to correct address ( as reported to cfpb on XXXX/XXXX/XXXX ).
Consumer complaint received 2016-01-22
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I opened a Capitol One XXXX in XXXX, lost my job and it was charged off in XXXX. On XXXX XXXX, XXXX Capitol One Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX sent XXXX process servers to my home at XXXX who would not leave, they were writing license plate numbers down and sat in front of my home for 2 hours trying to intimidate me & my Family, ( We live on a small Cul De Sac ) I had to call the Police, when they saw the police they tried to speed away but the police stopped them and made them leave, We did n't hear from the Attorney after that and Capitol One approved me for XXXX VISAs that I currently have, paid on time. My husband and I recently applied for a mortgage, and were told on XXXX XXXX, XXXX Capitol One put this old XXXX Charged off acct on my Credit Report as New. I have no Public Records and have worked hard to get my Credit where it should be. When I called Capitol One, and was told that it would be removed but then told she could n't but then was transferred to another representative who said it was a charge off to contact the attorney, when I asked Why it was showing on my Capitol One Alert that it was Capitol One that added it to my Credit Report she did n't have an answer. Today, XXXX XXXX, XXXX I found out that XXXX & XXXX still representing Capitol One has garnished my wages for this old Charged Off XXXX. I have Never been notified about this garnishment as per Colorado Law, and want this garnishment to STOP IMMEDIATELY!!!! Not only has this attorney Violated the Fair Debt Collection Practices Act by sending the Process servers after XXXX, adding an old debt after the statute of limitations is also illegal. This Attorney has been sued in the past for Violations of the FDCPA. I was advised by the Colorado Attorney Generals Office to file a Complaint with you for this situation.
Consumer complaint received 2017-01-17
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I performed a cash transfer on XX/XX/XXXX from my account at XXXX Bank XXXX to my savings account Capital One. The funds were moved immediately electronically to Capital One, but they put on XXXX week hold on the funds until XX/XX/XXXX. Although Capital One has the funds they will not release them to me. The amount of the transfer is XXXX {$4000.00}. Capital One says it takes longer to transfer the funds to a business saving account and that is the reason for the 7 day hold.
Consumer complaint received 2015-03-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Credit Acceptance, LLC (MD)

I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " American Credit Acceptance '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Consumer complaint received 2015-09-24
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

# 1 ... Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$320.00} { XXXX-ISSUES } ... ... ( # 2 ... 30 days past due as of XX/XX/XXXX ) ... .on my Capital One Credit Card. 

# 1. Concerning the above statement : I lived in XXXX, ( where the MAIL Service is NOT SO GOOD ... often NOT AT ALL )! Did ''NOT '' or never did get ANY STATEMENT or NEW CR EDIT CARD, from Capital One, ( after XXXX , sold my Account to Capital One Credit Cards ). I lived in XXXX., from, XX/XX/XXXX, until XX/XX/XXXX. I DID NOT GET ANY STATEMENTS FROM ''CAPITAL ONE ''. DESPITE ''NOT '' receiving any Statement, ( THUS NOT KNOWING WHAT I OWED OR EVEN THE PAYMENTS OWED ), I CONTINUED TO MAKE EVERY EFFORT, TO PAY, EACH MONTH, MY MONTHLY PAYMENTS. ( Paid at least {$15.00}, to $ XXXX-Dollars per Month, during the period from XX/XX/XXXX, until XX/XX/XXXX. 
I was Hospitalized XX/XX/XXXX ... ... ( had a Hospital Bill of almost $ 4,000-Thousnad Dollars ). This is the reason I was LATE with the XX/XX/XXXX PAYMENT for my Capital One Credit Card. Because I was in the Hospital, ( XXXX ). Stayed in the Hospital for 6-Days, at XXXX XXXX, XXXX, XXXX. 
Due to my Hospital stay, ( actually I had forgotten about making my Capital One Credit Card payment ). I thought I had already scheduled this to go out. I was wrong! But once I realized this ... ... XX/XX/XXXX, I MADE NOT ONE BUT 2-PAYMENTS FOR XX/XX/XXXX. 
Despite this ... ... THE COMPANY ( CAPITAL ONE ), PUT ON MY CREDIT REPORT, THAT I HAD BEEN LATE ... .. ( which was TRUE ). But there was a REASON ... .. ( ''NOT '' an Excuse )! 
I called CAPITAL ONE, asking them to REMOVE my LATE PAYMENT ... ( as this was the only time I had EVER BEEN LATE, with ANY PAYMENTS, to them. 
***CAPITAL ONE, told me that they were going to HAVE THIS REMOVED*** ( THE LATE PAYMENT, XX/XX/XXXX ... ... TO DATE THIS HAS ''NOT '' BEEN DONE AS OF YET? 
Hopefully, Capital One, with get this request accomplished. As all XXXX-Credit Agencies are reporting my Capital One Credit Card ( as being late over 30-Days, in XX/XX/XXXX ). 

# XXXX ... .Please REQUEST that CAPITAL ONE, & ALL XXXX AGENCIES .... ( TAKE OFF MY LATE PAYMENT OF XXXX, XX/XX/XXXX ). Due to my Hospitalization, at XXXX XXXX, in XXXX, XXXX, ( for 6-Day 's XX/XX/XXXX ), PLUS ''NOT '' RECEIVINGANY STATEMENTS whatsoever, when I lived in XX/XX/XXXX , from XX/XX/XXXX, until my return in XX/XX/XXXX. 
Thank you for your help concerning me trying to get my Credit in order. 
Respectfully, XXXX
Consumer complaint received 2016-05-23
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (AZ)

On XXXX XXXX, 2016 I initially reported that I did not make a purchase on a Macys ' card with account number ending XXXX. I told them that I had paid my account in full I was told that I had to complete and submit a Statement of Fraud which they had to USPS mail to me as they do n't have it electronically. They told me once they received that the account would be flagged for fraud and I would not longer receive phone calls ( I was receiving phone calls several times a day asking for payment ). I waited a week and called back again and told them I had not received the Statement of Fraud. She said she would mail it again. I waited another week and finally received it. At that time, I completed the Statement of Fraud and mailed it that same day. I have called several times to check on the status of this and each time they tell me a fraud investigation has been opened. I called again on XXXX/XXXX/2016 and spoke with XXXX and he said it had been resolved and it would be escalated so we can get it off of my credit report as soon as possible. He told me I should receive a letter from Macys ' in 7-10 business days. I asked if he could email it and he said no, they only used USPS. He then said it would take 30 days for the credit bureaus to update my credit report. I also just received a bill for the aforementioned account number and the balance is now almost {$200.00} ( I believe the original amount was {$57.00} ). I also received a letter from Macys ' saying effective immediately my credit balance has been lowered to from {$600.00} to {$200.00}. My credit limit on MY card ( which is a different account number ending in XXXX and has a balance of {$0.00} is {$1400.00}. It is now XX/XX/XXXX and I have yet to receive a letter from Macy 's and it is still showing on my credit report. Thank you in advance.
Consumer complaint received 2016-06-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I submitted a short sale package along with an offer to Capital One Bank on XXXX XXXX, 2016. A review to participate in a short sale was completed on XXXX XXXX, 2016. As of that date, the file is in the process of being assigned to a negotiator and nothing has happened in reference to an actual review of the offer. It has been 15 business days of inactivity and we can lose the prospective buyer because of their inaction.
Consumer complaint received 2016-09-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have sent to certified letters over the last 60 days stating to TransUnion that they are reporting a BK Dismissal on my credit report that is n't mine, I received a letter from them stating they verified that information. I called the US BK Court where is false filing took place, the BK Clerk told me that they do n't verify and information to any party or company. I need verification on how they came up with this verified information that does not belong to me. This has hurt my credibility not to mention I just got turned down for credit. I will file a law suit against transUnion for damages to my credit and slander. How can a copy report false information and say they verified it was me. Please show me my signature and whom they spoke with at the US BK Courts. I want a name so I can file a law suit against them as well. If I have to I will call the local news agency to get this on the news.
Consumer complaint received 2016-08-26
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have XXXX credit cards from Capial one bank. I requested to upgrade one of them from XXXX to XXXX. I revived XXXX cards. I contacted them and requested to keep the current card they said ok and everything good I can use my current card. When I login to my account I see the XXXX cards are XXXX. So I called back and they told me I have to activate the XXXX card and they ca n't give me the same offer again or make any change before 6 month. 
I refused the changes and they told me they are going to fix it. More than month passed since that happened and no changes happened.
Consumer complaint received 2016-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC (MD)

I have had the most difficult year with Campus Partners. Each year a portion of my student loan is cancelled because I am a XXXX. As part of cancellation, each year I submit deferment and cancelation forms to the company to verify that I am employed XXXX. This past summer, in XXXX of 2015, I faxed both the deferment and cancellation forms as usual. Since then, I have re-faxed the paper work nearly every month and called the agency every month to determine if they had received the documents. This has been going on for an entire year! Despite my sending information, I was reported to numerous credit agencies, which had an adverse impact on my credit score and ability to purchase a home. 

Recently, I filed a complaint through CFPB and was later contacted directly by a representative from Campus Partners. The individual had me fax her the same paper work. The account was FINALLY updated within a couple of days, however, the adjustments were not made to the credit reporting. 

I contacted them, again, and spoke to XXXX ( employee # XXXX ) who for the first time in a year took that time to look through the system and determine that XXXX of their representative made an initial error by not keying in information properly the first time, resulting in my " defaulting '' on the loans. XXXX apologized and stated that she would note in the system their error and have then revert the negative reports to the credit agencieS. Instead of sending the information to the XXXX major agencies -- XXXX -- the information was only sent to XXXX At this time, I am requesting, that, the correct information be sent to ALL XXXX agencies so that the damage done to my credit rating -- due to their negligence -- is repaired.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

Navient never offered me any form of relief from my high monthly payment other than forbearance or deferment. I have inquired regarding any type of loan relief possible from Navient and was never told that I qualified for income based repayment ( which I applied for yesterday ) and have been paying on my loans for many years despite being on mostly fixed income and I am currently XXXX years old and forced to work at XXXX for the last 9 years to sustain myself. I believe that my payments have encompassed approximately 17 years and that my loan balance has remained within only several thousand dollars during the entire term of the loans!
Consumer complaint received 2016-09-13
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was at a store attempting to use one of my Capital One cards and the card declined. So I tried to use another and the same thing happened. When I called the number on the back of the card they told me my cards was temporally restricted for possible fraud and I needed to submit my personal photo ID and social security card to them. I asked why but the gentleman could not explain the reasoning. I 've been a loyal capital one card holder for over 7 years. I 've always kept my balance low and have NEVER missed a payment. I also never had any misuse or fraud on the cards. The next day when I called back to find out where do I submit my ID & SS card, I was told I needed to provide an ID and SS card for every person who I ever had on my account as an authorized user. I asked why and once again I was told it could be possible fraud and I asked who would cause a fraud concern since I am the ONLY person who has/had a card for the XXXX accounts. I make the payments every single month, sometimes twice a month from my business or personal checking account. I asked again how can my account be flagged for possible fraud? I was told that information could not be given to me or what the real issue was. I was given a list of names that I needed the information for. I reinstated that NONE of the authorized users have access to the accounts. They never had their own card! I let the gentleman know that I own a business and I sometimes add clients onto my account as an authorized user in order to help them establish credit. The Cap One rep said that was fine. So, for the next 3 days I uploaded everyone 's ID and Social Security cards as I collected them. Once the last person 's information was uploaded, I called Capital One to confirm the next step. I was told a representative tried calling the day before and they chose to close ALL XXXX of my accounts. I stated I never received a call from CAP ONE or a voicemail. I asked to be connected the department that called me and the lady said they do n't take calls. I asked to be connected to a manager and she said there is nothing a manager can do, the accounts are closed and will not be reopened. Her last words was that a letter will be mailed out to me and hung up the phone. 
Why would they close my accounts on day 2 before I finished uploading the documents? This is a huge problem for me. Like I mentioned I have been a very good loyal card holder. I have never been late in the history of these accounts or any others. I keep low balances on ALL my cards. XXXX card is for business purposes only. I buy business supplied and reoccurring business charges are linked to that card. The main problem is I am in the process of purchasing a house. I received a pre- approval letter already. When Capital One closed XXXX accounts my credit score dropped tremendously!!!!! Those closed accounts lessened my buying power by making my credit utilization skyrocket up and showing a balance owed on all XXXX accounts with XXXX credit available.