davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-14
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NY)

On Thursday, XXXX XXXX, 2016, I used my Chase Debit Card to purchase XXXX XXXX tickets from XXXX to XXXX for an amount of {$690.00}. The debit card processed the transaction with no issue, and I was emailed a receipt and confirmation number for check-in. On Friday, XXXX XXXX, the passengers I bought the tickets for checked in at XXXX and were informed the confirmation was cancelled because the card was declined. I look in my account and I can clearly say that Chase took out the amount of {$690.00}. The passengers had to buy their own tickets as a result. I called Chase and it turns out they turned off the card because Fraud Detection was activated and Chase believed the card was stolen. I confirmed to Chase that I authorized the transaction but by the time that happened, XXXX already cancelled the reservation and submitted a refund to Chase. I called Chase and XXXX and disputed the transaction, but today is XXXX XXXX and I still do not have my {$690.00} back. I need this amount to pay rent and travel and Chase is making this harder than it should be.
Consumer complaint received 2016-04-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

XXXX XXXX ( A scammer ) offered to buy my tv for {$370.00} on XXXX. Said they would send certified funds via XXXX I rec 'd a check for {$1900.00} on XX/XX/XXXX and texted, asking why so much? The scammer responded that I send the overage via XXXX XXXX to their movers, a XXXX XXXX in KS. On XX/XX/XXXX my bank had cleared the check and the funds were made available in my account so I sent the {$1400.00} as requested. Today XX/XX/XXXX, my bank debited the {$1900.00} check saying the check was fraudulent. I have many texts & emails back and forth with this person prior to the check bouncing. When I texted today, I got no response.I have contacted XXXX XXXX ( case # XXXX ) and the XXXX Police ( case # not yet assigned ).
Consumer complaint received 2016-09-14
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have XXXX credit cards with bank of america. They do n't have my account statements for everything that I owe. I believe banks are supposed to have statements of everything I owe. They said they could only go up I believe 7 years but beyond that they do n't have a record. If this is the case I dont believe they are allowed to charge me for prior the 7 years.
Consumer complaint received 2015-11-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XXXX/XXXX/2015, I noticed a fraudulent activity on my Bank of America ( BOA ) account. I noticed that the Agency that perpetrated this heinous act, is the-same Agency that is withholding money from my Job payroll dept, as we agreed. Unfortunately, however, BOA allowed the same agency to withdraw all the little money in my account ; that I use to feed my family, without even notifying me : thereby endangering the welfare of my family, as I could no longer provide food for my children nor pay my rent. To this end, I requested BOA close the account, and they have vehemently refused, stating that I still have fees to pay. To this end, I am appealing to you to mandate BOA close my account because I do not want to do business with a bank that will endanger the welfare of my family.
Consumer complaint received 2017-01-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have a credit card and checking account with bank of america and the accounts disappeared from my online banking profile. When I called Bank of America, they indicated that they had marked me as deceased in their systems and began the process of closing those accounts. They could not give me a reason why this occurred and I am I concerned about potential identity theft.
Consumer complaint received 2016-02-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (OR)

I deposited a {$700.00} check into my chase bank account XXXX/XXXX/2016 which I have had about 6 or more years. I also requested {$200.00} withdraw at same time via ATM. I was granted the {$200.00} and was taken out of my SSI which I recieved through direct deposit on XXXX/XXXX/2016. The receipt showed had a balance of alittle over XXXX dollars. The next day I went into bank and asked how long usually takes a check to clear, They said funds would be available at midnight. I didnt want to withdraw any till cleared. Wendsday XXXX/XXXX/2016 I went to withdraw my rent and electric out of bank wich would come out of my SSD the ATM wouldnt even let me do balance check told me to call customer service immidiatly, so I did, after talking to quiet a few different so called supervisors the last one told me they had put a restriction on my account due to check, didnt know if bad or not, but said all the sudden instead of positive I was negative {$200.00}. Which couldnt figure out due to it was from my SSI of XXXX. My XXXX is XXXX. I couldnt even access that even though was in bank. When went into bank to discuss head branch said m, y account would be closed XX/XX/XXXX and they would send me balance 10 days later by check. Really you close my account how am I going to cash my check. They didnt care I was on positive side, I could not access my SSD payment. I had to XXXX till could get money from my son 3 days later due to couldnt even withdraw XXXX dollars of my money. I know owe a late fee on rent and looking at eviction. They said it was because the check was for an item I was selling on XXXX and anyone associated with XXXX their account will be closed. It was a local personal check for the exact amount. after the fact found out it was NSF but they closed account before they even knew that. I am looking at electrical shut off. I am XXXX needless to say and need to know what to do.
Consumer complaint received 2015-06-03
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Green Square Company LLC. (NY)

A message were left on my voice mail by phone number XXXX. I retrieved the message and a mail voice said " This is a call XXXX a call is required for a statement from myself or my attorney. I called the number and after multiple attempts a female answer and I gave the reference number which was left on my voice mail. The female caller were asking question to verify information, I stated I do n't know anything and refrain from calling this cell number. The person then went on to say " I will contact you through your employer and have you arrested. ''
Consumer complaint received 2016-03-26
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I had fraudulent activity on my Bank of America XXXX # XXXX which I described in detail through the " Tell Your Story '' portal on the CFPB website about a week ago. Possibly, BoA may have been hacked in view of the repetitive nature of the fraudulent charges. After I contacted BoA about the fraud, they closed that account and assured me that they would expedite delivery of a replacement card so that it arrived no later than this past Tuesday, XXXX XXXX 2016. However, Tuesday came and went, Wednesday came and went, and Thursday came and went, with no replacement card. This is one of several lies BoA told me. On Friday, the card arrived. It has the account number XXXX. Instructions with it said to call an XXXX number to activate it which I did. At that time, a recorded voice told me that the card was activated and ready to use. This is the second lie that BoA told me. Because the fraud department at BoA had told me to report other activity, I thought I should call it to confirm that the card was activated. I did so on Friday and was told by the representative I spoke with that the card was activated and ready to use. This is the third lie BoA told me. Today I tried to use the card for the first time and it was declined. BoA also wasted well over an hour of my time engaging in these unfair, deceptive and abusive activities, worsening them with excessive, hollow, time-consuming apologies along the way. After I spoke to the second person at BoA about this today, I asked to speak to a supervisor. I think the supervisor identified herself as " XXXX '' in Georgia. XXXX refused to rectify the problems by getting the card to work. 
On Thursday, when this card had not arrived, I called BoA to report that it had not arrived by the date certain BoA had said it would arrive by, last Tuesday. At that point, the person I talked to said she would send another, second replacement card for the original card. When the first replacement card arrived the next day, Friday, I was told twice by BoA, that it was activated and ready to use. The representative I talked to then told me that he was was going to cancel the second replacement card that I have never received. This was the fourth lie that BoA told me. Instead of cancelling the card I have not received, he cancelled the card I did receive, and then immediately told me that the XXXX I had was activated and ready to use. 
I finally hung up the phone with XXXX who refused to honor what BoA had told me previously. I 'd had enough of BoA 's lies and had had more than enough of my time wasted. I 'd told her that she could explain BoA 's prevaricating proclivities and abuse of its customers to the CFPB.
Consumer complaint received 2017-03-13
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: MILEND, INC. (PA)

Milend Corp refinanced over a year ago. Was contacted by broker rep XXXX stating he took over files and wanted to see if he could help with another loan. Advised not now, but he started asking all kinds of questions as to what changed, and when he asked if I knew what my credit score was I said yeas, but I insisted he not pull a report as I had too many inquiries from the past. he said he would not and had enough to go on, still told them not now, did not listen..Hours later was notified that a credit hard was pulled, he did it anyway, and come to find out he pulled my wife 's too and she never talked to him.Now I am banged with another credit pull. He lied about his company and stated they hold the loan ad they do not, it was sold 2 months after settled. Spoke to Vice President of Milend, defended this XXXX, and made me feel like I am the liar. well they record conversations, check it. I insisted he be fired and lose his license as I am sure he has done this before to others, very unethical. I refuse to be scammed and lied to on such a serious matter I am now flooded with mortgage offers from this pull.
Consumer complaint received 2016-03-09
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Capital Accounts, LLC (KY)

Capital Accounts has called me twice now after being told that I do not respond to telephone calls on any business matter. I learned today that the same organization called my wife at her place of employment three times in the same day asking questions about me, discussing the alleged debt with her and attempting to get my telephone number. Today they called me again. I want this harassing communication to stop. I do n't owe them any money and have no business relationship with Capital Accounts.
Consumer complaint received 2017-01-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Second Round Limited Partnership, Austin, TX Branch (FL)

Settled with a collection agency on XX/XX/2016 but refuse to remove a neg. mark on one of my credit reports. All other creditors Have been settled and neg. remark removed but one.
Consumer complaint received 2015-03-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: VALLEY NATIONAL BANCORP (PA)

Have a car loan from VNB Loan Services. Was told by phone the car loan had been paid up in XXXX 2014, but that I owed additional fees & wo n't get my car title until all paid. From XXXX 2014 including a payment made today, I have paid an additional {$3200.00}. I know there were some gaps in insurance and over the phone that 's what they said I owed more money for but I have never received the additional amount due in writing. In fact I asked for a list of all payments received & how applied as well. Requested XXXX/XXXX/14 this info in writing along with a payment which the post office confirmed was signed for XXXX/XXXX/14 and the enclosed payment cleared my bank XXXX/XXXX/14. They refuse to mail me any documentation. I am willing to pay what I owe but feel they are trying to overcharge me because they have n't sent written documentation. Everything has only been provided via phone calls. I think as a consumer I should be getting the addition request in writing as proof for my records.
Consumer complaint received 2015-10-12
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: STERLING JEWELERS, INC. (NY)

I have contacted this collection agency more then once and told them not to call my place of employment. They call my job everyday and leave messages such as if he does n't call us by XXXX we will send legal paperwork to his job. Futhrrmore they are calling my family members saying I 'm in trouble and need his phone number and last they made threats to me for example they say do you know where your daughter XXXX is I said why then they said you better check on her. I mean really come on and I also get a call from a private number they hang up just to get my voice mail saying that I will be receiving legal paperwork from my local county and you need to call up to make sure you address has not changed.
Consumer complaint received 2017-01-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (OR)

In XXXX when I entered repayment on my loans with FedLoan Servicing, I filed one application to be placed on income dependent payments. In XXXX I filed my annual recertification, and I was notified that I was approved until XXXX of XXXX. In XXXX of XXXX I was notified that because I had not filed my application for recertification, FedLoan has jumped my payment to the standard repayment amount. The previous and last communication was that I was good until XXXX of XXXX. Now I must to file two identical applications within five months of each other? I do n't understand. Why ca n't FedLoan use the same application? Why was n't I given clear information? Who over-sees FedLoan?
Consumer complaint received 2016-10-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Enterprise Systems, Inc. (TX)

XXXX XXXX XXXX is telephoning me on a daily basics, I do not have an outstanding " Debt '' with any one. Several of my friends are also receiving the telephone calls, I want them to stop Harassing me. Telephone number:XXXX ext XXXX. 

Thank you in advance for your help.
Consumer complaint received 2016-01-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: D2 Management LLC (OK)

We have had d2 management call twice and attempt to collect debt from my wife that she has never had. The company claims the credit card was started through a XXXX XXXX XXXX, a XXXX card they stated was opened on XX/XX/XXXX and closed the following year, claiming " she made payments on the account from her bank ''. The first call stated she owed {$550.00}. Thinking this was from a recent store card she had opened in XX/XX/XXXX, she called the store credit card directly and verified that there was no balance on the card ( this is the first credit card she has ever opened, only ever having a debit card ). She called the collection agency back. When she refused to set up a payment plan, she was connected to the manager who stated she owed {$350.00}. They listed off her previous residence, gave her maiden name, and the manager even listed off her social security number in full, without verification, to me ( her husband ). They made statements that credit cards do n't always report to credit reports or that it might not show up on a credit report since it had been 8 years. They were adamant that there was no possible fraud involved on the account. They were each extremely pushy and would not listen to what we said, would not reveal their client ( seeing as this bank was bought out by XXXX XXXX and no longer exists ), said only that they were a collection agency and insisted that my wife had opened this account. She has never been contacted by XXXX XXXX. This is the first time we have heard anything on this " debt ''. We have checked credit scores multiple times in the past eight years and have not seen any sign of fault or no payment pertaining to any credit card. They were threatening that they would report us to the IRS as a XXXX unreported income. No current information was provided by my wife or myself to the debt collection agency on either of these calls as to current address, last name, or any bank account information. They called from ( XXXX ) XXXX which is a XXXX area code but stated they were calling from XXXX, that the local number was for phone numbers that do not have long distance service or only have a pay-as-you-go phone. They stated multiple times the legal disclaimer that they were seeking to collect on debt and that anything we said could be used to that means, that everything we said would be recorded for customer service and training purposes even using this to keep us from speaking.
Consumer complaint received 2015-06-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (FL)

I had deposited a check and it seems that it was returned and they blocked the account and have not provided me any information as to why and my direct deposit from my job was sent to this account and they ignore every request from me as to an explanation why I spoke to a customer service rep on the phone they tell me I had to go to the branch I went and they dont want to tell me anything tried to speak to the manager he paid no attention to me in the XXXX XXXX branch. 

all they state XXXX is that they are doing an investigation at XXXX is was supposed to be 10 days for that and they will send my funds but as of yesterday now they state 30 to 120 days.
Consumer complaint received 2017-02-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ability Recovery Services, LLC (AZ)

I woke up this morning with a credit alert in my email. The alert was from XXXX about an account by Ability Recovery Services. The original debt supposedly was from XXXX XXXX. They are claiming I owe {$1200.00} from classes? I dealt with these people years back, before 2012. I had cancelled the program. Now they contact me 5 or more years later and just listed this on my credit report. Its interesting to note that this is the first time I have ever heard of this. I would like to see proof of my original signature and other information to prove this debt is mine. Like I said, years ago I had contacted them about a program, but cancelled it because credits would not transfer to a state university. I was XXXX with a XXXX XXXX in 2012, and know I would have not signed up for a school program. Half the time, a can not even see to read books and other information. XXXX XXXX was also involved in a class action lawsuit for deceptive and misleading conduct. Maybe the governement should look into the relationship between Ability Recovery and XXXX XXXX. I think they are trying to scam people. Do the research, it is all over the internet.
Consumer complaint received 2016-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: AES/PHEAA (WA)

I attended XXXX College, in XXXX, Alaska XX/XX/XXXX. The school is CLOSED. 
XX/XX/XXXX I received a Form XXXX Cancellation of Debt ( Replacement ) form cancelling the debt in XX/XX/XXXX. Again I received a letter of the balance of the loans being written off from the ACPE Alaska Commission on Postsecondary Education dated XX/XX/XXXX. All of these letters have been sent to FedLoan Servicing with no answer from them. I mailed Certified and regular U.S. Mail. I have told them to " Stop contacting me. '' on the advice of an attorney, yet they continue to call, now weekly. This is a violation of the Fair Debt Collection Practices Act according to Attorney XXXX XXXX XXXX, XXXX, Alaska XX/XX/XXXX. A. I want this taken off my credit report. B. I want the harassment and embarassing phone calls to stop on my cell and business and any other phone, such as family, friends, former landlords, neighbors. C. I want this in writing from FedLoan that there is NO Debt.
Consumer complaint received 2015-06-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XXXX-XXXX-XXXXConsumer Financial Protection Bureau AndSenator XXXX XXXXLast year XX/XX/XXXX I filed complaints against Bank of America. Case numbers XXXX and this year case number XXXX. I was happy to report back that Bank of America was working with me concerning Loan Number XXXX. All I wanted was to be allowed in a Short Sale and for the bank to be fair with me. 
After XXXX year, having detailed phone calls, emails and XXXX Contracts on the House, I find out its all been a lie I was told verbally that I was approved for short Sale. I received a letter from XX/XX/XXXX stating I was. But for the last XXXX months I have been trying to remove an IRS Lien off the Property I find out today that I have not been approved ( only an Candidate ) I said all along I did not trust Bank of America. They miss led me for over a year accepting Contracts, working with my Realtor,, etc. while I am thinking I am in a short Sale. Running up the totals and closer to foreclosure. The problem did not surface until I was trying to remove an IRS Lien in order for these buyers could close. I asked repeat ally for the Documents the IRS was requesting. I feel I was lied to and the Home is now in Foreclosure. I have exhausted very attempt to make this work. I feel beat up and abused and giving upI am disgusted with Bank of America and I do n't believe anything they say.. To be honest writing this letter will not help either. So I guess Bank of America the BIG GIANT wins. 
This is beyond being unfair, A lot of people has worked hard this past year, all for what? 
XXXX XXXXLoan Number XXXXXXXXXXXX