davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I have filed a few complaints against my lender, Bank of America.I never see any follow up with the CFPB.My life has been ruined by BOA and no matter what proof I have or what I write nothing is done.I went thru some hard times and fell behind.I have done everything gone everywhere to save my home.I should have never gotten a loan to begin with because my income could not support the loan.They knew that I would fall behind and they would take my home.I never got a rescind letter with my loan and in XXXX I mailed to BOA that I want out and they never even replied.They are guilty of so many wrong doings but nobody does anything so they continue and get away with it.I filed so many documents and they told me ; they told me they never received them or I send them to the wrong address or fax number, even though they gave me the numbers.As I said all along all I ever wanted was an affordable payment to save my home.They have dragged the process so long so the amount I owe makes my home unaffordsble to me.This is what they have been doing to me since 2009.They always wanted to throw me out of my home.They lie and make up stories to make it look like they have been trying to help.They have XXXX me at every turn.The end result is they want to take my home away from me.
Consumer complaint received 2016-08-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

I have been dispute the negative accounts on my report over the past year with the credit bureaus. The information is continuously coming back as verified. I have asked about their verification or investigation process as well as proof of verification and yet I have n't received any information regarding this.
Consumer complaint received 2015-07-01
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (VA)

chase employees are awful, rude and incompetent. me and my wife just spent over 4 weeks and it feels like XXXX hours of our time being transferred around and lied to. i do n't think many of there employees even where paying any attention to what i was saying it was a waste of my time and theres. The where just wanting in till it was time to go home. MY request was a simple information request about a check that we did not get. At any other company this take at the most a XXXX minutes. what did work was calling the CEO number XXXX XXXX XXXX. They will try to transfer you to a call center where the employees are again awful, rude and incompetent. Do not let them transfer you. Demand that the person that answer the phone updates you about the status of you case. the will lie to you and hang up on or put you hold. you may have to call a couple of times. this is the only thing that works. only till this CEO number is tied up will any of the departments help you. its sad i had to do that but no one else will help unless the people that answer this number time is taken up. my time is just as important as there. the should improve there customer service if the do n't what people calling the CEO number. Again do not let them transfer you. make the person who answer the phone get involved. also other numbers i got are XXXX at XXXX XXXX XXXX she is 1st level manger who helped me after 8 days. also call XXXX XXXX at XXXX XXXX XXXX he is at security and tell him you want him to get involved because there customer service is so poor. The government should break this bank up. my wife is XXXX and i am Veteran XXXX who works nights to help to pay for my wife 's school XXXX. if any of these employees got this level of customer service from me or wife it would be criminal. they should feel ashamed. we deserve better customer service.
Consumer complaint received 2015-04-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (AZ)

Since. I paid {$1.00} to view Credit history on trial and Experian charged me {$24.00} and I can not access account called and I 've talked to the Rep said will send me an temporary password to access but I never gets it and never have a chance to view a Credit report! 
I felt Totally cheated and scam! I already read carefully a about " Review Experian " should learned from customer with ton of complained about it!
Consumer complaint received 2015-05-11
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This is a Rewards XXXX XXXX Account with Capital One. Terms call for XXXX reward point to be awarded for every {$20.00} in average monthly balance. So, if my average monthly balance was {$100000.00}, then I would receive XXXX reward points for that month. Historically, points have ALWAYS been credited at the end of a month or early the following month. 

I recently ( late XXXX 2015 XXXX made a substantial deposit that more than doubled the cash balance in this account. However I have yet to receive -- it has been 40 days as of this writing -- a point reward that reflects this larger balance. When I contacted Cap One I was told that a " systemwide computer issue '' is to blame and that I should receive my reward points within 60 days but, if this does n't happen, then I should call back, open a case and the matter will be investigated further. 

XXXX final points:1 ) In addition to reward points, there is also a cash interest component associated with this account. Cash interest continues to be credited at the end of each month, as it always has been. No " systemwide computer issue '' here. 

2 ) Reward points from this account are, effectively, cash equivalents in that they can be used to offset travel purchases -- airline tickets, hotel expenses, rental cars, for example. 

3 ) I have had this account for over XXXX years. At no point in the past have I ever had to wait over 40 days to have reward points credited to my account. Only recently, after the balance increased substantially, has this issue arisen. And frankly, Capital One 's explanation about a " computer issue '' is not credible, in my opinion.
Consumer complaint received 2015-06-08
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My company has a credit card account with Capital One. They have been charging interest on this account even though the card is paid off every month. 
We have to call them each time to obtain the credit for the illicit interest charge. Capital One considers a payment late if not received on a particular date and does not consider the post mark date as the date of payment. 
If Capital One receives the payment XXXX day or XXXX days later than the published due date the annual percentage rate increases to 29.4 % which seems predatorial.
Consumer complaint received 2015-08-07
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

XX/XX/XXXX, I opened a XXXX with Capital One. This card was marketed as a business card, not a personal one. Billing and payments were handled by the accounting department of my company. I discovered that my company made late payments for the card XX/XX/XXXX, and closed the account. Capital One then began to report the late payments on my personal credit report. I contacted them to ask them to remove this information because I did not have control of the payments directly. They refused to do this. It is my opinion that Capital One misrepresents this card as a business card, when as it turns out, they merely write the name of the business on the card, and do not report credit issues in the name of the business. This is a deceptive and fraudulent practice. I would like Capital One to remove this item from my personal credit report, and properly report it on the credit report of XXXX XXXX XXXX. I also think they should be made to cease the false marketing of this product so that others will not be taken advantage of and have their credit wrongly affected.
Consumer complaint received 2016-09-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

XXXX is reporting that I have XXXX outstanding debts with their company, on my credit report. They are reporting XXXX separate debts of {$1700.00}, {$520.00}, and {$480.00} respectively. I am unaware of any of these. I have contacted XXXX numerous times requesting a verification of these debts, but the will not give me any information about the origin of these debts they are reporting. They just ask me to pay them, even though I do n't know what they are.
Consumer complaint received 2016-09-22
Product: Credit card — 
Issue: Balance transfer fee — 
Company: BARCLAYS BANK DELAWARE (CA)

I have this card since XX/XX/XXXX with the initial balance transfer of {$450.00}. I have paid on time never late. I do n't use it unless it is emergency, not checking my statement. I did not realized that I was still being charged for the balance transferred since XX/XX/XXXX. I also did not realized that my monthly payment did not go towards the beginning balance transferred. I also did not know that I was charged with the interest of 23.24 % each month to this day XX/XX/XXXX of {$8.00} per month. How will I ever pay this off? If non of my payment goes to previous balance. Why are they splitting the payment to purchases and not toward the initial balance transferred. I think this is so unfair not to apply to the oldest balance first.
Consumer complaint received 2016-05-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I had a student loan show up from XXXX ; yes XXXX, when I was in college on a XXXX. I did n't even receive any loans at all because I was on an football scholarship. For about fifteen years I have been disputing these loans and I was finally instructed just to file a police report. Well here I am 15 days into that report and XXXX and XXXX has deleted the account from my report finally. Although Experian still shows the account on my report after be demanded to remove it in four days. This has been the worse experience ever. I am a XXXX XXXX player and here I am starring at student loans that were never applied for. And they even show them open in XX/XX/XXXX when I went to school XX/XX/XXXX!
Consumer complaint received 2015-07-07
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I took out a loan through my bank to pay off this credit card. My bank called them directly for the payoff amount and mailed the check. Company mailed the check back to the bank stating they could not credit to account. Bank immediately mailed the check back without changing anything. Company cashed it, and we assumed it paid off the account. After the account was sent to collections, we started asking questions as to where the money was credited to, and we wanted statements. The company, or the collection agency were not able to furnish us with statements, or any kind of answers. During this time, it has been reporting my credit as a charge off account. This has taken years to get no resolution, and it needs to be resolved. It 's negatively affecting my credit, and I am unable to move on with my life. We have provided all companies with documenting emails and copies of the cashed check to no resolution. During the time of the payoff, Capital One bought XXXX, so it is my belief that this situation happened in error during the handover.
Consumer complaint received 2015-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

I have filed for Bankruptcy Chapter XXXX back on XXXX XXXX, 2013. Discharged on XXXX XXXX, 2013. All accounts should be showing Chapter XXXX bankruptcy on my credit report, however last month I discovered that my XXXX XXXX XXXX account was reporting as 'Opened ' and 'Late '. When I filed a dispute with Experian, the results came back as a 'Collection ' item. Item was NEVER placed into collection. It should be part of bankruptcy. Please help.
Consumer complaint received 2015-04-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

In XXXX Capital One filed a XXXX with IRS for a charge off of a XXXX card debt in XXXX. I have no records of this at all. I found out about it from the IRS. On call Capitol One, they will not send any documentation, only the card number which is not mine. I have never had any calls, letters or other correspondence on this issue. The IRS is currently charging me interest and has threatened fines and will not even discuss relief on this issue without documentation, of which I have none. I did work for a company that filed bankruptcy around XXXX and it is possible that my name was attached to a corporate card at that time, but those records are no longer in existence. and if that is the case, why would Capital One wait 12 years to do something about it. 
I have spoken to at least XXXX different people at Capital One, including XXXX supervisors in the recovery division, and have been offered no help. I have asked for documentation and have been told that the documentation was mailed to some XXXX XXXX that I never heard of. I asked repeatedly for them to email of fax me the account info so that I had something to show the IRS but was told no.
Consumer complaint received 2015-04-22
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was mailed an offer for a secured credit card. I was told that after 12 months of payments the secured credit card would become a regular credit card. In addition, I was told after 3 months I would be eligible for a credit increase. I did not get a credit increase after 3 months, and after 12 months of payments, I was told I would not be given a regular credit card. I requested to close the account in XXXX XX/XX/2014 and I filed a complaint regarding the credit card company not issuing me regular credit card. I would like to file an additional complaint for the credit company falsely reporting the balance owed on the account, not reporting the account was closed on my behalf, and causing a negative reporting issue on my credit report and transferring my account to a third party collection agency. I spoke with XXXX, an accounts recovery supervisor, I also spoke with disputes. I informed XXXX departments that the information reported was incorrect and that they needed to correct it. Disputes said if I got the CFPB involved I would need to speak with accounts. I spoke with accounts again, XXXX, said she would not correct the information.
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MI)

My house insurance score in MI was lower than I expected and XXXX of the rating codes stated I had collections and past due amounts. Seeing this, I logged on to request a Experian report. On the report is a collection agency attempting a collection but its not an account that I ever opened
Consumer complaint received 2015-07-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

We agreed to a settlement via phone with Capital One and she set up automatic withdrawals from our account. We paid the final settlement payment XX/XX/XXXX. In XX/XX/XXXX I later received collection calls for the same account that was settled XX/XX/XXXX. I checked my credit report and it showed my settled account was not paid. I called Capital One and they said they did not receive any payments. Where did our payments go? Capital One automatically withdrew the agreed amount per month from our account. Our check copies showed receiver is Capital One, the account number, and date. I faxed copies of my bank statements and a copy of the last electronic check to Capital One and the collection agency. How much proof do they need? The collection agency, XXXX XXXX, denied my proof until I receive my settlement letter from Capital One. Capital One is still investigating and said they usually do not call to make settlements. Then they said they received the last payment on XX/XX/XXXX but it got returned so they could not do a settlement letter. According to our records the check was paid and posted to Capital One, because we did not get charged a bank fee and it was electronically withdrawn on the scheduled date on time, which is the XXXX of the month. First they said they did not receive any payment but now they are saying something else. I told them maybe they tried to get an extra amount realizing it was the last payment. I faxed them the copy that the XX/XX/XXXX check went through. Our statement showed no return fees. Everything was paid on time. I need assistance in getting a settlement letter and to correct my credit report.
Consumer complaint received 2016-08-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (VA)

I have disputed an inaccurate bankruptcy with Experian several times and they are not investigating the account. I wrote a letter to the court they have listed as the furnisher of information on my credit report. Several factors are wrong with the bankruptcy. Experian did not list an address or phone number for the court they claim is " verifying '' this inaccurate bankruptcy. It made it almost impossible to write a letter directly to the court, as Experian did not give me any contact info. I was able to find the court by doing extensive research online, the court responded to my dispute stating that Experian did not contact them in reference to my dispute. This is a violation of the FCRA, as they only 5 business days to send my dispute to the furinisher of information. Experian is liable to a {$1000.00} fine for lying about contacting the furnisher of information.
Consumer complaint received 2015-07-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One account issues a 1099c to IRS for an account which had unauthorized charges and never resolve with Capital One Bank and my account balance. Capital One Bank file 1099C without my agreement to file written off debt improper. The account was charged off in 2010 and Capital One written off debt three years of loss and file a 1099C
Consumer complaint received 2016-06-21
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (CO)

I went online to Experian to check my credit score for their advertised price of {$1.00} prior to making a major purchase. Doing this automatically enrolled me in a 7 day free trial for a monthly service I did not want and, subsequently, a monthly billing to my credit card for {$21.00}. I believe this is a dubious business practice at best, and XXXX beneath a major credit reporting agency. Although they did agree to cancel my service, they refused to refund my {$21.00}.
Consumer complaint received 2023-05-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Freeway Funding, Inc. (CA)

After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account listed under XXXX XXXX XXXX and validation was requested as this was an account that i did not recognize. I reviewed my credit again on XX/XX/2023 and the account continues to reflect on my credit report and i have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and the account still reflecting on the report. I do not believe the account belongs to me nor do I believe the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2016-08-24
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

For the month of XX/XX/XXXX, my Capital One credit card was due on XX/XX/XXXX. My statement balance was {$280.00}, however, I had a higher balance from recent transactions. I paid {$500.00} from my XXXX on XX/XX/XXXX and it came out of my checking account on XX/XX/XXXX ( see attachment ). Since I paid my entire statement balance, I now have no payment due until XX/XX/XXXX. I am enrolled in text alerts from Capital One for purcahses, payments, etc. At XXXX on XX/XX/XXXX, I received a text saying, " Capital One Alert : Your payment of {$280.00} is scheduled for XX/XX/XXXX. Contact us if your payment details are incorrect. '' I was sleeping at this time, so I know I did not schedule this payment nor did not contact Capital One until XXXX the same day. I was told that yes, a payment had been scheduled via a Mobile device and could not be canceled. I reviewed my payment history and at least since XX/XX/XXXX, I have used XXXX to make my payments to Capital One, but this time, it was scheduled from my husbands XXXX account. Back to school time and a XXXX, my husbands bank account had a very low balance that was not able to cover this {$280.00} payment. My husband called his bank and they said that nothing is pending or posted as of yet and to keep an eye on it. As soon as he sees something come through, he will need to contact the bank so they can flag it and cancel the transaction.