davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-28
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I have a XXXX hours week job, that pays near {$850.00} every XXXX weeks period. This job is regular. At work at XXXX location. With a car, I have the potential of doubling the number of hours and thus the income. My only expenses are a Home Owners Association fee of {$320.00} per month. Oh, I do have an XXXX XXXX for food. I am not looking for a luxury car, but XXXX wheels for the XXXX job/additional XXXX hours a week. This is the answer I get : " Thank you for your interest in a pre-qualified offer from Capital One Auto Finance. After reviewing your information, we 're unable to provide you with a pre-qualified offer. We will send you a letter in the next 7-10 business days with more information regarding this decision. 
Remember there 's no risk to your credit score when checking your eligibility for an XXXX pre-qualification offer. 
For your privacy, our customer service associates are unable to discuss reasons for our decision by phone. " Then, at other end of the XXXX phone number, I get to speak to an obviously XXXX girl, paid as miserably, as I am ( paid ). 
Does anyone have a badge and a XXXX, for these XXXX, and not innocent Americans of XXXX?
Consumer complaint received 2016-01-10
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Hi, I purchased a XXXX XXXX 2014 in XXXX of said year. I feel I paid too much for it. Since then I 've been paying $ XXXX.month for the car at 9.1 % interest. My Credit score at the time was XXXX through XXXX. I paid {$4000.00} cash downpayment and at this point ( 1yr and a half later ) I still owe aproximately {$25000.00}. I am XXXX and maybe that was the reason they made me pay that much. I would like to find out. 

Thank you, XXXX XXXX
Consumer complaint received 2018-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (NC)

My complaint is both PHEAA and XXXX are reporting the status of an account with two different account numbers PHEAA # XXXX and XXXX # XXXX respectively, different dates, different balances? to all nationwide consumer reporting agencies. Additionally PHEAA continues to contact we and not my attorney who is currently handing my account via POA.
Consumer complaint received 2016-01-17
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

In XXXX, I believe I had completely paid of my Kohl 's Charge account. In order to check, I logged into my online account there. As I did not recall my account information, I had it sent to the email address which I had been receiving statement reminds at. I then logged in and saw that I was entirely paid up. Unfortunately, there was a bug in their system which caused me to login to a prior account with Kohl 's which had been closed. Since then they have fixed this bug, and require the Kohl 's card number rather than email address, so I get directed to the proper account. This issue was made worse by the fact that I moved around that time, so did not receive any written notices. 

In XXXX XXXX, I was denied credit, so went and looked at my credit statement, and found the derogatory information. I immediately called up Kohl 's to determine what had happened. After over a dozen phone calls between them and debt collection agencies, it was determined that they had lost my account and I should call back in a month. A month later, and many more phone calls, I successfully was put in touch with a collection agency and paid off my account with them. 

Since then, I have disputed the account with the credit agency and with Kohl 's directly. In XXXX XXXX, After receiving a written form letter from Kohl 's with a contact number, I attempted to contact them. I have left at least half a dozen messages on their voicemail, but have never received a response.
Consumer complaint received 2016-07-20
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received an offer fro Capital One to refinance my home. I called them to get the process started and submitted all of the requested documents through their loan document tool. I received phone calls nd emails stating they had not received documents. Iwastold by XXXX XXXX, Mortgage Lending Spec, to email docs directly to her. I did confirmed on the phone that she had received everything. I called the title company to followup on an email I received and was told that my file was closed. I contacted XXXX to ask what happened and was told I needed to speak with XXXX XXXX who was my Loan Officer. XXXX was out of the office. I followed up with an email on XXXX stating that my fil was closed and I have n't received phone call, letter, or email stating why nd that my credit score took a really big hit from this process. I would at least like an explaination. I till have n't received any feedback. I have a right to know why my refinance did n't go through and Captial One has n't been forth coming with any information.
Consumer complaint received 2018-07-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (OH)

Issue is with XXXX XXXX XXXX, specifically XXXX XXXX in XXXX, Ohio. 

Had a 3 year lease ( XX/XX/XXXX - XX/XX/XXXX ). Turned car into a local Hyundai dealership in XXXX because they said they're the same company ( XXXX XXXX XXXX and XXXX XXXX XXXX ). Never received a bill or communication from XXXX after that point. At this point all of my communication with XXXX XXXX was through paperless billing ( email ) or mail to my then and now current address ... 

XXXX XXXX XXXX, XXXX, OH XXXX ( Skip ahead a year ) My girlfriend and I applied for a mortgage and were declined because my credit score was in the 620s. When I leased my current car and turned the XXXX in ( XX/XX/XXXX ), my credit score was in the 720s. Our  mortgage lender told us I had an unpaid bill from XXXX so I contacted XXXX XXXX. They had charged me {$60.00} for wear and tear, which is completely acceptable. But they also charged me {$450.00} for a " re-stocking '' fee. I believe that is the terminology they used. 

We can obviously debate how scam-like a concept that fee is but that's not the issue. I paid the fee as soon as I learned about it in XX/XX/XXXX. Idiotic but whatever it was probably in the fine print. 

The problem was that they charged me a fee, never told me about it and sent it to collections twice without me ever knowing, for a year. And that is what killed my credit score and my specific issue. I have not been able to get a credit card since and build my credit back up because of it so I'm asking for help in dealing with XXXX XXXX, and that specific " ding '' on my credit report. 

When I spoke with XXXX they said all of the communication had gone to my original lease address ( 3 years prior ) ... 

XXXX XXXX XXXX, XXXX, Ohio XXXX ( I think this is accurate ) ... and even though they had my current address had only sent mail to the one they knew I was no longer at. They also could have easily communicated with me through email since I was registered for wireless billing. Essentially from my standpoint, they billed me something outrageous for no reason and then compounded it by knowingly sending the only communication to and old address I would never receive. 

After immediately paying the bill, XXXX XXXX told me they would sending a letter to the credit bureaus explaining the issue so I wouldn't be screwed by their negligence but that apparently never happened.
Consumer complaint received 2015-12-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (MS)

On XXXX XXXX, XXXX, I received a letter from Diversified Consultants, Inc. informing me of a {$710.00} balance due with XXXX XXXX. I sent a letter on XXXX XXXX, XXXX requesting verification of the debt. I received a letter from Diversified Consultants , Inc., dated XXXX XXXX, XXXX with a statement dated XXXX/XXXX/XXXX showing a balance of {$710.00}. However, I also have a billing statement from XXXX/XXXX/XXXX showing a {$0.00} balance from XXXX XXXX, one month after the statement from XXXX/XXXX/XXXX. This was not sent to me by either XXXX XXXX or Diversified Consultants , Inc . I gained access to my online account through XXXX website, where I downloaded the bill. 

XXXX XXXX canceled the bill principal of {$710.00} on XXXX/XXXX/XXXX. If anything, the original creditor should issue me a copy of IRS Form XXXX. The IRS requires this form for each debtor a company has canceled a debt of {$600.00} or more. My canceled balance of {$710.00} meets this requirement. The {$0.00} balance, {$710.00} credit, and lack of payment due on the XXXX/XXXX/XXXX shows that XXXX XXXX has canceled this debt, and will likely receive tax benefits. 

In XXXX, XXXX similarly tried to collect on an amount that had been noted as an " internal charge-off '', and was denied, as this may have created a mandatory duty under IRS regulations to issue the defendant a XXXX Creditors who benefit from this tax practice may render it " inequitable '' to allow them to belatedly enforce the alleged debt after it received the benefit of a charge-off. ( See, e.g. XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX ( Dist Ct XXXX XXXX ), XXXX, XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX, XXXX ( Bankr Ct XXXX XXXX XXXX ) [ " The actual ( or at least potential ) tax consequences of the form make it inequitable to allow the [ creditor ] to enforce its claims against the debtors '' ] ; see also XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( App XXXX ) ( issuance of Form XXXX after debt was written off is " XXXX '' that debt had been discharged by creditor, sufficient to create an issue of fact ) ; XXXX. 

I have included a copy of the final statement that shows the {$0.00} balance from XXXX XXXX, which I had to obtain on my own and was not sent to me during the verification process. Also, I have included the statement sent to me by Diversified Consultants , Inc. for XXXX XXXX, and the letter from Diversified Consultants accompanying it.
Consumer complaint received 2016-06-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (PA)

This collector has been calling every single day multiple times for the past 10 months. I have printed out phone records and dates written down of each time they 've called and on multiple occasions I told them I did not have the funds. I tried blocking their phone numbers but they continuously call every single day with a different phone number at all times of the days and nights. It has not been one day in between that they have not called me in months trying to collect a debt. I finally broke down today and told them they are harassing me.
Consumer complaint received 2016-10-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Convergent Resources, Inc. (MD)

I was contacted on XX/XX/2016 by Convergent Outsourcing Inc regarding outstanding student loans for my daughter. I am a co-signer on the private student loans. Prior to this phone call I had not been notified of the status of her loans. The debt collection company has sent me 2 letters via email stating if I pay a total of {$15000.00} the XXXX loans will be considered settled. I was given a deadline of XXXX to make the payment otherwise the offer will expire. I would like to validate this is not a scam. I am not sure how to go about determining this is not a scam.
Consumer complaint received 2016-11-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I had submitted a prior complaint under case number XXXX. 

I had signed up for a citigold checking account promotion ( promo code XXXX ) where i was promised XXXX thank you points if i opened an account as well as participated in bill pay. After submitting proof of a citi chat rep confirming i had met the requirements, and would receive the bonus. I had then received the following respone from citi through the CFPB : Citi Bank said : Explanation of closure XXXX XXXX, please accept my sincere apology for the inconvenience you described surrounding your attempt to participate in a new account promotion to potentially earn Thank You points. Our goal is to ensure that all of our clients are provided with the highest level of service and we regret that you found cause for dissatisfaction under any circumstance. I assure you that our marketing strategies are certainly not intended to mislead you, or any potential client. Citibank, like other banks, periodically offers promotional bonuses to deposit account applicants to attract new banking clients. In order to conduct our promotions in a manner consistent with sound business practices, we may customize offers by direct mail campaign initiatives to select individuals, in addition to the requirement of the standard terms and conditions that Citibank discloses for its promotions. 

In our review we found that the offer in question, promotional code XXXX, was not directed to you. However, Citibank fully respects any obligations made to you in the chat conversations you had with our Customer Service agents. Therefore, we are prepared to honor your request and the XXXX Thank You points ; however, your enrollment to the Thank You Reward Program is still pending due to not receiving your completed XXXX form for your account. Once the Form XXXX has been received and processed then we can enroll you in Thank You and credit the Thank You points to your Thank You account. We anticipate that the Thank You points will be available in your Thank You account within the next 60 days as long as your Form XXXX is certified successfully. 
Relief Non-Monetary relief granted of XXXX Thank You points pending Form XXXX is certified successfully. 


I also received a hard copy letter from XXXX XXXX of the Executive Response Unit on XXXX/XXXX/16 informing me i would receive the XXXX thank you point bonus as long as i filled out a XXXX form. I had a form, sent to me which i filled out, and sent back, as well as cconfirmed i am signed up for the Thank You rewards program through the citigold website.
Consumer complaint received 2016-05-17
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Cohn, Goldberg & Deutsch,LLC (MD)

Did not disclose communication was an attempt to collect a debt Not enough information to verify debt i.e. amount of debt & name of creditor Did not receive notice of right to dispute assignment fraud was to the servicer assignment fraud was challenge in 2012 upon discovery they dismiss the case of fraud assignment was prepared by co-conspirator XXXX XXXX, PC, and debt collector XXXX XXXX, Na ( XXXX ) XXXX, XXXX XXXX ) without document of true fact of who the owner note, or mortgages are .lack of transparency and fraud activities
Consumer complaint received 2016-07-20
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Harris & Harris, Ltd. (IN)

Harris and Harris called my home. They spoke to me ( XXXX ) asking if XXXX was home. I inquired as to which XXXX they were calling about my son or husband. I gave them my husband 's date of birth for clarification, and they confirmed it was for my husband. They told me the details and the service was from XXXX XXXX. I said wait a minute, I just called Harris and Harris and they said we had no bills there in my name or my husbands. She ( XXXX XXXX ) said oh that is right you called and we told you we could not speak to you, since the bill is your son 's. I said wait a minute your calling about my son who has a different birthday then my husband, when I verified the date of birth by giving you my husbands, you said it was my husband you were calling about, when clearly if you looked at the record you would have seen it was not my husband who has a date of birth of XXXX/XXXX/XXXX, but you were calling about my son, who has a date of birth of XXXX/XXXX/XXXX. A clear distinction. Then you tell me the bill is from XXXX, I upon inquiring about that you than said oh it is from XXXX. At this time I informed you not only did you violate XXXX, but you also got dates wrong. I asked to speak with a supervisor/manager and XXXX XXXX who identified herself as a supervisor came on the line. I informed her the representative violated XXXX, I even tried to confirm she was speaking to the correct party and the representative, was not correct and told me she was when actually she was calling about my son. I informed her I would be filing a complaint and she said that was fine. They do record the calls. It was approximately between XXXX when the phone conversation took place. The supervisor told me they were going to pull the call for coaching purposes.
Consumer complaint received 2017-02-02
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: AMA Advisors, LLC. (NY)

We applied for a refinance at 3.125 % for 20 years. Homebridge, which is also my current lender, dragged out the process for over 60 days, continuously delaying submission of documents. Each time we were asked for a document, we provided within 24-36 hours. Homebridge delayed our closing so long that the mortgage rates skyrocketed and they refused to honor our signed rate lock even though all delays were their fault.
Consumer complaint received 2015-12-02
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NC)

HSBC BANK Acct # XXXX Status : CHARGE-OFFThis account was reported in XXXX 2008 as being the victim of identity theft ( Police Report # XXXX ) and all information was sent to them via certified letter and via Fax. It has been nearly 8 years since this occurred, and I am still riddled with issues in their reporting and that they 've " charged off '' the account. I have contacted them on several occasions requesting they provide proof of ownership ( signed documents ) and that all charges were legitimate. In each instance, they have never responded. I have disputed these entries on my credit files and they are continually updated with inaccurateinformation. 
In the past 60 days, I have once again sent correspondence to both XXXX and the creditor requesting validation of acct ownership. Each time, they do not provide anything other than an electronic verification that what information they have is correct. When I dispute the accounts to show that fraudulent charges were made on the account, I 'm told that the creditor will not respond and that I need to speak with them. 
I have done all I can do to get this resolved. The only thing that the creditor and XXXX are doing when I dispute these items is to verify my name, SSN and account status - NOT FRAUD CHARGES. 
By law, they have not responded with evidence and appropriately within 30 days to the legitimacy of the charges and have not provided any response or evidence they are investigating the nature of the charges associated with my former acct. In doing so, they 're in violation of the FCRA laws and must remove all entries of this account immediately.
Consumer complaint received 2015-04-28
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (AZ)

There were XXXX unauthorized transactions on my account dated XX/XX/XXXX. On XX/XX/XXXX, after multiple attempts to contact American Express, the transactions were confirmed unauthorized and I was told the amounts would be credited back to my prepaid bluebird card. I had such a difficult time reaching a representative at the company the multiple times that I called, that I told them I wanted to cancel the card and have the money refunded to me via XXXX XXXX. I was told the max amount that could be sent was {$450.00} I said that was fine and I would cancel the card after I used my refunded amount. I was told to call back in 48 hours for a tracking number. When I called back, they could not locate a tracking number and I was told to call back again in 48 hours. This cycle repeated itself with multiple representatives ( some who did not understand what the problem was due to the language barrier of their call center being located in the XXXX ) until XX/XX/XXXX, when I was finally issued a tracking number. I went to XXXX XXXX and was told the number was invalid. I called AmEx again and they confirmed the number was correct and that I should try again in 48 hours. Again, the number was invalid and I was told to call back in 24 hours. The cycle continued again until XXXX XXXX when the tracking number expired. Since that date, I have made multiple phone calls to obtain a new number and XXXX times in row was told there was no record of my previous call and to call back in 48 hours. Today, XXXX XXXX, I was able to reach someone at XXXX XXXX who told me the money has been returned to AmEx and I need to deal only with them. This has been ongoing for nearly six months and American Express still owes me {$450.00}. I will never use anything related to American Express again.
Consumer complaint received 2017-01-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc. (FL)

The institution in question mailed me a bill for {$56.00} after my visit which I had pay my co-pay. The statement had no due date and was payable by check, on XX/XX/2016 I paid the balance in full. Then on XX/XX/2016 after the balance was paid in full the institutions sent me to collections ; which now reflects a collection case on my credit report.
Consumer complaint received 2015-10-15
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC (IN)

Took out this loan in the amount of {$600.00}. Was told that the loan was {$130.00} per week but was not told that the loan the following 2 weeks and going forward would be {$200.00}. I found that out when they debited my account and I called them. They then sent me a copy of my application. I also found out today from the Indiana DFI hat this company is unlicensed to lend in Indiana and that the percentage rate is well over what is allowed ( 720 % ).
Consumer complaint received 2016-06-28
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (MA)

copy to cfpb ombudsman team also email document to cfpb ombudsman unresolved issue ... 
XXXX XXXX XXXX XXXX IS NOT MY LENDER acts contrary to honesty and justice making false statements or AND present false statements BY under the control of ocwen loan serivcers ( XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX. presenting lost note that has been fabricated or doctored documents, these need to be brought under the attention of Economic Crimes Division of the XXXX State Attorney General 's office FOR investigation.