davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION ()

I opened an account with Sim ple ( BBVA Compass ) bank  several months ago. I have kept my account in good standing, but once I notified them I had moved overseas, they said they would have to close my account within a month.   XXXX  Despite being  a U.S. citizen, and still being paid in USD, the y still refuse to agree to keep my account open. When I asked for an actual explanation, all they could really come up with is " our Terms of Use permit us to close accounts at our discretion ''.   XXXX  I have included screenshots of my conversation with a support person at Simple.
Consumer complaint received 2016-08-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CL Holdings LLC (TX)

XXXX has continued reporting XXXX 2005. This was a debt switched to my name before my ex-wife divorced me. XXXX has changed collection agencies to keep this on my record. I 'm not paying it and it 's over 10 yrs old. Take it off. 
.
Consumer complaint received 2017-06-28
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (NV)

From  XX/XX/XXXX  to  XX/XX/XXXX  all of the transaction history of the lease billing and payments appears to be correct. The problem started on the  XX/XX/XXXX  billing statement ( with a due date of  XX/XX/XXXX  ). For an unknown reason, the  XX/XX/XXXX  billing statement displays a past due amount of {$1.00}. I called VW Credit on  XX/XX/XXXX  and spoke with  XXXX .  XXXX  was not able to determine the reason for the past due amount. Even without an explanation or justification from VW Credit, I paid the amount listed because I did n't want to risk being delinquent.   Even after paying the regular amount due and the {$1.00} past due, the same amount of {$1.00} past due appeared on the  XX/XX/XXXX  statement ( with a due date of  XX/XX/XXXX  ). I contacted VW Credit again by phone and this time spoke to  XXXX .  XXXX  's explanation was that VW Credit was having an issue with a data feed to a third-party statement producer and that the past due amount was incorrect, did not need to be paid, and could be ignored. I requested that the statement billing be corrected.   The  XX/XX/XXXX  statement ( with a  XX/XX/XXXX  due date ) continues to display a past due amount.   I contacted VW Credit now a third time, this time I spoke with  XXXX  on  XX/XX/XXXX .  XXXX  did n't have an explanation but said she would request a transaction analysis from a support department within VW Credit and get back to me.  XXXX  has provided no follow up.   I contact VW Credit for a fourth time today,  XX/XX/XXXX  and spoke with  XXXX .  XXXX  and I were on the phone for nearly 90 minutes. We reviewed the billing and transaction history month by month, transaction by transaction since the lease inception in  XX/XX/XXXX . All of our figures were in sync up to  XX/XX/XXXX . Like the other VW Credit representatives,  XXXX  was not able to identify or explain why the past due amount was displayed for the billing statements in  XX/XX/XXXX , or  XX/XX/XXXX .   I demanded that  XXXX  escalate the call to a Manager.  XXXX  said there were no managers available. I informed  XXXX  I would be filing a complaint with the CFPB. I also asked  XXXX  to provide a contact phone number for the  Executive Offices of VW Credit and/or Volkswagen of America .  XXXX  said he did not have an external phone number he could share.
Consumer complaint received 2017-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX XXXX, 2017, I attempted to access my credit card account with Capital One. When I entered my username and password, a message appeared stating, " We have detected something different about this sign in. Please choose a way to verify your identity before we take you to your account. '' I was unable to proceed to my account information. <P/>I submitted a letter to Capital One, explaining the problem, and requested that Capital One provide a written explanation concerning my sign-in. Capital One responded with a letter dated XX/XX/XXXX, a Case # and a request that I contact their customer service representatives. <P/>On XXXX XXXX, 2017, I submitted a second letter explaining the problem, and that a customer service representative was unacceptable, due to the nature of the problem. I ordered Capital One to provide me a written explanation of the problem, or have a technician contact me. <P/>Thereafter, sometime between XX/XX/XXXX and XXXX XXXX, 2017 a male called with an XXXX accent. I could not understand what he was saying. I said to him, " please have someone call, that speaks English ''. <P/>As of XXXX XXXX, 2017 I am still unable to access my credit card account.
Consumer complaint received 2017-06-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: OPORTUN FINANCIAL CORPORATION (CA)

The company Progreso also known as Oportun has been very unprofessional and negative about the resolution of my loan. Every time I call for information about pay off amounts, it 's a different story and bad costumer service as well having to describe to a several agents your situation. I have also been sued by this company for less than {$3000.00} dollars and keep adding costs to my pay off balance. This company is so bad that they continue the law suit even after I paid the fees they demanded I paid the latest {$2000.00} on X/XX/2017 after trying to pay off the entire amount since X/XX/2017 and a couple of times before that in XX/XX/XXXX, but every time I called a different agent had a different amount to pay. Overall it 's been a nightmare dealing with this company, I do n't recommend it to anybody. They have denied to deal with my Financial Mediator to step in in my favor. Above all, what upset me the most, was oportun, sending one of they 're employees to my house, Aggressively knocking my door, and handing me court papers, instead of mailing these forms, Oportun took Extreme Measures by sending someone to my house. This is a very corrupt Company, I will never deal with these individuals again.
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted 4 dispute requests, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in regards to tax liens on my credit report. They were not verified but were not deleted from my report. Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, SSN and DOB in order for it o appear on your credit file. The credit bureau does not have the verifiable information and the Tax liens should be deleted from my credit report.
Consumer complaint received 2017-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (PA)

I signed up for the XXXX XXXX XXXX XXXX Chase Credit Card in XXXX 2017. I signed up via their website, which clearly stated that I would earn XXXX bonus points after spending {$1000.00} in the first three months of account opening. I do have a screen shot showing the offer that was made to me. I ensured that I exceeded the {$1000.00} of spending in the first three months of having my account opened so that I could earn these bonus points. However, the XXXX bonus points were never provided to me after several months of waiting. I then contacted Chase about the missing points. They informed me that I had signed up for a sign-up bonus of XXXX bonus points after exceeding {$2000.00} of spending in the first three months of the account. I tried speaking to different people inside of Chase via their secure messaging system, but everyone refused to help me. The problem is what their systems say I signed up for and what I actually signed up for are different. This is a " bait and switch '' scam that they are running, either knowingly or unknowingly. I was never informed of needing to spending {$2000.00} to earn my bonus points. I believe Chase needs to honor their initial offer to me of XXXX bonus points and that the CFPB needs to look into why Chase is offering potential customers one sign-up bonus, but then switching them to another sign-up bonus without their knowledge. Thanks! XXXX XXXX
Consumer complaint received 2017-06-28
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC (IN)

Hello, I am writing to you today ( X/XX/17 ) to file a complaint against a mortgage company called ROUNDPOINT, out of XXXX, NC. This was my mortgage company, until we sold our home on XXXX XXXX, 2017. My mortgage was paid off and we finance a new home through a new mortgage company. At the time that my home was paid off in XX/XX/XXXX through Roundpoint my escrow was also renewed. My realtor had me contact roundpoint to see if they owed me a refund. Turns out they do. Approx {$430.00} worth. It is now almost XX/XX/XXXX and I have still yet to receive my refund from them. I have been given the runaround from them, they have told me they have mailed me a check, then I was told they did n't mail me a check so then they mailed me another check, I still have not received it, so then I called them back again so they issued another check, still did n't receive that one. I did however receive from them in the mail a " congratulations your home has been paid off. '' So I have managed to get mail from them, just not my refund. I called them last Thursday which would have been XX/XX/XXXX, and I threatened them that if they did not overnight me a check that I was going to file small claims court charges on them. The gentleman on the phone PROMISED ME that they were going to overnight me a check. Here it is Tuesday and I still have not received a check. Today is XX/XX/XXXX. I called them back again and the lady on the phone told me that they mailed me a check Friday ( X/XX/17 ). And then I should be receiving it sometime this week or next week. And I informed her that this is the fourth time that they have tried to send me a check that I am not receiving. I do n't know what else to do and I 'm looking for help. I am ready and willing to file small claims court charges effective immediately unless I receive my money in 48 hours. <P/>XXXX XXXX XXXX XXXX XXXX XXXX, In. XXXX XXXX Roundpoint acct # XXXX
Consumer complaint received 2017-06-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OR)

I currently have 6 loans that have been consolidated with Navient. I have been making good/on-time payments for the last 3-4 years. My payments are going towards an " Unpaid Interest '' balance that apparently goes up daily and monthly ( yes-I confirmed this with a call I made today. The amount goes up on a daily rate and a monthly rate ). Just to give a good idea of how much it is going up : XX/XX/XXXX : " Unpaid Interest '' total- {$620.00} ; XX/XX/XXXX " Unpaid Interest '' total- {$940.00}.
My Unpaid Principle hardly changes-it was the same amount for 4 months. Total amount is {$39000.00}. According to my XXXX/XXXX statement-my total interest paid to date is {$11000.00}. My current payments are {$100.00}. I understand that is n't much, but at the way they are going, I will NEVER get the unpaid interest down to actually get my principle down. I have attached just a progression from XX/XX/XXXX-Present, but I have ALL of my statements available if needed.
Consumer complaint received 2017-06-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DC)

I was in XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX and I have a total of nine student loans : two Stafford loans and a Plus loan from XX/XX/XXXX-XX/XX/XXXX, and six Direct loans from XX/XX/XXXX-XX/XX/XXXX. I am on a Pay as You Earn plan, and all of the loans are serviced by Pennsylvania Higher Education Assistance Agency ( PHEAA ). Every year, I have re-submitted my IDR request on time to re-certify my income for the purpose of determining my student loan payment. <P/>This year, when I timely submitted my request for income-driven repayment ( XX/XX/XXXXIDRrequestreceived ), either the Department of Education or PHEAA failed to apply it to all of my loans, applying it only to my XX/XX/XXXX-XX/XX/XXXX loans and not y XX/XX/XXXX-XX/XX/XXXX loans. ( See attached documents -- XX/XX/XXXX for the loans PHEAA correctly applied the request to and XX/XX/XXXX for loans it failed to apply the request to. ) As a result of this oversight, my student loan payment has gone up to over {$1000.00} because my new income information was applied to all of the loans. I have tried to make approximately the loan payments I would owe had my account been handled correctly. However, PHEAA has on some occasions applied my payment partially across all loans, causing all of them to incur late payments ( see XX/XX/XXXX ). Every month, I try to pay what I should owe and every month I receive a notice that there is a delinquency on my student loans ( see XX/XX/XXXX ). It appears that in XXXX PHEAA applied the IDR request to my XX/XX/XXXX-XX/XX/XXXX loans ( see XX/XX/XXXX ), but the delinquent balance remains. <P/>I have contacted PHEAA twice to request that the agency properly calculate my student loan balance, remove the portion of the balance in default, and mark my account as current. The first time, the customer service rep suggested that I put my loans in forbearance -- I of course declined because this would have capitalized the outstanding interest on my student loans. Both reps said they would take care of the situation, but every month, I keep getting late payment notices ( see XX/XX/XXXX ).
Consumer complaint received 2017-07-26
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: HSBC NORTH AMERICA HOLDINGS INC. (ID)

Contacted my employer and asked for the payroll department. Told payroll my name and that I was being sued and needed personal information. Gave them the number to a supposed attorney. They were vague, rude and kept bringing up the point that i was being sued. I have no knowledge of this lawsuit and have received nothing by mail. The call was forwarded to me and the caller was speaking very fast stating I am attempting to serve you papers and you have 2 hours to call the attorneys office of XXXX XXXX XXXX so you do n't miss your court date. He gave me the number then hung up. Very confused I called the number provided and the recipient identified himself as an attorney stating I was being served papers and being sued for moneys owed to HSBC. I received nothing by mail and was confused to the debt so I inquired to send me literature on this for vetting. He kept bringing up that the debt is valid but we could settle for an immediate payment. Hesitant I said not now as I 'm suspicious and he gave me another number tho the " owner '' of the debt. I spoke with her and again she was rude, in a hurry and said her company does this all the time and does n't want to waste her time talking this out and will gladly just garnish my wages, intercept my tax return or levy my property unless i agree to payment terms immediately.
Consumer complaint received 2017-07-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I have disputed items on my credit report from this company asking for verification and validation of a written agreement with them. This company has verified my account as accurate and sent a copy of a credit card statement. This is no showing that the information is accurate or owed to them. After I submitted a disputed they have since added new records to my credit report for the same company but different amounts. They have failed to respond the the other disputes I have filed but have makes them as accurate.
Consumer complaint received 2017-07-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Meade Recovery Services, LLC (UT)

Meade Recovery Services has been sent XXXX requests in written correspondence to the address they themselves provided. XXXX requests for validation of the amount reporting on my credit report of XXXX have been sent via certified mail, both of which they refused to respond to. I have attached XXXX request sent certified mail on XX/XX/XXXX, as well as a cease and desist notice when they failed to respond. In order to validate this " account '' and the balance reported as owed, Meade Recovery Services violated my legal right by failing to provide me any documentation whatsoever, which has been requested in writing twice since XX/XX/XXXX. I provided updated contact information to hopefully help facilitate getting the documentation I needed to be able to know what this account was, and dispute it if appropriate. Meade Recovery Services violated FDCPA regulations by 1 ) failing to provide documents to validate, including date of service or services provided, and 2 ) by continuing to collect or threaten legal action if it 's not resolved without first providing the validation as requested.
Consumer complaint received 2017-06-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (VA)

I bought a car on XX/XX/XXXX and it was financed thru Wells Fargo Dealer Services for 66 months with the first payment beginning on XX/XX/XXXX. The ORIGINAL maturity date would have been XX/XX/XXXX however I had 3 deferred payments, not in a row, and at time of each deferment, I had to pay an interest fee. I also received paperwork each time which extended MATURITY date by one month with the FINAL MATURITY DATE being XX/XX/XXXX which is 3 months from the ORIGINAL MATURITY date. I have ALL paperwork documenting deferments, vehicle contract, etc. I made my last payment and have been patiently waiting for my title. Imagine my surprise last Monday, XX/XX/XXXX, when Wells Fargo called to say I was 22 days late with my XXXX  payment!!! I explained to the customer service rep that I had made all 66 payments therefore no longer owed any additional payments. This is when the chaos really begins. She insisted I owed 3 MORE payments!!! I asked to speak to her supervisor, XXXX, she also said that the account was past due but she had a different figure. The next several people we spoke with - all had different figures but nobody could come up with WHY or where their figures were coming from. We spoke to XXXX, a Supervisor in the ( XXXX ) area code who counted the payments while we were on the phone and acknowledged that YES, all 66 payments had been made so he did not understand what was going on with the account and suggested we call the Office of the President. And it really got worse from here. XXXX from the Office of the President opened up a complaint for us and she was awful. She insisted that my original MATURITY date was XX/XX/XXXX and add the 3 months deferred to that and that 's where the money I owe is coming from. It 's basic math. XX/XX/XXXX to XX/XX/XXXX is 66 months. Add 3 months. You get XX/XX/XXXX - not XX/XX/XXXX. Plus I have record of all 66 payments so here I am - no car title ; Wells Fargo steadily calling me every day saying I owe them money but not one person in that company can really explain how they got to this even when asked how it is I 've paid 66 payments and 3 more payments makes 69 and not to mention what this is doing to my credit score. I have a daughter in her XXXX XXXX at XXXX XXXX who relies on me for Government loans and if my credit is steadily being ruined, then I can not quality for her loans. Please help me. This is beyond ridiculous. Wells Fargo Dealer Services HAS GOT to be held accountable at some point.
Consumer complaint received 2017-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (UT)

XXXX XXXX XXXX charged me a fee to set up and have what they sold to be bi-weekly payments made to my lender. They were to take out 1/2 the mortgage amount every other week on dates I specified, and pay my lender twice per month. This was part of their " Interest Minimizer ''  program. I found that 1-they only made one payment per month -- whatever was the amount due and 2-they paid by paper check, which my lender did not accept. This caused the lender to continuously report that I was behind on the mortgage. I cancelled my " membership '' with XXXX XXXX when I found this out. I have since found that there is a lawsuit against this company, and hundreds of other consumer complaints. Links to the articles are here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am still receiving letters in the mail and phone calls from this company inviting me back. Meanwhile, my credit report is a mess and I can not get a loan for a car. Mortgage company is PennyMac.
Consumer complaint received 2017-06-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial (OH)

On XX/XX/2017 I borrowed {$800.00}. To date, through XX/XX/2017, I have paid {$1600.00} for this loan, over twice the principal. It is becoming a real hardship for me to have {$130.00} taken out every pay. Since I 've already paid back almost twice the principal, I asked for settlement. They refused a settlement telling me I did n't qualify for a settlement, but could n't tell me why I did n't qualify for a settlement. They only offered to let me pay {$690.00} more. I asked if I had to default before they would consider a settlement and they could n't answer that question. I have been a good customer and never defaulted. I guess that does n't count for anything. They repeatedly ignored my emails and I had to call them. They also left me on hold for an extended period of time. I guess all these were stall tactics hoping I 'd give up. They state on their website that if one has trouble making payments to please contact them and they will work with you. Apparently that is not true. I am not even sure if this loan is legal. I would like to have this loan marked as paid in full. I think they 've made their money.
Consumer complaint received 2015-05-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Gentlemen. 

Bank of America approved the borrower for a hamp modification back in XXXX 2014. Three times the borrower had to sign a modification document because Bank of America stated there was something wrong with the notarization. It appears to me that the first modification was signed and notarized correctly. Borrower got XXXX more modification documents to sign. XXXX in XX/XX/XXXX and XXXX more in XX/XX/XXXX. The XXXX in XX/XX/XXXX was executed in XX/XX/XXXX by Bank of America. 

Bank of America is now sending back Borrower checks. Bank of America needs to honor the hamp modification. Borrower has all funds needed to reinstate at modified payment. 

Thank you