davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-03
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

I was charged {$170.00} in a foreign country by a travel agency under false pretenses that i did not have an alternative option. I did everything in my power to cancel the transaction in the moment and also I immediately contacted Citi to dispute the charge/report the fraud. Citi opened an investigation and asked for supporting details/documentation, which I provided. Citi then closed the investigation in the merchants favor without providing clear details as to why the merchant was protected instead of me, the customer. This credit card advertises fraud protection and {$0.00} liability in events of fraud, but in this case, I have not been protected.
Consumer complaint received 2015-06-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Aspen Yo LLC (FL)

A recent check on the XXXX XXXX XXXX XXXX XXXX found a foreclosure case filed against me by a Gregory Funding/GREAT AJAX OPERATING PARTNERSHIP LP. There were motions submitted for approval and hearings held on this case without being served or even a summons being issued by the court. I spoke to the attorney of XXXX XXXX XXXX XXXX XXXX and asked that he cease and desist because there was fraud being committee upon the court in this file and to cease and desist all actions against me because I do not owe this debt. The original default on this debt was in 2007 which in the state of florida puts this out of the statute of limitations. I do not owe this debt to this company even if that was possible without fraud being committed it is out of the statute of limitations. I plan on contacting every federal state regulatory agencies including the bar to complain about this attorney moving forward with fraudulent documents for his client. I am willing to take this to the supreme court if I have to because I do not owe this money to this entity. I have no idea who they are and I will not pay an entity that will try to strong arm me to pay by abusing me and the judicial system. This is a notice of error and to cease and desist foreclosure efforts because I do not owe this debt. They are in violation of Tila Respa FDCPA and Dodd Frank. I will make sure that all agencies are apprised of their fraudulent actions.
Consumer complaint received 2016-10-17
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: WELLS FARGO & COMPANY (NY)

I applied for a credit card at a Wells Fargo branch. After several minutes I was turned down. Quite surprised and embarrassed because I know my FICO score is XXXX. I waited for the letter of explanation and it said " we are unable to offer you a credit card for the following reasons-Repossession on credit report ( property taken back due to non-payment ) ''. I know this had to be a mistake and became immediately concerned. I called Wells Fargo and they told me to pull my free credit report from XXXX. I did & the report is perfect. Spoke to an XXXX rep who confirmed this and said there is nothing on the report that would cause credit to be denied. I called Wells back and they said XXXX XXXX XXXX reported it. I then called XXXX and they said I 've been a perfect customer for 15 years and they reported nothing negative. So now it 's XXXX negatives from XXXX & XXXX negatives from XXXX XXXX. I call Wells back with this information and now they say " you returned a leased car early '' which I did under a special program offered by XXXX. Wells Fargo for some inexplicable reason considers that as a " repossession for non payment '' and automatically denies the application. At least I now know my credit is still perfect and it 's Wells Fargo 's application review process that 's defective. Certainly an aggravating experience over the last week.
Consumer complaint received 2017-03-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a few days late on a vehicle payment. It is scheduled to be paid electronically 10 days late. Bank Of America keeps calling my work and asking for me while I am helping XXXX at a XXXX I work and also hanging up on my co-workers. This is my place of work. They are harassing me when payment is already planned.
Consumer complaint received 2016-07-27
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (MA)

Repetitively charged a minor fee of {$2.00} on a balance of {$2.00} -- - that was a result of the last fee assigned. I owe nothing and I 've been repeatedly assessed fees even after I paid the balance to {$0.00} and closed the account XXXX months ago. Today I have a new balance on the closed account of {$4.00}, you guessed it -- -minimum interest charged on the {$2.00} late fee. If this is n't a scam I do n't know what is .... I closed the account and owe {$4.00}? How does this happen?
Consumer complaint received 2017-02-05
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Complaint submitted to the Consumer Financial Protection Board ( CFPB ) About Capital One By XXXX XXXX, a Capital One customer XXXX XXXX, 2017 With Capital One, I have a checking account, a savings account and XXXX credit cards. 

I transferred {$500.00} from an account I have at XXXX to my savings account at Capital One. 
Capital One has received my {$500.00}. It is in my " Accounts Summary '' as part of the " Current Balance. '' Screenshot submitted with this complaint. 

I tried to transfer {$300.00} from savings to checking - both accounts at Capital One - and was told there were insufficient funds. 2nd screenshot submitted with this complaint. 

I had a chat with XXXX at Capital One. She was very knowledgable and professional in explaining Capital One 's rule about this. PDF of chat submitted with this complaint. 

As I understand Capital One 's rule, when they receive funds from an external source, like XXXX, they do not release those funds to their Capital One customer right away. 

Instead, they wait several days to make sure that the external source, XXXX in this situation, will not demand return of the funds. 

Capital One refers to this acceptance of the funds and waiting - verification of the funds. 

Only after verification of the funds are the funds released to the customer. At that time, they show up in the " Available Balance. '' See a screenshot submitted with this complaint. 

Capital One does not pay me interest on my funds ( {$500.00} in this situation ) until the funds are notated under " Available Balance. '' It is my understanding of the effect of this rule of Capital One is that Capital One has my money XXXX {$500.00} XXXX. It will have my money until either the external source XXXX XXXX XXXX demands its return or Capital One releases it to me. This " verification '' can take XXXX5 days once Capital One has received the funds. 

This complaint is submitted on XXXX/XXXX/2017. I understand my money will not be released to me until XXXX. 

I must assume that the people at Capital One are smart business people. Until proven otherwise, I can only assume that they are using my money to make money. 

And, they are not paying me interest for the use of my money to make money for Capital One. 

I want Capital One to pay me interest from the time my money is received by Capital One until it is either returned to the external source ( XXXX ) or made available to me. 

I want the Federal Government to make it a rule or a law that banks are required to do this. 

The right side of this complaint is not showing up in the box to submit the complaint, so I am attaching it as a PDF. 

Please note that the actions by Capital One covered by this complaint are similar to - but not the same as - the taking of customers ' funds by Capital One in CFPB Case Number XXXX.
Consumer complaint received 2018-06-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: ACS Education Services (CA)

Income-driven repayment calculations are based on the borrower 's XXXX and not on gross income.This complaint concerns new student loan payment amounts for federal loans based on a misstated XXXX. 

In XX/XX/XXXX, I recertified for XXXX student loan payments with XXXX. I am both self-employed and employed by a temporary agency. My tax consultant filed an extension for my XXXX income tax return. Due to this extension and the lack of an income tax return, I had to provide my XXXX and XXXX forms to XXXX directly. I did on XX/XX/XXXX. 

Thereafter, I called XXXX on XX/XX/XXXX to inquire about my XXXX recertification. They calculated my XXXX at least {$10000.00} higher than my tax consultants estimated XXXX and set the student loan payments accordingly. 

Because my income in XXXX is drastically lower than last year, I submitted XXXX applications for recalculation. I submitted self-certifications for self-employment and pay stubs from my employer as supporting documentation. After submitting each new XXXX application, I called XXXX to inquire about the status of my application. I submitted new XXXX applications for recalculation on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. I spoke with Conduent representatives on XX/XX/XXXX, XXXX, XX/XX/XXXX and on XX/XX/XXXX. 

XXXX lowered my XXXX by about {$13000.00} but their XXXX is still significantly higher than my projected gross income for XXXX. I am struggling to pay my student loan debt. I am age XXXX ; my financial struggles have been exacerbated by medical expenses. 

Conduent does not reveal their XXXX calculations, discusses their XXXX number only when asked, and has stated that I provided " too much information '' or denied my application based on some other issue such as failure to use the word " gross '' income in conjunction with my self-employment. I also newly understand that XXXX is exiting the student loan business and that my loans are scheduled for imminent transfer to a new servicer. I have received little concrete guidance from XXXX concerning what documentation is sufficient but not " too much. '' There is no transparency in their conduct and their XXXX calculations are grossly misstated.
Consumer complaint received 2015-04-17
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: HOVG, LLC (FL)

Representative from credit agency utilizing phone number # XXXX was very rude and harassed me on XXXX XXXX at around XXXX while I was at work. 
Incident : I answered the phone call while at work, initially the person did not identify themselves, when I asked who this was he advised " he was attempting to collect a debt ''. I listened to him and advised I would be making payment however could not do so at this time. Advised by the end of the month the debt would be paid. He proceeded to state he needed a " debit card or check now '' advised I was at work and unable to provide that information, he then stated " you do n't have a debit card on you?? you need to walk to your car and get to secure this payment ''. After again advising I was at work and unable to do so he said when can I call you back today. I advised at around XXXX, he then stated " so you have to promise to answer your phone at that time '' If you do not legal action may occur. I then stated if I see the phone ring I will answer the call, he stated " no, you need to promise to answer the phone ''. I remarked I 'm unable to make that promise. At which point rep proceeded to get nastier stating why ca n't I pay this debt. I hung up when he would not stop with the harassment. Since then the number has called twice and I have not answered, no message was left. 

I do not feel this type of behavior is needed nor should I have to endure it no matter the debt owed.
Consumer complaint received 2016-12-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

XX/XX/XXXX in the height of the financial crisis I rang my mortgage bank, ING mortgage, and asked about refinancing. I was told by phone that if I could lower the principle below {$500000.00} ( from {$650000.00} ) I would be able to significantly lower my interest rate. I was on a XXXX ARM at 5.25 % and I was told the rate would go to 3.875 % for another 5 year lock provided I pay a fee equivalent to one month 's mortgage payment at the 5.25 % / higher rate. 
I was told the remaining term & terms of the loan would stay the same. 
Critically the rate renewal process was done online, by simply checking a box and then speaking to an agent. Forms were then sent out just before new year as the final part of the process to confirm what had been discussed. 
Please see pages XXXX & XXXX of the XX/XX/XXXX mortgage documents I am sending you. 
The page titled " Agreement to modify note '' was, I was told, to lower my rate for 5 more years. It was not pointed out or even discussed that the index that is used for future rate changes after the ARM expires was also changed. 
The original mortgage stated the index used was " the weekly average yield on US treasury securities adjusted to a constant maturity of 1 year, as made available by the Federal Reserve Board. '' ( see XXXX of the pdf ). 
The agreement to modify cites a different current rate of " the One Year treasury bond ( XXXX ) '' changed to " the one year LIBOR ''. 
One year Libor is a much higher rate than the weekly average yield on US treasury securities adjusted to a constant maturity of 1 year. I am led to believe by over XXXX higher. This will significantly raise my mortgage payments as my 5 year ARM expires this month. 
I refinanced the XX/XX/XXXX ARM again in XX/XX/XXXX. Again online with a one month mortgage payment fee and with a similarly short modification note. This note only refers to " the index '' without stating which index. 
Conclusion : 1. I was misled in XX/XX/XXXX. It was never verbally discussed that the reference rate was changing. I paid significant fees with a large capital pay down to be stuck with a higher index rate. All the initial refinance processing is done online and by phone. The modification documents are only sent out once agreement is reached. 
2. the index rate in the XX/XX/XXXX " Agreement to modify '' is different from that stated in the original XX/XX/XXXX mortgage documents. 
XX/XX/XXXX documents state " the One Year treasury bond '' versus the original documents state, " the weekly average yield on US treasury securities adjusted to a constant maturity of 1 year, as made available by the Federal Reserve Board. '' 3. the XX/XX/XXXX agreement to modify does not highlight what was a major change to the index rate used for my loan. This issue is also coupled with the error in point 2. above. 
I will be paying a much higher floating rate starting XX/XX/XXXX, due to this misleading change to the index rate used for my mortgage.
Consumer complaint received 2015-05-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (ME)

My mortgage servicer has changed a number of times. In the most recent changes, prior to the latest change, the automatic payment continued without my intervention. However, last XXXX ( 2014 ) when the loan was transferred from XXXX to Nationstar, the payments did not continue. I received a notice from XXXX stating that " payments received after XXXX XXXX, 2014 will be forwarded to Nationstar. '' I therefore thought that my automatic payments would continue. However, on the next line it said that " ACH arrangements will be discontinued effective XXXX XXXX, 2014. '' More than XXXX months later I got a call from Nationstar asking why I was n't paying my mortgage. I was shocked and immediately paid the outstanding balance and setup automatic payments once again. A short time later I tried to refinance this loan, but was denied. My credit rating was low because of the incident described above. Prior to this my credit rating was fine. I have always paid my mortgage and other bills on time. I spoke to a representative at my local credit union and she said that " ACH arrangements '' is a term that she and others in the industry would understand, but that a homeowner would not. I did not know what it meant.
Consumer complaint received 2017-01-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (GA)

I responded to a Citibank promotion that offered {$400.00} for opening a new checking account. I completed the requirements and should have received the bonus by XX/XX/2016. I have contacted Citibank numerous times but am told each time that this is being investigated. A google search finds numerous others with the same complaint against Citibank.
Consumer complaint received 2016-01-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (UT)

I had a mortgage with Ocwen and in 2013 they approved a short sale and it was complete XX/XX/2013. They are still reporting the whole balance and it should have been XXXX once the short sale was complete. It has affected all my financing since 2013 due to this fact.
Consumer complaint received 2015-12-05
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

This company is reporting this debt to transunion with an opened date of XXXX. this account supposedly went delinquent in XX/XX/XXXX. Northeast credit collections was also reporting this debt to XXXX with a date of XXXX. they are reporting an old debt that should have been taken care of by insurance, and also reporting this as being opened XXXX which is totally incorrect. they are reporting this debt as it 's three years old when in fact it 's been 7 years as the debt was obtained in XX/XX/XXXX. they are reporting false information to the credit bureau in order to damage my credit and make it seem like a new debt.
Consumer complaint received 2020-05-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MI)

CashApp is not allowing me to access any of my funds. They have said that it's because my deposit from unemployment doesn't match the name on my account. The only difference between my deposit and my account is that my deposit has my middle initial. Otherwise, my name is the same. It's been over 48 hours now since I've been able to access my funds. I've submitted documents showing my ID and still can't get to my money. I have no groceries in my house and I'm unable to buy any because they have continued to freeze my account.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

This is my second complaint and I 'm looking for monetary relief. This has caused me to be denied for credit, employment, and damage to my character. For the past 2 years, I have been disputing account # XXXX, XXXX, XXXX as an authorized user with creditor XXXX XXXX XXXX XXXX, account # XXXX with creditor XXXX XXXX XXXX, and account # XXXX with XXXX and the credit reporting agency Equifax Information Services , LLC, and Equifax has refused to delete these accounts. I 've submitted adequate documentations and still no resolution. I am not liable nor responsible for someone else 's debt per FCRA. Also, I 've been a victim of Identity Theft and have also provided police report to ALL CRAs including Equifax who have confirmed that they have received such document. But again, Equifax has continuously violated my rights and the law. I 'm attaching all documents including letters from XXXX who has stated that Equifax and all other credit reporting agencies has been notified to delete accounts but it still remains in my Equifax credit profile which they maintain under my social security number.
Consumer complaint received 2016-11-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (IL)

My brother and his wife had a mortgage with Ditech Financial LLC. On XXXX XXXX, 2016 they both were XXXX at their home. There are no children, no will, and no money. Despite having provided Ditech with copies of their death certificates, Ditech continues to send form letters addressed to them. I have sent several letters to them asking them to stop. The last letter from Ditech was addressed to my deceased brother telling him they are sorry for his loss and explaining what his spouse needs to do to get information on the account. There are times when form letters are useful and other times when they are inappropriate and hurtful. When I called Ditech a customer representative told me they are " required by law '' to send these communications. While that may be the case, they need to acknowledge the obvious truth in this situation : their customers are both DEAD and there is neither a will nor any surviving children.
Consumer complaint received 2016-08-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Equitable Acceptance Corp (NY)

I was referred to XXXX by a friend. I was told they were an Obama Loan Forgiveness company. I called them, and they said they worked with the Dept. of Education. I was told I was running out of time to consolidate the loans under this program, had to pay {$49.00} a month for 3 years. Signed contract on XXXX XXXX, 2016, was told they will consolidate and wipe out loans completely for a total of {$1400.00}. Found out after that it said I had three days to cancel in fine print. Called the Dept. of Education and they said they had no knowledge of this company and that they should not be taking fees for this service. 
Called back saying I wanted to cancel because they were not with the Dept. of Education and I wanted to go back to school to get a XXXX, and knew I could get loan forgiveness. Asked if I could pay a penalty but was told I was stuck with them for at least ten years, or to pay the {$1400.00} immediately. Changed bank account but they keep calling me, since XX/XX/XXXX, to collect payments they think I owe. Sometimes they say they are XXXX and sometimes they are Equitable Acceptance Corporation, collecting for XXXX. When they call, they often tell me that they will mess up my credit if I do not pay. The supervisor XXXX was menacing and rude, and I was hung up on and transferred to different people. I also receive monthly emails from XXXX. 
I contacted XXXX XXXX XXXX, and they wrote a letter to XXXX on my behalf, asking them to stop contacting me. They have continued since the letter was received.