davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-08
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I had a CapitalOne 360 checking account which I used for withdrawing cash for foreign travels. This checking account was used purely for that propose ; I would deposit funds occasionally on a needed basis. Several months ago, I phoned in the rep told me that if I open a savings account and deposit {$50000.00} and I would get {$500.00} bonus. I remembered that I was told that the funds need to come from an external source and I am certain that I was told specifically that the funds needs to be deposited to the new account directly ( otherwise I would definitely do that since the sole reason for me to open the savings account was the bonus ). I had direct deposit linked with my primary bank and so I transferred the fund to CaptialOne 360 checking account and then to the savings account. This to me followed the requirements called for the bonus. But now, Capital insisted that because the fund did not deposit directly to the savings account, it does not qualify. I have tried to reason with a supervisor as well as through their customer satisfaction department ; both declined to honor their original offer, citing that it does not meet the requirement. I felt this is an un-ethical practice they designed to scam the consumer. They provided no written statement ( paper or email ) about the requirement and simply mentioned it vaguely over the phone. Then their plan to decline any of such promise since most consumer will likely not qualify. I would like to see the payout vs declined ratio and see if they actually tried to game this. To me, the bonus is one thing but I felt this bank has no integrity. I would appreciate if appreciate action be taken and stop CapitalOne from any further fraudulent activity.
Consumer complaint received 2015-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (PA)

I represent XXXX XXXX, who is trying to stop the foreclosure of her home. Originally, the property was purchased by XXXX XXXX, XXXX 's partner of 20 years and common law husband. The XXXX separated and XXXX remained in the property. A foreclosure was initiated in XXXX. XXXX agreed to transfer the property to XXXX in XXXX, and the foreclosure was voluntarily discontinued and then filed again with XXXX and XXXX as defendants. XXXX has been working with me to try to get a loan modification since XXXX. However, Ocwen, the current servicer, will not provide any information on the account, nor will it provide any instructions on whether and how XXXX can assume the mortgage.I contacted Ocwen several times ( with permission from counsel for the mortgage holder XXXX XXXX XXXX XXXX but Ocwen would not provide information about the account without XXXX 's authorization. After making several attempts to get information, Ocwen eventually transferred me to the assumptions department, which instructed me to fax a request for an assumption. I faxed the request on XXXX XXXX, XXXX along with a copy of the deed to the property from XXXX XXXX to XXXX XXXX, as evidence of her ownership interest in the property. I have not received a response from the Ocwen about whether the loan is assumable or how XXXX could assume the loan. I have also not received a response to whether the streamlined modification offer sent to XXXX could be accepted by XXXX. When I made that request, Ocwen responded by contacting XXXX and informing their attorney that they could not reach the borrower, rather than attempting to reach my client. There is some urgency to this matter as the foreclosure case is scheduled for trial sometime in XXXX and Ocwen has not reviewed XXXX 's application for a loan modification or an assumption.
Consumer complaint received 2016-12-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc. (OH)

I have a a unverified account from DIVERSIFIED CONSULTANTS # XXXX. I had previously disputed this account. I have never done business with DIVERSIFIED CONSULTANTS. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) XXXX U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that DIVERSIFIED CONSULTANTS Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that DIVERSIFIED CONSULTANTS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2016-07-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: First Data Corporation (NC)

I used to have a a Merchant credit card services through them, but the contract has been expired and I call them and I get a return address from them and I mailed the product back to them. Last month I check my account and they still taking money from my account and I told them to stop and i call XXXX XXXX bank and I ask them to step in. I never receive any feedback from them. 
this is the Merchant ID : XXXX and this is the lease number : XXXX and this is the USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX I got the return address from them and I took it and stick it in the return box. I call them and explain to them and they try to tell me the merchant went to a wrong place. i ' m getting sick and tired of this game I need help because they are not happy with me because ii report the wrong doing they have been done to people in this country. I is a rigged system and I ask for help and I deserve to be protected. it is wrong and wrong
Consumer complaint received 2016-10-14
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: NCB Management Services Inc. (FL)

NCB Management Services , Inc. is not only calling my cell phone every day, but they are also calling my work 2 to 3 times a day, and I just found out they have been calling my Mother 's cell phone as well. They have violated the law, and I want them to stop calling. Thank you!
Consumer complaint received 2017-02-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (OH)

I have been waiting on a mortgage release now XX/XX/2015. In Ohio, a lender must record the satisfaction of a residential mortgage within 90 days from the date the mortgage was paid off. If the mortgage lender fails to comply with this requirement, the borrower may recover, in a civil action, damages of {$250.00}. This provision does n't prevent the borrower from seeking any other remedies that might be available to him or her. See ORC section 5301.36.
Consumer complaint received 2015-10-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Finance Company, Inc. (FL)

Small town in XXXX. Rented a house for XXXX year. Water bills paid on time. Moved out due to retiring from XXXX XXXX XXXX. Disconnected water account prior to moving from XXXX to XXXX. New tennant moved in to XXXX house and apparantly garnered free water services ( still in my name ). Landlord and city were contacted about the new tennant needing to pay this debt. The account was eventually changed in to the new tennant 's neme but the amount pending remained in my name and the tennant never paid it or owned up to it. It is a small amount of money, easlily paid. My issue is based on principal.
Consumer complaint received 2016-10-31
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Byrider Franchising, LLC (GA)

A few months ago I recently reviewed my credit file. I noticed that there was items on my credit file that did not belong to me. I have sent dispute letters to both the credit agencies and CNAC. I did not receive any response back from CNAC. The credit agencies get stating that they verified the information. Since then, on XXXX XXXX, 2016, I sent Fraud Affidavits to CNAC and to all XXXX of the credit agencies. Even after all of my efforts to get this item removed, CNAC still have not removed this item. This is not my account. I did not open this account or authorize anyone to open this account in my name. Please assist me in getting this matter resolved. They have received the Fraud Affidavit because I mailed it Certified Return Receipt.
Consumer complaint received 2016-05-06
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has yet to provide me with requested documentation ; i.e., emails and contacts to all the executive officers. The only higher authority I have been in contact with is XXXX XXXX who is not only unable to provide me with the contacts, but is also unable to give me her Email contact to to send documentation. 

The only thing XXXX has done is refer to back to lower official who is requesting the same documenation I have sent several times and for several months.
Consumer complaint received 2015-03-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

In XXXX XXXX Bank of America decided to " Charge off '' my home mortgage. 
My property taxes were in escrow with my mortgage. 
BOA NEVER informed me that they had " charged off '' my mortgage, I received a property tax bill from the XXXX XXXX XXXX XXXX NJ in late XXXX for XXXX. I did n't understand why I was getting a tax bill being that my taxes were in escrow. I contacted my go to person at BOA and was not able to connect with her. I continued the search for someone to explain to me why my taxes were not paid. Finally I got someone who told me about the " charge off '' and that no more help will be coming from BOA. I did file a complaint with CFPB about the mortgage issue. Now I am filing a complaint because I do not have XXXX and the XXXX XXXX XXXX does not take payments you have to pay the full amount and I have been notified that my house will be sold in a tax sale in XXXX. Being that BOA caused this debt by never notifying me that they were no longer paying my taxes they should be held liable for this debt. XXXX again BOA put their customers in untenable positions financially. I am really going to loose my house for XXXX BOA? 
You are a disgrace!
Consumer complaint received 2017-02-09
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America charged me a {$12.00} maintenance for when my balance dipped below the minimum requirement of {$1500.00} for just one night. The next day I had {$1000.00} put into the account to bring up the balance. In addition, my balance has always stayed above the {$1500.00} minimum for all the other days of the month. I find it very exploitative that I would be charged the full maintenance fee for having my balance fall below the minimum for just one day as for compared to somebody who was below the minimum for the entire duration of the cycle. One day versus the whole month should not equate to the same amount. I called customer service, spoke to a supervisor and they continued to insist that the {$12.00} fee is fair to be charged to my account.
Consumer complaint received 2015-04-24
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Advance America, Cash Advance Centers, Inc. (VA)

We received a phone call from XXXX from someone named XXXX XXXX working for XXXX Investigations. She said she was verifying I was at this phone number because there is a lawyer about to file in court about XXXX payday loans from 8+ years ago. She had my old address and drivers license number and the details of the debt. She said to contact a lawyer named XXXX XXXX in XXXX XXXX, VA at XXXX to discuss. She said there would be a warrant within 24-48 hours. The lawyer 's number had been disconnected. When I called the XXXX number, the voicemail said the phone belonged to XXXX XXXX. I googled this name and found many scams associated with it. I believe this is a scam, and it is worrisome that these people have my information. I 'm not sure if this is the right place to report this. I 'm not sure if the PayDay loan company shared his info with these people.
Consumer complaint received 2017-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (FL)

This debt was originally with a company called XXXX, they contacted me in XX/XX/2016 to collect the debt for XXXX. On this phone call I explained my situation to them which was I had dropped a phone that had about 8 months left on its contract and payment plan into a cup of water. Being that majority of my plan paid out I was willing to pay the remaining balance on the phone that I had damaged but I wanted my service cancelled because it was no longer working. The man I spoke to at XXXX agreed to make sure the service was verified cancelled before I made my the payment to them, so after about 10 minutes on hold and him speaking to his superior he said that they went ahead and contacted XXXX and had marked my account to be cancelled upon payment. It was at this time we settled on a payment of XXXX dollars which I made in 3 payments over 5 weeks. I have the bank statements to prove these payments were made. Shortly after I made these payments I checked my credit report to make sure it had been removed and it had not. It was at this time over 6 months ago now that I filed a dispute explaining all of this, after 2-3 weeks I got an email updating me that the derogatory mark would be removed and I had won the dispute and the creditor agreed to remove this from my credit report. About a month or 2 had passed and I got a phone call, now it was from this current debt collector I explained everything to the woman on the phone and she basically told me to go dispute it again if I want or pay them but that I 'm better off paying them. That is not okay, I settled on this debt, I paid the settled on amount, and now this is ridiculous. This debt is sold and bought for pennies on the dollar to try and collect from the next one. I 'm not paying this debt when I already paid it.
Consumer complaint received 2016-08-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (VA)

Dear CFPB : A collection agency, XXXX XXXX XXXX or XXXX sent a standard form letter advising I owed XXXX {$30.00}. I disputed the debt and requested they provide validity of the debt. They subsequently sent the same standard letter provided the first time. 

As a result, I provided evidence that the debt was paid in full over a year ago and again asked for concrete proof that an additional {$30.00} was owed. Instead of providing the additional evidence, they forwarded the debt to another collection agency ; the account number, amount of debt are all the dame, excpept a new debt collector, Diversified Consultants XXXX Inc., is now assigned. 

It appears the debt collection is a scam or sham. The debt collectors are in violation of the Fair Debt Collection Practices Act. Instead of providing validity of the so-called debt that is in dispute, they simply transfer collection responsibility. The end result I am being hassled with having to enforce my rights against a bogus claim which is wasting my time and energy. 

In addition, they are not in compliance with the 30 day notification requirement. They date their correspondence one day and the postmarked is a much later date and by the time I get the mail I have XXXX14 days to respond. I ask that you investigate these companies as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX Amount Due : {$30.00} Creditor Account # : XXXX CCS File Number : XXXX XXXX XXXX or XXXX Diversified Consultants , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX Amount Due : {$30.00} Creditor Account # : XXXX File Number : XXXX thank you very much for your assistance and cooperation in this matter. If you have questions please let me know.
Consumer complaint received 2017-03-18
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

My loan wa originally 30,000 maybe less it 's now up to {$74000.00} years ago they could have recommended income payment plan. I would have paid what I could have back than. Now I 've been in forbearance for years and interest has been accruing for 20 years. This will never get paid off. I 'm a single mother of XXXX and work 2 days a week as a XXXX. Years ago before children I could have paid more money according to what I made. Now?!?! I ca n't pay at all
Consumer complaint received 2015-05-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I paid off my mortgage on XX/XX/XXXX to XXXX XXXX. The company has not released the lien on my mortgage. According to the Internet ( XXXX XXXX ), XXXX XXXX became Bank of America Mortgage in XX/XX/XXXX. I contacted Bank of America Mortgage, but they were not helpful. 
The lien on my property still needs to be released showing satisfaction of the loan.
Consumer complaint received 2015-11-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (AZ)

I have been on XXXX since XX/XX/XXXX. All of my private loans from Navient have gone through a XXXX discharge during that phase. XX/XX/XXXX, Navient had reduced only XXXX of XXXX loans with the exception of loans ( 1 ) XX/XX/XXXX College XXXX and ( 2 ) XXXX College XXXX. Loan ( 3 ) XXXX College XXXX was reduced as I am able to make that payment while I am on Social Security XXXX Income. I explained to XXXX 's Customer Advocates Office that I still can not make a reasonable payment towards the loans. I was denied by XXXX 's Customer Advocates Office since I have a co-signer on loans ( 1 ) XX/XX/XXXX College XXXX and ( 2 ) XXXX College XXXX they will not reduce my loans. Also, Navient has harassed the co-signer and has tried to have all co-signed loans in their name instead of working with me so I can afford to pay on the loans. Since being unable to make a manageable payment my total payment due is {$810.00}. My monthly payment normally is {$280.00} with a past due amount of {$520.00}. My total monthly income is {$1700.00}.
Consumer complaint received 2016-04-21
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America allowed for everything to overdraft on my account expect for one item. Which got charged another NSF. When I asked them why they did n't approve this transaction that was processed first and was the smallest amount. Their answer was pretty much " we did n't want to "
Consumer complaint received 2016-03-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I 'M A VET, I HAVE BEEN DISCRIMINATED BY BANK OF AMERICA AT XXXX SEPARATE BRANCH LOCATIONS. THE XXXX BRANCH IN XXXX XXXX WOULD NOT LET ME OPEN A BANK ACCOUNT AND DENIED THAT MY CHECK WAS MINE, EVEN THOUGH IT HAD MY NAME ON IT AND I HAD PROPER ID, IT WAS FROM MY LAWYER OFFICE THAT BANKS WITH THAT BANK. I WENT OUT OF TOWN AND CAME BACK TO A CLOSED CHECKING ACCOUNT {$9.00} OVER FEE, WHICH I PAID AND WENT TO THE XXXX AT XXXX XXXX XXXX XXXX BRANCH TO REOPEN MY NEW CHECKING ACCOUNT. I SHOWED THE PROPER ID I USED TO OPEN MY ACCOUNT AT THE XXXX BRANCH, AND THEY DENIED ME THE OPPORTUNITY TO OPEN AN ACCOUNT AGAIN EVEN THOUGH I HAD AN EXISTING SAVINGS ACCOUNT OPEN AT THE TIME. I EVEN HAD THE PACKET THEY GAVE ME AND THEY STILL WOULD NOT ALLOW ME TO OPEN A CHECKING ACCOUNT WITH MY IDS. I BECAME SO FRUSTRATED, I CLOSED THE SAVINGS ACCOUNT. THE XXXX AT XXXX XXXX XXXX BRANCH DENIED CASHING MY CHECK FROM MY LAWYERS OFFICE FROM THE SAME BANK WITH PROPER IDS, STATING XXXX NO PROPER ID THERE SAYING I HAVE NO ACCOUNT EVEN THOUGH THE CHECK IS FROM THERE BANK. I WEN T BACK TO THE XXXX XXXX XXXX BRANCH TO CASH MY CHECK AGAIN IN MY NEW OPEN ACCOUNT FROM ANOTHER BRANCH, I WAS TOLD BY THE MAGR THAT NOW MY CHECK WAS A ISSUED ... I BELIEVE I WAS RACIALLY DISCRIMINATED AGAINST BECAUSE OF HOW I WAS TREATED, FOR DEALING ME ACCOUNT EVEN WITH PROPER IDS, AND DENYING CASHING A CHECK ISSUED BY THEIR BANK. MILITARY IDS CAN BE USED AS PRIMARY ID
Consumer complaint received 2015-07-13
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stenger & Stenger, P.C (GA)

Stenger & Stenger, PC sent letter demanding payment on account oudated since 2008 ; GA state statue of limitation has expired ( 5yr ) per OCGA 9-3-25 and not collectible/ not my account, violated FDCPA and FCBA ; and XXXX other companie asking the same " XXXX AND XXXX XXXX XXXX '' ... .NEVER DONE BUSINESS WITH COMPANIES AND ID FRAUD AFFIDAVIT HAS BEEN FILED WITH FTC
Consumer complaint received 2015-10-14
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (MN)

I applied for a Best Buy Credit Card ( XXXX ) a couple months ago and have gotten approved for it, after a while, I found out that it was closed. When I called they transferred me to the fraud security dept. They stated that they received information that this account was Identity theft, when I told them that I was not aware of this nor did I call about this, they further stated that they received the information from " XXXX '' via a dispute. I called XXXX and ask for an explanation and they stated they have no record of contacting CITI Best Buy Card regarding this. I then contacted back the CITI fraud dept. to let them know of XXXX 's Statement. They advised me that there is nothing they can do to reopen the account and that I need to apply for a new account if I want a Best Buy Card. 

I applied for Best Buy Card in the store and got approved for it ( XXXX ), when I got the card in the mail and tried to activate it, the call automaically connected to CITI Early Warning and they stated that the card is closed. 

This matter happened to me twice, there need to be accountability for this incident as no customer should go through this.
Consumer complaint received 2016-02-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (IN)

I just RECIEVED a letter from my mortgage company " CitiMortgage " I RECIEVED the letter on the XXXX of XXXX that on the XXXX of XXXX our mortgage will be sold to XXXX Mortgage a division of XXXX Bank. The letter also states that " if they have n't RECIEVED evidence of current insurance they would be canceling ours effective transfer date '' my concern is XXXX fold. 

1. This type of notification did not provide us the " 15 working days " that is required by law in order for the account holder to sell the " account " 2. Upon receiving the letter it leaves us only 5 working days to contact them, ensure they have the insurance and also ensure that the proper notes are also carried over.