davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-19
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Comerica (OR)

I am on social security. I get my funds via a direct express card that SS insisted I use. I get no bank statements as they cost money I do not have. I called direct express the automated line to see why I had no money left. I ended up talking to a very helpful clerk who very patiently found 3 problems on my account. 1 XXXX company 's were continuing charging me when I had cancelled the services 3 days after signing up on line. So at first the clerk thought we were just dealing with a one month issue.however she took it upon herself to check back and it turns out they have been charging for services I have not received .I had cancelled The clerk opened two tracking numbers then had to cancel them and finially told me to just write it up and send to them. And I need to get the cancellation date and the confirmation number as well. Ok I have done that I have been cking monthly with direct express. What I was told today after I had given them my SS birthdate address phone number to the XXXX person I talked .this had to be done everytime. So why am I not recueving any notification in these as to what 's happening? 2 I was told it was past time they were all closed and I could only go forward with the XXXX charge as I waited to long to do anything. All three company 's started this charging in XXXX. The rep and I on the very first one filed for all XXXX comoanys. And it took me too long times up but wo n't tell me the required time frame which does not matter as they were all done at same time. Now I have already called merchant got can date and conf number and sent to direct express but it 's not I. There notes sorry. Therefore I did n't do it so I ca n't appeal them. This over XXXX dollarrs I 'm being overcharged for service I did n't receive. Now direct wants one paper for each charge this is lydicrous. Rent to own.XXXX and XXXX. Details XXXX said free credit report but was XXXX for one mo then XXXX and XXXX monthly if I happened to spend myoney b4 they got they would n't get for that Mon I opened on XXXX XXXX-cancelled XXXX/XXXX/XXXX with XXXX XXXX number XXXX XXXX XXXX XXXX XXXX. Charged XXXX XXXX,XX/XX/XXXX XXXX,XXXX XXXX,XXXX XXXX XXXX. Rent to own said would have house rto but they only had foreclosures.opened XXXX XXXX cancelled XXXX/XXXX/XXXX conf XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX opened XXXX XXXX, cancelled XXXX XXXX XXXX. XXXX XXXX XXXX. Banks track number last XXXX,. I now pay for my Mon statement. How many ither XXXX seniors r getting ripped off as well. I just want ant my money back that 's all.is that too much to ask.
Consumer complaint received 2015-04-21
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

1 ) Subsequent to the loss of my debit business card which of course was timely reported to my bank under regulations E, I have not as to date received immediate returns of my funds as requested under banking regulations. 
2 ) There have been numerous UNAUTHORIZED CHARGES which were not made and unauthorized by me and or my business entity.
Consumer complaint received 2016-05-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (AL)

Checked my credit report to find Diversified Consultants trying to collect on some old wireless phone bill. Consumer was never notified about this account ; just placed on my credit report willy nilly. I do not owe this company anything, and how is it that a debt collector can just place inaccurate information on credit reports.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an Non Governmental organization helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (OH)

We purchased an XXXX  treadmill over a year ago. The product came with a subscription program to watch video with trainers while running. The product came with a year free of the subscription. At the end of the year, we requested that the subscription NOT be renewed as we did not use it and have NOT used it in almost a year. The company XXXX ( which, according to my research, are actually one corporate entity ) decided to charge us {$420.00} on XX/XX/2022 for another annual subscription and charged it automatically to our store charge account we have with them. We requested on numerous occasions over the past few months in email and over the phone that the service be cancelled and refunded. They have flat out refused to do so saying that it is another division of their company that handles that issue and when they transfer us to the other division, they then state that they aren't the ones that handle that issue, either. It is a looping circular system with no division taking responsibility, nor do they attempt to solve the problem, cancel the subscription and certainly not remove the charge from our account. It needs to be removed and refunded. It is fraud to charge someone for a product they have flat out refused.
Consumer complaint received 2016-09-21
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: ASPIRE FINANCIAL INC. (TX)

Around the first of XXXX, I contacted XXXX to apply for a cash-out refinance. I explained that I had medical bills from a XXXX XXXX earlier in the year, and I was approaching a critical point with my bills and I needed the cash-out refi to hopefully lower my interest rate, but most importantly to pay off some outstanding debt. The refi process went along relatively smoothly, albeit very slow. Every communication with XXXX XXXX XXXX, XXXX XXXX XXXX was via email, so anytime they needed something, I found out about it after I got home from work, too late for " same day response '' - if they had called, it would likely have cut the process time by a third. At any rate, they process completed and I closed on the loan Friday, XXXX XXXX, 2016. At the closing they stated that the loan would fund on XXXX XXXX. On the afternoon of the XXXX of XXXX ( XXXX ), I received a phone call from Texas Lending stating that we had a problem - XXXX business days after this process started. XXXX XXXX XXXX with Texas Lending stated that they had run another credit check on me, and my rating had dropped below their allowable limit and they would not be funding the loan - this was on the day it was supposed to fund. 

In the beginning I explained that I was approaching dire straits and they were aware that this is what I was getting the loan for. Their slogan, or motto, or misleading tag line - is that they target closing the loan in 21 days. Due to their operational method, they took double that time to close my refi. 

Even after all papers were signed and the loan was closed - signed and sealed, on Friday XXXX/XXXX/16 - they waited till the following Wednesday ( XXXX/XXXX/16 ), on the loan funding date, to check credit and decide not to fund the loan, because I had gotten a little behind on the very credit cards they were paying off with this refi. 

There has to be something illegal about the way XXXX\Aspire Financial conducts business.
Consumer complaint received 2016-09-06
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY (GA)

to rooms to go credit card i will like to inform you that I do not agree with all the fees your company is charging me. All started when I got my furniture from rooms to go the agent who help me get these stuff gave me a paperwork where i have to make my payment on the paperwork it was clear my payment must be made through SYN-CHRONIC BANK. Imade few payment through them until my bank notified me they are reseeding all my payment I made ( please see attached ). Since that day it is been a nightmare to make a payment on XX/XX/2016 I called on XX/XX/XXXX to make a payment through the electronic system. Guess what i could not make a payment because someone type my zip code wrong XXXX instead of XXXX that was my nightmare until XX/XX/2016 where i keep calling to make a change on my address so i can make my payment Like they told me my payment is XXXX I will keep making this payment until the furniture is paid off i m not going to pay the late fees you guys are charging me for your own fault
Consumer complaint received 2016-07-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES (MD)

Great Lakes is reporting to credit bureaus past due 120 days and it 's keeping me from getting a mortgage loan ( buying my home ) I have been paying on time since I have been employed ( I lost my job and could pay that 's what caused delinquency ) I requested in good will for the derogatory old remarks to be deleted. To date they report. Please help the loan is transferred/closed and I 'm paying through my fed loan servicing because I 'm now a federal employee
Consumer complaint received 2015-04-07
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

Dear CFPB, Once again USAA/MasterCard has brought unwanted problems into my life by providing, without my permission or authorization, updated credit card information to vendors for credit/debit cards which I and/or USAA have CANCELLED. 
The latest debacle is playing out now. I 'm on a XXXX to XXXX, Texas. I arrived yesterday and rented a car from XXXX at the airport in XXXX, TX. Today, I checked my USAA checking account and discovered XXXX ( XXXX ) unauthorized charges from XXXX for {$310.00}, a total of {$630.00} drained from my checking account. " How could this be? '' I 'm on official travel and made the reservation through XXXX who should have charged my government VISA card for the car rental. What happened? Well what happened is this. I 'm a XXXX and XXXX ( XXXX ), yes XXXX debit cards ago, I entered my personal USAA debit card into my XXXX profile. I never, ever provided my personal debit card to XXXX for this transaction because it was a business trip. However XXXX " pulled '' my new credit card information and charged my debit card, not once, but mistakenly XXXX ( You can get the details from XXXX XXXX ( XXXX ) XXXX, billing supervisor, XXXX XXXX XXXX, XXXX, OK ). Bad on XXXX XXXX for charging the wrong card and charging it XXXX and they are correcting the problem. 
But the bottom line is this ; none of these problems would occur if USAA would stop providing canceled credit/debit card information to vendors without my permission. 
Regards, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2015-06-15
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I recently had my small business ATM card duplicated unbeknownst to me and someone went out and made a bunch of fraudulent charges on the is card. When I discovered these charges I reported it to the bank ( Bank of America ) and the XXXX XXXX County Sheriffs office. Bank of America originally credited me for theses fraudulent charges and sent me some paperwork which filled out which included the contact information and case number provided to me by the XXXX XXXX County Sheriffs office regarding these fraudulent charges. Now Bank of America has reversed the credit given to me for the fraudulent charges.
Consumer complaint received 2017-03-01
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

I made XXXX wire transfer requests via USAA online banking, but the requests were rejected because I put in wrong account number. Nonetheless, USAA charged me {$40.00} for the failed wire transfer requests. USAA customer service said because I put the wrong account number, so it would not refund the money. But there was no such warning before I submit the wire transfer requests, and I reasonably believed that I would only be charged only if the wire transfers were successful.
Consumer complaint received 2016-07-30
Product: Credit card — 
Issue: Delinquent account — 
Company: Genpact Limited (MI)

This collection company for XXXX XXXX card that I 'm behind on my payments I believe it 's called genpact calls at least 10 times a day but where they made their violation is sometimes they call over and over seconds apart and just hang up to harass me and I believe this is after I let XXXX know that I 'm XXXX and that 's why I ca n't talk on the phone and I have no way of reaching them by email. I just do n't think it is funny at all when they keep calling and hanging up repeatedly XXXX at XXXX for example they let it ring once or twice and then hang up, two seconds later they do the same thing and so on and so on. Abusive harassing Behavior that I 'm thinking about suing. I 'm just XXXX and being abused and I would like to put a stop to it
Consumer complaint received 2023-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE (TX)

I have conntact barclays several times about the misincorrect information that barclays Delaware has under my name yet they have not been responding nor the president of barclays delaware has answer calls even after stating that he will get the situation settled.
Consumer complaint received 2017-02-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I sent Bank of America a letter of intent to recast my mortgage, a certified check to be applied against my principal and a seperate check to cover the recast fee. Both checks were received and deposited at the end of XXXX, over a month ago. I contacted BOA in early XXXX to request a status report. Was told they lost my letter of intent, faxed another letter of intent. Called a week later and was told that the back office team had not assigned the request for recast. Was told that a specific request to assign the recast would be made that day, XXXX XXXX. Was told that it would take two weeks to complete the recast. Called back a week later and was told that the recast was assigned on XXXX XXXX and that they had two weeks to complete the process. Confirmed with Customer Service that " back office team '' had everyrthing they needed. Called XXXX XXXX and was told that no information was available from " back office team '' and could not confirm the status of the recast. Was told an " urgent request '' was being sent to get the status of the case and to call back the next day. Called today, XXXX XXXX, was told no information was received from " the back office team ''. Customer service rep agreed to contact her Manager to have her intervene with " back office team ''. Customer service rep created a direct request folder and gave me the number to consolidate all efforts to get any response from the " back office team ''. Agreed to call back this afternoon.
Consumer complaint received 2015-09-25
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I applied for a Capital One secured card in 2014, which is advertised as a way to rebuild credit. I was approved with a deposit that I was told that I would get back after showing good usage of the card. I was even told that my card could be upgraded. However, though I 've never been late on a payment, when I attempted to get my deposit back, I was told I had to close the card. Capital One has even increased the credit limit on my card without an additional deposit and without me asking. 
Capital One can not advertise a card as helping to rebuild credit and promising people to get their deposits back when you have to close the card ( hurting your credit ) in order to get your deposit back.
Consumer complaint received 2016-01-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Network Inc (CA)

I recently obtained a copy of my credit report and noticed XXXX tradelines from Financial Credit Network ( Medical ) I never have had an account with Financial Credit network, never received anything in the mail from them regarding this " debt ''. 

I am requesting under the Fair Debt Collections Practices Act that they validate this debt and prove that it belongs to me. Simply matching up numbers in a computer does not constitute a validation per FTC standards. 

I am suspecting that their intentions are fraudulent and malicious in nature and wanted to make the CFPB aware of the situation.
Consumer complaint received 2016-08-18
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Property was foreclosed and sold in XXXX XXXX by Bank of America ( BOA ). It was filed in XXXX XXXX, OK on XXXX XXXX, XXXX. Forms XXXX were issued for the transaction. It was n't until XXXX, XXXX ( with a letter written by my attorney ) that the account was written-off and closed. I then applied to refinance my current FHA mortgage in which Bank of America was also the service provider. As part of closing, the new lender requested a pay-off schedule from BOA. In RETALIATION, BOA reopened the closed, foreclosure account XX/XX/XXXX. I am getting HARRASSING phone calls from BOA saying that I am still in foreclosure, almost 4 years later!. Now, the mortgage broker says that I ca n't get refinanced because the foreclosure is being reported as current. I am 100 % positive that BOA is illegally reporting false information so they can keep my current mortgage.
Consumer complaint received 2016-03-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i had opend a account with bank of america and i deposited a check that was sent back me not knowing the other party had no money. then without warning they closed it so i called and i got no reason just that it was closed for that reason. pleasehel. told me to contact person my self.
Consumer complaint received 2017-02-16
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The department store credit card changed financial institutions that services the account and since that conversion, I have not received any paper statements nor an email notification that a paperless statement is available. It is now XXXX and my payment is due on XXXX and I have not received any statement telling me what my minimum payment requirement is. I understand that the statements are supposed be generated 21 days before the due date.
Consumer complaint received 2015-09-07
Product: Credit card — 
Issue: Cash advance fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

On XXXX XXXX, 2015 I went to a Capitol One Bank in XXXX to withdraw cash on my credit card while waiting for my PIN number to be mailed to me. I withdrew {$50.00} in cash. The next day, I discovered that I was charged a {$10.00} Cash Advance Fee.. 
The card number is : XXXXThis was originally an ING Direct account. As you know ING Direct was forced to sell their American holdings to Capital One a couple of years ago.
Consumer complaint received 2015-07-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I am a Capital One account holder and was attempting to place a stop order on a large check due to inaction on the check for 30 days XXXX payable to the IRS ). In attempting to place the stop order, the fee related to the order was not disclosed, but rather you were directed to your account disclosures or to contact a toll-free number. After going through the Capital One 's long phone-tree to get to customer service, I was surprised to learn that the charge for stopping payment was {$35.00}. In my view, Cap One 's practice is unfair and deceptive insofar as it does n't clearly disclose such a large fee at point of entry and there is no link to any other fee disclosure. It would seem that this is clearly a violation of UDAP and should be remedied.
Consumer complaint received 2023-05-09
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

i have appealed my credit report to the credit report agencies for numbers of despute. Bi law credit collectors must notify me bi either phone or bi telephone and assumption of notification does not validate contact. yet after providing portfolio recovery with a court document stating that at the time of purchase the letter they mailed to the po box one of the addresses in my credit report i no longer had access to the box as i was in prison arrested on XX/XX/XXXX XXXX as shown on the court disposition i provided. Also to further validate that communacation was not made there is a felony conviction on my credit report that showed i was in prison on XXXX XXXX. Arrested on XX/XX/XXXX sentenced on XX/XX/XXXX no communication was mad to any correctional facility and that is not my responsibility it was the responsibility of the debt collector as they assume all responsibily. this XXXXne reason of violation of consumer rights they also violated consumer rights as i recquested every sigle detail on my debt as payments contract as i never have entered into debt with XXXX XXXX so i am entitled bi law to review for inspection every single detail of that debt includint and not limit to binding contract and payment history and amount the only thing fowarded bi XXXX XXXX was a piece of paper with my name a few dates and a letter stateing they purchased the debt in a time i was incarsarated and the address is not where i lived. these three violation of consumer law must be addressed between them and the credit borreaus as they are illegally reporting on my credit when they have no legal claim and are causing me hardship