davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC. (GA)

Re-AllybankI make auto loan payments to Ally bank in the amount off {$170.00} per month. The payments are due on the XXXX day of each month. I was late in the month of XXXX and schedule the payment on Ally 's website to be made on XXXX XXXX. In the interim, I received a letter from Ally of intention to report my late payments to the credit Bureau re. I called and spoke with a XXXX and then with a XXXX, was a supervisor. 
Despite the fact that we verified my payment scheduled to be deducted from my account on XXXX XXXX, Ally, without authorization deducted the payment from my account on XXXX XXXX. 

I incurred charges because the funds were not then available and, my other chicks were returned and I was charged various fees. I discussed the question of the fees with the bank but they refused reverse the payment and then deducted on the date scheduled, which is XXXX XXXX. They also refused to refund the fees that were charged in connection with early deduction and, in connection with the charges incurred because my other checks were returned as a result of their early withdrawal of funds from my account.
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

XX/XX/year> contacted XXXX XXXX Capitol One to find out account number so I could pay if off with balance transfer. They have my account restricted as my boyfriend ( at that time ) tried paying it off and they want info from his bank. My boyfriend has since broken up with me and cut off all ties, I can not get ahold of him. I have been making all my payments but they have my account locked. 
They are charging me 30 % interest and I called them about doing a balance transfer to pay it off and they won't allow that. 
I don't know what to do, I will never be able to pay off the balance of {$4700.00} with that kind of interest. Why won't they allow a balance transfer of a card in my name. I feel like they are just taking advantage of me
Consumer complaint received 2017-02-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (MT)

on XX/XX/2017 I called Ally financial to find out why my payments where being returned. I spoke to an agent there, a lady named XXXX. we discovered that I had XXXX bank accounts linked and I had been selecting the payment to come out of the wrong account ( a closed account that I no longer use ). anyhow XXXX and I spend and hour on the phone scheduling future payments to come out of the correct account. XXXX payment scheduled for XX/XX/2017 and the other for XX/XX/2017. these payments would have brought me current. I received an email from Ally that they again tried to take the payments from the wrong bank account. all my loan information on my online ally account had been deleted and now they are charging me XXXX dollars a day for late interest and XXXX day late information to the credit bureaus. I called to remedy this and explain to them that ally made some kind of technical mistake. I explained that me and XXXX made absolutely sure that the payments where scheduled under the correct checking account and that it was not my fault that they had not received a payment. Ally continually made efforts to try and make me believe that I was at fault and they would continue to charge the late fee and report the negative information to the credit bureaus. even though I have been proactive about making things right and keeping in contact. all I want to do is pay my bills without being punished for a mistake that the lender made. I have attached the email from ally saying the payment was returned and my XX/XX/XXXX bank account statement to prove that the funds were available
Consumer complaint received 2016-02-05
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF THE WEST (CA)

We obtained mortage from Bank of the West on a business property that my wife uses as her business in XXXX of 2013. We have paid as agreed, however my wife has been XXXX, and can no longer conduct her business. We have decided we need to sell the property, but the bank will of course accelerate the loan and will trigger the due on sale clause. At this stage they also want to charge me a prepayment penalty. We can not afford to sell the building and pay approx {$18000.00} in a prepayment penalty. Kind of like a Catch 22 situation. 
We would like the bank to take these other factors into account. 

WE HAVE PAID FAITHFULLY AND UP UNTIL THIS POINT I HAVE TOLD ANYONE WHO WILL LISTEN THAT I THOUGHT THE BANK WAS GREAT TO DO BUSINESS WITH. I BELIEVE I AM RESPONSIBLE FOR AT LEAST XXXX OTHER PARTIES USING THEIR SERVICES. 
I WOULD LIKE TO REMAIN ON A GOOD FOOTING WITH THEM, AS I HAVE OTHER BUSINESS WITH THEM. HOWEVER I FEEL THE ENFORCING BOTH THE DUE ON SALE AND THE PREPAYMENT PENALTY IS WRONG.
Consumer complaint received 2016-10-15
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (CA)

Hello CFPB : Would it be possible to re-open my complaint XXXX? 
It was prematurely closed despite my provision of further evidence to prove that the bank did not reward me with the correct number of points. The response provided by the bank was inaccurate. I 'm attaching the correspondence and documents to substantiate my claims. Thank you so much for your attention. 
Good day! 
XX/XX/XXXX/XX/XX/XXXX, I called Barclays XXXX XXXX to cancel my credit card to avoid the annual fee. The operator offered a retention package, which involved earning XXXX XXXX XXXX points after spending {$2500.00} for XXXX consecutive months. I signed up for it. After meeting the spend of {$2500.00} for 6 months ( XX/XX/XXXX-XX/XX/XXXX, to be sure to get the bonus, I even spent {$2500.00} XX/XX/XXXX ), I patiently waited for my bonus to post. In around XXXX, I called to inquire and operators had repeatedly told me to wait for the points to be credited. XX/XX/XXXX, I knew something was amiss when my points have not showed up in my account. I called again with operators dismissing my concerns and promising that the points will ultimately come through. After calling about 4-5 times, I had finally reached my threshold and requested to have my issue escalated. I spoke with a manager who vowed to review my case. I received a letter a few days afterwards informing me that I was not eligible for the bonus because I did not sign up for it. I was exceedingly disappointed because this was not the truth so I called again, this time requesting for all my previous calls and conversations to be reviewed. I am not sure if they reviewed the conversations but they responded again that I did not sign up for the offer. I felt that this was an extremely dishonest and fraudulent practice for this bank to lure me back into signing up for another year, with the promise of bonus miles and subsequently denying their offer. I called again and finally reached a sympathetic manager who listened to my complains. I conveyed that it defies logic for any customer to try to spend over {$2500.00} every single month for 6 months in a card that was initially about to be closed down. The bank ended up giving me XXXX as a consolation, instead of XXXX that they initially promised. After a few days, I was reading a blog that indicated the same exact circumstance has been happening to other consumers. Barclays has been offering this promotion to sustain customers but unable to stay true with their word. I initially did not want to complain but I think CFPB needs to be made aware of this unethical and unscrupulous behavior of this bank. I also would still want the other half of my missing XXXX bonus. Thank you so much for listening to my concerns.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2017-05-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Empowerment Ventures, LLC (NY)

my complaint is with RushCard. There was unauthorized charges from  XXXX   XXXX   XXXX / XXXX / 17  {$150.00}  XXXX / XXXX /   17  {$2.00}  XXXX  {$60.00} All   XXXX    charges were not authorized I started the dispute on  XXXX / XXXX / 17  when I first saw the charges, after I called  XXXX   XXXX  and it was unresolved. I filled out all the required paperwork that  Rush  representatives told me I had to fill out and sent them back via fax Since that time I spoke to several representatives but the last one yesterday was  XXXX . I advised him that  XXXX   XXXX  resolved the issue and credited back the card gave them statements that were provided to me by  XXXX   XXXX . On  XXXX   XXXX  they refunded the debit card then  XXXX / XXXX / 17  {$60.00} was refunded. Since that time no money was actually refunded to me by Rush. I received letters stating to try to resolve issue with merchant which I have but rush is holding money now for over the initial 30 days they told me it would take. Everyone told me that I cant speak to the actual department of disputes and that I just had to wait. Wait until  XXXX  which is not right since the merchant has refunded the charges I just need it to be done on the Rushcard side I have asked for phone calls back and received nothing
Consumer complaint received 2015-08-26
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (CA)

An account with JCPennys was opened in my name in XXXX. The last negative activity was XXXX. I did not open this account. I have spoken with they fraud department numerous times and they have told me I can " dispute the account '' with no resolution each time. They sent me paperwork in XXXX which I filled out and sent back. I thought it had been removed. They now tell me they have no way to see if they ever received that paperwork. I am now purchasing a home and had about to lose my home as this account is reporting XXXX times on my report and affecting my credit score by XXXX points! The original account had XXXX names on it. Mine and someone else. The XXXX collection on my credit report is with both names. The XXXX collection on my account is in my name only. They have told me they would not provide me with any documentation. They told me the only thing they would do is request documentation and they may get something, they may not within 90 days at the earliest. They will not give me the names or even the account number or anything. I have requested verification over XXXX times over the past 7 years and they refuse to give me any information. I have also disputed this account on numerous times over the past 6 years. They are reporting on each of my credit bureaus XXXX times, once as JCPennys, once as their in-house collection division called XXXX XXXX. They are reporting as a paid charge off, paid collection, charge off and collection.They are very rude every time I speak with them and keep sending me bills for the account and calling repetitively about the amount due yet will not help in verifying the account, sending me any documentation, or anything. I am in escrow in a home now and am about to lose my home as I had no idea this fraudulent account is still reporting numerous times on my credit report. I have attached the documentation showing all the different ways it is reporting on my report as well as the documentation from the credit bureaus showing how much it is affecting my score.
Consumer complaint received 2016-05-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (PA)

We have been charged overdraft fees on our interest personal checking account on three different occasions over a period of four months. At no time on these three occasions was our account overdrawn. I log onto our online banking everyday and constantly monitor our activity. A printout of the most recent {$36.00} overdraft charge is attached. You can see that at no time did our account have a negative balance, but PNC charged an overdraft charge of {$36.00}. How can a bank charge an overdraft fee when the account to which it is charged does not have a negative balance? I think this is grounds for an investigation into a class action lawsuit. This has happened to us three times, and I 'm sure it has happened to other PNC consumers.
Consumer complaint received 2016-06-21
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: MAS FINANCIAL SERVICES, INC. (CA)

MAS Financial claims I owe them for lapse of insurance. I have provided them with my policy from last year and this year ( renewal ) and it shows no lapse in coverage. Their machine calls me at least 4-6 times a day. When I do speak to a representative they confirmed they have received my documentation and is under review. Their machine still calls me and when I asked them about it they said it was a machine and they will take care of it. Needless to say calls are still coming is and is very annoying.
Consumer complaint received 2016-08-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (AZ)

I had a pending balance with the apartment complex that I was renting and it was taken to court, a judgment was given for certain amount. I am willing to pay that amount but the collection agency which owns that debt are trying to collect an amount that almost doubles the judgment given by the court.
Consumer complaint received 2016-01-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ORG GC GP BUYER, LLC (VA)

I received 2 phone calls in the moth of XXXX for a company titled GNC. ( I think that is the name never received anything in writing ) When I asked what was it in reference to they would not give me any info stating I had to verify who I was first. I said to them, I just confirmed my name but I will not give you my address or DOB and I do n't know who you are. I even asked for a website. Nothing given so I politely asked not to be contacted by phone but to send correspondence by mail. In XXXX I received a hit on my credit report for a collections from XXXX. Long story about this with sprint I will explain at the end. I called XXXX to ask why I was sent to collections when they had just corrected my bill to the right amount the beginning of XXXX. I was told by sprint my account was at a different office and given a number to contact them. I called the number provided XXXX and low and behold it was GNC or whatever their name is. I asked to speak with a supervisor received a call back and she proceeds to tell me there is nothing she can do and ironic her office tried to contact me but I refused to give information. I told her is it normal for a representative to call and not verify who or why they are calling. I told her if they said they were calling on behalf of XXXX I would have been more inclined to talk. The manager tells me they have to protect their clients privacy. What about my privacy ... That was stupid right there. So I then asked her ok this is more trouble than it 's worth. If I pay it will this be removed she proceeds to tell me no. They will just report it as paid in full. First I was unfairly sent to collections and then you wont remove it. " Now on to how we got here '' I canceled my service with sprint on XXXX/XXXX/15 and they sent me to collections on XXXX/XXXX/15. In that time sprint had sent me a bill for {$1400.00} which was {$600.00} over what I owed. I called sprint numerous time to correct this and spoke to numerous representatives. Finally on XXXX/XXXX/15 it was corrected to what I truly owed which was {$730.00} but on the same day they sent It to collections. I never even received an adjusted statement to be given an opportunity to set up the correct payment. I called Sprint 6 times today and no one was willing to fix this problem. I have been totally railroaded by XXXX and the collection company. I had no problems paying what I owed but I wanted a correct statement. XXXX also never gave me credit for my original phone that I turned in so I am very XXXX off at this point.
Consumer complaint received 2017-03-10
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC (FL)

I received a letter saying I owe a student loan and must send the amount to them.The letter used the XXXX XXXX XXXX XXXX. but did not indicate who is the servicer who gave them the authority to collect for them. I called the number of the collection agency and the person on the phone said it was a student loan for my daughter XXXX yrs ago in my former married name, ( I 've been divorced since and use my maiden name now ) and its defaulted loan. The person on the phone said that I can make payment arrangement based from my income and budget, as low as XXXX dollars a mo. in order for the debt to be out of defaulted status. I was skeptical, but I answered all personal questions including where I worked, how much I make, even my budget etc ... since I barely have money left for food expenses, he said I qualify for XXXX dollars a month. I thanked the person and I said give me the website where I can pay online. He said that their program is only for automatic payment and I need to give my bank acct or debit card to pay the XXXX $ monthly payment. I got nervous and I told him that I will call him back in the morning and I got his name and ext number. The following day I researched and make calls and with the help of the account number on the letter the collection agency sent me, I found out that this so called defaulted loan, has zero balance. That 's why it was not even in my credit report, and I do check my credit score every month, and my credit report at least every 6 mos. So I blocked the collection agency 's phone number to stop them from calling me. They have been calling me and leaving messages, even using local phone number to trick me to answer their call. After 15 days of the original debt collection letter, I received again XXXX letters back to back in 2 days, same exact letter, but the balance owed is more but with same loan account number. So I decided to report them.
Consumer complaint received 2015-11-18
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (PA)

XXXX/XXXX/15 : I attempted to withdraw {$100.00} from a PNC bank ATM and only received {$60.00}. I reported the discrepancy and was issued a provisional credit pending the outcome of the investigation into the dispute. 
letter dated XXXX/XXXX/15 : I received a letter indicating that the transaction was processed correctly and the money would be withdrawn from my account. Upon receiving this letter, I called PNC to request the documentation of the investigation and was told that I would need to call to speak with the disputes department. 
XXXX/XXXX/15 : I called to request documentation of the investigation and was told that there was no documentation to be sent and that I could not speak directly with the disputes department. When speaking to a manager, he informed me that PNC saw no error reported by the ATM in question. He said that I could reopen the dispute and it should be resolved within 45-90 days. I informed him that they only had a maximum of 45 days to resolve this to which he disagreed. The manager stated that PNC was doing me a favor by reopening the investigation. He then dismissed my inquiries into why and how the initial dispute was never fully investigated and pushed to have me end the call.
Consumer complaint received 2016-07-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

**** NEW CRIMINAL /COMPLIANCE CHARGES ~ XX/XX/XXXX - XX/XX/XXXX WE STILL HAVE NOT RECEIVED A SINGLE MONTHLY STATEMENT IN THE MAIL AS REQUIRED BY LAW IN 2016. THAT TIME PERIOD INDCULDES XX/XX/XXXX TO XX/XX/XXXX. 

THE NOTICES STOPPED WHEN WE DISCOVERED AND FOUGHT THE LOAN FRAUD AND THE ILLEGAL COLLECTION ACTIONS BEGAN AND HAVE NOT STOPPED WE HAVE NOW HAD 5 DIFFERENT REQUESTS TO MAKE A {$1400.00} PAYMENT WITHOUT A WRITTEN EXPLANATION AS REQUIRED BY LAW IN JUST 4 YEARS. ( OUR PAYMENT WAS FRAUDULENTLY DISCLOSED AS {$840.00} USING ESCROW FRAUD ) ALTHOUGH OUR LOAN IS CURRENT, NATIONSTAR IS STILL INTENT ON STEALING THIS WIDOW 'S HOME FROM HER AND THEY ARE NOT GIVING ME THE OPPORTUNITY TO PAY MY LOAN WHILE I FIGHT THE OBVIOUS AND PROVEN FRAUD WE HAVE ASKED FOR MONTHLY STATEMENTS OVER 75 TIMES. IT WAS ASKED FOR IN PREVIOUS CFPB FILINGS AND THEY ARE STILL NOT COMPLYING. 

WHEN ASKED, NATIONSTAR REPS SAID, OVER AND OVER, " WE DO N'T HAVE TO MAIL OUT MONTHLY STATEMENTS '' THEY ARE INTENTIONALLY DEFRAUDING CONSUMERS AND THE FEDERAL GOV THIS IS PROVEN THE MOST RECENT REQUEST FOR A {$1400.00} PAYMENT WITHOUT WRITTEN EXPLANATION WAS THIS MONTH. AS OF XX/XX/XXXX ... NO MONTHLY STATEMENTS HAVE BEEN MAILED TO XXXX XXXX XXXX XXXX FL. THEIR DISREGARD FOR THE LAW AND CONSUMER RIGHTS SETS A NEW LOW FOR AMERICAN BUSINESS.