davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (MI)

I am making a complaint against Spring Oaks Capitol LLC, I am not aware of this debt of XXXX, I did receive any written notification of this debt before it was placed on, my credit report, this is a violation of my federal rights, please provided the certified return receipt with my signature, look forward to resolving this matter immediately.This is the reference number from XXXX XXXX XXXX XXXX  XXXX showing that my information was impacted.
Consumer complaint received 2021-09-03
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I received a phone call from a XXXX XXXX from XXXX on Wednesday XX/XX/XXXX, stating he was calling from a law firm XXXX XXXX XXXX XXXX. He advised I would be getting served court papers regarding a debt he stated I owed to Bank of America in the amount of {$2400.00} from XXXX. He also included the company had sent out multiple letters regarding the debt and could settle for {$500.00} in which I had no regulation of the debt but I stated I could Pay {$370.00}. I called him back Thursday XX/XX/XXXX to try and get some information on the debt he stated I owed because I did not want to be taken to court as he stated and was told the law firm has already done their due diligence and did not have to provide me with any proof at this time and if I did not pay today they would pursue the process and take me to court. I then paid the {$370.00}. I am now upset because I feel this was very misleading and I was taken advantage of. I am unable to find this company anywhere.
Consumer complaint received 2016-03-03
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

ON XXXX XXXX, 2015 I EMAILED XXXX XXXX AT WELLS FARGO WARNING HIM THAT THERE WILL BE A CHECK THAT WILL NEED MY ENDORSEMENT SINCE I AM NAMED ON THE CHECK. I ALSO MENTIONED THAT THE OTHER SIGNERS OF THE CHECK WOULD BE DEPOSITING THE CHECK WITHOUT MY SIGNATURE. I GAVE THEM A COPY OF THE CHECK AND A COPY OF MY SIGNATURE. ON XXXX XXXX, 2015 I RECEIVED AN EMAIL FROM XXXX XXXX SENDING ME A COPY OF THE DEPOSITED CHECK.
Consumer complaint received 2024-03-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Since XX/XX/XXXX to XX/XX/XXXX they have called me over XXXX times a week just about every XXXX for over a XXXX. I have phone records as proof. They tried to sue me and I showed my evidence and they promised to drop case and report my case as resolved to XXXX. They dropped court case but not XXXX
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Spring Oaks Capital, LLC (TX)

The report shows I currently owe money to your company that I have already repaid. 

o The date of first delinquency on my report is not accurate. 

o My XXXX loan shows a period of delinquency when I was actually in an XXXXXXXXXXXX repayment plan. 
o Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I have disputed with experian, XXXX, and XXXX  several times with concrete evidence of Inaccuracies. I was not able to get any answers on how my disputes were investigated. I'm seeking CFFB to ask the 3 CRA 's to remove the negative info. The balance, original lender, new lender and the late payments were not correct. The house was sold and payoff without any late payments or FS. Also the original creditor XXXX is not in good standing and therefore not legal to do business in Maryland. 
Please see attached.
Consumer complaint received 2015-06-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (PA)

This is our XXXX year that we 've had our home mortgage with Wells Fargo. When we refinanced our mortgage it was with XXXX Mortgage who then sold our mortgage to Wells Fargo. Last year, they increased our Escrow payment by {$16.00} because ( through miscommunication they had n't factored in our Hazard Insurance. We were fine with the increase since originally XXXX thought we would pay our Hazard Insurance, but then at settlement it was decided it would be par of the Escrow. The paperwork was never changed to reflect the additional funds. This year, Wells fargo is trying to increase our Escrow payment again. They attempted to claim they did n't know about the Hazard Insurance. But since they paid it last year, and increased our monthly payments, we did n't agree with the increase. Then they claimed RESPA requires, by law, that the bank keep a two-month cushion in our escrow account. Wells Fargo has enough money to pay all our taxes, but they only have a XXXX month cushion after all XX/XX/XXXX taxes are paid in XXXX. The next tax is n't due until XX/XX/XXXX. I explained that RESPA does not require, by law, that there be a XXXX cushion. The XXXX cushion is strictly bank policy. I finally got Wells Fargo to agree that it is NOT the law, but they wo n't budge on the XXXX cushion even though there is enough money in Escrow to pay the taxes. We ca n't afford the additional increase. While we always pay our mortgage on time, we live very close to our budget and never spend extra money. It is sometimes tough to meet the demands of our mortgage payments, but we continue to pay on time. An increase in monthly payments might make it even more difficult to set money aside for our mortgage, especially when it is not necessary.
Consumer complaint received 2016-02-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My account was charged overdraft fees for several years without my consent into the program. When I learnt of the Cfpb rule on this practice, I contacted the bank to show me the single page opt-in consent form that I should have signed according to the cfpb rule but they could n't.
Consumer complaint received 2024-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC (CA)

mortgage company pulled incorrect insurance cost from insurance company that was 10x correct amount and added it to escrow, thus overcharging me monthly by XXXX the charge was adjusted but is still XXXX too much. fay servicing will not take responsibility or correct the issue.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-03-05
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hello, I am filing a complaint with the Consumer Financial Protection Bureau against Capital One because the bank has not cooperated with me. They have caused undue hardship for me. 

Between XXXX XXXX, XXXX and XXXX XXXX, I was overseas in a XXXX. At the time, I had closed my XXXX account and had no XXXX account to make an electronic payment to Capital One. In XXXX, I chatted with Capital One and attempted to make a payment. The representative gave me an ID payment number, however, when I went to a bank location in XXXX to try to make a payment, they said they do not work with Capital One and I was therefore unable to make a payment. I have also tried to call Capital One multiple times to resolve this issue, but international phone calls were extremely spotty at best. 

On XXXX XXXX, XXXX, I made a phone call to Capital One, having arrived back to the US, in an effort to make an electronic payment to my credit cards. The representative at first said I would make a payment of {$48.00} and that would have been satisfactory until the XXXX, which is when I get my paycheck to pay off the rest. Then, the representative said I was 120 days late and Capital One would lock my account. The representative was a bit " wishy-washy '' and was not specific. It caused me a great deal of confusion. There was no extension to work with my account issues and I was afraid even if I made a payment, the account would have been locked regardless.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I have disputed with XXXX, equifax, and XXXX  several times with concrete evidence of Inaccuracies. I was not able to get any answers on how my disputes were investigated. I'm seeking CFFB to ask the 3 CRA 's to remove the negative info. The balance, original lender, new lender and the late payments were not correct. The house was sold and payoff without any late payments or FS. Also the original creditor XXXX is not in good standing and therefore not legal to do business in Maryland. 
Please see attached.
Consumer complaint received 2016-06-20
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I work in the corporate office at Saks Fifth Avenue. My Saks credit account, ending XXXX, is in default after entering my updated XXXX checking account information into the SAKS Online system as well as made a payment though there even though no payment was due at the time -- the account on XXXX XXXX, in fact, reflected a credit of approximately {$100.00} in the Saks Online bill pay service. 

Then I signed in to update my account with my new banking information and made said payment with my new bank account to make sure it worked. When I got in today, five days later, I see I received an email that the payment did go through, although there are sufficient funds in my new XXXX checking account. This morning I 've called Captial One and XXXX XXXX Customer Service several times -- the first call, the operator, XXXX, could not locate my account at all. The second call was disconnected. The next few calls, the Customer Service rep suggested I speak with Saks , Inc. Human Resources and double-check that I entered the correct bank account #. I did everything asked by Saks , Inc. as well as Captial One Card Service representatives. I just signed in and re-entered my new bank account information, and YES, it says it is the same bank information entered last week. However, it will not allow me to use this information for the account, but this is my checking account. PLUS -- the account is now in default, Capital One has charged me fees, but I can not review the complete charges and I 'm being charged an interest rate of 24.24 % as well. As I try to recieve answers and help, my credit score will be affected, and if it is, will make it IMPOSSIBLE to maintain housing within the NY State. In fact, if this happens, I will be homeless, at least temporarily, until it is cleared with credit agencies, and restored to good standing. The last call ( of several on XXXX/XXXX/2016 ) with Captial One Services, I was transferred to " XXXX '' ( who would not give me her last name ). I 'm being forced to repeat this story several times as I 'm transferred, and during ONLY working hours, Now XXXX told me I need to speak to my bank, but would I like to " make a payment now? '' If I knew what I was paying for and could review the charges to my account to make sure my account security was not compromised, I would gladly make a payment. However, I can not view statements on the Online payment system -- or transaction history, it requires they be sent by mail only -- in which interest fees and late fees will accrue and my credit score will be affected. Any help you can provide is sincerely appreciated.
Consumer complaint received 2015-12-27
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (CA)

On XXXX/XXXX/XXXX, I entered into a repayment plan with my Citibank credit card. I received a letter outlining the new terms and conditions. I did not have a delinquent balance on my credit card at this time. I was told by Citi 's representative that I could make my all payments online. On XXXX/XXXX/XXXX, the due date on my credit card, I was not able to make my payment online. Citi 's online system does not allow payments when you enter into a repayment plan. I made my payment over the phone on XXXX/XXXX/XXXX and my payment posted to my Citi account on XXXX/XXXX/XXXX. Since then, I have been getting calls from Citi at all hours of the day. Calls are harassing in nature, are intimidating, and plain bothersome. My son and I called Citi to find out why we were receiving so many phone calls. Citi 's response was : I made my payment late for XX/XX/XXXX, and I still owed a past due amount ( for XX/XX/XXXX & XX/XX/XXXX ) and that negative reporting to the credit bureaus would continue. I responded by explaining why I made my payment past XX/XX/XXXX ( explained that I could no longer make payments online ), explained that I had agreed to new terms and conditions for the repayment plan, and that I did n't think it was correct for Citi to continue harassing me with phone calls and negative credit reporting.
Consumer complaint received 2016-06-07
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: PNC Bank N.A. (IL)

On XXXX XXXX I took out a FHA mortgage loan, National City Bank was also the mortgagor ... I got separated from my husband, I then filed bankruptcy In the Untied States Bankruptcy Court case XXXX. The mortgage was discharged but forgot to cancel payments from my bank accounts. PNC continue to take payments totaling {$96000.00}. PNC BANK NATIONAL, filed a foreclosure action case No. XXXX CH XXXX on my home not allowing a face to face meeting prior to filing the foreclosure, not qualifying me for a modification or giving me credit for the monthly payments that were sent after the bankruptcy was filed. PNC has violated my rights committed fraud on the court. I am currently in Illinois Appellate Court case XXXX. XXXX. I am trying to keep my family and myself from being dis-placed and homeless. The attorneys continue to create false documents, and refuse to return my money after the bankruptcy was filed. I should at least be able to qualify for a modification according to the XXXX guidelines.
Consumer complaint received 2015-10-07
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (UT)

I have had an account with Macys for a few years. I have not used the card forever. I called them XX/XX/XXXX 2015 to update my new address because I moved. They said it was updated. The other day. XXXX/XXXX/15, I had my credit pulled and they are reporting me 90 days late. I called them, the same day to resolve this, and they said all the statements had got returned because they have the wrong address. They advised me it was their error and they removed all the fees and fixed my account. They said they would remove he lates from my credit due to their error as well. I called back XXXX/XXXX/15 to ensure this had been done & they advised me they will not remove the lates from my credit because I should have called them to ensure my address was changed. Why do I have to call back to ensure my address is changed? I changed it with them and all my creditors in XXXX 2015. It is not my fault they did not update it correctly. This is not my fault and they have admitted it to me and fixed all the other issues, the lates on my credit are a part of the same issue & need to be removed as well. I am never late nor have I been late with them or any other creditors.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2020 I received an email from Capital One stating that my account was two months past due. My account was set to autopay so I immediately called them. I was told that the auto pay was set to a specific amount not to the minimum payment and that recent activity had made the minimum payment greater than the amount it was set to pay. I made the make up payment on the phone and then changed the monthly payment type to the minimum payment so it would not happen again. My credit report was flagged as a non payment even though I had been making payments on time all along. I was never notified that there was a problem with the amount of the payment which would have allowed me to correct the problem before it affected my credit. Upon review of my statements I found that for three months I was assessed a late fee but again no  notice that there was an issue. On XX/XX/2020 I mailed a letter to Capital One disputing the late payment status. I never received a response. On XX/XX/2020 I filed a dispute with TransUnion to which I did receive a letter from Capital One asking for an explanation and a copy of my credit report. I mailed the requested information but never received any response from Capital One. On XX/XX/2020 I filed a dispute with XXXX  stating the same facts as I have here. I never received any response from Capital One. On XX/XX/2020 I again filed a dispute with XXXX   stating that I had never received a response from Capital One. As of today XX/XX/2020 both XXXX  and XXXX  show that my dispute has been completed but Capital One has done absolutely nothing to resolve this outside of the letter requesting more information that they in turn did nothing with. As of today the account is paid in full and I just want that misreported mark for non payment removed from my credit report. I feel that Capital One policy has no interest whatsoever in protecting the consumer or they would have notified me that there was a problem when I still had time to fix it. Instead, they just made money off of late fees with absolutely no notice whatsoever and they refuse to respond to my requests for assistance.
Consumer complaint received 2016-08-31
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (FL)

I had an account with XXXX that was a pay per click ad words account and placed a credit card on file for them to charge XXXX per month for service before we even started the service i asked many questions about how the ad words system worked and was explained that they monitor the account and create seo words so it would drive more traffic to my website.I was told that they can track the IP addresses so to make sure that the competitor would not be submitting false clicks to drive up my account charges. After the first couple of months things were fine until i received a bill from my credit card company for XXXX from XXXX. I called XXXX and was told that i received XXXX click, s in 1 day. I told them that this was not correct and they needed to investigate this as this was not correct. They did nothing and insisted i pay the bill which i disputed with the credit card company which credited my card until they received a response to my dispute from XXXX.XXXX sent them thier policy, s and procedures but no proof that this was a ligitamite charge which the cridt card company reversed the charge and said the case was closed in thier favor. I Contacted the credit card company when i received their response and was told to re dispute the charge but in writing only which i did and never got any response from the credit card company other than the fact that they said i owe them which i said no i do n't and i explained i want the proof that i received the work i was being charged for because XXXX told me that they could research the IP addresses to see if they were duplicate and if they were they said i would not be liable for them which XXXX has yet to do and i do n't feel that this is correct. The credit card company is not addressing this instead has reported incorrectly to reporting agencies in correct information which is affecting my credit rating.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have disputed with XXXX XXXX  and transunion several times with concrete evidence of Inaccuracies. I was not able to get any answers on how my disputes were investigated. I'm seeking CFFB to ask the 3 CRA 's to remove the negative info. The balance, original lender, new lender and the late payments were not correct. The house was sold and payoff without any late payments or FS. Also the original creditor XXXX is not in good standing and therefore not legal to do business in Maryland. 
Please see attached.
Consumer complaint received 2020-11-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I filed an application for a mortgage refinance loan with Chase Mortgage Bank and submitted all the financial information requested. After 60 days, Chase Mortgage Bank changed the terms of the loan and later admitted that they had miscalculated my debt/income ratio and I needed an exception approval. Chase changed the status of the loan as approved but also changed loan terms without proper notification. The Loan Agent never notified me regarding how points on the loan was increased as well as the total amount of loan costs. All without proper disclosure. It was a bait and switch tactic which occurred late in the application process. They repeatedly used their online website to continue to add more " tasks '' and ask for more financial documents. It appeared that Chase began to add deadline dates for more information for me to miss a submittal deadline and thus have a basis for loan denial. I demanded they change the loan terms back to what was originally quoted. My e-mails were ignored. I submitted over 130 separate loan document uploads to Chase as requested. In some cases, the repeat requests were for already submitted info. Chase, indicated the loan was approved and scheduled the loan signing date, but later after waiting over 90 days cancelled the loan approval when they notified me that the loan underwriters could not approve the loan because my income was considered retirement income, and I did not submit certain tax documents ( that were never requested regarding self employment income ). Which they originally said would not be used to qualify for the loan. I have excellent credit with no late mortgage payments in the past 20 years. I clearly feel I was discriminated due to my age and/or XXXX race.