davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (VA)

I have tried to work with Ally Auto to manage my payments due to Covid-19 loss of income. I have filed numerous complaints against Ally and the Executive Management Team tells the CFPB that they are trying to work with me. LET ME BE CLEAR-THEY HAVE NOT MADE ANY CONTACT WITH ME. They are lying to you guys and not calling or attempting any type of communication. Now, with that said, their collection department calls me EVERY DAY AT WORK. I answer and tell them EVERY DAY TO STOP CALLING MY WORK NUMBER. They do not listen, one guy laughed and they continue calling my work number every single morning. I have tried to get them to stop calling from the collection department to my work number. Again, they do not listen. If they are doing this to me, they are doing this to many other people. 

Also, do not believe that their executive team works with the consumer when a complaint is filed. They have not attempted to reach out to me at all. If you all have other complaints to Ally Auto, I would reach out to the other consumers and see how well their complaints are handled. As I said above, no one has bothered to reach out to me except their collection department to my work number even though I ask them to stop calling my work.
Consumer complaint received 2017-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NC)

I opened a Chase credit card XX/XX/XXXX with the promise of XXXX SW points. I was recently informed that my remaing XXXX points expired XX/XX/XXXX because I did not have any points earning activity in the past 24 months. However, I do not believe this should have occurred. All of my points came from my Chase credit card and I went back to the terms and conditions of this card. Here is what I was promised in those terms : TERMS AND CONDITIONS : Points do n't expire as long as you have flight or Partner earning activity every 24 months. No Blackout Dates and Unlimited Reward Seats apply to flights booked with points. I had a flight on XX/XX/XXXX. Therefore, I met the first par of the " either or '' requirement to prevent expiration of points. Southwest told me that I needed to have a flight that I paid for with cash, and since I used points to purchase my flight, it did n't count. The credit card terms and conditions do not specify that the flight could not be purchased with points, it merely states that I needed to have a flight. For this reason, my points should not have expired. I would like for Chase to reinstate all of the remaining points ( XXXX ) earned from the credit card as I met the terms of their agreement. If the terms require a southwest flight purchased without points, the Terms and Conditions should specify that. *I attached a copy of the email sent to me by Chase that confirms my points would not expire so long as I had a flight in the past 24 months.
Consumer complaint received 2017-08-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

HSBC on XX/XX/XXXX completed a loan modification for me on loan # XXXX. HSBC performed an Intentional fraudulent modification without my knowledge and Unapproved documents were never presented to me. Concealment of the loan documents were never provided when requested. HSBC failed to disclose terms and conditions of the modification and failed to disclose the modification period. HSBC never informed me anything regarding the XXXX XXXX XXXX XXXX. Since the modification HSBC has since sold the mortgage to XXXX XXXX XXXX XXXX ( XXXX ) # XXXX ... XXXX XXXX XXXX contacted HSBC on my behalf shortly after XX/XX/XXXX and  requested the modification loan documents. The loan modification documents were not able to be located per HSBC. Since that time I attempted another modification with XXXX however the 30 year term and interest rate were to extreme. I had already resided in the mobile home for 10 years and now XXXX was asking me to accept another 30 year mortgage at a 9 % interest rate in which was too substantial for me. I owe more than what the mobile home and 5 acre property are worth. I am currently contemplating a foreclosure and short sale of my property. Since the loan modification I have paid fees and high interest rates due to HSBC
Consumer complaint received 2017-06-13
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Medical Data Systems, Inc. (PA)

Repeated phone call in the span  of 3 wee ks. First call was made on  XXXX   XXXX  followed by the days of  XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX  and  XXXX . I explained the situation and mention that I would call when I 'm financially ready to make payments. But the representative was very rude and stated that they will call me every 3 days. I told him I do not need to be called every 3 days. I am aware of the bill. They constantly call me and are very rude.
Consumer complaint received 2017-06-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

As per previous CFPB case # XXXX, this bank is requiring that I reactivate a " dormant '' account by performing a transaction with it prior to my being able to just walk into a branch and withdraw my money. <P/>After that, I will also still have to call their XXXX # in order to actually close this account.
Consumer complaint received 2020-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (OR)

I have been attempting to pay off an old debt that is marked as charged off on my credit report. This is relating to an old department store credit card for Macys. It is my understanding that the credit is through CITI Bank and when calling general customer service I was directed to XXXX and XXXX. Any time calling these numbers and reach an agent I am told I am being transferred to the Macys recovery line. When transferred I have been on hold for over an hour and have not been able to reach an agent to discuss or pay off the debt owed. This has happened on multiple occasions most recently I attempted to reach by phone on XX/XX/2020. I attempted to escalate the situation and speak with a supervisor but all agents at these numbers insist that no one else can help me and that they do not have a direct number to call the Macys recovery area, they can only transfer my call to a queue. The last time I attempted to call on XX/XX/2020 I demanded to not be transferred to this Macys recovery black hole where no one answers as it is completely unreasonable to wait over an hour and still not have an agent to speak to. The agent transferred me anyways - did not care at all about my problems or concerns and disregarded my request to speak with his supervisor. Is this normal for CITI customer service to not have steps to escalate phone calls and do the complete opposite of the customers request? This is unacceptable to treat customers this way - just pass them into this black hole queue and to not transfer my call to a supervisor when requested. I have also sent an email to the citi executive email box, on XX/XX/2020, and have not received a reply or phone call regarding my issue. I do know the email was received as I did receive an auto response email I just want to try and pay you the money I owe you - can someone please call me to discuss this? Or can I please get a phone number that is not a black hole of holding?
Consumer complaint received 2017-01-08
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (IL)

I had been paying the private loan on the website. When payments became difficult I contacted AES to request a deferment or forbearance or altetnate payment options and they denied my request. I was unable to pay for several months do to health issues and unemployment. When I was able to resume payments I went to the website to try to set those up again only to learn that the debt had been sold. AES was unable to provide information to locate the current creditor at the time. I recently began to receive phone calls from a collector who would not provide information about the account in order for me to establish the legitimacy of their claim. I spoke with a representative on Friday XX/XX/2017 who offered unrealistic payment terms I again requested alternate repayment options but he refused and stated that collection activity will continue.
Consumer complaint received 2024-01-24
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc. (NY)

This morning I tried to order a XXXX ride from my residence to my place of employment. I forgot that I had locked my card so the initial XXXX transaction got declined. I then unlocked my card and tried to process the transaction again but to no avail. The transaction still got declined. I have more than money in my account. I have {$55.00} in my account and the XXXX transaction was only {$42.00}. In addition to that, now no transactions are working. It keeps showing an error message stating they're being " this payment was declined for your protection ''. 

I've tried to work with the Cash App staff but they refuse to assist no matter what information I try to provide them.
Consumer complaint received 2017-02-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc. (UT)

My husband and I were self-employed up until XX/XX/XXXX when we had to close our company and lost all of our income. We had made every mortgage payment to our lender on time from XX/XX/XXXX to XX/XX/XXXX. I immediately reached out to the lender to inform them of what had happened and begin the process for a modification or forbearance on our home temporarily until we could obtain employment. I submitted all documents, forms, etc. and kept in close contact with them the entire time. I was first to obtain a job, but it was only part-time. The mortgage company denied our first application for not enough income. However, my husband obtained full-time employment in XX/XX/XXXX, making considerably more money than me. I resubmitted the application, with proof of his job, and they denied us again, this time for too much money, no hardship. One thing they do n't realize is in order for my husband to have this job, he must live in another city during the week, which adds another rental payment for living quarters, subtracting from his monthly income, not including travel and other living expenses. We are n't able to meet all of our expenses even though he has a good paying job. Apparently, they ignored this information and denied us anyway. I had attempted contacting them myself and was only met with hostility and told there was nothing more they could do. I did n't even receive actual denial letters of the reasons for denial, it was just verbal over the phone. In addition, when I would try to call, the person handling our case was never available and of course, they never returned my phone calls. I recently began working with a third-party company to assist us in going back to the mortgage lender for reconsideration. The individual at this third-party company was able to get to the people who had " our file '' and was told by a person in their underwriting department that technically, we should have been approved for a HARP modification, but the " investors '' denied it and will never agree to the modification. The person also stated that our lender denies 95 % of relief applications, regardless of the validity or hardship, and the company is not a good lender to have a mortgage with. I do n't know what else to do. We have full intent to keep our home, but need some relief for a bit until we can get our lives and financial situation back together. This mortgage company refuses to work with us, which is unfair, and someone needs to investigate them. We are not the only homeowners suffering because of this lender and they need to be stopped. We want help to save our house, but they wo n't help us.
Consumer complaint received 2017-06-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

Student loan repayments started in 2002. Although payments have been consistently made, with a couple of deferments, my student loan balance has increased from Approx {$80000.00} to $ 100,000+ according to Navient. I have consistently paid {$300.00} every two weeks in accordance with my agreement with Navient, yet Navient consistently assesses late fees and other penalties.
Consumer complaint received 2020-06-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

This is a follow-up to a complaint I filed on XX/XX/2020 regarding a fraudulent cashier 's check that was deposited in my checking account with Bank of America. Since reporting this incident to the FBI and CFPB, as well as the SEC and FDIC and Bank of America, there have been retaliatory measures taken against me by Bank of America employees, namely in the Recall Department and the Fraud unit, which include : 1. Freezing my accounts twice on a Friday, leaving me without access to any funds and unable to use my debit card and checks. 
2. Closing my new savings and checking accounts this Friday, XX/XX/XXXX, accounts that had nothing to do with the fraud. 
3. Refusing to respond to my phone calls when I call 4. Forwarding my call to various departments before I am finally directed to the appropriate one. 
5. Refusing to conduct a fair and impartial investigation into the fraud 6. Faulting me numerous times for the crime. 
7. Closing the checking account involved in the fraud after I told them I was going to pursue the matter. 
8. Closing my new accounts that weren't involved in the fraud without notifying me.
Consumer complaint received 2021-06-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AR)

XX/XX/XXXX I had an issue with XXXX of XXXX XXXX, Arkansas due to service of my vehicle which two weeks to fix. I made a call to customer services about the lack of communications during the first week of my vehicle being serviced. They had issues with figuring out what the problem was but they had to drive the vehicle to troubleshoot it. I had to wait an additional week to get my vehicle back from the service department at XXXX. Once I picked it up they charged me almost {$2000.00} for the repairs. I understand that having such an expensive car can lead to issues like that. But finding out I needed new breaks upon picking up my car by turning it on and the break lights on. I asked to the Manager of the services and he just said " Oh yeah, you need new breaks '' and walked away from the vehicle. After being treated so disrespectfully by the Manager I called XXXX XXXX and requested that they to come pick up the vehicle. 

The vehicle was picked up XX/XX/XXXX at my residence in Arkansas. I never received any of the following documents, repossession notice or Notice of intent to sell vehicle within the 15 days of the notice. The reason why these documents were never received by me was due to them being sent to the wrong address. I was in the XXXX XXXX and for some reason the documents were sent to my last duty station that moved to XXXX, XXXX. I retired in XXXX so I have no idea why the sent the documents there. But they had to right address to pick up the vehicle. 

I feel my rights were violated and I would like to know what I can do to fix this problem because it is causing my have issues with my credit since XX/XX/XXXX.
Consumer complaint received 2016-08-26
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WESTERN UNION COMPANY, THE (NV)

On XXXX XXXX, I purchased a money order from Western Union to submit to my cable company. The Cable people never received it. I contacted WU and was advised that I had to purchase for {$15.00} a copy of the cancelled money order. When I originally contacted WU in the latter part of XXXX I was told that after I received the cancelled money I would have to contact their office to provide a recorded affidavit attesting that I did not cash the money order. They told me this process would take around 30 days. The time has expired and I do not have my cancelled money and I was told, that after the phone call that I still have to make, the process will now take about 120 days or so. I was also told that even after their investigation, I still may not be refunded.
Consumer complaint received 2016-08-24
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: NCS, Inc (MN)

In 2013 I had talked with Noll Collection they asked me questions about the debt asked if I had attended the school advised yes then that was it later few months I found out they tricked me into a verbal judgement and they have refused to send me letters of the debt nor have they sent anything about being served for a judgement! They have failed to give mini miranda on multiple times they have threatened that if I do not provide my employer info that they will take any action that they can and hung up on me- They have been rude and unwilling to work with!
Consumer complaint received 2017-06-13
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: EQUIFAX, INC. (NC)

In  XXXX , my wife and I sent the attached letter to Equifax, requesting them to investigate errors on our credit report. My wife received her response 2 months ago, with the results of her investigation, however I have not received anything back from Equifax. I have even written Equifax multiple follow-up letters, but they will not send me the results of my credit investigation.
Consumer complaint received 2017-06-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (TX)

onXX/XX/XXXX2017 Sent a letter to CommonWealth Financial Systems inc. ( letter attached ) requesting back up on the debt they are reporting on my credit report. <P/>They replied back ( letter attached ) that I needed to call w/social security # 4 digits/date of birth etc ... so they can properly identify me. I find this a bit disturbing that they clearly have this information since they are able to report on my credit - I will NOT call their office to verify my information. <P/>In my letter I also stated do not try to collect this debt which I do not know what it is for until they provide back if you notice at the end of the letter from the it states this is an attempt to collect a debt and used for this purpose.
Consumer complaint received 2017-08-28
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advance America, Cash Advance Centers, Inc. (NV)

I have been a victim of fraud. Several credit/loan accounts have been opened in my name. Including accounts for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX  and XXXX ( XXXX XXXX ), XXXX XXXX XXXX and XXXX ( XXXX XXXX XXXX ), XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX, XXXX XXXX XXXX, several Payday Loans, Installment Loans and Checking and Savings with XXXX XXXX. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX XXXX Account. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX XXXX Account. 

My mail had also been intercepted by the perpetrators for over two years. ANY good that were shipped and bought with ANY of those accounts I DID NOT Receive. Several Payments were made to keep accounts looking good while maxed out so I DID NOT find out about the accounts until much later and the damage had been done. The prepaid bank accounts and XXXX XXXX account that made payments on these alleged accounts was opened and funded fraudulently.
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2022-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

Wakefield & Associates did not produce an agreement between the said company and I that authorized the company collect on alleged debt. It is a violation to 15 usc 1692f ( 1 ) and considered unfair practices to claim that a consumer owes a debt without the proof of an authorized agreement. I am challenging Wakefield & Assoicates to provide the agreement under penalty of perjury. Wakefield & Associates attached a verification letter, but failed to state that I had 30 days to dispute the validity of the debt which violates 15 usc 1692g ( a ) ( 3 ). Wakefield & Associates also said that another company " referred '' the alleged debt. This is referral is also considered false and misleading pursuant to the FDCPA 15 usc 1692e ( 6 ) ( B ) Again, where is the contract between the company I? A sale, transferal, nor referral subjects me to any unlawful act under the FDCPA. No company can collect without an agreement. I would like to bring to the company 's attention and for the record. According to 15 usc 1692j ( a ), It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Pursuant to 15 USC 1692c ( c ), I demand Wakefield & Associate to cease and desist all communications including the removal of all accounts that the company alleges that I owe. The company 's failure to follow my cease and desist order will lead to the pursuit of remedy for all injuries against me pursuant to 15 usc 1692k. I will be sending my invoice along with my Affidavit of Truth to Wakefield & Associates stating all facts which includes each violation and the damages that you have caused me.