davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: URS Holding, LLC (FL)

I applied and was accepted to the XXXX XXXX through XXXX XXXX. The letter explicitly states that " We have reduced your XXXX XXXX XXXX account and XXXX XXXX account by 100 %. '' Yet I received a letter from a collections agency in the mail this morning for an outstanding balance from them. It is completely unlawful to send an official letter stating that no further billing will occur and then send it to a collections agency.
Consumer complaint received 2024-02-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CarMax, Inc. (GA)

Car max never issued a certificate of indebtedness on a write off was never sent a 1099a or 1099c. This write off is considered as income. Per consumer laws. I am opting out of reporting from Car Max per 15 usc 6802 - 05.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (IL)

I just spoke with a person who said he was manger who called from XXXX ( XXXX ) XXXX After speaking I realized again that I was not going to get the issue resolved. The person told me there is no one else to speak to. Again I was told by a representative that once my monthly installment is paid all monies go toward the balance. This did not happen. Well a payment of XXXX and XXXX has been misapplied My wallet app shows the incorrect payment date. The person who called attempted to put another layer of explanation on top of what I have already been told He also stated there is no one else for me to speak with and he cant correct my payments. I find this impossible to understand. I have sent monies that have been misapplied to the wrong balance. I would like these corrected please.
Consumer complaint received 2024-02-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

BE ADVISED, I AM NOT A CHASE BANK CUSTOMER so they are limited in what they will provide me, My lawyer who is the sender of the transfer, is getting the same infomation I have recieved, CHASE has advised him that I would need to file a claim with XXXX XXXX. 

On XX/XX/XXXX I recieved a wire transfer from my lawyer via CHASE BANK to my savings account with XXXX XXXX which was a settlement from an auto accident. At or around XX/XX/XXXX the remaining funds from my settlement was frozen, I was able to see the funds in my account but was unable to access said funds. I went to the XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, TX XXXX and spoke to a banking rep, I was told that the funds were " ON HOLD '' for possible fraud, and the investigation would take up to 90 days to be completed. 
XX/XX/XXXX the money was eradicated from my account completly, meaning I could no longer see the frozen funds on my account, I spoke the online banking rep who informed me that those funds were sent back to CHASE BANK and CHASE would have to re-distribute funds back to me via the original sender. I asked for a tracking number of the funds that was sent back, I recieved the tracking XXXX number showing that the funds were indeed sent back to Chase. 
On XX/XX/XXXX CHASE BANK states that the funds were recieved and that the funds would be released to my Lawyer who was the original sender of the wire so that he may re-distribute the funds to me which would take 5-7 business days to be released. Funds were not released, and nothing transpired till XX/XX/XXXX, CHASE NOTIFIED my lawyer that the funds were sent back to XXXXXXXX XXXX because the account that was affilated with the wire transfer was closed. 
I have asked for a confirmation number showing that the funds were sent back to XXXX XXXX, I have not recieved any information as of yet, CHASE is advising me to open a claim again XXXX XXXX for the missing funds, XXXX XXXX is asking for the XXXX CONFIRMATION OF FUNDS SENT. I need CHASE bank to show proof that money was indeed sent back to my XXXX XXXXL ACCOUNT.PLEASE ASSIST
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I have been contacted first saying and paying for one year {$1.00} so my loan would n't go into default. I 've called them on several occasions explaining to them that I am a single mother of XXXX but XXXX live with me the other is serving in the XXXX they say they will send me papers to help me with my student loan yet I never received anything. I receive medical food stamps and am on section 8 I have explained to them I am in financial hardship yet still I have n't received any paperwork from them all they do is keep charging interest it 's ridiculous.
Consumer complaint received 2016-11-11
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC. (CA)

In XX/XX/XXXX I was asked by my ex girlfriend at to time to cosign on her private loan for school through XXXX. At this time I also had a loan through XXXX for school that required a cosigner. Knowing this I told my ex-girlfriend that I would not be able to cosign for her and that she would have to try someone else. I assumed she had found someone else to cosign since she never brought it up to me again. around XX/XX/XXXX I started receiving letters in the mail from XXXX asking for my ex-girlfriends whereabouts. At the same time sallie mae was also sending tons of mail to my residence for her ( her previous residence at the time ). Then I began receiving letters from XXXX saying that as a cosigner to her loan it was my responsibility to make payments. Originally i thought it was some type of mistake and tried contacting my ex-girlfriend. At first she denied it and then started ignoring my calls. XXXX continued calling and sending letters to me so I asked to speak to someone about more information on the allegetly cosigned loan. I requested a copy of the loan agreement so that I could compare the signature but instead I was sent a typed up document with no signature. I asked again several times for a agreement with a signature but continued to get the same typed document. I then filed a claim with sallie mass loan department, completed all the necessary paperwork and waited on the result. I was told that my claim had been denied as fraud because the loan was signed by e-file and there was no actual signature. At the point i questioned the e-filing. I was told that the e-file was followed up with a phone interview. I told the lady from the fraud dept that I never received a phone interview. I then asked what kind of questions were asked in this interview. i was told it was questions similar to : my address, my place of employment, social security number etc. she then asked me to confirm the answers to those questions and then told me that my claim was not fraud because all the information given about my identity was true. ( i.e. my address, place of employment etc ). Outraged by her conclusion I asked " is n't that what identity fraud is? ". Then she asked me about the conversation I had with my ex girlfriend when she asked about the loan. Then she told me that i did n't say " no i 'm not signing it '' so i did n't say no. I do n't understand how saying I 'm not able to sign your loan is any different and it does n't matter what I said, i never gave her permission to cosign me for anything. Having no luck with the fraud dept I gave up on fighting the issue. Some time after that my exgirlfriend called me to apologize for the incident. I asked her to call sallie mea and correct the problem but she never did. I assume since then she has been paying her bill but has stopped so now they are calling me again.
Consumer complaint received 2017-10-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery XXXX XXXX,2012 Amount : {$XXXX} I 've disputed with portfolio recovery with XXXX they failed to remove my account. I do not have a signed contract with Portfolio Recovery Associates this account is invalid. Please remove this account. I have never done business with them.
Consumer complaint received 2016-09-14
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NJ)

I speak with Naient multiple times a week regarding lowering my student loan payments. They will not work with me, I can not pay the full amount but I can make a smaller payment. They have spoken to me condescendingly and become nasty with me. They call repeatedly throughout the day and they have contacted friends and family even though I willingly make contact with them and speak to them regarding my current situation.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK (MD)

Around XX/XX/XXXX, we purchased XXXX sim card to use on our wireless hotspot for internet, and after receipt of the sim card, we had a difficulty to activate the card to use internet. So around XX/XX/XXXX, we sent an email to the merchant to get their technical support. While we were waiting for the technical support, on XX/XX/XXXX, we ordered another sim card expecting a new sim card would work without any problem. 

However, the second sim card also had problem activating the service, so we immediately sent another emails to request their technical support. However after several attempts, XXXX had never called back nor provided the proper support to activate the sim cards. Since they never responded to our repeated support requests, we returned both sim cards back to the merchant since there is a refund policy for the non-activated device. 

However, even though those two sim cards had never been activated and successfully returned back to the merchant on XX/XX/XXXX, XXXX kept charging their monthly service as follows ; XX/XX/XXXX {$65.00} XX/XX/XXXX {$65.00} XX/XX/XXXX {$86.00} XX/XX/XXXX {$110.00} XX/XX/XXXX {$110.00} After waiting for several months of their refunds to be processed, we did not see the expected refunds for this non-activated sim card, so we opened the credit card dispute with Discover claim service representative. After almost two-months investigating along with merchant 's responses and our request to re-open the dispute, Discover has closed the case indicating that those transactions found to be valid. So we contacted the claim department again on the phone explaining that XXXX had never answered to my repeated support requests nor returned sim card from the return support, but Discover claim representative asked me to send them the merchant refund policy. So we found the XXXX refund policy that clearly indicating that they would refund on the non-activated devices, and send a copy to the claim department to re-open the dispute case, but Discover card claim department said they had already taken the policy into consideration when they closed the case. 

This doesn't make any sense as I had all I could do to get the merchant technical support to activate the sim card, but simply they stopped responded, so I had to return those non-working sim cards. I was kept charged for the service that I've never received simply because the merchant had not provided support. Activation of sim card is under the XXXX control, so all I could do is to get their technical support in order for us to get their service.
Consumer complaint received 2017-02-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

i have been fighting with bank of america for over 3 1/2 years now and they are playing silly games!!! I recently filed a complaint with CFPB about 10 days ago, and i got a response from CFPB that the bank said i should call them to make a report of fraud, well i had already done this in XXXX XXXX, but i figure id try it again, after 10 phone calls i finally was transferred 5 times through all departments [ 45 mins ] to get to the fraud department, and they told me the same thing!!!!!! as XXXX XXXX, AFTER ANSWERING ALL THEIR SECURITY QUESTIONS THEY WANTED TO KNOW MY DEBIT CARD NUMBER FROM XXXX OR WOULD NOT PROCESS ANY CLAIM!!! THIS IS TOTALLY STUPID BEYOND MY BELIEF,!!! THEY SAY BECAUSE IT IS A FAILURE TO PROVIDE INFORMATION REQUESTED THEY WILL NOT PROCESS A CLAIM FOR FRAUD??!!! THIS IS CLEARLY CRIMINAL,!!! so lets take a look at this FRAUD, there was a debit purchase made in XXXX XXXX at " the battery shop '' for XXXX at that time the account was closed with a zero balance, how could a debit occur when there was a zero balance?? they can not answer, furthermore ive been a mechanic all my live and drive a XXXX truck, WHO IN THEIR RIGHT MIND BUYS A XXXX $ $ BATTERY?? not even XXXX, ive sent them a letter asking for validation of debt and CEASE AND DESIST, and they send me back a statement, a statement proves NOTHING!! ive called over 50 times over the past years to experience manipulative un-coroperative, criminal behavior, its a discrace!! furthermore they are in NUMEROUS VIOLATIONS OF FDCPA!!! alledged debt reported inaccuratly, defamation of character, many disputes by me and they fail to show validation, they refuse to correct false information, they still continue to report an unvalidated debt, heres about XXXX $ $ in violations, FURTHERMORE THIS ALLEGED DEBT IS PAST 7 YEARS OLD EFFECTIVE XXXX/XXXX/XXXX!!! AND THEY OWE FINES FOR THAT TOO!! THIS BANK OF AMERICA IS NOTHING LESS THAN XXXX CRIMINALS, THEY HAVE ABSOLUTELY NO RESPECT FOR THE LAW OR ANYBODY 'S RIGHTS, THEY ARE TOTALLY WITHIN THE WRONG!!! VERY UNPROFESSIONAL AND NEGLECTFUL IN ALL ASPECTS OF MORALITY AND COMMUNICATION TOTALLY XXXX!!!!! i can go on and on and on, the total XXXX when you call them how many times they play their silly word games and transfer the line when a problem so simple could be solved so easily, they still REFUSE to cooperate and play games & gt ; & gt ; just like the criminals they are!! so can anyone tell me why after 7 years theyre still reporting an alleged debt??, WHY BANK OF AMERICA IS IN MY LIFE WITH NO VALID CONTRACT?? PLEASE EXPLAIN THIS TO ME, bank of america at least should have been out of my life with this frivolous sh-t on XXXX/XXXX/XXXX and they are over 2 months PAST DUE, so they owe me for that violation also, i will continue to complain untill they are gone!!! so to the CFPB, i did call them and try to resolve this matter 4 days ago and they drove me NUTS on the phone and kept requiring me to give them a debit card # from XXXX, this is totally XXXX, nonsence!!!
Consumer complaint received 2017-01-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (PA)

my Morgage company ( XXXX ) changed service company to Roundpoint morgage services company. The electronics payments still went to the former service agent for three payments. XXXX and there agent were listing me as default, and charging me late fees and threatening foreclosure. I worked with my Bank, proved that all the payments were made after 7 phone calls and two years with promises to correct this, and the fact the the prior servicing agent sent two of the three payments to Roundpoint, and the fact that I have reconciled receipts, they are still charging me late fees, and not crediting the third payment.
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On Tuesday, XX/XX/2024 at XXXX I received an email from a Capital One Bank Representative named XXXX XXXX informing me : Were restricting your Capital One account ( s ) until we can verify your recent account activity. Based on the results of our review, your account ( s ) may be closed and your balanceplus all interest earnedwill be transferred to your externally linked checking account. If you dont have an externally linked checking account or if the account linked is no longer open, a check will be mailed within 7-10 business days to the address on file. 

Not believing the veracity of this email, I checked mobile banking to see a message indicating Your funds are currently not available for withdrawal. Please call us at XXXX. 

I called the number and spoke to a representative named XXXX who advised that my checking account, which receives my payroll deposits, has been restricted and will be closed due to an internal review. This has left me in a state of dismay, as I rely on this account to pay for my mortgage and household bills. What troubles me even more is the lack of communication and transparency from the investigations team at the bank. I have been provided with no phone number or email to contact them, and it seems that any communication is only one-way. This has only added to my frustration and confusion. 

At the local branch, XXXX XXXX XXXX, XXXX, attempted to make up for the poor customer service and communication to this point and at least showed some humanity and sensitivity, even though limited in her ability to provide information. I was promised a call from the Branch Manager, only to call back at XXXX to hear XXXX XXXX XXXX is not in. I take the allegation of fraud seriously, as a XXXX, an XXXX, and XXXX XXXX in my profession. So much of what will be a misunderstanding could have been prevented with appropriate outreach and communication.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (VA)

Late last year, I decided to take action to reduce my credit card debt and shopped for a good balance transfer card option on XXXXXXXX XXXX website. I was matched with a Citi Diamond Preferred card ( https : //www.citi.comXXXX XXXX XXXX XXXX XXXX XXXX ). 

I applied and was accepted. Upon receipt of the card, I called to ask about the balance transfer and was told I had to wait 30 days and to call back. I started a new job and it was the holidays I just now got back to calling them back to get that process underway. 

I am now told the offer is no longer available and expired. I can no longer do a balance transfer on my new credit card because had I clicked on the superscript 1 on the link and scrolled down the pages to the fine print it would have told me that. Of course, when I initially called to do this, I was not told I had to call back within a specific timeframe. 

Their answer was to apply for ANOTHER new credit card. I don't want another credit card. I only got this card to try to manage my credit better and applying for yet another card is a step in the wrong direction.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (AZ)

I have a Barclays card and paid off a balance in full on my last statement of {$2800.00}. The next month I got a bill ( statement ) for {$10.00} for interest even though I had no charges and my bill was previously paid off in full. This is the second time this has happened and I had to call and speak to a supervisor to get it removed. The employees said they were just following company rules and had no choice in the matter. They explained that the company still charges interest on the same day of the month ( I believe it was the XXXX ) but I paid my bill way before it was due. No other credit card company does this. Only Barclays. Needless to say, I canceled my card and demanded that they take off the bogus interest charge because I will not pay it anyway. This is fraud and is totally wrong and unethical. They are making money off of bills that have been paid off. I have a copy of my statement if you need it.
Consumer complaint received 2020-06-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF ED/XXXX/XXXX, Company Inquiries : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX  XXXXXXXX XXXX XXXX
Consumer complaint received 2017-08-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (MD)

AFNI is trying to collect a debt that I owed XXXX XXXX XXXX from XX/XX/XXXX for {$500.00}. I had paid {$100.00} on the debt right before XXXX XXXX XXXX sent it to collection. They told me they had the right to tack on {$100.00}. At that point I decided not to pay because of this action by XXXX XXXX XXXX. It should be off my credit report by now but AFNI has it dated as from XX/XX/XXXX. I read that this is a tactic AFNI uses
Consumer complaint received 2016-08-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (MN)

We have been unable to obtain a copy of an appraisal from XX/XX/XXXX. We were charged {$600.00} for an appraisal to remove the PMI from our loan. My wife and I have made numerous requests for a copy of that appraisal. Instead we have been sent the appraisal from when we first purchased our home in XX/XX/XXXX. I would like to be faxed or emailed a copy of the appraisal we purchased from XX/XX/XXXX.
Consumer complaint received 2024-02-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: AmeriHome Mortgage Company, LLC (GA)

XXXX, XXXX, XXXX : Please refer to Affidavit of Demand for Verification of Debt Uploaded here in CFPB. 
On XX/XX/2024 AMERIHOME MORTGAGE COMPANY , LLC were sent by way of USPS Certified Mail containing an Affidavit of Demand for Verification of Debt, but have Dishonored my wishes. 

Authorities, Maxims of Law : 1. IN COMMERCE FOR A MATTER TO BE RESOLVED MUST BE EXPRESSED.

2. ALL ARE EQUAL UNDER THE LAW.

3. IN COMMERCE TRUTH IS SOVEREIGN.

4. TRUTH IS EXPRESSED IN THE FORM OF AN AFFIDAVIT.

5. AN UNREBUTTED AFFIDAVIT STANDS AS TRUTH IN COMMERCE.

6. AN UNREBUTTED AFFIDAVIT BECOMES THE JUDGEMENT IN COMMERCE.

7. Legal Maxim : He who does not deny, admits.

8. Legal Maxim : A claim not contested stands true.

9. Legal Maxim : A claim brought in law that is not contested or rebutted, then stands true. Hence silence to a controversy is considered consent to any judgement.

Also see : Title 18 USC 876, 872, 875, 1341, 1346 ....