davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (GA)

I received an unexpected recount of XXXX XXXX counts on XX/XX/XXXX that I do not fully understand. The date of my estimated eligibility for XXXX is now further in the future and instead of having 2 estimated dates for forgiveness, I now unexpectedly have 3 estimated dates for forgiveness when I believe nothing has changed on my account since I was last informed of my estimated dates for XXXX forgiveness back in XX/XX/XXXX. 

For example, in XX/XX/XXXX, a letter indicated that I made XXXX XXXX  Eligible Payments or XXXX XXXX Qualifying Payments on Loan Sequence 1, giving me an estimated XXXX eligibility date of XX/XX/XXXX. In XX/XX/XXXX, I received a letter indicating that I made XXXX PSLF Eligible Payments or XXXX XXXX XXXXualifying Payments ( both of which indicate a higher number of payments being applied/eligible to be towards XXXX ). Despite the fact my payment count is higher, my new estimated eligibility date is XXXX/XXXX, 6 months later than the letter originally sent in XX/XX/XXXX. This does not make sense - making additional qualifying payments towards XXXX should not push the estimated forgiveness date further into the future. 

The same issue affects every loan sequence. Loan sequences with an original estimated eligibility date of XX/XX/XXXX now list an eligibility date of XXXX/XXXX, with the exception of several cases ( loan sequences XXXX, XXXX, and XXXX ) originally listing an estimated eligibility date of XX/XX/XXXX, but now listing an eligibility date of XXXX/XXXX ( instead of XXXX/XXXX like the change made to the loan sequences 1 and 2 originally with an estimated eligibility date of XX/XX/XXXX back in XX/XX/XXXX ). Loan sequences with an original estimated eligibility date of XXXX/XXXX, now list an eligibility date of XXXX/XXXX. This does not make sense. I do not understand why my XXXX eligibility is being pushed further into the future when my payment count has been increasing. Additionally, I do not understand why Loan Sequences 6, 8, and 10 now differ from Loan Sequences 1 and 2 when they previously did not differ. 

I would like an explanation as to why a ) my estimated dates for XXXX forgiveness are now further in the future and b ) why the estimated dates for forgiveness now differ between loan sequences 1, 2 vs. loan sequences 6, 8, 10, when there was no difference between these two groups in XX/XX/XXXX.
Consumer complaint received 2021-07-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Claim Number : XXXX I have multiple transactions showing up on my bank statement as " XXXX. '' The transactions total about XXXX. -- - On XX/XX/2021, I contacted Wells Fargo and informed them that the charges were not authorized by me and that I have never had any dealings with XXXX. They informed me that they would get back to me within 2-10 business days. -- - On XX/XX/2021, I received an email from Wells Fargo informing me that the claim had been completed and a letter detailing the resolution would be mailed to my home address. -- - Immediately upon receiving the email, I contacted Wells Fargo to obtain more information regarding the resolution of my claim. I was then informed by an agent of Wells Fargo that my claim was denied ; however, she did not have any more information regarding the claim available to her and that I should wait for the letter in the mail. After repeatedly requesting to speak to someone " immediately '' regarding the issue, the agent transferred my call to the Claims Resolution Department. -- - The Claims Resolution Department representative informed me that my case was closed and that the reasoning for the denial was " previous transactions with XXXXXXXX, '' which I presume is the business behind the " XXXX  '' transactions at issue. -- - I then informed the representative that at the time of opening my claim with Wells Fargo, I informed the representative who opened my claim that I had " never transacted with XXXX  '' and I did not use any XXXX I further informed the representative that I informed the representative that opened my claim that I never transacted with XXXX  and that this information was stated on a recorded line for them to review. -- - Simply put, there are unauthorized fraudulent transactions on my account from sources that I have never personally transacted with. If there are prior transactions that are not included in my claim, the proper action for Wells Fargo to take is to include those transactions in my claim since I stated that I never transacted with these entities. -- - Instead, Wells Fargo denied and closed my claim. This is outrageous and despicable that over XXXX dollars can be taken from my account by unauthorized transactions and Wells Fargo could somehow close this claim without even speaking to me or asking any follow-up questions for over 10 calendar days before simply sending an email and denying my claim. -- - I would like my XXXX back immediately and also any other funds that were lost by " XXXX  '' transactions. -- - Please assist me in recovering my funds from Wells Fargo who is supposed to have an obligation to not hold me accountable for fraudulent transactions. -- -
Consumer complaint received 2022-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (MS)

I applied for a credit card account, and received a letter ( see attachment ), stating they can not verify the information in my application and to call a number to speak with a rep within 30 days or the application will not be considered. SO I called the number on the letter and got nothing, was not able to speak to anyone, and I still have no specific letter stating the reason ( s ) /explanation as to why the credit account has not been established as of today 's date XX/XX/2022, ( in accordance with the FCRA ). 

I have a right to know /receive a letter stating specific reason ( s ) why the account has or has not been set up. There is nothing wrong with my credit ( I have several other credit cards and all are current ). So there's no reason why the application should be denied. The letter says Citibank can not " Verify '' the info in my application, why is that? Opening a " secure credit card '' account with my " OWN Deposit '', is what I want to do.
Consumer complaint received 2022-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

After receiving a check in the mail in XX/XX/XXXX from Wells Fargo, in what appeared to be the amount of our mortgage, I contacted Wells Fargo customer service for an explanation. I was informed that this loan was transferred to XXXX XXXX XXXX and a welcome letter was mailed to the address listed on the mortgage in XX/XX/XXXX. The check was for the XXXX payment. I informed customer service that no one had been at this address since XXXX when we moved my father to an Assisted Living Facility. I inquired why this, or any other communication from Wells Fargo had not been provided to me, as in XXXX they had been provided both a POA and Quit Claim Deed transferring this property to myself and my brother. The customer service representative was unable to provide and answer, however agreed to email me the welcome letter on XX/XX/XXXX. Upon receipt of the email, I contacted XXXX to set up automatic mortgage payments and was informed that they were unable to speak with me as my name was not on the mortgage, nor did they possess the POA or Quit Claim Deed which clearly should have been provided when the loan was transferred. After providing these documents to XXXX and requesting removal of a Cease-and-Desist order placed on the account ( which I am at a complete loss as to why one was placed on the account to begin with ), did XXXX agree to speak to me, at which time I was informed the loan had been placed in foreclosure and they further provided me a Reinstatement Quote which included past due fees, etc. 

We are at a complete loss as to why this mortgage was placed in foreclosure as it had been paid as agreed every month. If there had been revisions to the note, a transfer, etc. Wells Fargo should have communicated this to me, not randomly sending correspondence to an address which was vacant. We should not have been responsible for this loan going into foreclosure, nor should we have been subject to any fees or costs incurred. We should not have been penalized for Wells Fargos negligence in providing notice to all parties of record. 

As a result of this negligence, and our futile attempts for months to resolve this matter with XXXX, we were forced to pay over {$10000.00} in reinstatement fees.
Consumer complaint received 2020-10-27
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: Experian Information Solutions Inc. (NC)

XX/XX/2020 around XXXX XXXX In regrades of my Experian credit report, XXXX  XXXX, XXXX  XXXX. This is for all the credit Reports Agencies. All three want me to pay to monitor my credit even though I have fraud protection, freeze being a victim of Identity theft I have started checking my credit report every month sometime twice a month I also check with my creditors, my score was on XXXX on XX/XX/2020 after I spoke about my credit the gentlemen wanted me to pay for an upgrade I had did that before I told him no. And the next day XX/XX/2020 my score was taken down by four points. And they also ask about Boost up your credit with paying your utilizes bills but they only work with certain credit union and mine is not one of them. Another time XXXX all the way back to XXXX score up then every time I call with my credit report they want me to pay money, so I am wondering do I have to pay the credit bureau to have good credit even though I am paying my creditors. then I was ask to pay money to upgrade for my protection over my credit my response was why should I continue paying Experian {$20.00} a month more to raise my credit score up {$19.00} per month for XXXX. XXXX  {$29.00} per month. Now the way the economy going paying a total of {$70.00} a month is that fair to you all. I am a XXXX  and I work very hard on my credit. Please stop lower my credit points for know reason.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: CITIBANK, N.A. (OR)

With every one of my credit cards I can get a XXXX  score. I can do this on their web site. 
With Best Buy, Home Depot and Sears I can not get a XXXX XXXX. I have called each company and I get one excuse after another. 
How can I get a FXXXX  score from Best Buy, Home Depot and Sears. 
Thank you.
Consumer complaint received 2021-05-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

On Monday, XX/XX/XXXX I contacted the Wells Fargo rewards department regarding a flight credit that I have due to a covid-19 trip cancellation. During this call, I was told that Wells Fargo did not have my correct birthdate on file and the rewards department would not speak to me or correct the issue. The manager XXXX I spoke with was incredibly rude, argumentative and kept speaking over me and then hung up on me. I then called back that same evening and spoke with the bankers escalation line who confirmed this was a bank error and dated back to XXXX. My complaint was forwarded to the executive office but they never contacted me, despite being told I would receive a call within two business days. I received a canned email stating the rewards department would not speak to me without an accurate birthday. 

Now here is my problem with that : 1. This company has had an incorrect birth date on my profile for almost a decade. According to your agent, the birth date was incorrectly added to my profile when I opened a team member checking and savings account while XXXX by Wells Fargo in XXXX 2. This company XXXX me with an incorrect birthday on my profile 3. This company gave me a checking and savings account without verifying my identity and my birth day 4. This company gave me a mortgage, and then later closed my mortgage, without verifying my identity and birth date. 
5. This company changed my profile from my maiden name to my married name without confirming my birthdate 6. This company opened a high limit credit card that is in regular use without confirming my birthdate. 
7. This company cashed in thousands of rewards points for a {$700.00} flight without confirming my identity via birthdate. 
8. This company opened and closed a second checking account without verifying my birth date. 

Ive spent 11 years as a customer with this company and for 11 years they have failed to identify their error. They have failed to confirm my identity for almost a decade while opening accounts and a mortgage. Then, when I identified their error for them, they failed to take ownership and address the issue. Their executive office responded with a canned answer of the rewards department requires you to confirm your birthday instead of addressing the true issue of years and years of Wells Fargo failing to adequately know your customer.
Consumer complaint received 2020-09-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: TradeStation Group, Inc. (CA)

I want to close my Tradestation account and liquidate my funds back to my checking account. Tradestation is not closing my contract with them. They wanted my driver license, which I provided. Then they wanted a selfie with me holding my driver license in which I do not feel comfortable doing due to privacy and data concerns. Nowhere in their terms of use and contract does it say that selfies are required. I am no longer wanting to do business with them and they are holding my money XXXX.
Consumer complaint received 2020-10-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

I have tried multiple times for Experian to verify these 3 credit card accounts from XXXX XXXX. I asked them to verify these 3 accounts. Each time they write back and said the account is verified. I have requested that I receive original documentation from these accounts and each time they do not verify the accounts, they refuse to look at my requests anymore. I started requesting this information back in XXXX of 2018 and have been since sending letters. Here are my USPS tracking number from that original time : Experian : XXXX I've also attached their investigation report as well. They did not do a full investigation. they checked e-Oscar and just stated it was validated. I am also requesting a paper copy investigation. I do not give consent for an electronic investigation. 

XXXX XXXX ACCOUNTS IN QUESTION Closed XXXX XXXX - # XXXX Closed XXXX  XXXX # XXXX Closed XXXX XXXX # XXXX
Consumer complaint received 2020-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MO)

Starting in XX/XX/XXXX on my American Express Corporate Credit Card I received a fee for {$54.00} which they called a Delinquency Charge on a prior balance. I continued using my employers software to submit my expense reports to pay off the balance i show to be owed to the account. In XX/XX/XXXX payments were received to settle the balance owed in the XXXX statement plus to cover most of the transactions that occurred during the billing cycle of XX/XX/XXXX. However, now i am charged a {$39.00} fee called " late fee for 30-day past due balance '' In XX/XX/XXXX my payments cover the expenses occurred, however another {$39.00} late fee is charged again to my account. I discontinued using my card in XX/XX/XXXX and have continued received a {$39.00} late fee every month until XX/XX/XXXX when my account has been turned over to collections. I have not received a statement from American Express nor any communication about these overdue balances. I have relied on my company system and I understand this is a corporate card, but as a consumer i am still personally responsible for this debt and would expect better communication as well an understanding of the continued {$39.00} late fee when no new events had occurred on the account for at least 6 months. My understanding of the credit card act is to protect consumers from abusive fees on fees. I believe i have been charged a {$39.00} late fee because i didn't pay the late fees. My transactions have all been paid and accounted for. I believed my account had a {$0.00} balance and had no indication from American Express otherwise until a letter was sent in XX/XX/XXXX. I expect to see all statements and communication that was sent to me to try to resolve the issue before it escalated to this point. Additionally, I expect all these late fees waived as payments had been received on the account during the billing cycles they were charged.
Consumer complaint received 2020-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IN)

I sold my home back in XX/XX/XXXX ; the mortgage company was Ditech, however they filed for bankruptcy and merged/transferred services over to Shellpoint Mortgage Servicing. On XX/XX/XXXX, my insurance company, XXXX, sent Ditech a check for the overage amount of my homeowner 's insurance ( totaling {$1900.00} ) which was to be credited to me. In a previous complain that I submitted to Ditech, they responded that they had forwarded the check to Shellpoint. 

As of XX/XX/XXXX I still have not received my overage payment from Shellpoint, despite having made multiple calls and submitting a written ( email ) request to the company. I contacted XXXX, who confirmed that someone at Shellpoint cashed the overage check on XX/XX/XXXX. Shellpoint took my homeowner 's insurance credit of nearly {$2000.00}, cashed the check, and have not sent any communication as to how they are going to send me my money. Despite all of my efforts, I can not get anyone at Shellpoint XXXX XXXX XXXX to determine who at their company stole my money, nor can I get any assistance as to how they are to fix the situation.
Consumer complaint received 2024-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IN)

I am wanting contact info for the omansbudsman group. I cant get any contact person to respond to. When I try to reply the email is undeliverable and there is no other way to contact them back. 
I have spoken to Mohela and student aid over 40 times since XXXX and still have received no help. 
I am trying to get information on my my loan balance on student aid shows I originally borrowed {$68000.00}. Ive only borrowed {$15000.00} for school and like {$4000.00} for private loans which have been paid off. Also they show I still owe {$25000.00} but I paid on that loan for years so there didnt no way its still {$25000.00}. My original loan servicer was XXXX XXXX and XXXX and the lied and misapplied payments and didnt give options for finicial hardship help paying loans. I should only have another year left in repayment under the IBR plan. Thats why I did the direct loan consolidation so they would count the years in repayment that navient screwed up on. But since I did the consolidation they still havent processed my IdR application. I should have been put on the IBR plan to begin with when the direct loan consolidation was approved. But for some reason, they still say they need to process it and cant process it yet. I dont understand how they can process the direct loan consolidation and approve it without processing the IDR application. So apparently they put me on the standard repayment plan while they try to process my IDR application. And once they process it, apparently theyll be able to backdate the IBR plan to the start of the direct loan consolidation. But after months of trying to get help, I realize Ive been being lied to you and given the runaround by Mohela so I cant trust anything they say I thought I could because I figured after all the issues with XXXX  that there wouldnt be any more issues with these loan services but they are no better at all. I am just lied to and given the runaround at every turn and given no Avenue to get help. At this point, Im not sure if I shouldve done a direct loan consolidation. I did that because I was told thats what I needed to do for my loans to get the recount on the years and repayment to be corrected since XXXX  did things wrong with my loans, but now I am wondering if that was not the right thing to do and if I was giving misinformation. and I cant trust anyone I talk to or even get a hold of anyone to help me thats supposed to like the ombudsman group. I am begging for someone to help me. I have followed all of the avenues. I was told to buy student aid.gov with submitting the complaints having them escalated to the ombudsman group, but they never amount to anything because I get a generic email, but I cant reply to it like it says to reply to you if I have any questions, I called around the contact information. Nobody has any. I have no option to get help anywhere. Thats why Im submitting a complaint here cause I dont know what to do.
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2020 I called Transunion due to inquiries that appeared on my credit report that I didn't authorize. I was instructed to contact the creditors directly and I was told that it was not Transunion 's responsibility to investigate or resolve my issue. On XX/XX/2020 I mailed a certified letter to Transunion requesting that someone investigate the inquiries on my credit report. I still have not received a response and it's almost XXXX.
Consumer complaint received 2020-09-19
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

Experian keeps reporting a account that was already removed once before. Some how this account has appeared back on my credit. 

XXXX XXXX XXXX XXXX Confirmation of removal # XXXX.