davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CarMax, Inc. (FL)

My name is XXXX XXXX, and I recently refinanced my XXXX XXXX XXXX ( VIN : XXXX ) through XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX, OH XXXX. 
ACCOUNT # XXXX Their story is that they mailed a payoff to XXXX XXXX XXXX, but CarMax will not tell me anything about it, saying they have not received it. Their phone operator and the literature from both CarMax and XXXX XXXX indicate that the process could take up to several weeks, which is absurd. I believe that CarMax is delaying the process in order to collect more interest on the loan before actually doing the payoff. It simply does not take longer than about three days for a first class letter to go anywhere. Essentially, I think CarMax is stealing my money every day they do not process the payoff.

My CarMax Account number is : XXXX I believe I have spoken with the Georgia office : : XXXX XXXX XXXX Attn :  Customer Service XXXX  XXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2018-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I would like to have a bankruptcy remove off my credit. I have contact the federal courts about the bankruptcy which they sent me a letter stating that they do not provide information with reporting agency and the reporting agency has went through a third party XXXX XXXX to obtain information which is incorrect.
Consumer complaint received 2018-07-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: SUNTRUST BANKS, INC. (AR)

This was a secured credit card where i upload money to use. with unexpected fees some how i owe on a secured card and they reported this to my credit report. 

Can this error be remove from my report? I'm looking for a resident and this is affecting my move. 

Thank you
Consumer complaint received 2018-01-04
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: EQUIFAX, INC. (NV)

Went to XXXX Dealership inquire on car to test drive. However I told dealer multiple times to please do not pull credit, I only want to test drive. Dealer pulled credit anyways. I also told them I would Not be financing through them and not put application through however the financed car anyways. Not sure through what lender. Lender called me as I also told them I wouldn't be financing through them and do not proceed with process. As I pulled my XXXX XXXX report I see inquires for that day from . I didn't authorize any of those lenders to pull my credit. Not sure how they got my information .  XXXX XXXX XXXXXXXX XXXX, MIXXXX(XXXX) XXXXXXXX XXXX XXXXXXXX, MNXXXX(XXXX) XXXXXXXX XXXXXXXX XXXX, NVXXXX(XXXX) XXXXXXXX XXXXXXXX, RIXXXX(XXXX) XXXXXXXXXXXX, TXXXXX(XXXX) XXXX
Consumer complaint received 2018-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (GA)

We purchased a home in XX/XX/XXXX. Shortly after, our original mortgage company sold our mortgage to Dovenmuhle. Our first payment to Dovenmuhle was in XX/XX/XXXX. We have an escrow account with Dovenmuhle. Our property tax bills for XX/XX/XXXX were sent out in XX/XX/XXXX. XXXX county taxes were due XX/XX/XXXX and were paid by Dovenmuhle from our escrow account on XX/XX/XXXX. Our City of XXXX taxes were due XX/XX/XXXX. However, these were not paid until XX/XX/XXXX. An interest penalty for late payment was applied and I reached out via phone to Dovenmuhle on XX/XX/XXXX to inquire and understand what occurred. They gave me instructions on how to request a reimbursement and I sent that correspondence on XX/XX/XXXX requesting a reimbursement to our escrow account for {$94.00} ( the total amount ended up being {$94.00} of interest accrued, this can be confirmed with the XXXX County ( Georgia ) Tax Commissioner office ). 

Dovenmuhle 's response to my email inquiry requesting reimbursement into our escrow account included the following : " Please not that you will not be reimbursed for the penalty tax amounts as we did not disburse these funds from your escrow account as they should have been paid prior to the service transfer of your loan. '' How could my original mortgage company have paid a bill which did not exist until XX/XX/XXXX? That is 3 months after Dovenmuhle bought our mortgage from our original mortgage company.
Consumer complaint received 2018-07-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Jormandy, LLC (VA)

I had an old loan 8+ years old with XXXX XXXX . The account went to a repossession due. They would call my job, and family members constantly on a daily basis, even though I told them I could not receive calls at work. I also told them that my Family has nothing to do with the debt and to stop calling them. Approximately 1 year ago, I received information in the mail that XXXX was in a class action lawsuit due to violating the FDCPA and FCRA for calling me and thousands of other clients excessively. The were notified by the US District court to cancel all debts for clients included in the class action against them for excessive robo calling. What they decided to do instaed of following the courts ruling was to sell the illegal debt to a collection Attorney by the name of Jormandy at XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX, VA XXXX. Ph # XXXX. I told them the debt was noncollectable due to the courts order, but they ignored me and obtained a garnishment against me anyway. This is 100 % illegal, and I have found out on the internet that XXXX and this company have done this to who knows how many people. They have no legal right selling debts that the curt mandated are noncollectable. I want my money back and this off of my credit asap.
Consumer complaint received 2018-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (IL)

I had an account with XXXX that went to collections. The amount was {$200.00}. I did end up paying the total balance off. Yet it still shows on my credit score as not paid for. Ive called them 3 times and have asked to give me a letter of deletion but they wont.
Consumer complaint received 2018-07-19
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. (GA)

I would like to have a bankruptcy remove off my credit. I have contact the federal courts about the bankruptcy which they sent me a letter stating that they do not provide information with reporting agency and the reporting agency has went through a third party XXXX XXXX to obtain information which is incorrect.
Consumer complaint received 2018-07-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (MA)

XX/XX/2018 {$270.00} The charge was placed on my card without my authorization. I traded in a perfectly functioning XXXX XXXX for an upgrade to a XXXX  XXXX. XXXX is stating the phone was damaged and back charged me {$270.00}. This is not possible. I had [ aid for  insurance through XXXX. If the phone were damaged I would have used my insurance to have it repaired. XXXX not only stole my money for phone insurance but stole an additional {$270.00} for the trade in of the phone. I am filing a complaint with the CFPB. I have disputed this item multiple times. XXXX has offered to investigate and is unresponsive.
Consumer complaint received 2018-07-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TN)

I was unemployed due to medical reasons in the past and my federal loan provider only offered Deferments and Forbearance 's. They only gave me the option for an Income driven plan after I ran out of Deferment 's and Forbearance 's. I FEEL like I was intentionally led to the wrong options at the time causing the interest on my loans to escalate to a ridiculous amount. The dates are from XX/XX/XXXX to XXXX. 
The amount is XXXX. No actions have been taken.
Consumer complaint received 2018-01-04
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NJ)

I had a quote done in XX/XX/XXXX with Home Depot and XXXX XXXX XXXX to get my floors done. In XX/XX/XXXX I finally had them to come in and before they touched anything they told me that I have to pay an additional {$6200.00} to have the tiles removed. I told them that I did n't have that kind of money and they preceded to say if I did n't do it they would n't do the floors at all and would n't be responsible for anything that would happen if something was to go wrong. Out of desperation since the materials were already in my home I agreed to this extra {$6200.00} being added to my credit card to remove my tiles and complete the job. After the tiles were removed they said they needed to speak to me and requested an additional {$4000.00} to put the floors down I told them no this is ridiculous everytime you get ready to proceed with the next part of the job I 'm getting charged additional money and I 'm not giving you anymore money. They then left me with no floors for 3 months since I would n't agree to another new spur of the moment charge to my credit card. After I cursed, screamed and yelled at the store for all of those months I finally met a big boss who said that Home Depot would cover the charges. They also damaged my furniture but gave me money to get it repaired. They did n't do the job the right way and have n't fixed it yet and also due to the extra charge my credit card bill is constantly changing and I ca n't afford it I live alone and I ca n't pay this high monthly bill on my own. Please help me!
Consumer complaint received 2018-02-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I have two specific problems with Navient : 1. Navient received a payment from my refinancing company on XX/XX/. The company overpaid the loan, resulting in a negative balance. So far, Navient refuses to release the {$220.00} back to me. I requested payment within 30 days, as our loan agreement states payments are made every 30 days. I don't see anywhere that they excluded themselves from that role. I have to pay them every 30 days, so where's the same courtesy for me? 
I request that Navient release the funds immediately. 
PS - I am currently in the process of refinancing another loan out of Navient, since they've been a terrible lender and interest rates are rising quickly. If they can not pay any over-payment within 30 days, I'll be back here again. 

2. I am considering suing Navient in New York Small Claims court for the balance they refuse to provide. I requested from several customer service associates via emails, as well as with their Customer Advocate, that they give me an address where I can serve them. Everyone has refused to dodged the question. Customer Advocate said they'd get back to me this week, after stalling for one week already. So far, I've heard nothing. 
Please request that Navient give me the address where they can be served legal notices.
Consumer complaint received 2018-02-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (IL)

I have been using Coinbase for 7-8 months now, and have had no issues. In XXXX, I wanted to withdraw my funds from the " Vaults '' that I had created in Coinbase. I have about {$3000.00} worth of digital currencies sitting in Coinbase and I felt like it was a good time to take the funds out of a public exchange. 

However, I realized that I don't have access to the secondary email account that I needed to use in order to confirm the withdrawal. I have opened multiple support cases, and the last time I heard back on XX/XX/XXXX ( writing this on XX/XX/ ) I was told that a specialist was on the case and that I'd hear back soon. They have since stopped responding to support emails and their phone support never seems to be able to answer the phone. I saw on XXXX that this was a good place to turn as a last resort. 

Main support case is Case # XXXX but I have also opened Case # XXXX
Consumer complaint received 2018-02-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

On XXXX the XXXX I tried to move from my wallet into a exchanger and it said 72 hours waiting time. Somehow i thought maybe the vault will be faster ( XXXX  me ) I havent used the Coinbase account for more than 3 years and my secondary e-mail address doesn't work anymore. Tried it and it bounced. I contacted support via the phone number listed on there XXXX Waited for 50+ mins calling from the XXXX.. Got someone on the line and they said they moved my case to another expert team for this and they would move my coins back to my wallet and they would delete my vault. Now more than a month later no answer what so ever.. the reply on my ticket says " I have just forwarded your case to our subject matter experts who can help. They will get back to you shortly. '' Define shortly ... Not happy about this!
Consumer complaint received 2018-01-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (UT)

I borrowed {$750.00}. in XXXX XXXX. Repayment amount was not disclosed. Money placed in checking account 3 days later. First month repayment, XXXX XXXX, XXXX, {$240.00}, remaining balance over {$1000.00}. Next installment {$240.00}. With remaining balance over {$1000.00}. Payments increase as does amounts owed. Decline in principal is offset by increase in fees or " interest. '' No montly payment listed for loan amount when signed up. Never ending cycle. No customer service available.
Consumer complaint received 2018-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (FL)

I was enrolled in the disaster forvearance program due to be unable to pay my morgage. The progam ended on XX/XX/XXXX. During the period of the forvearance, i started the process for a disaster modification loan. I spoke with a representative in XX/XX/XXXX to check the status and she said that i will receive a letter with info about the amount and next steps. The representative told me that she knew for sure that the due date for my first trial payment of the Disaster modification was XX/XX/XXXX and that it will be less than my current morgage payment. I waited until XX/XX/XXXX, and with fear that i will miss the opportunity for the modification, i made a payment of {$820.00}, being that amount a little bit greater than my current mortgage. I received a letter XX/XX/XXXX stating that I was approved for the loan modification, and that the amount to pay was {$810.00}. I call XX/XX/2018 to confirm the payment that i made online and the representative told me that they had distributed the funds towards XXXX payment. I told the representative that the intent of the payment was for my first trail payment and explain that since a knew the due date but not the amount, that was the reason it was made for {$820.00} instead of {$810.00}. The representative told me that it was ok and he will submit a request so the fund were redirect to the trail payment. I never heard back from them until XX/XX/XXXX when i received a letter stating that my first payment was not received. I call and talk to a representative, and explain to her that i did in fact my my 1st trail payment and was ready to do my 2nd one. She said that they can't accept my 2nd payment because i did not made my first one. She told me that she will submit a request and i should follow up within 25 to 48 hours. I call 48 hours later and explained my situation to the representative, then was transferred, then transferred again until a representative told me that she had spoke with her supervisor and that they will make a request and accept my 2nd trail payment. Received a letter XX/XX/XXXX confirming the payment posted XX/XX/XXXX. XX/XX/XXXX received a call stating that i have not made my 2nd payment. I explained the situation and i was told that the payment iform XX/XX/XXXX was posted as my first  one. I told them this is my 2nd payment. That the first XXXX was for {$820.00} onXX/XX/XXXX, the 2nd one on XX/XX/XXXX and my third i have not done it because is due XX/XX/XXXX. They said that the only thing to do is submit a request for the payment in XX/XX/XXXX. This is been an outgoing problem and every representative is telling me that they will fix it they will fix it that everything is okay when in reality I receiving letters and calls saying that I'm not making my payments. This is not letting me focus in my work and keeps me strees at my home.
Consumer complaint received 2018-02-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Worldwide Processing Group, LLC (CA)

A phantom debt collection agency called Forward Movement Recovery called me today stating that they wanted to get information. They asked me to verify my social security number, and I asked them who they were and if they had a professional license to practice debt collection in the state of Arizona. They refused to provide the license # or give any more information about themselves. After doing research it seems like their parent organization is called World Wide Processing Group, LLC - http : //worldwideprocessinggroup.info/index.html is their website. Numerous search results online state this is phantom debt, scams, etc. I am reporting this company because they stated that they are going to arrest me, and also stated that I owed money on a debt that has already been disputed for identity theft, and was taken off of my credit report because of this. They have called me 9+ times today after I told them to stop calling me.
Consumer complaint received 2018-02-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OZK (GA)

Hello, This note is regarding my attempts to collect payment from either Bank of the Ozarks, or XXXX XXXX XXXXXXXX XXXX   in the amount of XXXX . I am attempting to collect a refund because payments were made to closed accounts for a period of 6 months. The accounts in question had services and ownership transferred on XX/XX/ and 6 payments in the amount of XXXX $ were paid after that time. To summarize : 1. Bank of the Ozarks was the lienholder of my car note and provided loan servicing prior to XX/XX/. Automatic Bill Pay from my XXXX XXXX Checking account was set up with Bank of the Ozarks prior to the transfer of the loan servicing on this date. 

2. According to a Bank of the Ozarks internal memo ( attached ), servicing on the loan was transferred to XXXX XXXX XXXX, XXXX. on XX/XX/. XXXX XXXX XXXX, acquired by Bank of the Ozarks through merger, maintained the lien according to the attached memo. I was never made aware of this transfer of loan servicing prior to collections call from XXXX XXXX XXXX in mid-XXXX. I proceeded to make the monthly payment to Bank of the Ozarks. 

3. After the collection call from XXXX XXXX XXXX, I grew frustrated with the fact that my loan servicing had been transferred multiple times in the past two years. I requested refinancing of the vehicle through XXXX XXXX XXXX XXXX on XX/XX/. XXXX XXXX check to purchase the lien was cashed on XX/XX/. The lien was transferred in XXXX to my understanding. 

4. Through an oversight of my own, automatic payments were still made to Bank of the Ozarks from XXXX to XXXX. I cancelled the automatic bill pay in XXXX upon learning of this discrepancy. 

5. In XXXX, I began attempts to collect the funds that were paid into the closed account. I was told on the phone by Bank of the Ozarks customer service that the funds were forwarded to XXXX XXXX XXXX. Over the course of the following weeks, I was told via phone by XXXX XXXX XXXX ( XXXX ) that they did not have me in their system. On one occasion in mid-XXXX, one person at XXXX finally stated that a check would be issued to me and would arrive the next week. That check was never received despite me confirming my address on that call. 

6. Today, I once again was told via a phone call with a XXXX representative that they would request authorization to refund the amount to me. Due to the history in this case, I feel I have reason to doubt that this will occur. However, it also concerns me that Bank of the Ozarks has been unable to produce documentation of fund transfer to XXXX despite my requests to provide such evidence. 

It is my belief that Bank of the Ozarks has cashed my checks into an account that they knew was closed. It makes no sense to me why they would forward funds to a third-party agency, when Bank of the Ozarks held the lien, either directly or through an acquired bank, during this period. I seek a refund of these payments in the amount of XXXX. I seek this payment from either Bank of the Ozarks, or XXXX XXXX XXXX. 

Thank you.
Consumer complaint received 2018-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY (MI)

American Express Blue Cash Everyday card was opened in my wife 's name and an extra card was requested in my name. Instead of opening one account as we thought we were American Express was actually opening two separate credit accounts. They did this under the guise of it being one account but it clearly was not. This is fraudulent behavior on par with what XXXX XXXX did.
Consumer complaint received 2018-03-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (AZ)

This is the second complaint I have filed about Wells Fargo 's online banking system. I use Wells Fargo only to pay my private student loans. Their online system will not allow you to schedule a payment for a future date. I believe this system was created with the intention of keeping people in debt for longer than necessary. No other online banking or loan system that I use prohibits customers from scheduling payments in advance. 

The last time I complained, my online account - which again, I only use to pay my student loans - showed a record of someone applying to refinance a mortgage online via my name. I did not do this. I called and asked for more information about how to protect myself from fraud, but was told to just change my online user name. Their fraud department did not take this seriously and said they could not see the transaction on their end. I am still fearful that my account has been used for fraudulent purposes.