davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-01
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: MORGAN STANLEY & CO. LLC (OH)

I inherited an IRA and other accounts from my deceased parents in XXXX of XXXX. XXXX XXXX nor Morgan Stanley ever discussed the management fees with me. In XXXX of the same year I realized I was being charged 2 %, it appears as if my mother was being charged 1 % but when the accounts moved to me the rate was increased to 2 %. At this point I had received offers from other investment firms and called XXXX and he setup a face to face meeting on XXXX/XXXX/XXXX. In the meeting he said he was dropping my fee to 1 % so I agreed to stay with Morgan Stanley. 

Fast forward to about 3-4 weeks ago. In reviewing statements I was able to discern I was still being charged 2 %. I called XXXX he said he would research. A couple weeks later I called again after getting no reply, XXXX said there was some manual work involved to figure out exactly when the rate may have changed and that was the reason for the delay. He finally calls again Wednesday, XXXX XXXX. 

This call was especially disturbing. XXXX said he believe the rate changed back to 2 % when the portfolio balance dropped below $ XXXX. I told him we never discussed any such arrangement and the rate was to be 1 %. He follows by saying well going back and correcting it now will open me up to a IRS audit so he 's just going to move the rate back to as close to 1 % as he can to try and make up the difference. I of course respond that 1 % is the rate, was to be the rate, and I want the $ that I 'm owed. He goes on to say that there are .5 - .7 % additional management fees as well. I ask what he means, we never discussed anything of the sort, 1 % was to be the rate and be all inclusive. The call ended with me insisting he refund what he overcharged and him saying, well I 'll run the numbers both ways and show you. 

I feel robbed. I feel as if he is trying to intimidate me with the threat of an IRS audit to get around doing the right thing. I feel as if he 's trying to be a smooth talker but it 's very transparent his intention is to side step this error by manipulating me. Also, I asked another firm to look over my statements and have verified the rate never changed from 2 % to 1 % going all the way back to XXXX. 
Finally I hired an attorney who sent a demand for a response by XXXX/XXXX/XXXX. There was response.
Consumer complaint received 2016-12-01
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: CNG FINANCIAL CORPORATION (NE)

On XXXX, I received a call from the area code in which I reside. Individual on the phone insisted on verifying my personal information, address, ssn, date of birth. I asked who it was. The individual then transferred to a man named XXXX who then quickly stated that he was attempting to collect a debt on a payday loan associated with my ssn. He then stated all my personal information like name address and DOB. He cited the laws in my state that I was in violation of due to this payday loan initiated on an account that I have not had for 10 years. I asked him to send me verification of the debt. He sent me a word document to my current email and gave me XXXX hour to determine if I was going to make arrangements to pay the {$2000.00} loan or be taken to court. The document included their case ID number, the lender 's name, the amount they were willing to settle and a disclosure with a toll free number. I called the BBB and reviewed this information. They looked it up and could not verify a business name associated with the phone numbers or street address. I called him back after reviewing the document and requested XXXX more hour as I had an appointment. He said fine. In that time, I Googled the address, phone number and nothing came up. I called the BBB of my state and they suggested to request official documentation of the contract for the loan. They also stated I should inform him that I had contacted the FTC. I called back to XXXX at XXXX XXXX Services. Once I requested the information and stated to him I had contacted the BBB he informed me that he had done everything he could and he would have to file with the court. He also stated I was not smart enough to even read the phrase Better Business Bureau. I interjected and said I am requesting this information so I can verify and protect myself from fraud. He repeated his comments and stated he is not frauding me. He then proceeded to berate me some more at which point I hung up.
Consumer complaint received 2016-12-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BBVA FINANCIAL CORPORATION (AL)

My name is XXXX and I am a victim of Identity Theft. The thief made various fraudulent transactions or opened a fraudulent account with BBVA Compass Bank in my name. In accordance with section XXXX XXXX XXXX XXXX of the Fair Credit Reporting Act, XXXX U.S.C. XXXX ( XXXX XXXX, I am requesting BBVA Compass provide me copies of all business records relating to the the account identified above. This includes application records or screen prints of internet/phone applications, statements, invoices, and the full accounting history showing how the alleged amount was calculated.The federal law directs that they provide these documents at no charge, and without requiring a subpoena, within XXXX XXXX XXXX XXXX days of their receipt of this request. 

Additionally, I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Affidavit and police report. Because the information they are reporting is the result of identity theft, and does not reflect my activities, I am requesting that they stop reporting this information to the CRAs pursuant to section XXXX ( a ) ( XXXX ) ( B ) of the Fair Credit Reporting Act, XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ). Please investigate this matter and delete the disputed account as soon as possible. Please send me a letter documenting the actions you have taken to absolve me of any responsibility for the information I am disputing, which resulted from the identity theft. 

Should they find the disputed information to be inaccurate or incomplete, or they can not verify the accuracy or completeness of the disputed information, they are additionally required, under FCRA XXXX XXXX b ) ( XXXX ) ( XXXX ), to promptly notify the credit reporting agencies of deletion of this information from my credit file.
Consumer complaint received 2016-12-01
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

We submitted a payment on XXXX XXXX, 2016 for {$300.00} and on XXXX XXXX, 2016 for another {$20.00} to Capital One for our credit card payment. We found out a few days later that the bank supposedly rejected our payment. We called our bank, because it looked like the money came out on our side. They said they submitted the payment and that it went through on our side. So they had us call Capital One and have them research it. They researched it and never found the payment. We were at a loss at what to do, because we were out {$320.00} total, and did n't want to have to pay again until our money was found. They never found it, so we conferenced in our bank with a credit card specialist with Capital One. They confirmed the payment was submitted and had cleared our bank. Then they said they would fix the account and it would be in good standing again with 24-48 business hours. After that time had passed, the account was still not fixed. We accrued interest and late fees, along with a credit report of being late. We called them again. They said they were still working on it, to give it a few more days. After a couple of weeks of this, we called and asked to speak to someone else. They called our bank as well with us conferenced in and confirmed the payment was submitted and had cleared our account. They said they were very sorry and would work on the issue and fix our account. By now the credit card account was closed and had accrued even more fees and interest charges. They assured us it would be fixed. We filed a complaint internally with Capital One and they said we could expect a call back after an investigation into the matter. The day after XXXX, 2016, they called us at XXXX stating how sorry they were and that the issue would be fixed immediately. They never fixed it. So we called again, on Tuesday, XXXX XXXX, 2016 and they said there were no notes on the account stating that the payment had gone through. They said we were lying, in essence. They ended up conceding and saying they would investigate it again. We have been waiting almost 2 months for this now and we have now had XXXX reports of the credit card being late and closed with a large balance of {$700.00}. If they had applied our payments that cleared our bank and was confirmed by our bank that it cleared, then the balance would be down to around {$280.00}. They also offered us a {$75.00} courtesy credit for our trouble and that was never applied either. Now they are claiming they never said or did any of this!!! We have spent hours and hours on the phone with them, fighting them on this. We do n't know what else to do. Our bank has confirmed twice now, with their representatives, that this payment has gone through and they have promised us that this would be fixed. It is ruining our credit and is causing a lot of issues. We need this dealt with immediately.
Consumer complaint received 2016-12-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Franklin Collection Service, Inc. (TN)

I have been a victim of Identity theft since XX/XX/2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over 10 years. Once I contact the company and provide documentation they would remove the debt, later down the line maybe XXXX months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have XXXX to XXXX inquiries on my credit report. PLEASE HELP ME!!!
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (CA)

A credit card was opened in my name, XXXX XXXX. However, I have gone by my married name for over XXXX years which is XXXX XXXX XXXX All other accounts appear in my married name and use the following information : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P : ( XXXX ) XXXX P : ( XXXX ) XXXX Email : XXXX The card is negatively impacting my report.
Consumer complaint received 2016-06-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nationwide Debt Management Solutions, LLC (FL)

A man keeps calling my cell phone looking for a XXXX XXXX, my name is similar in last name only " XXXX '' & I do n't know this person & wish they would stop calling my personal cell ( I have had the same number for 20 years ). I did tell him to stop calling but he continues. 
The Number they are calling from is XXXX I also keep getting a recording from XXXX & it is a robot that is offering air conditioning services. 

Please let me know if you can help
Consumer complaint received 2016-06-29
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC (DC)

My XXXX credit card account was sent to North Star Companies. I called after receiving a letter that a judgment was taken out on me about my account. When I called I was told my account was in a pre-legal status so I went ahead and set up a payment plan of about {$100.00} a month. This month my car stopped working and I needed it fix. So I called Northstar Company to see if instead of paying on the XXXX XXXX I could move payment to XXXX XXXX. I was told that because my account was in a pre-legal status they could not make any accommodations since I was already paying a low monthly amount, which I believe not true, because I have had issues in the past and accommodations have been made. I was then asked that if I could not make the XXXX XXXX, could I go borrow the money which I found offensive. I am already in debt why would I go into more debt.
Consumer complaint received 2016-06-29
Product: Other financial service — Credit repair
Issue: Advertising and marketing — 
Company: Credit Karma (DC)

I utilize Credit Karma to help me manage my credit score, keep track of my finances, ensure all discharged debt is removed from my credit, and to suggest help on what I can do to help lower payments and increase my credit score after bankruptcy. 

Because my credit score has improved tremenbously ( because I 'm paying my bills on-time as well as disputing debt that suppose to be removed from credit ), Credit Karma suggested to me that I should inquire with a company called XXXX to get a lower car note. I really need to get a lower payment. I 'm paying {$330.00} a month, and with my credit score, Credit Karma is recommending that I can get my apr % down lower ... .making my payments possibly around {$200.00} a month. I know that the bankruptcy and auto loan is still new and the refinancing would n't be a good idea. I did n't want a hard inquiry on my credit either. Now, Credit Karma knows that I filed bankruptcy and has a general idea of what my credit looks like, so I trusted that the tool would help me keep things in order. I applied for the auto refinancing loan on XXXX/XXXX/16 and was " denied '' the same day. As of today 's date, the suggestion still sits on my Credit Karma account and it did n't help me at all. I am requesting for the hard inquiry to be removed from my credit report and a clear understanding of why I was still denied the refinancing, but my credit score improved!!
Consumer complaint received 2024-09-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC. (MD)

I was client of the Navient student loan. I saw there will be a settlement soon I had paperwork on payments and hardship I was going thru at the time I didnt consent to anything I was contacted by mail my info was provided and I had to start making increasing payments.
Consumer complaint received 2016-06-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

I sent letter to debt collector/creditor to verify debt I received no response and/or documents. I mailed letter on XX/XX/2016 and have proof from post office verifying this. I have complied with all credit reporting laws and have given the appropriate time to respond and would like this matter resolved and deleted from all credit bureaus.
Consumer complaint received 2016-06-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I sent letter to debt collector/creditor to verify debt I received no response and/or documents. I mailed letter on XXXX XXXX and have proof from post office verifying this. I have complied with all credit reporting laws and have given the appropriate time to respond and would like this matter resolved and deleted from all credit bureaus.
Consumer complaint received 2016-06-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I sent letter to debt collector/creditor to verify debt I received no response and/or documents. I mailed letter on XXXX XXXX and have proof from post office verifying this. I have complied with all credit reporting laws and have given the appropriate time to respond and would like this matter resolved and deleted from all credit bureaus.
Consumer complaint received 2016-06-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (FL)

The collection agency Aspire reported to all XXXX credit bureaus that I was over 100 days delinquent in scheduled payments to them for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I never made any payment arrangements with them nor was I contacted by them to schedule any payments or to inform me that I was being billed. It was not until I checked my credit score that I realized what they did. Upon speaking to them, they made my account current up to XXXX/XXXX/2016 due to an in-school deferral, but they refuse to remove the late payment delinquencies on my credit for XX/XX/XXXX and XX/XX/XXXX, when I informed them that the information was erroneous they said there was nothing that they can do, because from their end the information was accurate.
Consumer complaint received 2016-06-29
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (NY)

I started a refinance with Wells Fargo in XX/XX/XXXX. I have been given the run around through this entire process. I was told my closing date was XXXX XXXX, 2016. I have all of my paperwork which states they are incorporating my second loan of {$4500.00} ( which I pay {$360.00} a month which would be eliminated ) and my XXXX mortgage and my refinance payment would be {$2600.00}, with {$4000.00} to borrow at closing at an interest rate of 4.15. I was told nothing could be changed and all was finalized. I was told this was approved by the underwriter. I have all of the emails indicating this. I am told today after all is finalized that now they ca n't do this and they ca n't incorporate the XXXX ( which its not a second its line of equity ). I am told my new payment is {$2700.00} and I will still have to pay my XXXX, with a new interest rate of 4.34! This is completely bad faith and inappropriate. I completely disagreed with the appraisal of my home, I never got a response from anyone above XXXX when asked. XXXX XXXX stated he would look into it and every time I spoke to XXXX the amounts raised until it was finalized last week. I am appalled that I was charged {$400.00} for an appraisal I was finalized with a payment and now I am told all of these items are incorrect and it is not financially sound to proceed with these new terms. No one can provide answers or even explain why the amounts have risen every phone call or why I am being treated this way. 

This refinance has been the utmost disappointing experience I have ever dealt with as a consumer. I can attest that also being in the service industry if my company were to treat someone the way I have been treated, I would be completely appalled. This is the most unprofessional experience I ever had. 

I am asking for what I was originally promised ( see the attached loan aggreement ). I am completely disappointed and feel at this point Wells Fargo is estopped from changing any items as I signed the paperwork and was told it was finalized and had planned so accordingly. 

Please see all of the attached documents, emails, loan aggrement, complaint about the appraisal. I have actually never filed a complaint with any company prior to today as I understand as a consumer that it is a big deal. I hope no one else goes through what I did with Wells Fargo. I have been a loyal customer to them for many years. It 's sad to know that this is where loyalty will get you.
Consumer complaint received 2016-06-29
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Works & Lentz of Tulsa, Inc. (OK)

I settled the debt with XXXX XXXX Hospital through Works & Lentz for {$1400.00} which was paid on XXXX/XXXX/16. On XXXX/XXXX/16 I received a letter from the Oklahoma Insurance Department regarding my complaint against my insurance company at the time, XXXX. In that letter dated XXXX/XXXX/16 XXXX states that they have executed a letter of agreement with XXXX XXXX for payment of the claim. 

I contacted XXXX XXXX on XX/XX/XXXX to follow up and they stated that the claim was paid on XXXX/XXXX/16 in the amount of {$1500.00} and that I would have to contact Works & Lentz regarding the overpayment as the account is no longer with their office. 

I then contacted Works & Lentz on that same day, XXXX/XXXX/16 and spoke to XXXX who stated that my account has been XXXX out and that if a payment comes in they will have to issue the refund to me. She said that they had n't received a payment from XXXX XXXX yet. 

I called XXXX XXXX again on XXXX/XXXX/16 to find out when the payment was sent to Works & Lentz and was told by XXXX that the payment had been forwarded to Works & Lentz on XXXX/XXXX/16. I called Works & Lentz back and spoke to XXXX XXXX regarding the overpayment. She could n't find my account even after I provided the account number as if my account no longer existed. She said that she would send the information to management to review but that she could n't guarantee anyone would call me back. 

I am due a refund in the amount of {$1400.00} in a timely fashion but instead I am getting the run around from all involved.
Consumer complaint received 2016-12-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have a collection account on my credit report who was supposed to be included in my bankruptcy. I want to make sure that this is account reflect discharged in bankruptcy with a XXXX balance and be reported to credit agency correctly. do n't want to received anymore calls from this collection agency.
Consumer complaint received 2016-06-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Hi, I have property in XXXX, Ohio. Morgaged via Fifth Third Bank. I missed a payment and continued to be harrassed by Fifth Third Bank personnel. I requested that they do not bang on my home door. Not only do they appear at my door but each day I have received un-postaged envelopes in my mailbox and envelopes taped to my outter door for other residents to see. I have pictures of the envelopes left at my home. This is harrassment and intimidation by Fifth Third Bank that I do n't believe other customers are treated. I am an XXXX Female
Consumer complaint received 2016-06-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (OK)

I have received many calls for several months now for a debt that does not belong to me. I have informed this company on ALL occasions, that I do n't know that person and that I have had my cell phone number for over 10 years. Since XXXX XXXX 2016 I have received 7 calls alone. 3 of those calls were hang ups, 3 were answered with me telling them again to stop calling because I do not know the person they are trying to reach. And I received another call again today. I filed a complaint on their website and now I 'm reaching out to you.