davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (NV)

I was hoping WELLS FARGO would have come its sense and realize that it 's calling ME, the card holder, the consumer and customer a liar. But in essence, knowing full well all the issue we had with identity theft and precautions we need to now take, and knowing full well WELLS FARGO made well over {$350.00} just in 3 months of over 12 months I had the card. I did not complain about the {$10.00} atm charge you charged me every time I used the card or your high interest rates. And I was never late once with my bill. Not to mention I can show with phone records and emails how many times I had to call in to WELLS FARGO to handle simple small issues over and over and over again. I can promise you as well over two hours a week was spent dealing with issues that I was told once I signed the forms would be handled. And they never did, they always came back. As well I also There were several disputes on the card that were active when WELLS FARGO closed the card down. And oddly the card just so happened to equal {$1000.00} which was my deposit. 

I have lost four times over with every company, not only not caring of my extreme identity theft issues, but taking advantage of our situation when we paid our bills and we stayed in contact with each company every issues doing whatever company policies were, but in the end, those things never mattered either. 

So, I let all those issues go, all those many many many issues. And I told you guys I was willing work with you, but you, again, WELLS FARGO has found a way to call the consumer who took the time to call right away when there was an issue on the card, a liar. So, I your customer, lied to you about the {$200.00} ATM dispute in XXXX. Cause what you told me was the MERCHANT saw me take the money of the machine. Well let me rectify this again for you, and I Will not discuss other disputes again, I am simply going go over this XXXX ATM at roughly XXXX at a convenient store located across from XXXX, next to XXXX XXXX -
Consumer complaint received 2017-01-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Bureau Services Association (TX)

Original creditor XXXX was paid by XXXX for services rendered as a result of on the job injury onXX/XX/XXXX. All attempts to contact creditor or collection agency, Credit Bureau Service, have gone unanswered. XXXX records show that debt was paid in XX/XX/XXXX yet report of debt is being charged to my credit report and is still being shown as a derogatory remark against me after numerous attempts to have this error corrected. Individual credit is far too important to allow reports that are inaccurate to remain on individual reports until accuracy and periodic review for fraud by those who report can be investigated.
Consumer complaint received 2016-11-12
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BBVA FINANCIAL CORPORATION (AL)

My bank, BBVA Compass, does not have fees associated with ATM usage. However, I was charged fees from BBVA in addition to the fees applied to the amount I withdrew from non-BBVA ATM 's. XXXX fee reads " USAGE ATM FEE '' and the other reads " SURCHARGE FEE ''. The dates and amounts are : XXXX - Surcharge {$3.00}, Usage {$2.00} XXXX - Surcharge {$6.00}, Usage {$2.00} XXXX - Surcharge {$2.00}, Usage {$2.00} ATM withdraws with my other bank, XXXX XXXX, does not have fees applied on the same ATM 's. I called BBVA Compass to request a reversal and a stop to these charges, but I was told to call back. 

The BBVA Compass website reads the following in regards to ATM fees : " BBVA Compass customers can withdraw cash with their BBVA Compass Debit Card or ATM Card without a fee at nearly XXXX BBVA Compass XXXX in the United States. Withdrawals, deposits, transfers, and balance inquiries from ATMs at other financial institutions in the United States may be assessed a fee. You may also be charged a fee by the ATM operator or any network used. You may be charged a fee for a balance inquiry even if you do not complete a funds transfer. Please see your applicable account disclosure for additional information. ''
Consumer complaint received 2016-11-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Core Advisory Group, LLC (AZ)

Our house was going to be sold at a foreclosure auction. The deception was a XXXX violation. This form is actually a " resubmittal '' from a previous submission. I was advised to factor in all of the monies I am out related to this. My husband and I hired the Core Advisory Group, we paid {$1900.00} up front plus a {$160.00} notary fee separately to US Signings who happens to be the same owner of Core Advisory Group, XXXX XXXX so he milked us on top of the regular fees to add his separate notary fees. In addition to these fees, we also paid {$68.00} for documents to be sent same day to three different entities ( {$22.00} XXXX ), {$150.00} to a paralegal to draw up paperwork for a bankruptcy petition, and {$77.00} for the filing of this petition. There was no mention of additional fees for sending mail and filing a bankruptcy petition ( we were blindsided by this ) and the fee for the paralegal was also deceptive to my understanding as we filed under pro se status. We were given legal advice and instructed to file a chapter XXXX by this paralegal when only a licensed attorney is allow to provide legal advice so that is another violation to the bankruptcy code of conduct. The bulk of the money was paid via check although the paralegal requested I put money directly into her account ( which was actually her daughter 's account because the bank she uses " does not have a branch in your area '' ) and the bankruptcy court would only accept a cashier 's check or money order as payment. The fee for mailing the documents was paid via debit card at the USPS station. This company does not follow the laws & regulations and uses deceptive marketing and sales tactics to lure people like us in. If necessary I have all receipts or documentation for money paid if needed.
Consumer complaint received 2017-07-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

Hello I have a medical debt from Wakefield and associates stating I owe a medical bill in the amount of {$560.00}, I never signed a contract with Wakefield and associates and do not owe this debt to them. I also did some research and found they are not licensed to collect in the state of Georgia and I would like this debt removed from my credit report with all credit bureaus immediately.
Consumer complaint received 2016-11-13
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: First National Collection Bureau, Inc. (AZ)

First National Collection Bureau on behalf of XXXX has keep sending me letters to try to collect a debt that is over 7 years old i have repeatedly asked them to stop they also keep reporting this on my credit report. this debt is over 7 years old. XXXX had this before after disputing it they finally removed it but then these guys started. how am i suppose to clean my credit up when it always get reported as new stuff that is very very old
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I contacted   XXXX   XXXX   to set up an arrangement for my account. After speaking to multiple people I finally reached the credit department and they agreed to set me up on a payment plan for  XXXX  a month. I have yet to receive a letter so therefore I called to check the status. I spoke to a young lady that told me that my invoice would reflect  XXXX  and that is the statement that I would be responsible for. I made the payment of  XXXX  but they debited my account for  XXXX , which the funds for that was not available for. In addition to the unauthorized payment, they place a 30 day late on my credit report. I have never been late paying them in addition, they totally confused me with the debit out of my account. I request to have my payment of  XXXX  removed and the 30 day late mark removed as well.
Consumer complaint received 2017-07-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (VA)

I currently have a mortgage serviced by OCWEN Loan Servicing, LLC, for a property awarded to my ex-spouse resulting from a divorce. I am listed solely on the note. The ex-spouse was supposed to make timely mortgage payments as agreed upon in the final divorce decree, the property settlement agreement, and the special warranty deed. In XXXX of XXXX the ex-spouse stopped making the mortgage payment. I was made aware of the default in XXXX XXXX, and began correspondence with OCWEN to have my name removed from the note, and sent them a completed package with the divorce decree, property settlement agreement, and special warranty deed. OCWEN rejected that proposal about one month later and placed the property in foreclosure. In XXXX of XXXX, I again contacted OCWEN and requested a loan modification. I sent in my packet along with all the relevant divorce paperwork requesting a modification or forgiveness of a portion of the balance. I explained that I would pay the remainder of the balance in cash in 60 days. In XX/XX/XXXX, OCWEN rejected that offer. I then contacted OCWEN asking how can I remedy this situation, and the customer representative recommended completing a deed in lieu of foreclosure application, which I did on XX/XX/XXXX. I believe that OCWEN is intentionally rejecting these offers because the property is now valued more than owed, and wants to sell the property out from under me.
Consumer complaint received 2016-06-23
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Denovus Corporation, Ltd. (AL)

I have contacted Applied bank several times about this account and I have also called them. They told me this account was sold to a Denovus corporation. Well I asked them if they are able to contact this company and ask them to call me. So finally the company called and I gave them the information about the credit card and I informed them that I had been a victim of identity theft and fraud and that this was not my account. But instead they insisted that it was so instead of arguing trying to get the information take off my credit I told them if we came to a settlement agreement I would pay the account off in full and I would then want this account deleted from my credit. Well XXXX told me that I could pay her {$410.00} plus another XXXX to pay for delete. I told her if I pay the XXXX you should delete it off anyway without me having to pay. Then she said and it will take us 45 days to delete it. I told her no I am not paying you to delete it off my account and I am not waiting 45 days. She said well that is the only way you will get it done or are you refusing to pay. I told her well to be honest I do n't have to pay it because I was a victim of Identity theft and fraud and its really not my account. so it should already be deleted without me having to pay anything. A letter was sent to you from my attorney and you ignored it and I sent in affidavit to you also and you ignored it so I am calling to either ask you to delete it or make a settlement arrangement and you telling me that you ca n't do it. she said no we cant. I said ok then I am refusing to pay until you can tell me you will go ahead and delete it I am not paying it.
Consumer complaint received 2017-07-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (NJ)

On Thursday XX/XX/XXXX a suspicious charge to the amount of XXXX $ was found to be pending in my Wells Fargo Bank account with the information for a legal order by XXXX XXXX XXXX XXXX XXXX. I contacted XXXX and found the only open case they had was for someone with a different address then mine for a visit to XXXX XXXX in XXXX that I had not had. I contacted my bank and they stated that according to their records the legal order matched my personal information ( address, social security number, etc ) so I called back XXXX XXXX to speak with the court officer directly. The court officer confirmed that my personal information did not in fact match his legal order ( save for zip code and last name ) and advised me to contact the law offices of XXXX XXXX representing XXXX XXXX in the suit. I contacted them and by prividing my own personal information they also confirmed that my information did not match their records. They agreed to contact the court officer and bank to resolve the matter. The court officer contacted XXXX XXXX but they said it needed to be pushed up for further investigation. I find Wells Fargo to be negligent as far as I can see due to the fact that the only thing connecting me to this legal order is them providing my bank information. I trust my financially institution to protect not just my finances but also my personal information. I will be seeking legal recourse against the bank myself but feel as if I have been wrongfully out in a position I should not have to be.
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I contacted Capital One to set up an arrangement for my account. After speaking to multiple people I finally reached the credit department and they agreed to set me up on a payment plan for XXXX a month. I have yet to receive a letter so therefore I called to check the status. I spoke to a young lady that told me that my invoice would reflect XXXX and that is the statement that I would be responsible for. I made the payment of XXXX but they debited my account for XXXX, which the funds for that was not available for. In addition to the unauthorized payment, they place a 30 day late on my credit report. I have never been late paying them in addition, they totally confused me with the debit out of my account. I request to have my payment of XXXX removed and the 30 day late mark removed as well.
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ability Recovery Services, LLC (IN)

Ability Recovery - a collection agency for XXXX University has been reporting a false debt to my credit report. I applied to go to that university and filled out all the documents per their instructions. They made it seem like I was being enrolled, but then told me they could n't accept my high school transcripts because the state of Indiana sends them electronically and they can only accept official hard copies of the transcripts from the state. After explaining this to them and even conferencing someone from the Indiana Dept of Education on the phone with them, they still said they could not accept my transcripts. They waited until I participated in an online class setting to tell me this. I 'm guessing this was to try to trap me into this debt by saying I participated. That was shady and should be illegal if it 's not already. <P/>Now, I 'm stuck with a debt that I have no idea is legal to be there. I never attended their university. They collected my government financial aid, but never accepted me or fully enrolled me. <P/>This is damaging my credit report and I will not pay a debt to attend a school I never attended - by their own admission when they said my transcripts were denied. I 've tried to dispute this through all of the credit bureaus, but to no avail. I have spent time and money for shipping costs to these credit bureaus and they are n't able to help me. The blemish on my credit is preventing me from obtaining credit from other places ; including getting a mortgage. <P/>I would urge you to request correspondence from XXXX regarding our conversations. They have them in their emails. They explained to me on multiple occasions that I was not fully enrolled because of my transcripts. <P/>The amount they 're trying to collect is {$2400.00} and I will not pay one penny to them. I 've been told this wo n't be removed from my credit report until 2023 and that is unacceptable. I do n't understand how a university can fraudulently collect debt this way and they already got federal financial aid in my name, as well. <P/>I need help in this matter. XXXX has been underhanded, greedy, and dishonest. Please help. <P/>I 'm enclosing an email stating they received an unofficial transcript and them requesting another. This is after I had to pay for the state to send the " unofficial '' ones. You can see clearly in the email that they REQUIRE an official hard copy, but per the state of Indiana Dept of Education, they do n't provide hard copies. I was never fully enrolled according to what they ( XXXX ) say that they REQUIRE hard copies of a document that I never provided. How can they collect on an account that never truly existed? <P/>Thank you
Consumer complaint received 2016-11-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (AL)

I was injuried on the job and covered by worker comp. XXXX sent the XXXX bills to me, so I called them and wrote them that they need to send the bill to The XXXX, as the bills are covered by workers comp insurance. They continued to send me bills monthly for awhile. Then they turned the bills over to the XXXX XXXX XXXX whom in turn allowed the false record to become a part of my credit history. I spoke to XXXX several times over the last few years and they failed to take actions to contact the people that sent the false report to them or take any action to correct the mistakes. There are XXXX bills that came from the same day over the same injury, and both from XXXX. After a few years I found out that the false records were still on my credit report, as I got turned down on my credit applications, and also got higher interest rates for credit I did get granted. I again called XXXX to complain and file disputes with credit reporting agencies. XXXX finally deleted XXXX of the false bills but left the other. This is not fair nor lawful. I am paying higher interest rates on XXXX credit issues because of them false reports not getting the proper attention from the XXXX XXXX XXXX and the report credit score agencies, ( XXXX, Experian, and XXXX, as far as I know. 
XXXX XXXX XXXX : item # XXXX ( recently deleted ) and case # XXXX which is still listed.
Consumer complaint received 2016-04-21
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I made a purchase on my card that I wanted to dispute and to block a merchant. The first time I called I had no problem and I had the rep note the conversation and the issue so when I called back I would not have a problem. The rep said that I had to call back because the charge was pending. When I called back I was transferred to XXXX reps put on hold for half an hour and drilled about who I was!!! It was a {$9.00} charge that I wanted to dispute and block any further charges. I was told that I needed to send it the information I could not " verbally '' tell her on the phone!!! First she said my address was n't coming up in the system ... ..I said that 's really strange and how are you going to send me my bill??? She became very rude talking over me and then she " somehow '' disconnected the phone line when I asked for her name?? I told her to cancel my card she told me she was not able to do that however she could block any further charges!!! LOL well that 's basically what I was telling her to do. Unqualified and Unprofessional and a waste of my time dealing with Untrained csr.
Consumer complaint received 2016-09-11
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I HAVE A CREDIT CARD WITH CAPITAL ONE. THE MONTHLY PAYMENT IS DUE ON THE XXXX OF THE MONTH. ATTACHED IS A COPY OF THIS MONTH 'S BILL. I PAID MY BILL LAST NITE XXXX XXXX AT XXXX. CAPITAL ONE HAS INDICATED THAT MY PAYMENT WAS LATE AND THAT I WILL BE CHARGED {$36.00} AS A LATE PAYMENT FEE. IF MY PAYMENT IS DUE ON THE XXXX AND I PAID ON THE XXXX, WHY AM I BEING CHARGED A LATE FEE. WHEN I CONTATED CAPITAL ONE, THEY SAID IT WAS BECAUSE MY PAYMENT WAS NOT SENT BEFORE XXXX. NOWHERE ON THE STATEMENT DOES IT SAY ANYHING ABOUT THAT. PLEASE HELP.
Consumer complaint received 2017-07-10
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. (WI)

On XXXX XXXX, 2016 my husband and I went to XXXX XXXX XXXX to see about getting a new vehicle. We authorized them to run our credit, but we never authorized them to run our credit with over half of a dozen other companies. This put hard inquiries on our credit report, which obviously hurt our credit score. We were told by XXXX XXXX XXXX XXXX that the hard inquires would n't matter because they were all on the same day and that anyone who looked at our credit would be able to tell. It 's been well over a year and we 've gotten nowhere. It 's beyond infuriating knowing that we 're trying to build our credit and because this one company inquired with 6 plus other companies, we 're the ones paying for it.
Consumer complaint received 2016-09-10
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (NJ)

I 've been making the mortgage payments ( Chase Bank ) for my parents for over 10 years now. I make the payments in cash. My parents have moved out of the country, I attempted to make a cash payment like I always do and the teller tells me that I ca n't make a payment because my name is not on the account. She asked me to make a payment by either check or money order which means I 'll have to spend more money. I have the same last name as my parents, I gave the teller my ID and said that i still could n't make a cash payment. Please explain why this new absurd process of payment was put into place.