davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (KS)

Carrington Mortgage bought my mortgage earlier this year. They increased my payment due to an increase in the escrow payment - I have no problem with that. However, I did not get notified of the increase. I always pay my mortgage electronically, and always have included more than the amount due. In XXXX, I got a notification from Carrington that they had not received my mortgage payment. I checked my bank records, and they indeed had cashed the electronic payment. When I called to enquire about why they thought they had not received it, they told me that they had increased my payment, that the amount I had paid was insufficient, and that they did not accept partial payments, so it was the same as if I had paid nothing. I made a payment at that time to bring the account up to date but told them I was disputing the {$82.00} late fee - which the Customer Service person said was kept in a separate account anyway. When I tried to change my electronic payment to the new amount, my bank said the payment was already being processed and could n't be changed, so I sent an additional {$100.00} to Carrington to cover the increased mortgage payment. I then changed all subsequent payments to the new amount. I received another letter from Carrington in XXXX saying that they had not received my payment for XXXX. Again, my bank records show that they cashed the original payment and the additional {$100.00} payment. It should be apparent that they now owe me money, as the {$100.00} more than covered the additional escrow increase. 
I have received numerous additional notifications of non-payment - every month - despite my bank showing that they have cashed the electronic payments for the exact amount required. I have tried to talk to their Customer Service, but it is apparent that the only thing they can do is take a payment over the phone. The first time I called in XXXX, they acknowledged that they had mis-credited my XXXX payments, but I still get notifications of non-payment EVERY month. I have bank statements to prove all of the payments. I have made approximately XXXX calls to their customer service, and they repeatedly put me on hold for XXXX minutes at a time. I 've even had XXXX of them ask me if I can just call back Monday - which I assume is when she would n't be working. When I ask to speak to a supervisor, they dump me into voice mail. I finally tried calling their corporate offices - good luck with finding anyone who has an idea how to resolve this without just calling Customer Service, which is useless.
Consumer complaint received 2015-09-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Andrews & Cox, P.C. (VA)

I request for my Credit report be sent to me and was surprisingly to see a judgement against me from XXXX XXXX XXXX XXXX after years of harassment during be unemployment. I fought with them from XX/XX/XXXX until they stopped in XX/XX/XXXX and now I see while they stopped even though they did not during the time mentioned below as I send them constantly letters stating that I was unemployment. 

Several of their collection agencies and attorneys just ring out to me all day everyday, including the weekend but never stopped. 

Now there is a surprisingly judgement on on credit report what involving Bleeker, Brody & Andrew, that first send me a warrant that was take to my residence door for another consumer and then lied and said that was me and found out that the other consumer was given my warrant. When I went to court, I explain to the courts and gave them a copy of the warrant and the judge was not please. I also explain to the court that they have been harassing during my hard time being out of work and collecting unemployment and again, the judge was not happy. Bleeker, Brody & Andrew also lied that they send my copy of my original warrant XXXX, and then I received a copy the day of the court date but they are allowed to put a judgement on my files. 

Now, since I did not have any money to get to court, I wrote letters them and let them know. So in between not able to afford to go to court, somewhere in there this judgement was place on my records. 
I know that I owe them because how do you repay during hard times. When I talked to XXXX XXXX and the attorneys, they instructed me to sleep in my car until I repay them back. 

I have tracking letters of this and hope that I can attached them as I have contact you before re : this harassment with XXXX XXXX XXXX loan and Bleeker, Brody & Andrew out of XXXX, GA
Consumer complaint received 2015-05-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Convergent Resources, Inc. (GA)

I have a XXXX dollar debt with team mobile. Not understanding the why this debt shows I still at this present have a open account with XXXX for over 5 years. Not only for phone service but the devices Such as iPad and other phone devices.. Also knowing that if I do n't pay monthly bill my service would be suspended. So if I owed this amount off XXXX dollars why am I still a existing customer with them. DO N'T GET IT.
Consumer complaint received 2015-10-30
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In mid XXXX 2015 I observed an unauthorized purchase for {$230.00} from XXXX listed as pending on my account. I immediately contacted Capital One and informed them the purchase was unauthorized, and was told I was unable to dispute the charge until it posted to my account. Upon the transaction being posted I informed capital One verbally and via their online secure messaging system. I was initially give temporary credit, and Capital One disputed the charge. However, Capital One disputed the charge incorrectly. They did not dispute as unauthorized, the merchant disputed and the charge was reissued on my account. Capital One informed me the merchant stated the merchandise was received, I again informed Capital One that the transaction was unauthorized, I did not make the purchase and never received any type of benefit from the purchase. Capital One stated they incorrectly filed the dispute and would now file as an unauthorized charge. XXXX BILLING CYCLES LATER Capital One denied my claim, stating the merchandise was delivered to my home by XXXX. When I again stated I did not authorize the purchase or receive the merchandise, Capital One again said the merchandise was delivered to my home and opinioned that an individual who could have had access to my information such as a family member may have made the unauthorized purchase. My own research revealed XXXX delivered the merchandise to my home and left it without a signature and the delivery was not in my name. When I informed Capital One of this information and suggested that if someone was expecting the package since it was a scheduled delivery via XXXX, perhaps the individual removed the merchandise from my front stoop, Capital One said that could never happened. When I informed Capital One that since they took over XXXX billing cycles to resolve the issue, as per Federal Regulation they could not hold me responsible for the purchase, Capital One agreed they had the initial dispute over XXXX billing cycles, but their fraud unit did not and therefore the Regulation does not apply. If Capital One properly filed the dispute as unauthorized from the beginning there would have been no issues, why should I be penalized because of Capital One 's negligence?
Consumer complaint received 2015-04-08
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (NY)

I had an American Express prepaid XXXXcard that loaded with my own funds. I used it to upgrade a previously purchased XXXX XXXX ticket ( {$860.00} ) for another about {$270.00} to include a stopover I wanted ( total ticket price : {$1100.00} ). Due to a change in plans, I then had to cancel the whole ticket. XXXX XXXX refunded the entire ticket price to the prepaid REDcard ( instead of just the upgrade fee of {$270.00} ). 
When American Express saw this, they immediately closed the account and froze the funds, accusing me of " fraud ''. I called everyone in the company I could to try to resolve but was met with indifference and lies such as " we do n't know where the money is ''. It took weeks until XXXX day a check showed up at my house refunding me all of my money I loaded into the account, minus the {$270.00} I used to upgrade my XXXX ticket, which American Express claimed was " sent back '' to XXXX together with the base fare of {$860.00}. 
Meanwhile, XXXX XXXX claims they never got any refund " sent back '' from American Express. I 've called American Express countless times but i am either ignored or told that " they do n't know ''. 
I am still waiting for the the refund of {$1100.00} that American Express claims to have " sent back '' to XXXX but XXXX insists it never received it. 
Worst of all, American Express NEVER made any attempt to contact me to verify the charge. Instead, they immediately shut down the account, accused me of " fraud '', froze the funds for weeks " pending investigation '' ( for which I had no say nor any opportunity to explain ), and then only refunded to me part of the funds that were in the account.
Consumer complaint received 2015-11-02
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (FL)

I attempted Western Union money transfer to another country ( XXXX ) using the service they call " WU Pay. '' This is an on-line billpay type transaction which Western Union advertises as allowing for funds to be obtained by receiving party in about 2 days. My account was debited on XXXX/XXXX/15 and as of XXXX/XXXX/15, my father was unable to obtain the funds. Multiple phone calls to Western Union were made with representatives assuring me that it had been cleared and the funds were available but he could not obtain the funds. On other occasions, I was told that there had been a hold on funds which was subsequently cleared but the recipient was still unable to receive the funds. I attempted to speak to supervisors but was told they were unavailable. My money is still being held by Western Union although they state they will refund it " after 5 business days. ''
Consumer complaint received 2015-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Early Warning Services, LLC (AL)

Years ago I had someone purchase a car with a cashier 's check. Car was gone and check deposited into my account at XXXX XXXX Credit Union. Few days later, money was withdrawn to purchase another car but found out later that the cashier 's check was canceled. Could not find the people so the car and the money were gone. I had lost my job and was unable to pay the debt to the credit union. They took it to small claims court and I had filed bankruptcy due to losing employment and divorce. Debt to the credit union has been discharged. I ended up moving to another state and tried to open a local bank account, but found that the credit union has me listed with Early Warning Services as a fraud user. I have several emails with the credit union explaining if I pay the debt they can release my name from the fraud list. This violates the terms of bankruptcy code as well as Fair Credit Reporting Act. I just would like my name off the list in order to open an account.
Consumer complaint received 2015-04-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Southern Credit Recovery, Inc. (LA)

I received a collection on my credit report in the amount of {$1900.00} from XXXX XXXX XXXX. I was informed that it was a debt from XXXX XXXX XXXX, An institute located at XXXX XXXX XXXX, XXXX XXXX, LA XXXX in which I attended and XXXX on XXXX/XXXX/2012. I could n't get any documents showing how I owed the money and I could n't see how it would be possible anyway because it was paid 100 % through XXXX or XXXX. My last term I received a {$9000.00} through XXXX but only needed {$3000.00} so {$3000.00} was taken and the other {$6000.00} was declined. My books and all were included, I received my diploma, and my transcript and now I have this Credit Recovery company with incompetent people who can give me any paperwork stating how I owe this, they 're just saying its a debt I have and it needs to be paid.
Consumer complaint received 2015-11-01
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (GA)

I have been experiencing identity theft and also i have been going through a lot of financial situations. I recently opened a small business and had different of personal accounts that different people from different organizations and other trust fund monetaries that where left to me from a deceased individual, that explained that she wanted her money to go to a charity of some type. I was left a sum XXXX XXXX dollars close to in XXXX XXXX i should say. I opened my investment account and I did the appropriate paperwork for the trust fund account and gave the appropriate distribution for how the money was supposed to be distributed equally each month and to each account. Every single account that I have opened and every deposit that was either transferred and or supposed to be wired, released to the account and then in increments where transferred out of the accounts slowly and shortly. While at the same time the accounting information online are telling me pending. By the third day of the payment holding process the bank then shows that the account funds was insufficient and on top of the NSF message i had to pay a check refund payment. Every single time the check goes through a specific holding period the funds within that period are released and then the information changes and says that it can not be processed and the checking funds was stopped. This has happened with a repeat number of my accounts causing me to go negative within my business to take a major loss on the business and personal aspect. I then try to get some type of confirmation and or repayment and the companies try to tell me they can not locate the account and or they can not understand what happened with the account. I filed different police report numbers and have been to different agencies and yet i am still without any account and or without any funds at all. I do not know exactly what to do and or how to get my funds back nor do i know how to or what to do because it has even been a change in the police reports that i have done missing information at the merchants, and /or the different companies that i have used for money accounts and or for personal stored information. I have tried protective custody switching name and personal information on my accounts plus more and at this point i am at a total blank of what is going on or what to do next.
Consumer complaint received 2015-09-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: BAS Receivable Management Inc. (CO)

I received a debt collection by Bonded Adjusting Service XXXX Co XXXX Local number XXXX for a client XXXX Hospitalists. I have never been in the hospital in XXXX. They are attempting to collect the debt for {$440.00}. There is no record that my health insurance company receive the claim from XXXX Hospitalists. Thank you.
Consumer complaint received 2015-09-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NJ)

I wrote a check to my Local XXXX in XXXX NJ on XXXX/XXXX/15 for {$27.00}. The clerk told me he would have to keep my check and present it physically to the bank instead of by ACH, and could not return the check to XXXX know this sometimes happens. 
Check # XXXX was then presented on XXXX/XXXX/15, electronically. 
Check # XXXX was once again presented for payment physically on XXXX/XXXX/15. 
This was an error on the part of the merchant, and the bank ( Wells Fargo ) for paying out XXXX on the same check number for the same amount. 
When I brought this to Wells Fargo 's account and pointed out the error, I was told they had to present this to their " Claims '' department, and it would take them up to 10 days for review. 
I have never heard of such a thing!! They made a mistake, and it was brought to their attention! Why the problem with refunding my own money. It is so clear if you look at my checking account to see what happened. 
I mentioned to Wells Fargo what happens if I overdraw due to this money waiting to be refunded. Oh, of course, they say they will refund any fees, but good luck with that. Also, that amount missing in my account could cause me to overdraw more than XXXX item!! 
I live paycheck to paycheck, support my XXXX year old mother, and can not afford mistakes like this or the bank 's cavalier attitude towards correcting what is very clearly a mistake on their part. 
That is why I am reaching out to this agency. 
Well Fargo has a poor reputation, and loves to charge people fee after fee! 
I even have to pay a {$12.00} fee for them to transfer money from savings to checking in case of overdraw!! 

Is that right??? 
Why is this bank allowed to treat their customers this way? 

Pls help. 

Thank You, XXXX
Consumer complaint received 2015-09-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (IN)

Equifax, over the years, has maliciously attempted to report inaccurate information. While sometimes I 've had luck removing these items, this time the damage this company has done to me is irrefutable. 
For starters, I have XXXX items showing as " Dispute in Progress '' - for over XXXX days. But if you look at the other image I attached, the dispute shows 'expired ' ( # XXXX ). I never received confirmation the dispute was even completed, let alone expired. This is an attempt to harm my credit. 
XXXX, Equifax claims that inquiries are a statement of fact. They have, on XXXX occasions, granted file access to companies I have never engaged nor wish to receive credit from. The act of allowing someone else to access my file without permission is NOT legal. Moreover, I have had a continuous fraud alert on my file since 2013 which was NOT triggered when someone applied for credit that I did n't ask for. 
Finally, Equifax has continuously spammed my inbox trying to get me to sign up for their XXXX-Bureau monitoring program when I 've opted out of such services.
Consumer complaint received 2015-10-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

Equifax has not noted to my credit file ( XXXX XXXX XXXX the creditor and dispute source ) that I have disputed this account as reported. Instead, Equifax says that it 'verified ' the account " as told by XXXX ''. My dispute has to do with the balance $ amount and my reason the account was not settled immediately. Equifax did not reflect on my credit report a dispute even after I provided to them my actual balance statement with XXXX posting errors and XXXX balance differences outstanding.
Consumer complaint received 2015-10-29
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (TN)

declined application for CITI credit card XX/XX/2015..Application ID XXXX. I only recv XXXX. I Only use 3 % of available credit. I have credit score XXXX. I have 100 % on-time pymts. I 've had high bal of & gt ; XXXX $ with a current XXXX balance on a few accts. Cons ; ONLY XXXX YR XXXX. XXXX THAN 2YRS rebuilding credit since Divorce. Please Help me.
Consumer complaint received 2015-04-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

TransUnion has kicked me out of the system for over two years I have had a username and pass code there has been problems ONGOING I have found a error recently and disputed with TransUnion they have kicked me off the system and or flaged my account causing me to jump hoops and preventing me from viewing and or getting my current status
Consumer complaint received 2015-09-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc. (CA)

more than 2 years ago, I ordered a phone XXXX on-line, while the phone was said to be out of stock online after I had placed the order I called an agent and asked them to cancel the order, the next day not only did I receive XXXX phone, but XXXX. I rejected the receipt XXXX and sent it back to XXXX, what was I to do with XXXX phones? Since this was a very high end phone, it required a high end data plan. which I got. On a monthly basis I kept getting billed for XXXX additional lines ; 1 ) for the phone I kept 2 ) for the phone I sent back. I called XXXX about this and they said that they had not received the second phone yet but that I should check back. A few billing cycles had happened and I kept paying it. My account then had gone to collections as I refused to pay the excess fees because I only had XXXX phone, their records did n't show any calls coming in to the second line they were charging me for. My account was sold to the collection agency called Diversified Consultants with whom I tried to settle. Before I tried to settle I called XXXX and asked them if they had received the phone in their inventory, by then they said yes, but I had to deal with the collection service to settle the account. I spoke to an XXXX XXXX, several times to attempt to settle this, even though they say the conversations are recorded for quality, they have still not been able to produce XXXX. They agreed to take XXXX payments from my account totaling {$450.00} to clear this debt up and to send them a letter. This was back in XXXX 2014. Recently I ran my credit report to see if I could qualify to get a home loan, and this thing pops back up in my credit, but now the account has been sold to XXXX XXXX and there is still a balance of {$800.00}. I called XXXX XXXX and explained my situation and they were unable to help me as they said I needed to get a receipt of payment from Diversified Consultants. I called Diversified and they are not stating that all I paid was the fees I felt I owed and not what was really due, that I had to dispute the rest of the amount XXXX, I asked them what about the letter I sent them, they said that they did not receive it. I have moved and can not locate the blasted letter but I know I sent it. I 've tried to get a hold of them, they are not helpful. I spoke with someone who actually wanted to help and said they would send me a letter confirming the amount they had received. I received the letter a week late stating that I still owed THEM XXXX {$800.00}. I received the letter by email, attempted replying to it and the email bounced back. I also attempted calling and only go routed around and eventually dropped. I need this removed from my credit report, it was a mistake on XXXX behalf not mine.
Consumer complaint received 2015-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I have disputed this item with Experian for 6mos now and they will not remove it. I have filed an identity theft report and sent the information to them and they have not removed the item. The item is XXXX. I disputed the same item with XXXX, and XXXX has removed the item from my credit report. I would like for Experian to remove this item as it does not belong to me nor has it ever have. A copy of my identity theft report will be attached