davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-14
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (KS)

I filed chapter XXXX bankruptcy on XXXX/XXXX/14, the bankruptcy was discharged on XXXX/XXXX/2014. I included my XXXX balance of approx. {$34000.00} ; this balance was discharged. XXXX sold the loan to Seterus. I have been making monthly payments to Seterus because I want to avoid a foreclosure. However, Seterus are charging me interest and will not provide me with a statement, nor will they provide me with receipt of my payments. My payments have increased from {$300.00} to over {$400.00}. I have requested pay off statements and the balance keeps increasing. Since this loan was included and discharged in my bankruptcy they should not be charging me interest. I want a refund of all of the interest I have paid them since 2014. I want a detailed list of all of my payments and I want a pay off statement. They refuse to talk to me on the phone because they keep saying I am in bankruptcy. I keep telling them my bankruptcy is discharged and closed. I need this information so that I can sell the property and I want the interest that they have charged me to get refunded. I am not liable to pay this loan because it was discharged. They are breaking the law by charging interest on a loan that was included and discharged in bankruptcy. Please help.
Consumer complaint received 2016-04-14
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (AZ)

I was trying to wire money from Wells Fargo Bank ( WFB ) in XXXX, Arizona USA to XXXX XXXX , XXXX XXXX . It finally got there after three weeks plus. A similar wire from another Arizona Bank to XXXX had taken a couple days. 
The confusion and incompetence at WFB were unacceptable causing XXXX and loss of money.
Consumer complaint received 2016-05-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (MD)

I have a XXXX account that is linked to my wells fargo account and pre authorizes payments on its behalf. I began getting emails from wells fargo alerting me that I had insufficient funds in my bank account, so I went on and saw that they had charged me XXXX times with a {$35.00} overdraft fee. I called them and they issued me a partial return of {$50.00} towards my XXXX total of {$210.00}, ultimately not helping my situation one bit. I explained that I am a XXXX and how last week was my XXXX, and that I would address the overdraft fees but that in the meantime I wanted them to please do me the courtesy of not charging me those overdraft fees as I work out my situation with XXXX. The following day I was charged XXXX more with a {$35.00} overdraft fee, and once again called, this time speaking to a man who told me he could n't do anything and that I had to pay the {$300.00} overdraft fee. As I mentioned before, I just XXXX and spent the last year as a XXXX. I have no way of paying this fee, and it 's usury and exploitation on their behalf. I really feel that this type of practice is corrupt and must be looked into because they are taking advantage of me and know I can not pay these fees.
Consumer complaint received 2016-07-01
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Bridgecrest Acceptance Corporation (CO)

I was contacted this morning regarding my delinquent auto loan. I am past due {$460.00}. I have been asking for a deferment on this payment for months. Every time I contact the company asking for assistance I am told no. So I have continued to make my required monthly payments. Today, I was contacted by a representative and was told the my car was actively out for repo and that I had to make a payment or they were coming to get my car immediately. So I set up a payment that I can not afford. Shortly after this phone call I received an email from the company offering me a deferment on my past due payment. So I called back hoping for some assistance and I spoke a representative by the name of XXXX. I advised him of the email that I received and expressed that I would like to take advantage of that offer. He told me that the email is just a suggestion and that my account did not qualify for a deferment. I told him that the email stated that I did. I then requested to speak with a manager at which point he told me that he would submit my account to a manager queue and a manager would call me back at some point. XXXX representatives were extremely unfair, deceiving and abusive. The representative by the name of XXXX stated, " Go ahead theaten me, I ai n't doin ' nothin ' wrong. '' when I advised that I needed to speak with a manager.
Consumer complaint received 2016-04-14
Product: Credit card — 
Issue: Rewards — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had opened Spark Business Credit Card by Capital One Bank on XXXX/XXXX/16 and had limit of $ XXXX due to excellent credit and done transactions total of {$120000.00} on this credit card. The problem was that our business checking a/c at XXXX XXXX XXXX had ACH Filter to stop ACH transactions which are not part of " allow '' list to stop fraudulent transactions. 

Hence, the payments we initiated through web portal of Capital One got denied to our checking a/c due to ACH Filter. In order for XXXX XXXX XXXX Bank to add ACH Originators to " allow list '', they needed originator 's ACH Company ID number. I contacted the customer service of Capital One to get their ACH Company ID number but they were not aware of what this was and why it was required. Due to difficulty we encountered with Capital One, we decide to initiated the payment to our checking a/c held at XXXX XXXX and hopefully we shall finally get that ID from XXXX XXXX when XXXX XXXX rejects that ACH. The payments we initiated through web portal of Capital One got denied to the business checking a/c due to ACH Filter that account. 

Few days later due to unsuccessful attempts to get Capital One 's ACH Company ID, we decided to use our money market a/c with XXXX XXXX that had no ACH Filter and all payments were cleared successfully at every attempt to this money market a/c with XXXX XXXX. 

Also customer service of Capital One did conference call with XXXX XXXX XXXX three times to verify the funds and validity of account. 

Last week on XXXX/XXXX/16, Capital One bank decided to close the account stating fraud fraud suspension and saying the accumulated cash rewards {$2300.00} automatically get forfeited. 100 % of the outstanding amounts was paid in full before due date. 

Capital One bank is not fair by denying to pay us the accumulated cash rewards of {$2300.00} despite they charged merchant fees to vendor whom i purchased the goods from. 

If Capital bank is not willing to reinstall/active my credit card, then in all fairness they should : a. Mail me check of {$2300.00} cash rewards as they earned full fees from the merchants that i purchased goods/services and they got paid by me in full before all the due dates.. b. Ensure that my credit rating is not affected in any manner I must have talked to Capital for 4-5 hours on 7-9 calls ( including XXXX supervisors ) since we encounterd the 1st problem. Also was surprised to come to know during one of the conversation with their supervisor that the XXXX conference calls which we did with XXXX XXXX to verify funds were not on record with Capital One despite they ( Capital One ) made immediate credit available!!
Consumer complaint received 2017-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (NJ)

I have on several occassion disputed my Federal Loan Servicing with XXXX and XXXX. Both credit bureaus keep coming back stating they verified that they were verified as such. My student loans were never discharged under Chapter XXXX bankruptcy and they could not provide me the proof from their source. I called Federal Loan servicing my self on XXXX/17 and was told the credit bureau never inquired about my loans and that they were consolidated and paid. I have been paying my loans each month since 6 months from graduating. I did fill out Fed loans dispute form and sent them a copy of my credit report showing them what the credit bureau has on them and they stated they were going to call them to correct the information. I do n't think I should have had to go this long with no proof from these credit bureaus to remove this information when they know by law student loans can not be discharged only under certain circumstances which I do not fit under. They have damaged my credit further by not doing their job. XXXX also had it on theirs but is no longer there so they did their job. I lost XXXX points when they put this on and I want it fixed. XXXX will no longer give me the option to dispute.that information.
Consumer complaint received 2016-06-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NC)

Experian continues to list " XXXX XXXX '' on my credit file. The XXXX account I had was closed with XXXX Military XXXX and they continued to charge me after the fact. The account was turned to collections and XXXX will not respond to my phone calls regarding this account. Thus, it must be deleted from my credit because the original creditor does not own the account.
Consumer complaint received 2016-04-14
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Onity Group Inc. (MD)

false statements or representation fraud under the control of XXXX XXXX, XXXX XXXX, XXXX XXXX of XXXX XXXX XXXX. 
" This is business as usual for all the big banks, '' XXXX said, referring to the manufacture of mortgage documents out of whole cloth in order to establish legal standing to foreclose on homes. 

The appearance of apparent " wet ink '' signatures clearly means that the pretenders have graduated to more sophisticated forgeries of documents using the miracles of modern technology. 
This is exactly what the XXXX appellate judges said when I listened in on an appeal -- that they had several occasions in which on the same docket, XXXX completely unrelated parties both claimed to be the holder of the original note and both claimed to have the right to foreclose. The appearance of apparent " wet ink '' signatures clearly means that the pretenders have graduated to more sophisticated forgeries of documents using the miracles of modern technology. 

XXXX XXXX XXXX XXXX as attached she admitted to the types of activities that indecomm global services are involve IN around the counties around MARYLAND XXXX XXXX XXXX XXXX as attached she admitted to the types of activities that indecomm global services, con conspiracy XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. is a MARYLAND State licensed attorney as co-conspirators as attorneys debt collector for Defendant XXXX ' member XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NA as successor to XXXX XXXX XXXX XXXX as trustee FOR XXXX XXXX????, ocwen loan servicing mortgage ( assignments from indecomm global services and claim are worthless. ocwen loan, jp morgan, XXXX are involve IN around the counties around MARYLAND
Consumer complaint received 2016-04-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (PA)

PNC manipulated the order in which they processed transactions in order to gain fees they were not due. They then refused to refund the insufficient funds applied on an account which had not overdrawn at all. They cited XXXX instances where they refunded fees. Once was because my husband 's payroll check company changed and they did not notify us until the Tuesday before and it was too late to cancel bills which were scheduled. I was very grateful they overturned that charge. The second time we were overdrawn by XXXX. I did not request they reverse the charges, they did it on their own. The entire correspondence is documented and will be attached.
Consumer complaint received 2016-11-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (MD)

I left the country on XXXX of XXXX but before I cancelled an account I had in XXXX XXXX XXXX because I 'm going to back to the XXXX to finish my studeis. I knowing that everything was fine. I stayed there untill XXXX but I came back to the XXXX in XXXX of XXXX and XXXX of XXXX. The both times I came to visit I stayed at our house that my family owns since XXXX. None of those times I came back did I get a letter from XXXX XXXX XXXX of any delinquent account I have from them or did I get any messages. I moved back to the States in XXXX with my fianc and opened another cellphone account from XXXX XXXX XXXX. It was a couple of months later that I started getting phone calls from different number on my new cell phone. The person that I talked sounded like she was scamming me because she was from a debt collection company said that I owe them money and asked how I want to pay for it without a thorough explanation. I was skeptic because my mother has been getting calls from a guy pretending to be a cop and asking for money. I never paid attention to their call until I saw my credit score go down. I 'm planning on purchasing a car and I 'm afraid with a credit score that I have now I wo n't get a good deal. When I talked to XXXX if their representatives they allegedly said that they 've been contacting me since XXXX after XXXX XXXX XXXX transfered them my account which I highly doubt because I was in town in XXXX and my mother has been here the whole time so she would 've gottten their message or even from XXXX of XXXX XXXX XXXX 's representatives way before they transfered what I owe to EOS CCA debt collection company. What I owe is not thousands of dollars but it goes against my morals
Consumer complaint received 2016-04-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE (WV)

Approximately 3 years ago I opened an account with Huntington bank and have been in good standing with them until recently. On XXXX/XXXX/2015 Huntington Bank allowed and unauthorised transaction to take place for over {$1700.00} by XXXX XXXX a car. In no way, shape or form did I authorise this transaction nor anywhere in the area remotely close to that amount. Moreover I specifically went to see my personal Banker about one month prior to this transaction and personally opted out of any overdraft protection for fear of something like this would happen. As soon as I caught the fraudulent transaction I immediately contacted the bank. After a week or so I went to see my personal banker and he made some phone calls regarding the travesty, I do n't know who he was speaking to but he did remind whoever it was that I had no overdraft protection, and made reference to a small transaction sometime ago at XXXX which was denied due to insufficient funds. He actually was arguing and at one point, pointed out about how a small grocery transaction could be denied but yet a {$1700.00} could slip through. For whatever reason the person on the other end, cut the conversation short, and I was given an excuse for them allowing it. It through me into such a daze, I cant even remember what exactly was said. I formally disputed the matter sending XXXX XXXX several document via email showing what it was XXXX had been doing. Long story short both the bank and XXXX had been making banking mistakes and I should not have to be the one paying for it. I have struggled most of my life from XXXX issues which in turn caused me problems to ruin my credit. I have been doing well for several years now and have been making some headway in trying to repair my credit, I wanted to try and buy a home here as a first time home buyer but now I cant even get a car loan. It has brought me to the point of XXXX because of all the financial hardships Both Huntington and XXXX have caused, I would never authorise and amount that I could n't cover and every single time I called XXXX, I made XXXX well sure the money was there at the time to cover it, as I did with all business. 
I returned the car in better shape than it was when I rented it.
Consumer complaint received 2016-07-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

My wife died on XXXX XXXX 2016. Soon after this various checks and debit transactions began hitting my account and they were not incurred by myself. During this period my dead wife 's XXXX card and some checks were taken without my knowledge. During this period I was under a tremendous amount of stress and did not catch them at first. When my eldest son ( he has POA over me ) brought them to my attention I contacted the bank IMMEDIATELY! Then my bank ( formerly Metro Bank ) First National Bank of PA I received somewhat of a run around about POA papers for my son and that by the time they looked at my account ( seemed to be a lot of foot dragging ) that more than 60 days had passed and that they were no longer responsible for the bad charges and while police were notified about the thefts from my account the bank stuck to their 60 day claim and I have yet to see picture XXXX of any of the transactions that were committed including ( XXXX ) XXXX checks in approximately 2 weeks. I was returned {$1100.00} but I feel this is totally inadequate and I want the guilty people prosecuted
Consumer complaint received 2016-11-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

I attempted to purchase electricity from XXXX XXXX after they confirmed my eligibility and paid a deposit of {$220.00}. The next day I was informed that they could not provide me power in my location. I spent the next 9 months attempting to get my money back ( several phone calls a month ). I eventually went through the credit card company I used to pay for the deposit to get my money back. They immediately charged my card again, plus {$25.00}. I went back to calling them but could not get any answers. The best I got from someone was that 'I never paid them a deposit to begin with '. He could not explain the fact that I had a credit card bill that said differently. I went through the credit card company yet again, and this time changed my card number and went through all of the hassle that that entails. 2 months later I began receiving electric service cutoff notices with varying amounts owed ( bear in mind they were never able to provide me power in my area in the first place ). After about 6 months I was informed that they had sent me to collections for, from what I could tell, an arbitrary amount of {$60.00} ( they never could tell me where the extra {$25.00} came from or any other charges ). After another several months, I have finally gotten them to drop the case. By now, my credit has been significantly affected. I am still trying to go through the bureaus individually in hopes of fixing this issue.
Consumer complaint received 2017-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

XXXX XXXX is reporting negative account information on an account that has been " PAID IN FULL '' that has been paid in full since XXXX/XXXX/XXXX. XXXX has reported to all 3 credit bureaus stating this account for a XXXX XXXX XXXX is in a " LATE PAYMENT ' status as well as the account being " CHARGED OFF ''. This is conflicting information and is incorrect as this account should reflect PAID IN FULL with NO LATE PAYMENTS, it is not possible to show late payments or a charge off on an account that has a PAID in FULL letter along with a SIGNED TITLE by XXXX. This has caused my to be in a crisis of almost loosing my house since I am not able to refinance due to the negative reporting from XXXX.
Consumer complaint received 2016-12-09
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Meade & Associates, Inc. (OH)

I have an unverified account from MEADE & ASSOC. I had previously disputed this account. I have never done business with MEADE & ASSOC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that MEADE & ASSOC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MEADE & ASSOC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2016-08-12
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: PENTAGON FEDERAL CREDIT UNION (GA)

I Applied Penfed platinum rewards XXXX signature card on for XXXX/XXXX/2016 I was approved for the card 24 hours later I was declined and the reason given was application was built in error I immediately called up to find out what was going on they did n't know. The representative resubmitted the application it came back approved because were service rep said that the card would be mail in out XXXX to 10 days. I logged to my account and noticed that the account had disappeared from the Account screen. I am mediately called and spoke to customer service representative that informed me that my account was closed and could not give me a clear reason why it was close. Section XXXX of the XXXX which mandate that financial institutions verify certain information about applicants, including name, legal address, date of birth and Social Security or Tax Identification Number, while processing account application.
Consumer complaint received 2016-07-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (VA)

I had XXXX accounts with Santander. Both have been paid off, but Santander continues to report an outstanding balance even though I have informed and disputed. Account XXXX was repossessed XX/XX/XXXX and I paid settled the charge off XXXX XXXX. I even filed with appropriate tax document earlier this year. XXXX was paid off over a year ago and I possess the title. I have attached all supporting documents. I can not understand why Santander refuses to report accurately to the credit reporting bureaus.
Consumer complaint received 2016-09-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Globe Acceptance, Inc. (TX)

Globe Acceptance, who purchased my auto loan, refuses to provide statements of any kind and will only tell me my balance over the phone. I had requested and received on a few occasions a ledger, but they have told me that I will receive nothing further in terms of documentation regarding my loan. I was told that my XXXX bank statement served as record of payments to them. My loan is current and I have never been late or missed a payment.