davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MA)

I took out a private loan while attending XXXX in XXXX PA with XXXX XXXX after being told I had to or go home that night, I was told it was my only option. I signed the documents not knowing or understanding the terms of the loan, i feared i was going to lose everything I had worked for up to that point. When I found out the loans were being charged over 20 % interest after I left school I tried to get them at a lower rate but no banks wanted to touch them. I finally got XXXX XXXX to reduce the rates to 13.5 % but it still was n't enough. I continued to struggle and for 31 months I was unemployed and my only option provided by them was forbearance. When I went back to work I continued to struggle to pay the loan. Fast forward to now and recently I spoke with a manager at the new branch of XXXX XXXX, Navient, name XXXX XXXX. He told me info for the first time that was denied to me for the entire time I was struggling with payments, my original loan amount being the {$21000.00} and that I had paid {$43000.00} on the loan while I was making the payments. He also informed that I currently owed " a little more than {$26000.00} '', after the initial rep said {$28000.00}, and that I was scheduled to pay {$350.00} a month until XXXX of 2029, this totaled {$100000.00} on the original {$21000.00} loan. I then told him I 'd like to settle but he said I 'd have to make a payment of whatever amount I committed before it would be accepted. I told him I 'd have to see what I could make available and after number crunching the loan amounts the payout on the loan, it would have been a total of {$46000.00} by the initial rates had I been on time and rated at the 10 years I thought it was. I thought I would then offer the difference of ehat i paid and the original loan, was informed it was actually 15 years and it 's been XXXX so I was confused why it was still so high if 6 years from now is the pay off but I 've already paid almost everything? I tried for several days to reach XXXX XXXX but he was unreachable, he called back once after I had left a message saying I 'd be unavailable after a certain time, coincidentally it was during that time. I decided to call the main center they have set up and was continuously told he 'd be on the line soon when a woman named XXXX XXXX picked up. She was n't interested in numbers nor my offer to pay the remainder of the original note citing the forbearance as the reason it once again inflated to XXXX. I was told I could set myself up again in a program to pay it off but I ca n't continue to struggle and get no where in this loan, i need help ...
Consumer complaint received 2016-02-17
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (TX)

To Whom It May Concern : On XXXX XXXX 2015, I sent {$200.00} to relatives in XXXX. I mistakenly wrote the receiver name as XXXX XXXX instead of XXXX XXXX. According to Western Union, the name that I had used is the name of an individual that is in a Global Sanction List and that XXXX needed to go back to the Western Union Office and bring a copy of his ID so that they can fax it to XXXX. I explained to them that XXXX XXXX had brought his ID when he went to pick the money and he was simply told that the money was not available for which they had no answer. XXXX went back following the instructions that Western Union had provided me but he was told that there is nothing they could do because they had no fax machine. I then requested that the money be refunded to me, which Western Union agree to first and then they decided not to without any explanation. From XXXX XXXX to around XXXX XXXX, Western Union went back and forth about what they could and could not do to help solve this matter. When I realized that they simply were wasting my time and nothing was getting done, I requested that all communication was done via email. On XXXX XXXX of this year, XXXX found someone in town that has a scanner that scans better quality images and as soon as I received those images I sent them again to Western Union twice but I have received no answer. 
I will take this case public but have been advised to first file a formal complaint. 

Respectfully, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2015-09-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TX)

I applied for a checking and savings account with Wells Fargo Bank. They approved my application and opened up my checking accounts. A few days later they closed them with no explanation. I do not think it is right for them to approve and open checking/savings accounts and then close them within a few days. If Wells Fargo finds information on a customer that does not meet requirements for the bank, then they should not approve them at all. I was really needing this checking and savings account and they have not practiced professional business practices.
Consumer complaint received 2015-12-29
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

Capitol One Bank calls MULTIPLE times a DAY. They never leave a message as to what it 's about or how much is owed or where to send payment. Instead they call relentlessly. I know it is them because I had to put a block on my phone. Every time the phone rings its them.
Consumer complaint received 2015-07-20
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (IL)

I had a HAS account set-up with Wells Fargo since XX/XX/XXXX. Starting in XX/XX/XXXX, I started to pay a monthly maintenance fee of {$4.00}. In XXXX, I decided to move the balance to another provider who would not charge me the monthly maintenance fee. The balance was transferred from Wells Fargo and they ended up charging me another {$25.00} account closing fee. This fee was never disclosed to me nor has the customer service reps at Wells Fargo been able to provide me with a reason for this fee. I am left with no option but to try and recover this overcharge by this bank via the Consumer Financial Protection Bureau. I keep paying fees to this bank and there is no end to it. 

I have also tried to get into the Wells Fargo account information online but the firm has turned off all my access to it and I am unable to attach an online statement for your review.
Consumer complaint received 2015-12-30
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have nothing in collections. XXXX is not in collections. XXXX and XXXX need to update my credt report immediately. 

My balance with Capital One is {$300.00} less then the aount on y report. 

XXXX XXXX should take off 1 late pmt. I spoke eith them at length before the late pmt. I am on timevwith pmts.
Consumer complaint received 2015-04-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

My name is : XXXX XXXXLoan # XXXXAddress of Complaint : XXXX XXXX XXXX XXXX XXXX, XXXXI am requesting Wells Fargo Home Mortgage to send me a typed letter response of how much money was credited to the Principle for XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I have not been able to determine with clarity this information from your job control print outs. Again I am requesting a typed response that directly states how much principle was paid on this loan at the end of each year from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX. I am also requesting to know in a typed response how much money each year was held as non applied each year and for how long and how much money is still being held on this loan as non applied payments. I am also requesting exactly why are payments being taken and not applied when they are received and cashed by Wells Fargo Home Mortgage. 

XXXX XXXX
Consumer complaint received 2015-06-02
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (VA)

When I am sending money from Western Union using Mobile application, they are giving different/lower rate, while when I send money from Westernunion.com website. It shows different rate. 
I thought mobile app is only for purpose of making it easy as Western Union never mentioned about rate differential/reduction if we are transferring it via mobile app.
Consumer complaint received 2015-11-12
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Credit & Collection Corporation (LA)

The company Global Credit and Collections aka XXXX aka XXXX are trying to recover a debt that I forgot I had it was over 16 years ago, or I may have paid it. I got a phone call, missed it and over heard the voicemail. Days before I received a letter which I notice had me to pay overXXXX, never had debt like that.
Consumer complaint received 2016-02-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

I resubmitted my application on XXXX XXXX, 2015 to have my loan reviewed for a modification. I have been trying to reach my assigned representative XXXX XXXX and have not been able to reach her. I received a letter on XXXX XXXX, stating my request was closed due to missing document. Until then, I had not been advised that there were documents needed to complete my request. I would of sent them in had I just been informed.
Consumer complaint received 2016-01-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pinnacle Credit Services, LLC (SC)

XXXX XXXX continues to send this account to collections and this bill has already been paid. XXXX has tarnished my credit by doing so and it is a shame and disgrace that this unfair, and unethical practice by this company. They continue to send it from one collection agency to another. I would like for this to cease. I have proof in my financial records that this bill was paid in full.
Consumer complaint received 2015-11-12
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

My credit report is absolutely perfect, other than this error, showing a 30 day past due payment on a Kohl 's card through Cap One. I am not a slow payer or having financial difficulties. There was an issue with my checking account, where the bank mis-posted a cash deposit to the wrong checking account. This caused my Kohl 's payment to bounce and I went past due because they had the wrong phone number on file for me and could not reach me. Since I live in the XXXX, I only get my mail weeks later. When I found out about the issue, I immediately made payment and advised Kohl 's of the bank issue. I disputed this with Kohl 's and they refused to fix it. I had my bank send them a letter explain that it was not my fault. I thought that with this letter Kohl 's would have cleared up the matter, but I just pulled my report and it is still on there. When I called Kohl 's they said that even though I attempted to and had all intentions of paying and was victim of a bank error, they will not correct my credit bureau. I am not asking anyone to fix something that was my fault. If XXXX bank causes an issue, that should count. They claim they are not permitted to change the reporting unless it was their error. I just do n't believe that is a fair practice and I suspect that is not a rule they apply consistently because others, report on line that having proof of a bank error should and does result in the credit bureau being corrected. I do n't know what to do next, but try this route in hopes that you agree that I am not being treated fairly.
Consumer complaint received 2015-11-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I checked my credit score recently after i had some things removed that were negative marks on my credit and was told by credit bureau my credit score would go up. I had a XXXX score at the time and score went down instead to a XXXX currently which I believe should not have happened. when you clean up your credit which I did credit should improve. I talked with the credit bureau of trans union and they just kept telling me the score is correct. If you examine my credit you will see all my bills are up to date paid and only 1 recent late pay XX/XX/XXXX. No judgements or derogatory marks are on my report at all. How could my score go down when you get the bad things on your report removed? Please look at this and have transunion correct this problem. Thank you.
Consumer complaint received 2015-06-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Norwich Commercial Group, Inc. (CT)

I have had the same mortgage payment since purchasing my home in XX/XX/XXXX. In XX/XX/XXXX I received a mortgage payment statement increasing my payment by about {$300.00}. When I attempted to call the lender it took three days to get in touch with anyone. Finally I was notified by the lender that I was sent an escrow analysis ( which I did not receive by mail ) and they have found there was an error made and for the past two years they have been not charging me enough PMI and now I owe the difference for the past two years, therefore significantly increasing my monthly payment. I can understand small increases due to insurance or taxes, but because of an " error somewhere '' I am now unable to afford my mortgage.
Consumer complaint received 2015-04-20
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: Cadence Bank (MS)

Hello, I am disputing the charge of {$1000.00} charged on XXXX XXXX, 2014 by merchant XXXX XXXX with my bank ( Bancorp South ). For detailed information please refer to the attached document. 
Best Regards, XXXX XXXX
Consumer complaint received 2016-01-30
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAVALRY INVESTMENTS, LLC (CA)

I am a victim of Identity theft XXXX Police Number XXXX I submitted in my police report that was taken by a police officer and provided it to all XXXX credit bureaus as it relates to XXXX XXXX Account Number XXXX.The account was removed however a collection agency placed themselves on my credit. 

I was not contacted by the collection agency but I have contacted them and they continue to ignore me and report the account. XXXX XXXX XXXX Account Number XXXX on my credit.
Consumer complaint received 2016-01-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Springer Collections Inc. (MN)

XXXX/XXXX/XXXX - Received a bill from XXXX XXXX for {$220.00} XXXX ( a XXXX debt collector ) reported this debt on my credit report although I have never received any communication directly from XXXX. Apparently they assigned the collection to Springer Collections ( a XXXX debt collector ) as I was a XXXX resident. 
XXXX/XXXX/XXXX - Received a collections notice from Springer Collections for {$220.00} XXXX/XXXX/XXXX - Sent my HSA account debit card information to XXXX to settle the debt of {$220.00} XXXX/XXXX/XXXX - Called Springer Collections to confirm they had received my payment information because there had been no transaction on my account. They told me the card had been declined. I asked them to run it again and they told me that once again it had been declined. It turns out that Springer Collections can not take an HSA payment which is why it was declined. They agreed that I pay XXXX XXXX directly. 
XXXX/XXXX/XXXX - Called XXXX XXXX and paid outstanding balance of {$220.00} XXXX/XXXX/XXXX - Called Springer Collections to let them know that I had paid the outstanding balance. They informed me that they would get confirmation from XXXX XXXX ( via XXXX ) and close my account. 
Some days later I talked with XXXX XXXX XXXX at Springer Collections to confirm that everything was in order. He told me that XXXX had informed him that there was still an unpaid balance of some {$95.00} - they did update the credit report item from the original {$220.00} to {$98.00}. 
I have followed up several times with all parties : XXXX are clear that my account has been paid in full, XXXX refuse to talk to me, Springer XXXX XXXX XXXX XXXX keeps telling me that I still owe some {$95.00}. 
XXXX/XXXX/XXXX - XXXX XXXX of Springer Collections called me. He told me that XXXX still showed that I had an outstanding debt of {$95.00}. I told him that I had paid the bill in full and that if there was an outstanding debt he should send me the proof - he refused. He said that he had looked at my account on the XXXX XXXX website ( surely a HIPPA violation ) and he said it showed an outstanding balance of {$95.00} - this is not true - the balance shows zero following the payment of $ XXXXthat I made on XXXX/XXXX/XXXX to XXXX XXXX. 
XXXX continue to report a non-existent debt on my credit report. 
Springer Collections XXXX XXXX XXXX XXXX continues to insist that I pay a non-existent {$95.00} debt. The tone of XXXX XXXX 's communication on XXXX/XXXX/XXXX, when he called me, felt like I was being harassed.
Consumer complaint received 2016-01-12
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (LA)

Ocwen is reporting to the XXXX major credit bureaus incorrect and very damaging mis-information. 
We have given them the opportunity to correct their error but we were only met with a standard form letter stating they are correct. We even sent proof from our online account pay history ( which will be included ). 

Specifically, they are reporting to the XXXX big Credit Reporting Agencies that our Mortgage was 180 days late for 7 months, which is absolutely false. From XXXX XXXX until XXXX XXXX they would not accept any regular payments from us. Our mortgage is a VA backed mortgage and during this entire timeframe we were in a " modification '' stage with Ocwen. In this timeframe they sent us several incorrect items of paperwork with little to no instructions. We had these paperwork items signed and notarized each time ( 3 times with about XXXX separating their reponse each time ). It is very clear to us, or anyone that can see the communications between us, that they were intentionally stalling the modification process in order to rack up fees and charges for themselves as well as to apparently ruin our personal credit. 

Ocwen is NOT out to help anyone but themselves! The actions by this company are seriously criminal and should be followed up on in a serious manner!
Consumer complaint received 2015-12-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

My mother had a Capital One card, few hundred dollar balance. She became ill, XXXX XXXX, did n't think straight. Did n't pay the bill. I was on the card, too. They refused payments, sued her, and set up a payment plan. They knew she was dying. The last payment - through a court! - they claim was n't made despite it being thru the court and the court having a record of it. Thus, I now owe them a fortune like {$7000.00}. Basically, they just refused to cash the last check, did n't ask the court to send another XXXX, so they could go after me a few years later. 

Now I am sick and uninsured. I will be garnished if I could work. I do n't know what to do. 

Also, they served us the papers at a fake address. Despite knowing our addresses just fine ( listed phone numbers! ) when ti came time to collect.
Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NY)

I was a tenant at XXXX XXXX XXXX  for approximately four ( 4 ) years from on or around XX/XX/XXXX to XX/XX/XXXX. Sometime before that, disagreements between myself and the Management Company -- XXXX XXXX -- resulted in that Management Company deciding not to renew my lease and -- given that I wanted to leave anyway due to severe environmental problems/ AIRBORNE MOLD -- that I had became aware of -- I decided to leave the property without contesting the matter. Simply put, the " breakup was somewhat amicable '' and I left without any major disagreement between myself and XXXX XXXX XXXX. The morning that I was leaving, I gave said company my forwarding address and the keys to the apartment. The Property Manager told me she would have my security deposit sent to my new address. Since that time I have not seen any security deposit come to me. Management decided not to inspect the apartment despite having the time to do so, and I decided not to require management to inspect the apartment. My reason for this action is because management had been to my apartment on numerous occasions with various persons some purporting to be " inspectors and engineers '' -- and had seen the problems with the MOLD infestation inside the apartment. Now I have been sent a Collection Company letter where this management company is " attempting to collect a debt from me ''. There is no reason to be sending me a Collection Letter -- dated XX/XX/XXXX -- when I vacated the apartment on XX/XX/XXXX. At the time that I vacated the apartment, there was absolutely no damage to the apartment other than that done by the MOLD. 

The only possible reason that XXXX XXXX XXXX / XXXX XXXX could be seeking to pursue such action after more than two ( 2 ) months of me leaving is to " create a defense '' or at least " some smoke-screen '' to defend themselves in case I should pursue legal action for the airborne mold that I inhaled while a tenant at this housing complex. At this point in time, I wish to preserve my right in case it is determined that the mold caused damage as I had to seek medical attention from a XXXX  while a tenant at this housing complex. 

At this point I wish to demand that XXXX XXXX XXXX XXXX XXXX CEASE AND DECIST from any action such as sending me collection company letters or ANY form of legal action, action that is resulting from frivolous attempts to obtain some sort of protection as I informed this management company that since they had prior knowledge of this environment hazard, they should have informed me of it so I could decide whether I wanted to live there or not. There is no other reason for this or any other action by XXXX XXXX XXXX XXXX XXXX XXXX to sending me ANY form of legal letters or collection letters. Oh, and until now, I have not received my security deposit which was promised to me more than three ( 3 ) months ago.