davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I received an update on my credit reports stating that I owed capital one auto finance XXXX for a auto loan that was not in my name. My name was fraudulently added to this account and I have provided evidence to the company in form of a filed police report stating that I have not opened an account with this company. This account has been reporting on my report for 7 years now. I can not get extended credit due to this account inaccurate reporting. I have tried everything possible to resolve this issue my next step is to file a lawsuit against capital one for their unethical collection practices.
Consumer complaint received 2018-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (WI)

The company that has been attempting to collect a debt of {$98.00} from me is called IC System. Their website is www.icsystem.com and they are attempting to collect this debt as an agent for XXXX, the phone company. The debt is under a different name than mine, I have never had a XXXX account, and I 've told them this several times. They even reported it to the credit bureau and it was added to my credit report. I contacted the credit bureau and they removed the debt from my credit report as it is not under my name. Somehow they have it tied to my social security number and are again contacting me via phone and mail threatening to report it to the credit bureau again. I just called the company and spoke to XXXX XXXX ( supervised by XXXX XXXX ) who told me that they would continue to report it to the credit bureau and would not remove my social security number from the debt. He recommended that I keep disputing it every time they report it to the credit bureau and said that was my only option of recourse. That simply can not be true. Any help/advice would be greatly appreciated. 

Thanks.
Consumer complaint received 2018-01-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

XX/XX/XXXX XXXX XXXX payment XXXX XXXX XXXX XXXX both were taken out with a positive balance on XX/XX/XXXX got email from Webster bank saying in sufficient funds but account showed positive balance
Consumer complaint received 2018-01-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (ID)

This is the second time this has happened to me. I place a limit order buy/sell then the order gets stuck in pending for hours or days. First time took a week to settle and lost alot of money because of it. This time I am on hour 5 ... we will see how long it last. This all took place on the XXXX exchange on XXXX/XXXX/XXXX. The last time happened on XXXX/XXXX/XXXX. When I tried to get help through their process the first time i got no response at all. Even after the settle. I actually did n't get an email from them until about 8 days ago and the response was that they say no problem so no action was taken.
Consumer complaint received 2018-01-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX I reviewed my credit report and found items related to identity theft I HAVE SENT POLICE REPORT, FCT REPORT PROOF OF MY IDENTITY & NOTARIZED AFFIDAVIT to Capital One for this in accurate account XXXX and specific amount {$500.00} I am citizen of the unites states of age, would like to make a complaint because for this specific account they apparently do not care about consumers rights for identity theft. I have made several attempts contacting the agency disputing fraudulent accounts. They refused to Delete & consider the ( FCRA ) FAIR CREDIT TRANSACTION ACT CONSUMER FINANCIAL PROTECTION BUREAU OF CALIFORNIA CREDIT LAWS Sections 605B,  XXXX ( f ), 623 ( a ) ( 6 ).
Consumer complaint received 2018-01-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NV)

We received ourmortgage from XXXX XXXX XXXX in XX/XX/XXXX.We have never fallen behind on my payments until I experienced two major medical issues, one of them is XXXX which I am receiving XXXX treatment for. I have applied 3 times to XXXX XXXX loss mitigation department to get help with my hardship because I do n't want us to lose our home. We are elderly and need help from our lender to get current and start making mortgage payments again. Each time we have been denied for assistance because the investor refuses to grant us a trial modification for no reason other than they would rather foreclose. We received this mortgage from a public lending institution during the period of time from XXXX - XXXX that mortgages were considered predatory and should receive mortgage assistance if experiencing hardship. We meet all criteria and guidelines that the federal government put forward to keep people like us from losing our home. I know HAMP is now expired, but it was n't expired when we first asked for help, and they still refused. Most recently we spoke with XXXX XXXX who told us clearly that the investor, XXXX XXXX XXXX, will not allow SPS to grant us a trial modification. Please help us.
Consumer complaint received 2018-01-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MI)

I opened my Home Depot CC on XX/XX/XXXX and bought {$2900.00} worth of material for my house on a 0 % for 24 month offer. I made the minimum payment in my statement until I knew I was going to pay it all off in full before the due date XX/XX/XXXX. Because I was naive to the fact it was mandatory to pay the minimum I was late paying in XXXX, XXXX and XXXX. I paid the card off In full in XXXX. It was an honest mistake and my first 60 and 90 day late payments on my credit report. I 'm asking to get those removed so my score goes back to normal so I can renew my business with Home Depot. Thanks!
Consumer complaint received 2018-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (TX)

Refer to case number XXXX copy enclosed Recived foreclosure notice, copy attached. XXXX XXXX cashed most payments then returned last payment demanding a {$22000.00} payment. I retained another lawyer. Letter attached. Foreclosure set fo XX/XX/2017.. XXXX XXXX have been devidingmy payments, taking payments for Tax escrow despite the fact that taxes have been deferred because of homestead exemption of elderly XXXX owner. One rep of Fay told us to carry our homeowners insurance. We got our own coverage. Fay sent notice stating that they would pay for insurance. Now we were paying for insurance and Fay was charging our account with insurance further deleting our applied payments meant for the mortgage. please see attached.
Consumer complaint received 2018-01-16
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (GA)

I have a second mortgage with Citimortgage. In XXXX 2017 I called Citimortgage and told them I lived in an area that had been impacted by Hurricane Erma and I was requesting help from Citimortgage while I got back on my feet financially. The customer assistance rep was polite and told me they would be happy to help and transferred me to the " help Line ''. I talked to a woman who identified herself as XXXX, when I explained my situation to her and the fact that my daughter was in pediatric intensive care with life threatening XXXX, she laughed and told me that my personal problems were not Citimortgages concern. She then began a long monolog about refinancing my mortgage and prequalifying and filling out required forms and I hung up. Since Citibank has me locked out of my account I have not been able to make a payment since XXXX. My current balance is about 3600.00 My monthly payment is XXXX. I do n't dare send them a check or money order. They do n't get credited to my account. I did not choose Citimortgage. My mortgage was sold to them. I have never gotten decent treatment from and have been charged late fees for payments that were not late. I can not provide proof because I can not access my Citimortgage account. Oh, my requested was not just whining. My daughter has been to the ER six times since XXXX and four of those trips resulted in extended hospital stays.
Consumer complaint received 2018-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SUNTRUST BANKS, INC. (AL)

I opened a checking account at Suntrust Bank with my mom on XX/XX/XXXX because my sister was stealing my mom XXXX with the other account she had opened with my sister. I tried to access the account online on XX/XX/XXXX and both accounts were listed. That is not a problem because XXXX XXXX at the branch where we opened the account said we needed to do that because my mom 's ssi check was going to be deposited on the XXXX and we would not have time for then to make that change. So, I agreed. On the afternoon of XX/XX/XXXX, I tried to access the account again. This time only the old account showed up. I tried several times and same thing. I call customer service and they indicated that the account was being terminated with no other explanation except I would get a letter and they would mail the funds to my mom. I asked to talk with someone from the fraud department and they said I could not talk with them which is XXXX!!!!!! I ask again and she told me to talk with a branch which again is XXXX. how are they going to know. 
my sister steals thousands of dollars from my mom with no fraud and im trying to take care of my mom and im trying to do the right thing and they freeze her account. I am beyond XXXX right now. the account had {$2100.00}. I get no phone call, not questioned when opening the account, nothing. I have read this happening to other people as well, but when it really does happen example my sister they do n't do XXXX. I want you to know this is the nice version my wife would n't let me send the other.
Consumer complaint received 2018-06-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

I received American Education Services private loan information from my credit union back in XX/XX/XXXX. This entire time I believed American Education Services was my loan originator. I sent them a letter in XX/XX/XXXX to settle the current debt owed which is {$24000.00}. I have two separate loans that are on one account and I make one payment of {$270.00} each month. My offer was to settle the balance with a one time payment of {$18000.00} and for it to be charged off the account and set as paid in full with no penalty. I called American Education Services later in the month to see if they'd received the letter and they said yes. I asked when would a decision be made. The representative did not have answer because it was sent to the loan originator. I was told that XXXX was the loan originator. I asked the representative what XXXX stood for and she could not tell me. She also mentioned that I am on a variable month to month interest rate. This month ( XX/XX/XXXX ) my rates are 7.61 % and 7.36 I XXXX XXXX   and found it is XXXX XXXX XXXX. I tried to locate contact information for the company and could not. I called American Education Services one week later to obtain XXXX 's contact information and was informed that I was not allowed to have the loan originators information. I am requesting assistance with settling my debt through this loan originator. I have been paying on this loan since XX/XX/XXXX. Thanks in advance for your advice and assistance.
Consumer complaint received 2018-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

XXXX XXXX 2018. Citi bank website and mobile app displaying my checking account balance as follows Available Now : {$10000.00} ( " Available Now '' is the amount in your account that is available for withdrawal .... ) On Deposit : {$11000.00} I called to Citi bank branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX to notify about withdrawal of {$10000.00} prior to visiting branch. 
At the branch teller under the supervision of supervisor denied to do the withdrawal of {$10000.00} because they believe that the check of {$7000.00} that I deposited on XXXX XXXX at ATM is still pending. I told them that money is showing available on website, they told me that it is not available for withdrawal it is available for debit transaction (? unclear ). 
Website and app clearly states " money available '' means available for withdrawal. 

Called customer support, after long hold finally reached some representative in XXXX, who was not able to help, could not clearly explain the different between available funds and actual available at local branch and offered to withdraw money from ATM which he could technically increase a limit of up to {$5000.00}. 

So the available balance that is showing in Citi bank website or app is not the amount one can withdraw at the bank. The amount that can be withdrawn at the branch is pretty much depends on teller 's mood and personal relationship. This is my second similar experience with Citi bank outsite of my neighborhood. 

I have been banking with Citi bank for over 8 years, have excellent credit score and over {$20000.00} credit line with Citi with approximate XXXX balance.
Consumer complaint received 2018-01-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

When I was coached to taking this loan from the school I had no idea what I was getting myself into. I have been unemployed for nealy two years and cant make the payments as it destroys my credit and gives me no shot at getting a XXXX job since they now check credit for employment..
Consumer complaint received 2018-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MI)

Sometime in XXXX there was an " Total Advance '' {$470.00} fee added and no matter what I do I am always overdue and late because of it. I do n't even know what the advance is for. I have made payments all year missed one in XXXX but paid 2 in XX/XX/XXXX and 2 in XXXX. I have no idea why I owe {$1800.00} and have late fee 's every month. They always send a statement saying that they have a right to foreclose on me, and my credit is messed up so I can not remortgage. I did file banckruptcy at one time but continued to make my monthly payments. I also paid my escrow shortage but it still shows I have a shortage on my statement. When I call to talk to someone they take forever to get me to the right person and I work myself during the day and do not have time to wait over 40 minutes. I have sent emails but they always say I have to call.
Consumer complaint received 2018-01-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Service Finance Holdings, LLC (FL)

A contract was written on XXXX XXXX, 2017, for various services to be performed by XXXX XXXX XXXX ( State Lic. # XXXX ). Included were Photovoltaic Panels, solar water heater and panel, solar attic fan, insulation, a variable speed pool pump, and 1-time roof remove replace. Also mentioned, was that the inverter would have a wifi monitoring system, and routine maintenance. " We would know if there was a problem with your panels before you did. '' is what we were told by the sales representative. 

We never received a wifi monitoring system, and the company does not monitor the panels like we were informed. 

We attempted to contact XXXX about the 1-time roof remove replace, after hurricane Irma had us file a claim with our homeowner 's insurance. We did not receive a response until we filed a formal complain with the financing companies. 

XXXX is now under the impression that we were requesting the solar panels to be removed, while we get our roof replaced, to which they denied. They stated that the notation on the contract was only for the solar water heater panel to be removed and replaced. 

XXXX offered to replace my roof at a " good price '' to which they would remove the panels and replace them, but I pointed out the 1-time roof remove replace was already included in the contract. 

I informed XXXX that I was seeking counsel for the contract and they stopped speaking with me, and told the finance companies that they would not speak with me any longer, due to seeking assistance from an attorney. 

The contract in question was for {$24000.00}, which included ; blown insulation, solar attic fan, 80 gal solar water heater and panel, a variable speed pool pump, and 1-time roof remove replace. 

I 've made several attempts to resolve directly with XXXX Contracting. I filed a formal dispute with the finance company ( Service Finance ), regarding the contract not being fulfilled. It seems like XXXX is confused or misinformed of what the contract includes, and what the dispute is regarding. I am disputing the installed inverter not having a wifi monitoring system ( which the inverter is fully capable of ), and the removal and replacement of the roof on my home, as noted on the contract.
Consumer complaint received 2018-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: First Data Corporation (OH)

On XX/XX/XXXX, I noticed three consecutive unauthorized charges on my account from that date. The first was to XXXX XXXX DVRS ( a known fraudulent charge ) for {$10.00} from XXXX XXXX, Florida. The next two were both to XXXX XXXX in XXXX XXXX, New York one for {$67.00} and the other for {$200.00}. I contacted XXXX XXXX immediately and had to talk to 3 different people and was told there was nothing that could be done at that time as the charges were only pending but I could contact the companies responsible for the charges and have them reversed. I contacted XXXX first and was advised they had no record of the charges in their online system. They were charges made at a retail location and I would need to contact my bank to have them removed. When I called the number XXXX XXXX provided for XXXX XXXX, I was advised that this number was no longer in service. I contacted XXXX XXXX again on XX/XX/XXXX regarding the charges again. The two charges from XXXX were no longer pending and I was advised they could be removed if I called back once they were not pending. This time I was told all they could do was issue a dispute and I would not get my money back but they would issue me a new card at no charge. They charged me {$5.00} for the card and no dispute was submitted. I called again on XX/XX/XXXX and was told to stop calling because I was responsible for all the charges because I gave someone my card and I would not receive and credit or a new card and my old card was now cancelled so I would have no way to access my funds going forward unless I transferred them to another account and paid a fee to do so every time. I am out the {$280.00} stolen from my account plus the {$5.00} and have lost several hours of work trying to get this resolved. I also am in Ohio and have been the entire time these charges were made which should tell them that I could not possible make it from XXXX XXXX, New York and back to Ohio to call and dispute the charges or even make the other charges on my account in my area that same day. The representative named XXXX advised me that I can not give people my card and then dispute the charges just because I do n't want to pay for them. When I told her the card was never out of my possession and I did not authorize anyone to use my card. She told me " Yeah right. That 's what they all say ''
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

XXXX did n't honor their promise to remove the XXXX account which I already Proved several times that it belongs to my husband. Furthermore, they have failed to send me in the mail and they respond which they told me they will get from the company. He only send me a letter in the mail tell me to contact the company. By law based on the fear reporting act they are not allowed to report incorrect information from a source which is and they can not identify and on several phone calls I was promised that will be removed and all they did is make a remark that its in dispute and it did not remove it. Moreover, by law they are required to block the creditor from being able to report this inaccurate information.
Consumer complaint received 2018-01-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (WA)

My home building contractor and I received a utility bill from XXXX XXXX XXXX which had a total balance due of {$26.00}, however when I logged in to pay it showed a balance of {$430.00}. I called to sort this out, and according to the bill I had in hand and also the one that they had in their system there was a credit of $ XXXX in the " other Charges or Credits line item. The previous statement balance was {$400.00} which with the credit applied equaled {$26.00}. For some reason the system was adding the previous balance and current balance together for the current total. The person on the phone stated they saw the discrepancy and would look into it, but it required getting in touch with someone who was not in the office, so they said they would call me back once they did some digging/resolution. I never received a call back, but instead received a collections letter. On top of all of this they originally sent the bill to the wrong address in a town 80 miles from where I live. I disputed the collections, and they sent me a letter again saying the charges were valid with a copy of the bill that had a total charges due of {$26.00}. At this point I feel I do not have enough evidence to verify the charges they are claiming. I would like to file this complaint on both XXXX XXXX XXXX, and the collection agency XXXX XXXX XXXX.
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Experian did n't honor their promise to remove the XXXX account which I already Proved several times that it belongs to my husband. Furthermore, they have failed to send me in the mail and they respond which they told me they will get from the company. He only send me a letter in the mail tell me to contact the company. By law based on the fear reporting act they are not allowed to report incorrect information from a source which is and they can not identify and on several phone calls I was promised that will be removed and all they did is make a remark that its in dispute and it did not remove it. Moreover, by law they are required to block the creditor from being able to report this inaccurate information.