davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Lending Club Corp (NC)

I had an account with Lending Club. I contacted their office and asked for a payment to be moved for a month. Moving the payment from XX/XX/2018 to the end of the term. I was planning to pay off the account in 30 days. I received a letter stating it had been sent to collections. I was very upset and contacted them immediately. I had never had a late payment. I did pay off the account in full XX/XX/2018. I asked that the 30 day late posting be removed from my credit to reflect " Paid in Full and Paid as Agreed ''. I thought this had been completed. I got a copy of my credit report yesterday and found that Lending Club had reported my account as 30 day late and paid in full. This wasn't handled properly on their end and they didn't follow the instructions we had agreed upon. I have not had a 30 day late on my credit. This is having a negative effect on my report. I ask that this mistake they made be removed. Thank you.
Consumer complaint received 2018-05-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: ENOVA INTERNATIONAL, INC. (DE)

I sent an letter on XX/XX/2018 advising that I was revoking authorization to debit my account. I sent the letter certified mail tracking number XXXX. I also placed a stop payment on my account to my account from being debited however, they debited my account anyway.
Consumer complaint received 2018-06-25
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. (MO)

I sent the credit reporting agencies Equifax and XXXX, the police reports, documents from the courts, alone with a fully executed fraud package document and all the other documentation required to block an account that doesn't belong to me. The account Is XXXX XXXX XXXX XXXX. Instead of removing or blocking the account, it was put in dispute status. By law this trade line was suppose to be off the credit file within 48 hours of receipt of the documents submitted.
Consumer complaint received 2018-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

I deposited a check in the amt of {$19000.00} into Wells Fargo acct # XXXX on Friday, XX/XX/2018. On Monday I checked the acct & the funds were seen as available balance. I called the bank & spoke to a business acct agent & asked if the check was cleared. I was told yes. I also asked if there was any chance the sender of the check could stop payment or cancel check. I was put on hold & when she returned she said " absolutely not ''. Check is cleared for use. This entire call was recorded & the bankers verified when the conversations were heard at a later date. I then called my real estate broker & announced I was leaving their company to join another. He became very angry & as I thought would happen, tried to take revenge on me. In this case by stopping payment on a check I received for a closed deal on Friday. On Wednesday I went online to begin paying bills from the acct & noticed the entire check was stopped & removed from the acct. I immediately called the bank & spoke to several different people. I kept being told it wasn't their fault. My issue is the incorrect info that I was given by the bank agent caused me to lose the amt of the check. I depend on the bank to provide accurate information when I ask a question. They should know the guidelines & be educated as to how the business acct works with deposited checks. What if they amt was for a million dollars?? And I was told it's totally cleared & fine so don't worry? WF response was that they will do a better job in the future instructing their bankers??? How does that help me now? If I had been given accurate information, I would have taken a bank check, removed it as cash, etc. I would have had options. Being told fraudulent info caused me to lose the money & I asked for it to be redeposited into the acct by WF since it was their bogus info that caused the money loss. WF is refusing to make good on that check & the only response is they will better instruct their agents? Totally ignoring that the info they provide is incorrect & caused this issue. Again, I would like the total amt of {$19000.00} to be reimbursed by WF into the acct for their wrongdoing, misinformation & direct cause of money loss.

Thank you for working on my behalf to resolve this issue.
Consumer complaint received 2018-05-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I was having issues making my auto loan payment using my XXXX XXXX XXXX mobile application, so I called in to XXXX customer service department to make my payment. I was NOT charged a late fee and was also told by the representative that this would not be reported negatively to the credit bureaus. If I had any issues to call back so they can correct THEIR error. Well then I was reported for a late payement on my auto loan which caused my credit score to drop over 70 points, for something that was not my issue. I talked to a supervisor at the credit union and he recommended that I dispute the error with the credit bureaus. So I filed a dispute with XXXX and Equifax. Well after 30 days XXXX has removed the late payment and negative mark from my credit report. But Equifax is showing that the investigation is closed and they are not making any changes to the negative remarks. I don't understand how one bureau will recognize the banks error and correct it and the other bureau will not.. PLEASE HELP. That impact on my credit score is affecting my family 's life and future. On something that was at no fault of mine.
Consumer complaint received 2018-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I researched my credit report XX/XX/XXXX. I noticed that there was an unfamiliar debt on there. I mailed a certified letter to XXXX XXXX on XX/XX/XXXX regarding this debt requesting validation. Instead of offering the validation that I was requesting, they have now added this debt to another credit bureau. I am requesting that they remove this debt from all of my credit reports. As I have given them more than the 30 days required by law to prove that this debt is in fact mine.
Consumer complaint received 2018-06-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TN)

XXXX University ONLINE was closed and all previous campuses are now XXXX. I continuously try to reach out to customer service, can never reach them AND I can never log into my account. I receive notice that my password is incorrect. I request temporary ones and those to, hinder me from accessing. During my time with XXXX, I had an advisor XXXX XXXX - I do believe was his name - He assisted me and then was no longer professional.
Consumer complaint received 2018-06-25
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. (VA)

I have an identity theft problem with 2 accounts on credit report from XXXX. Policy and IDTheft.gov docs plus other docs submitted in XX/XX/2016. 10 investigations have been opened and closed by Equifax. Other 2 agencies took off report but not Equifax. Now they want new police reports, etc. I am XXXX XXXX and have been given bad number to dial, told to get a lawyer so my wife can have power of attorney, etc. Now XXXX is suing and they haven't provided documents either to me. I have a lawyer. I need help.
Consumer complaint received 2018-05-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Turning Point Solutions LLC (WA)

I received this message today at XXXX XXXX Pacific time : This is a message is intended for my name is XXXX with XXXX XXXX contacting you regarding your file that was placed on my desk as a direct refusal to pay this is the last attempt to reach you and work with you on a voluntary basis you do have till XXXX XXXX Eastern time today to return the ________ event that I do not hear back from your power will be submitted out for XXXX further action XXXX I have no idea who this company is, what is that they are trying to collect, obviously I couldnt refuse to pay if I do not know what is the debt they are claiming.
Consumer complaint received 2018-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Hello, I have a capital one credit card ( Journey-Visa ) which has been closed, due to interest charges being taking out whether the card has been used or not or closed. Hundreds of dollars have been taking by capital on which does not allow the consumer to pay the card off. I have been with capital one for several, several years. I pay {$50.00} to {$60.00} dollars a month on the balance of my card and capital one take at least {$15.00} to {$20.00} a month in interest charges. I have spoken with capital on several occassions regarding why are they taking charges of interest and fee on a closed account. The representative say interest charges are paid on remaining balances and cash advances. I had one cash advance of {$12.00} back in the year of 2012 and they are still charging interest on this amount and the balance of the card. Never, ever have I had another cash advance. This has been going on for years. Such situation traps the consumers from paying their cards off. This is unfair credit card fraud and a scam. Credit card companies are ripping and gauging consumers with such fraud and unfair practices. I have attached just a copy of an example of what Capital One is doing. I make a {$50.00} payment a month, capital one take {$15.00} to {$20.00} in interest and fees. Yes I want everyone to know about this issue with capital one and other fraudulent credit card companies. I will be filing a law suit.

Thank You
Consumer complaint received 2018-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have permanently opted out of receiving pre-screened credit offers over a year ago and I continue to receive offers, in my name, most recently from Capital One for their Venture One Card. I am diligent about opting out of every possible marketing program and contact list, be it by mail, phone, e-mail, web, carrier-pigeon or smoke-signal. I, very intentionally, do not want to receive any unsolicited offers or be marketed to. At all. Ever. I view these programs as a threat to my privacy, my identity and my financial security. Additionally, these offers are an unwanted and obtrusive interruption to my personal business and piece of mind.
Consumer complaint received 2018-05-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I was looking online to purchase tickets for last minute flights today XX/XX/XXXX around XXXX XXXX PDT. I found someone on XXXX who had a XXXX buddy pass for {$150.00} and called him at XXXX at XXXX. He went over the flights times with me he told me I would have to pay taxes and fees on top of the {$150.00} for a total of {$210.00}. He claimed he was going to give me his XXXX login & XXXX number to complete the purchase, but he needed to charge his phone and call me back. He called me back at XXXX and asked for my email to send the itinerary and gave me his email to send my payment through XXXX ( XXXX ). His email XXXX. We sat on the phone as I processed my payment and he confirmed receiving my payment ( conf XXXX ). He asked me to stay on hold while he emailed me his login info to complete. I sat on hold for 15 mins before I hung up and tried calling back. He never answered. 

I immediately called Wells Fargo ( XXXX ) and they informed me that because I initiated the transaction they could not help me. I proceeded to tell them that if I made a purchase with my debit card that they would protect my purchase. Now because I transferred money they should still be able to protect my purchase. He apologized and suggested that I call XXXX XXXX XXXX because the email address is associated with their bank and they would be the ones to look it up. He gave me the transaction information to confirm and I thanked him and called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX told me that was not right, and my bank should be able to contact them through their merchant bank and let them know the transaction details to contact the person associated with their bank with there account information. She advised me to call Wells Fargo back so they can file a claim. 

XXXX I called Wells Fargo back and this time I was informed by XXXX that they can file a claim, but since the charge is pending I may have to wait and call back tomorrow. She placed me on hold for 15 mins to try to figure out what other options they may have. She informed me that the only thing I can do is to file a police report because the transaction is complete. Another 15 minutes go by. She tried to submit a claim and her floor leaders told her the " correct information '', which was to file a police report. I let her know that XXXX XXXX XXXX TOLD me that Wells Fargo could contact their merchant bank to file a claim. She placed me back on hold to ask her floor leaders. 2 more minutes go by and she comes back and says they are creating a case for XXXX XXXX XXXX and confirmed my contact info. I was told they were making a claim investigation would and it could take 10 business days. I would get a provisional credit and they would contact me to let me know either way what the results are. 
My Case ID XXXX.
Consumer complaint received 2018-05-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (CA)

I fell into XXXX XXXXXXXX and lost my job which resulted in defaulting on my mortgage. I was not working for almost a year and struggled to continue living. I was able to get help and started working again. My loan was transferred to LoanCare and I never knew there were programs or assistance available to me because no one from LoanCare ever reached out to me, sent me anything or attempted to provide me with options other than to sell my home. I am facing a foreclosure sale this Tuesday, XX/XX/2018 and I am running out of options. Had I not done some research to find out that I in fact do have rights as a homeowner and I should have been provided options from the lender, I would have never known. I feel I was taken advantage of and was never explained fully what options I had to save my home. Now I fear time is running out and it is too late.
Consumer complaint received 2018-06-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NJ)

I normally pay my XXXX  XXXX XXXX online through my Bank. In XX/XX/XXXX, XXXX  sent me an email to sign up for their new app and make my payment through the app. I decided to start this process as I feel that it is always a good thing to have a back up payment option. I set up the payment to come out of my XXXX XXXX Account. I received a confirmation from XXXX  XXXX that my payment was scheduled and I had a Confirmation Number. The payment date was XX/XX/XXXX and my payment was technically only due on XX/XX/XXXX. On XX/XX/XXXX I received a new statement alert from XXXX indicating that I was past due and that they assessed me a {$28.00} fee for a returned e-payment. I contacted XXXX and they informed me that the payment that I had initiated for XX/XX/XXXX was returned because there was incorrect bank information for them to process the payment. I asked them to review the account information they had on file and they stated they could not. When I tried to review it on their website I could only see that last 4 digits of the account number which appeared correct. I did not receive any notification that there was any type of processing error. I requested a refund of the {$28.00} as they could not verify what information was in their system and they did not contact me in a timely manner. They refused. I do not believe the account information was incorrect, but that their system was unable to process the payment and I got charged for their error.
Consumer complaint received 2018-06-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

i was sued and garnished by XXXX XXXX thru XXXX, XXXX  and XXXX. garnishment started on XX/XX/XXXX. for the amount of XXXX court cost of XXXX and sheriffs fee of XXXX for a total of XXXX they made me pay XXXX 
my balance was paid in full the last payment of XXXX on XX/XX/XXXX. my credit report was XXXX balance from them. then on XX/XX/XXXX they added a balance of {$880.00}. saying that i still owe them money.. these people are ruthless to say the least. i need help clearing this up please
Consumer complaint received 2018-05-25
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc. (FL)

XXXX was the first compliant I filed. The collector called my place of business asking for me. I returned the call and asked them to stop doing that. It continues. 

Today XXXX from Credit Corp called my business asking for me.
Consumer complaint received 2018-03-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MN)

My original loan disbursement in XX/XX/XXXX held a balance of roughly {$36000.00}. I have paid roughly {$46000.00} back on this student loan. My repayment balance today is roughly {$49000.00}. Navient customer service explains that this is due to interest rate accrual ... I was a given a couple of short no-interest accrual forbearance periods, however, I have paid consistently since XX/XX/XXXX, and with my re-payment amount currently at {$46000.00} it simply does not add-up that I can owe {$49000.00} today.
Consumer complaint received 2018-06-25
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: Experian Information Solutions Inc. (OH)

On XX/XX/18, I mailed XXXX XXXX XXXX a Validation Request Letter and on XX/XX/18 I received their response which I is a violation of the HIPAA guidelines. 
XXXX XXXX XXXX and XXXX XXXX XXXX have violated the HIPAA guidelines under HIPAA 164.502 by providing specific medical information to XXXX ( a collection agency ) where a collection agency does not qualify as a Business associate per HIPAA 160.103.3.

HIPAA 160.103.3 states : ( 3 ) Business associate includes : ( i ) A Health Information Organization, E-prescribing Gateway, or other person that provides data transmission services with respect to protected health information to a covered entity and that requires access on a routine basis to such protected health information.

( ii ) A person that offers a personal health record to one or more individuals on behalf of a covered entity.

( iii ) A subcontractor that creates, receives, maintains, or transmits protected health information on behalf of the business associate.

Regarding section ( i ), XXXX does not provide data transmission services. Regarding section ( ii ), XXXX is not a person but a company. Regarding section ( iii ), XXXX is a collection agency that might be considered as a subcontractor but I was given no authorization to XXXX to provide XXXX to receive my specific medical information. XXXX provided XXXX with specific medical procedural information of my laps rpr recurrent incisional hernia reducible which is a flagrant violation of HIPAA guidelines. Ive attached documentation that proves that XXXX provided XXXX with information that violates HIPAA guidelines.
Consumer complaint received 2018-06-25
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA") (AL)

I have been working with a NACA Mortgage Counselor since XX/XX/XXXX. They promote themselves as not relying on your credit score which is a complete fabrication. What do they think a credit score is comprised of ... well it's payment history ... payment behavior!! I knew going into this that I had late payments and some collections. However, the misguided  instructions I have followed have left me worse off that where I began. I was told I needed to pay off my auto loans because of the late payments. If the accounts were paid in full with documentation provided. He would send my file over to underwriting. I spent {$20000.00} paying off my auto loans in order to move forward in the mortgage process. Then around XX/XX/XXXX, I was told I needed to pay off three collection accounts before my file could be sent to underwriting. These are the same collection items that were on my credit report Day 1. I paid one of them off and sent documentation regarding the others. As of XX/XX/XXXX, the " Reviewer '' not underwriter said I would need to wait 6 months to show good payment history. Well what about alternative forms of credit ... ie. utilities, phone, cable, internet, car insurance, etc. They never once mentioned this and he told me that my rental payment history couldn't be used because " we can not do that in our program ''. Really that's not what's in their Home Buyer 's Workbook. I'm no out money that could've been used for a down payment on a traditional mortgage. I put in a notice with my landlord for XX/XX/XXXX because I completed at the end of XX/XX/XXXX what I was asked to do in order for my file to move forward to underwriting.