davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-14
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have been a customer since XXXX. In the XX/XX/XXXX I lost my job and a payment that I made in XXXX of XXXX was returned, I obtained a new job and paid the late fees, returned check fees and all other fees to bring my account current. At the time, my account was over the credit limit and a " restricted '' status had appeared on the website. I assumed that the restricted status was due to the over the credit limit and never questioned this. My husband and I are looking to buy a house this summer so we are improving our debt to income ratio and preparing, we suffered a file this past XXXX at my child hood home and my mother will be coming to live with us, so sale is very important to my family. Well last night I went on the website to ensure the payment in full of the account posted. I was surprised to see that the account was still listed as restricted, so I called the number it requested me to call and was transferred multiple times before speaking with the fraud department that told me my account had been closed in XXXX of XXXX due to my returned check. I became angry and asked for a supervisor who when I threatened the XXXX hung up on me. I called back, my first call has been 53:20. I advised of my concerns again and was again transferred to a fraud supervisor who informed me he did not have access to unrestricted my account and that his manager would need to do it but he had left for the evening. Call # 2 lasted 36:53 to be called I 'd get a call back. I decided to file a complaint with XXXX but still wanted this resolved, so I called the number on the bbb website once last night was resulted in my again being transferred this time to collections and now a case being opened with a callback within 7-10 days, this is unacceptable. I called again this morning to be transferred and told there was absolutely nothing anyone could do to unrestricted my account. 5 hours of my life wasted with no resolution and misinformation
Consumer complaint received 2016-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (IL)

Equifax refuse to remove the public records in my credit file. I have sent identity theft reports, disputed the information and still no resolution. They know they reinserted these public records into my file. Public record # XXXX that is not even my last name on the document. All of these public records should of been removed. Equifax is just stalling and costing me financial pain in the process.I have already seeked legal advice so therefore If not resolved in this complaint I will sue Equifax for willful noncompliance and {$5000.00} for each item they refuse to remove from my credit file. All these items just suddenly appeared in XXXX 2015 on my report. That is not coincidental its Equifax improper reporting of my credit report. And also all of my tradelines were missing and then all of these negative item just reappeared with my tradelines. I have the archived credit reports to prove what I am talking about too. Attach document for what purpose they already have them in their files.
Consumer complaint received 2016-04-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AR)

XXXX has been asked by myself and an attorney friend to furnish a complete list of charges and how they came to that amount from an apartment I left in 2011. They claim I owe {$2300.00} or so but in the years and years I 've been contacting them they refuse to furnish a complete list of charges. They can not explain how they came to the amount they did.
Consumer complaint received 2016-04-14
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: U.S. BANCORP (CO)

I have been trying to work with US Bank to get a loan modification for my student loan but have not had any luck. After I was unable to get an initial response from anyone at US Bank about modifying my loan because I could n't afford the payments, I posted about it on US Bank 's XXXX page a few months ago - so, apparently public shaming is the only way to get a response. I was contacted by someone who offered to put me in touch with the right people. Three weeks went by with no contact, so I complained again on US Bank 's XXXX page. I was finally contacted that day by someone else who offered to try to put me in touch with the " higher ups '' who could help out. 

The manager who called me that afternoon - while I was at work - called me ten times in five minutes without leaving a message. I was understandably upset when I was finally able to answer, and I asked him to call back at a more convenient time, which he did not. It took me another week of calling to finally get him on the line, at which time I explained my situation and he offered to send me an application for loan modification. I completed said application and returned it with the requested information ( tax returns and pay stubs ), and received a call this morning from XXXX ( XXXX ) who said she was calling to let me know that she was n't able to approve my application but would n't give me any specific information because a letter was in the mail. 

I explained to her - as I 'd done with everyone else I 'd spoken to - that as a business model, I felt that it did n't make sense for US Bank to get NO money, when they could get SOME money from me. By not allowing the modification, my option is to not make ANY payments, because I ca n't afford what US Bank is asking. I 'm not trying to get out of paying the loan - I 'm just asking to make the payments affordable so I can continue to make them. I told XXXX that if she could n't help me, I needed to speak to someone who could. She said her manager was unavailable but offered to have him call me back. I said I would rather have his name and direct line so I could call him when I was n't at work and would be able to talk. She said I should call XXXX and ask to speak with a manager. I told her several times that had n't worked in the past. 

She tried to tell me that her manager does n't have a direct number and that there was no way for me to call him on my own. I told her I did n't believe that she had a direct number and her manager did n't. She again told me to call the XXXX number. Only after a few minutes of asking was I able to get her manager 's name - XXXX XXXX. 

I 'll keep trying to get in touch with someone who can help me, but honestly, the only way I 've gotten any helpful response from US Bank is to post something publicly saying what an awful company this is. I do n't understand why nobody is willing to work with me so I can make continuous, timely payments, and why the only way to get a response is public shaming.
Consumer complaint received 2016-11-13
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XXXX, Capital One Bank with address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, phone ( XXXX ) XXXX, hired XXXX XXXX XXXX ( attorneys ) with address XXXX XXXX XXXX XXXX NY XXXX, phone : ( XXXX ) XXXX to collect my XXXX credit cards debts that I originally owned them due to unemployment. Capital One was aware that I was on XXXX, public assistance and without income at the time of my default when they placed me in collection with XXXX XXXX. 
In XXXX XXXX, I negotiated the terms of my XXXX Capital One credit cards debts with XXXX XXXX attorneys. I PAID THE CREDIT CARDS PER OUR AGREEMENT with XXXX XXXX who had the agreement of Capital One, and WITH LOWER AMOUNTS THAN THE ORIGINAL. Once again, CAPITAL ONE HAS AGREED to this terms. 
As of today, My CAPITAL ONE BANK Account Number : XXXX .... and CAPITAL ONE BANK Account Number : XXXX .... are reported at the XXXX credit bureaus as HAVING BALANCES. I disputed this reporting with the bureaus, and after investigation, Capital One STILL reports the following : Account charged off. {$3300.00} written off. {$1700.00} past due as of XXXX XXXX and for the second credit card : Account charged off. {$1200.00} written off. {$550.00} past due as of XXXX XXXX. THIS are FRAUD statements! I paid the agreed amounts through XXXX XXXX XXXX, and received letters from XXXX XXXX for the complete clearance of the credit cards with Capital One Bank. 
WHY is CAPITAL ONE falsifying that I have balances? As of XXXX XXXX the balances are " XXXX ''. When Capital One hired Attorney Firm to collect their credit card money, surely Capital One has agreed that the Reporting Power to the agency will be given to the Attorneys, and Capital One would not FURTHER damage my credit. It seems that XXXX XXXX collected their fees from Capital One and have no responsibility to CORRECTLY REPORT THE OUTCOME OF CLEARANCE OF BOTH ACCOUNTS. XXXX XXXX must report the Capital One debts as having balance of " XXXX ''. Thus Capital One is making FAULSE REPORTS to the XXXX credit bureaus THAT DAMAGES MY CREDIT further MORE.
Consumer complaint received 2016-04-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Southwest Credit Systems, L.P. (OH)

Debt collection agency SW CREDIT SYSTEMS, XXXX, TX placed negative information in my credit report that dropped my score XXXX points ( from XXXX to XXXX ). They did not leave a voicemail about the {$130.00} debt due to XXXX XXXX after a summer job last year in XXXX, WI. I had paid my bill by check so an address was available. They said they called, but never left a phone message. The name on the bill was incorrectly listed as XXXX XXXX, but somehow they were able to find my correct social security number and attach the debt collection to my credit report. This is UNETHICAL and should be unlawful. I paid the debt immediately upon notification it was due. I have stellar credit and I want it back. Now! The report indicates it will remain on my report until XXXX 2022. I have always had very favorable interest rates due to credit score. It seems incredulous a {$130.00} debt could negatively influence my ability to borrow for the next eight years. I would like the information removed so my score returns to a typical XXXX. Thank you.
Consumer complaint received 2016-04-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Commonwealth Financial Systems, Inc. (TX)

Thank you for accepting my complaint. I am trying to purchase a home. In process of doing that my credit was pulled. I found out from the report that my identity was stolen as several items listed I had nothing to do with. One of the items on my credit was a medical collection from Commonwealth Financial account number XXXX for {$910.00}. It is also listed twice, same account number and same amount with XXXX. I understand that is a violation as well. Anyway, I went and filed a fraud report and mailed it to the bureaus and to Commonwealth. Commonwealth declined it. I contact them by phone and they said that quote " because you waiting 1 year to notify us, you owe the money and we will not delete the account '' then they went on to tell me that I could settle the account and they would remove it. I am very upset as I feel like this is just a tactic to con me into settling the account. I feel very strongly that since I did not do this why should I have to pay it. Also, nothing I have read says there is a time limit on ID Theft. Only reason I even knew this was on my account was because I was applying for a mortgage. Commonwealth Financial in my opinion is employing dirty unlawful tactics in order to get me to pay for something I did not do. They have received my ID theft Affidavit. I copied my police report in this complaint but not the ID Theft Report. Commonwealth has a copy though. They have also received a phone call from me. Both times I was denied, I am asking for your help to resolve this now.
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

ssue Unable to get my credit report or credit score : Problem getting my report or credit scoreDescribe what happened so we can understand the issue ... 

I am an XXXX Service Member in the XXXX. I attended the financial briefing in XXXX from the military. Following guidance from the Financial Planning Counselor, I attempted to obtain all XXXX credit bureau reports and my FICO score. I am unable to locate any information when I contact the bureau 's to include FICO score. I was told that I need to create a profile. I am a member of XXXX XXXX, and I have received a score thru XXXX, therefore I am unsure as to why I can not directly obtain from the websites. 

Additionally, I am experiencing difficulty obtaining my Free FICO score.
Consumer complaint received 2017-02-01
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

On XX/XX/2017 I opened a letter from IQ Data Collection in regards to an amount they are claiming I owe to an apartment of some sort that judging by the address I have never lived at. I asked the debt collector to provide me with more information and she refused saying she talked to me on the phone and I know it 's my debt. I have no idea who this lady has talked to and what she is talking about. She proceeds to overall me and say that I lived there. The conversation got aggressive and I ended the phone call. Still concerned that they are trying to hold me accountable for a debt I did n't make I ask to send me information and she began to refuse. This company is fraudulent and trying to bully money out of me for something I did not do and then refuses to show me proof.
Consumer complaint received 2016-12-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I received this loan in 2007 and was unaware that I had a negative amortization loan that would adjust and grow a balance every month. I am XXXX and needed the funds to repair my home to accommodate my illness. I fell behind as soon as the loan adjusted and have been unable to get help with keeping my home. I can afford to pay my old payment based off of that loan. I was recently under review for a modification and was denied, they say I do not make enough money to keep my home and will not work with me to give me a payment close to my old payment. I do not agree that my income is insufficient, I can afford to make a payment but I can not seem to get the assistance that I need from SPS to keep or even short sale my home. They have advised me that they will proceed with foreclosure instead. I do not want to be homeless and the very least I would like the option to short sale under the XXXX program.
Consumer complaint received 2016-03-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Financial Business and Consumer Solutions. (GA)

An account was opened with XXXX using my personal information. I have followed all of their requests, forwarded the police report for ID theft to their investigations team, and then a year later collection efforts began again, I contacted XXXX, who advised they provided me the wrong district for the investigation last year, and I needed to submit again to the XXXX district. I have sent the info again, and the phone number is only a message that promises a call in 72 hours, but no one ever calls. Their collection agency advises they continue to report to my credit bureaus until XXXX contacts them. this is impacting my ability to finance a car. the phone number to comcast is XXXX, fax is XXXX collection agency is XXXX.
Consumer complaint received 2016-03-02
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company (FL)

I was told by the mortgage company Freedom Mortgage that they can do my loan. Made everything clear from the beginning and have email documentation proving it. They then proceeded to tell me they ca n't do the loan for the same reason they told me they could. I did not hide anything from them.
Consumer complaint received 2016-10-18
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (FL)

i received a letter in the mail saying i was pre-approved for up to an {$800.00} loan. 
My husband had just had an accident and he had broken his ankle and fibula. this was causing a lot of additional medical bills and co-pays. 
I went online and filled out for the loan, they said i could get {$800.00}, i choose instead {$400.00}. I read the brochure over and it never mentioned anything about the amount of interest or payments. 
I filled out the on-line application, within about 10 minutes i received a call from someone at Big Picture Loans. 
They went over the amount, the information, and verified my phone and pay dates I was told initially there would be 5 payments of {$140.00} every 2 weeks as a service charge for the loan. they mentioned that after that the loan payments would reduce the interest rate every 2 weeks. 
I was told if that sounded ok to accept the agreement and sign it on line and then i could print out all the documents. 

I printed the documents but my printer was not working right. 
i had to wait till the next day to ask my daughter to print them out. 
That is when i almost had a XXXX!!! I was able to look over the numbers and found out that i would be repayiing {$2200.00} on a {$400.00} loan, worse yet i found out that the finance charges were {$1800.00}, and an interest rate of 1825 %.!! 

None of this was mentioned over the phone. I was NEVER told the interest rate or repayment was going to be that much. I assumed that that is why the fiirst 5 payments went to a service charge. I thought i was paying 25 or 29 % interest. the amounts that show up in the documents were never ever mentioned. 

I have called to complaint but i just get a run around, you needed the money we gave it to you.no pay for it. 
I also was told that this was a tribal loan and i could not omplain to any government agency. that i would have to appeal to a tribal council. 
NONE of this was ever mentioned. It was never mentioned that i had a 2 day cancel period, whichis in the docs but never brought up on the phone call when i accepted the loan. 

This company is a scam! i can not imagine hw many other people have been caught in a bind and have fallen for the same thing. 
I have asked them and faxed them a request to stop ACH withdrawals from my bank account. I will look to resolve this in a reasonable manner. 
I do not mind paying a higher interest rate but, 18825 % 0n {$400.00} is a robbery!!! 
I am hoping you can investigate and help me with this matter
Consumer complaint received 2016-04-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (TX)

First, I was given a private loan for {$21000.00} that immediately started accruing interest, even though I was n't going to start making payments on it for at least 4 years. Why on earth is that legal??? 
Second, the bank that issued that loan has since sold it off to American Education Services. I 've been paying this loan for almost 3 years, yet my balance is still higher than the amount I borrowed, AND the principal plus unpaid interest is {$6300.00} less than my current balance. So what exactly do I owe besides principal and unpaid interest? 

Also, since AES has purchased my loan from my bank, my interest rates have increased 4 TIMES IN LESS THAN 1 YEAR! I have all of the documentation needed, if you would like me to provide that.
Consumer complaint received 2016-03-02
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (NY)

I can confirm that Western Union ( WU ) is a very incompetent institution. I sent money to my father who is XXXX years old XXXX. He could not pickup the money after making 3 trips to the bank. The bank XXXX also could not release the money stating that they did not have the MTCN number. I am dealing with not XXXX but XXXX incompetent institutions. I called Western Union and their excuse is that my father 's name is similar to the person who can not use WU. What a stupid excuse! No one took the initiative to check the record of the history. Very little money for my father 's birthday and they made a big deal to take away my precious time to solve their problems because they are incompetent. A lot of people have the same names, especially the country I came from, that 's normal in XXXX. But not to release the money to an XXXX years old man who they know better to try and assist him, is absurd! I can not believe that between the bank and Western Union, no one could use the brain to go an extra mile to solve the problem. I 'm here in NY and solved the problem for these XXXX incompetent institutions. First WU sent a confirmation email saying my father can pickup the money ( strike one! ). Once you confirm with anybody, it means " a go '' yes? If WU could not release the money, they should have sent a very specific email stating they need a copy of my father 's ID for their future record so they will not release the money to a wrong person, so we all can solve the issue before my father 's trip to the bank, not after. This should have been stated clearly! Then my father took not 1 but more than a trip to the bank, 3 days in a row ( strike two! ). They still could n't figure out how to solve the issue. Then they got me involved ( strike three! ). With a high-tech going around, I asked my sister ( who lives in the XXXX country ) to take a photo of my father 's ID and send it to me. Between my sister and myself, we solved the problem and we always do. I then sent the email to WU staff member and request with a firm instruction to release the money immediately. This should have been done by the company, not an individual person. Like I said they should have sent a very specific email ( not a confirmation email ) prior to my father 's trip to the bank. So OK, security check, I get it. But not to communicate with me is a wrong strategy ; I am the sender. This is enough to confirm that WU is very incompetent and a bank can be even more incompetent dealing with them. Put two and two together, we got XXXX! No wonder the banks are failing! I 'm not surprised. The people who work at these XXXX large institutions take no initiatives to assist a customer. Lack of training? Maybe. This should be the next XXXX case study.