davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I live in a hurricane disaster area from Irma in XXXX XXXX XXXX. I contacted my mortgage servicing company, LoanCare, to discuss options as there was some damage to my house. First, I called them several times and they said they would call me back and never did. Then, they told me that that would move the next 3 payments until the end of the mortgage period and they would send me some forms to fill out, but I never received anything. I received a threatening letter because my payment was a little late after being told about the three months so I called back. I was told that there was nothing at all in the notes and that option was not available. I have had to call dozens of times and spoke to moss mitigation repeatedly, but I still have no idea what is going on there. I always get transferred to an employee who never answers any calls and never returns messages. I have spent more than 12 hours trying to get a straight answer but I still have nothing to show for that. They love to play transfer games until the person/department who you need to speak to is gone for the day. This company has no business servicing mortgages and shows no respect to their mortgagees.
Consumer complaint received 2017-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

They took my money from my account, showed it was posted and processed, then took it away two days later and charged me late fees when my payment was 2 days early. Fought with me for 8 hours and wo n't fix their mistake now I 'm out {$50.00} and on too of that I have to pay fees that should n't be there. Nothing but lying crooks and they need to be stopped.
Consumer complaint received 2017-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (TX)

I had opened an Wells Fargo secured credit card and I had issues financially to pay this account down and they closed my account for no reason and had this debt on my credit for several years I called Wells Fargo to settle this account and however the representative used a communication tactic to settle the debt stating that I was going to pay 60 percent of the balance and he stated that he will forgive 60 percent off the balance and each and every representative I spoke with treated in an unacceptable manner and stated that I lied and that it was noted that I will pay that amount
Consumer complaint received 2018-01-09
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. (NJ)

XXXX and Experian are not updating my credit report for one negative item. XXXX and Experian keeps providing bogus information claiming that my negative item was investigated. I personally contacted the creditor on XX/XX/XXXX and XX/XX/XXXXto confirm and they NO LONGER have the disputed account on their records since XXXX. XXXX and Experian " investigation '' stated that this creditor reported their first delinquency on XXXX. The creditor got paid through my already dismissed chapter XXXX that was filed on XX/XX/XXXX and discharged XX/XX/XXXX. The chapter XXXX has already been deleted from my credit reports along with all the involved accounts except this one.
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TN)

This account has been paid in full for several months. It has been noted as " Account paid in Full ; was a Charge-off '' on XXXX, but it just listed as a charge-off with no notation of being paid in full on Both XXXX and XXXX. 

I have tried contacting both credit bureaus about this, as well as Synchrony Care Credit, asking them to have it noted as " Account paid in Full ; was a Charge-off '' across all three credit bureau reports. If they can report it to one, there is no reason the ca n't report it to all. 

I have confirmed that all three credit bureaus allow this status to be noted on accounts. 
I 'm attaching proof of how it appears on my XXXX report, which I pulled on XXXX/XXXX/2017. 

This has been paid in full and should be noted as such on all three reports.
Consumer complaint received 2018-04-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Massachusetts Educational Financing Authority (MA)

I have had many problems with XXXX XXXX XXXX, formerly XXXX XXXX XXXX. Usually in regards to customer service and contacting the company for help in any way being unreasonably difficult.

COMPLAINT # 1 : Some time last year, XX/XX/XXXX, I signed on to my online account to make a payment to see that I didn't know anything for the month which I found strange because I didn't remember paying, so I decided to keep checking back on the site periodically in case it was a mistake. The following month I received a letter from XXXX telling me that my one month loan deferment had ended and that my payments going forward would be raised slightly to compensate for the month missed during deferment. I never applied for a deferment. I submitted no paperwork for a deferment. I never made a call to XXXX  asking for a deferment so there is no legal reason for them to have applied one to my account.

COMPLAINT # 2 : Several months ago I signed onto the XXXX  site to make a payment but saw that I didn't owe anything for that month, which I found strange because this had already happened to me before. The following month I logged on to the XXXX  site to make a payment and found that I owed for two months. Obviously frustrated, I paid for two months at once to avoid getting late fees which put a strain on me financially for a little while as I had not planned to have to pay double after the missing a month.

I tried to contact XXXX  about both of the complaints described above a few months later via a customer service request and never received a response. I don't have any exact dates but this took place over the course of the last year - late XX/XX/XXXXto early XX/XX/XXXX.

COMPLAINT # 3 : Today, XX/XX/XXXX, I tried to call XXXX  to make a payment after being unable to log in to my online account for the last two days ( every time I tried I saw a message that said " that service was temporarily unavailable. ) I first tried accessing my account over the phone with my SSN, which they said was not connected to any account in their system. This is obviously not true as I've been making payments on my loans since XX/XX/XXXX I then tried accessing my account over the phone with my account number. I would wait to be prompted, enter my account number, the machine would say " Thank you '' and then hang up. This happened three times in a row and I was never able to make it through to a customer service rep.

I need to make payments but my only method at this point is mailing a check.
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This company is reporting inaccurate late payments. Each credit bureaus has different months being reported which is inaccurate and needs to be removed as the FCRA law requires. 

Capital one XXXX is showing that XX/XX/2017 is OK but XXXX is reporting that is was late. However these late payments are an error. 

XXXX XXXX XXXX Is reporting 60 day late payments for 4 consecutive months in 2017 which is inaccurate. How is that possible? Please remove these inaccurate payments. 

XXXX Has yet to provide any signed documents that this account belongs to me. No itemized bill is acceptable, but an actual signature is required by law. 



XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Consumer complaint received 2018-01-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NM)

I originally sent EXPERIAN a dispute letter regarding 6 late payments to XXXX on XXXX XXXX. ( XXXX letter for each late payment, 6 letters total. ) I asked for any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I requested that this information be immediately deleted from my credit file. They responded with an updated version of my credit report simply verifying the information without proof. 
I then sent out a second letter dated XXXX XXXX, giving them 15 days to do a reinvestigation in hopes of getting this issue resolved. They did not respond within the 15 days which is in violation of the FCRA. 
I would like your help with this issue. 
Thank you
Consumer complaint received 2018-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (CA)

1. XX/XX/XXXX XXXX # XXXX spoke with me to handle my request for a loan verification to submit to my loan officer for escrow. She said it would be emailed to me in 2 weeks 2. XX/XX/XXXX XXXX # XXXX informed me XXXX sent it out then when she looked again told me they cancelled my request because I did not submit verification forms. Though it was in my upload history she claimed she needed employer verification and I needed to resubmit it. I submitted it the same day. She informed me I would get credit in PSLF payments once they verififoed the employer.

3. XX/XX/XXXX XXXX  # XXXX at XXXX PST told me the forms were received and I should expect an email in 5-7 business days to the email on file.

4. XX/XX/XXXX XXXX # XXXX  informed me that although there were no instructions on the PSLF my form was rejected because it didnt follow the MM/DD/YYYY format for my employment beginning date. This was completed and after uploading it 3 times she finally confirmed seeing it to send in for review with the loan verification request.

5. XX/XX/XXXX XXXX XXXX confirmed my documents had been received and were in review. She informed me to call back XX/XX/XXXX if I did not hear back ( get the email with the loan verification.

6. XX/XX/XXXX I get an email saying section 3 which is the start for employment of incorrectly filled out.

I followed the instructions and I am livid that I keep going through the ringer with these people. This company functions like the loanshark for profit company XXXX. You never get the same person, they dont want to give you a supervisor, no responsibility is taken for their mistakes and they lack professional organizational skills.

This is unacceptable
Consumer complaint received 2016-07-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

I reviewed my Equifax Credit Report and observed that Equifax is reflecting XXXX late payments on my XXXX XXXX car loan ( XXXX and XXXX XXXX ). I contacted XXXX XXXX and they confirmed that I do n't have any missed payment 's and that my account was in good standing until my account was paid in full on XXXX XXXX.
Consumer complaint received 2018-01-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

If we would of known we can complain here we would of done it at the moment. The problem was with Fifth third Bank. It is a little long to write here would prefer phone call to explain, but a little is since the first month of the payment due we were wrongly charged late fees us nit being aware that the first payment was not applied do to it was not withdrawn from iyr bank account and from there were charged every month a late fee for that very first month for over 2 years. Every month was a late payment charge ys not being aware until approximately a year later if that late payment. Us thinking we were on time every month abd up to date. When we received our first xmcall with that nonsense after arguing our right abd trying to get them to understand we ended up paying the late fees around one thousand dollars. They kept calling after that! Claiming we were behind again and every month was a new late payment since they consider every month to be behind a month. My husband is XXXX and would get translaters and were really rude. I really wish we had the dates abd names of workers but we dont. He was treated wrong and once they even hung up on us since a English person answered he was asking me what the my were saying abd they hung up when they heard me translate because they said there could not be others in background speaking. I did threaten to sue and i would of if i knew Consumer financial protection bureau existed at the time. I believe my husband deserves more. He did receive a settlement for the lawsuit against high interest rate for XXXX, but i do think our situation with them was stressful the time we had that vehicle with them.
Consumer complaint received 2017-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I opened a new account on XXXX XXXX to bank of America in XXXX Arizona. On XXXX I deposited my first payroll check in the amount of XXXX via their mobile app. When the app said the check will be held until XXXX I thought it was as because they did n't have three physical check. I did n't know the procedures of the mobile app this was the first time I deposited any monies via an app. So I immediately took the physical check to the bank and put the money into the bank. When I saw that the check showed as a duplicate I called bank of America to inform them of the issue. I was told that there would n't be a problem. The system would show the error and correct it. I was told to wait until the XXXX of XXXX in order to have access to my funds. I expressed my dissatisfaction with the extreme wait times. On XXXX XXXX I received two emails from Bank of America stating my account was below {$25.00} then XXXX dollars shows up in my account that I did n't put there. The bank could not explain it me. It was not a deposit from an outside source at all. The very next day XXXX checked my account at XXXX via the mobile site and it was said that I was now over drawn by XXXX mind you I had not used my card since XXXX. By XXXX XXXX my account stated the drawn amount was {$23.00} dollars and some change. All the while my funds are still on hold. I then proceeded to do in to the local bank of America and was told it was just how business was conducted and I would have to wait the situation out. I called my employer to inquire is the check had been payed out. My employer shows the check was processed XXXX funds had already been sent. I made yet another call to bank of America who still refused to release my funds. And still could not explain how I was overdrawn by {$23.00}. When I told them I had email to prove that my balance was below XXXX in Thursday I was told that does not matter it would n't do me any good. My money is being stolen through bank of America I have made several phone calls and have made several appearance in the local branches with no help at all. I still have my emails I will be planning on going public with a lawsuit for misappropriation of funds due to the carelessness if this financial institution.
Consumer complaint received 2017-11-20
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (TX)

My husband who 's primary language is XXXX purchased our wedding rings from XXXX XXXX. He was told at the time by the sales associate, who was also Russian speaking and went over this info in XXXX so my husband would understand that the rings would be on a special promotion of 0 % interest until the balance was paid, it was important that we buy the rings now - which was literally 4 months before we needed them, but it was such a good deal he decided to go for it. 
We have been paying on the rings online like good little troopers until we saw the balance shoot up by {$1200.00}, apparently the promotion we were told about was not true, it expired after some period of time. I asked my husband for the financing agreement, he said he never got one, he just signed a signature box in the store - he took the word of the sales associate. 
Both myself and my husband have called XXXX XXXXXXXX on multiple occasions and filed disputes. Every response we get to the dispute does not address the problem - we were lied to about a promotional interest rate. On the third attempt the call center representative event admitted that they get these complaints all the time before she transferred me to the manager.
The manager told me that our complaint was n't ' valid because the printed statement says that there was an expiration date. I reminded the manager that we pay this account on line and rarely open a bill, never less go searching for some inconspicuous notifications about their fake promotions! Furthermore, the problem is that we bought these wedding rings under false pretenses - what can we do now GIVE BACK THE RINGS? In my world that 's called a bait and switch. The manager said he would forward the complaint to their legal department and someone would call me in 3 days - its been a week and I have not back from anyone. I am tired of the merry go around with Zales Outlet and their unsavory business practices. I hope that someone can check in on how they do business, I know we are not the only people dealing with their shenanigans.
Consumer complaint received 2018-04-13
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Coast Acceptance Corporation (CA)

So on theXX/XX/XXXX I spoke to someone in customer service because I was unable to make my payment due to the fact that I recently had a baby and was on maternity leave and would be returning to work soon. I told the girl XXXX payment would be late since my first check was going to be on the XX/XX/XXXX I first asked her if I could do both months on the same day she told me no. Okay I then asked if it was okay for me to do one payment that friday theXX/XX/XXXXand the payment forXX/XX/XXXXshe said it was fine just to not brake the agreement i then said thank and if it was anyway she can give me her name and send me an confirmation email with the agreement she then refused and said she couldn't do that. I left it alone and said okay. So fast forward to today the XX/XX/XXXX i get a call from the finance that my payment was due on theXX/XX/XXXX u then tried explaining the situation to the gentleman and he sent my call to the lady I had spoke to she then answered my call and was super rude started to scream at me saying I never said that and that she would have never made the agreement and that there was nothing she could do since my car was out for repo, I then told her I wanted to speak to her manager. I  was on hold for a really long time different people kept answering my call and wouldn't even talk to me and just kept forwarding my call until I got to the manager. Which was super ride screaming at me saying I was a liar! Because his employee never said that and he couldn't help me and that if I didn't pay at the end of the day my car would get repo! He wouldn't even give me a chance to speak so I hung up on him and told him I would file a complaint. He then called me back extremely rude threatening me that he would go for my car then.
Consumer complaint received 2019-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (DC)

After a complaint against Wells Fargo for stealing customer '' s funds {$500.00} with transaction number XXXX on XX/XX/2019 as well as breaching agreement of promotion bonus {$1100.00}, failure to give 30 days closure notice, defrauding consumer, blocking customer transactions such as mobile deposit, internal transfer, business direct pay etc. On XX/XX/2019 Wells Fargo continue to possess customer funds {$3000.00} with transaction number XXXX business direct pay. I have contacted Wells Fargo customer service staff named XXXX ID # XXXX to report lost and stolen funds in order to cover the stolen funds immediately. However he hanged up the call even I have not completed the reporting. On XX/XX/2019 I already contacted the branch located at DC XXXX by giving a copy of promotion offer total {$1100.00} plus my accusations toward unpaid {$750.00} fraudulent checks issued by Wells Fargo. At this time, I really can not tolerate repeated stealing customer funds {$500.00} and {$3000.00} and holding customer funds {$5000.00}. Due to the banks continued blocking the business transaction and choose not to pay promotion bonus, I am asking total {$20000.00} damages because Wells Fargo caused this : bringing significant loss to customer such as {$500.00} loss and {$3000.00} loss, {$5000.00} on hold, {$750.00} fraudulent checks as well as other {$120.00}, {$140.00}, {$45.00}, {$10.00} {$200.00} happened in the past. I as consumer is asking Wells Fargo to stop playing theft yield theft trick and slander towards customer. You must pay me loss.