davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc. (FL)

My wife and I arrived home on XXXX XXXX to discover a telephone message from a " Debt Collection '' agency had called and insisted that I should call them back immediately. My return telephone resulted in being transferred to several departments with no human intervention. Subsequently, I XXXX the telephone number XXXX XXXX XXXX XXXX and discovered that the number belongs to the " AmSher XXXX Collections XXXX. '' I also discovered from the numerous comments online that its aggressive tactics are to badger the individual into paying " old debts, '' real or imagined. LET ME BE PERFECTLY CLEAR : ( 1 ) our credit score has consistently been XXXX for the last five+ years ; and ( 2 ) there are no outstanding old debts ( real or imagined ) from any bank, mortgage lender, credit cards, etc., for the last XXXX years -- period! I have no intention of allowing this scam company to extort me for any moneys. I need to determine how/what can be done to stop these harassing calls and to ensure that this " XXXX '' does n't end up on some credit report.
Consumer complaint received 2015-06-08
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (FL)

" DO NOT CLOSE THIS COMPLAINT '' I have contacted this office on numerous occasions regarding the issues with my mortgage company. Since XX/XX/2014, I have had nothing but issues with how things are handled. I reached out the VA office XXXX XXXX XXXX XXXX to assist me with the loan modification and getting things completed. After receiving the the XXXX package XXXX XXXX XXXX ) from Selene Finance I realize that the documents were expired ( probably the ones that should have been mailed out back in XXXX XXXX and the discrepancies with the information listed. I emailed XXXX XXXX the copies and she agreed that I should not sign them. She advised me that she was working closely with the VA Coordinator from Selene Finance. Shortly afterwards I received another loan modification ( XXXX XXXX ) ; which I returned to Selene Finance unsigned, with a note stating for the XXXX time that XXXX XXXX is no longer on the recorded on the deed of this property since I was advised by previous lender to remove him in order to do a deed in lieu ... if Selene Finance was really doing their job then they would know this already. Before sending the package I tried calling Selene Finance numerous times at the phone number listed on the documents only for the number to be busy each time. I do n't find them to have any concern for resolving my concerns. I thought with all of the incentives that mortgage companies receive for loan modifications I thought this would be completed.
Consumer complaint received 2016-05-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (WA)

I attended XXXX XXXX University for XXXX classes, then transferred to XXXX University due to my inability to get XXXX services to correct an issue submitting assignments. Now after withdrawing from this ( for profit ) school, they are saying that I owe them for the full tuition amount. This is negatively affecting my credit rating and impeding my ability to acquire housing and employment. I am XXXX and currently unemployed and homeless and unable to pay {$5.00}, XXXX full-tuition fee.
Consumer complaint received 2015-09-30
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I brought some building materials to build my patio from XXXX. They did n't deliver all my materials. I called the merchant and let them know and they said they were aware of it and going to credit it back to my credit card. I waited and waited but it never happen. I took action with my credit card company, capital one. First letter then asked for second opinion letter from a XXXX party. I provided it. Still nothing happen. Second letter they again asked for a letter stating that I never received the merchandise. Ok did that and sent it. Third letter out of nowhere they said that the case has been closed. Saying that I did n't provide proof of return of merchandise. Which I never dispute for returning anything. I was disputing that I never received all my merchandise. I know they are siding on the merchant which is very frustrating and nothing I can do about it. Its not a small amount that 's why I do n't want to lose out on it. Its XXXX worth of stuff. I keep asking them to let me speak to a manager or higher level assistance but they said I need to be on waiting list for about 2 weeks. Capital one disputing process is like a joke they are just trying to play with you. Trying to make you pass the deadline so they can close the case.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Recently I look at my credit report and noticed several on my account. this account is hurting my ability to obtain credit Its my understanding that XXXX, Experian and XXXX will investigate this account for me to ensure accuracy here is the account. I am asking you to verify as accurate : account here. 

XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX {$770.00}
Consumer complaint received 2016-02-07
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a credit balance of nearly {$2000.00} on my Capital One credit card. I have repeatedly demanded that Capital One close my account and mail the credit balance to me but they refuse. Capital one keeps holding on to my credit balance. By law they are supposed to refund me when I ask.
Consumer complaint received 2016-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (NJ)

I initially received a collections notice from Credit Collections Services ( CCS ) several months ago relating to an overdue balance from XXXX XXXX. I confirmed with XXXX that the balance was incorrect and in fact I had a XXXX $ balance. This was confirmed with multiple call with XXXX at the XXXX Executive headquarters ( ph : XXXX ). I informed the CCS caller multiple times what I had confirmed with XXXX and attempted to provide the number of XXXX. CCS attempted to still pressure me into paying over the phone even after I advised them of this. They informed me there was nothing that can be done about the debt or than get paid since it was submitted to them even though I confirmed it was incorrect.
Consumer complaint received 2021-01-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Medical Management, Inc. (DE)

I've received two notices from Financial Recoveries, acting as a debt collector for XXXX XXXX XXXX XXXX, to 1 ) collect a debt in the amount that is not owed ( Collection notice dated XXXX XXXX, XXXX for {$390.00} on acct. ending XXXX and 2 ) collect a debt that was paid in XXXX ( Collection notice dated XXXX XXXX, XXXX for {$45.00} acct. ending XXXX XXXX From my initial conversation disputing the debts, I was told XXXX XXXX has known issues with its debt tracking system and is sending collection files to its agent even though these customers may not owe debts. Ive provided confirmation codes ( XXXX ) for the {$45.00} payment from XX/XX/XXXX. 

I have been unable to get into contact with XXXX XXXX Billing ( number just dials or they connect ot someone who disconnects the line ) OR XXXX XXXX states they will follow up and to date have not done so. Its been over three weeks. XXXX XXXX should verify this information with Financial Recoveries and stop sending collection files when its unsure of its records. XXXX XXXX has also used other agencies to send collections notices on debts that are already paid. This company is harassing customers.
Consumer complaint received 2016-11-09
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Credit Bureau of Carbon County (CO)

I am being sued by a company called CollectionCenter out of Wyoming. When I try to call them to discuss and see what can be done, as we already paid the bill through insurance, they never answer the phone. 

I leave messages day after day. The voice recording asking to leave a message states someone will call back within 24 hours, but this never happens. 

This is unethical and is not right as I am trying to make an effort to communicate but no one wants to call back. If you cant call me back, how am I supposed to figure all this out and get it handled.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

I am repaying part of student loans for my daughter. I fell on hard times and had to claim bankruptcy when I asked if I could lower my monthly payments and have income driven loans I was told to do forbearance which I have had to do on several occasions because I can not pay the monthly payment they want. I have been paying what I can afford to do each month but the loan keeps going up higher and higher and they want more and more. I also believe the rate is higher than originally promised.
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (PA)

Through learning of a different student loan company being sued, I learned of this resource and thought I would attempt to have an old issue resolved. A long time ago, I made XXXX payments of {$50.00} each that were taken out of my bank account and never appeared on my account as a payment. Not long after realizing the payments never appeared on my account, I contacted Nelnet and was directed to the part of the website where I could view my payment history ( which I had obviously already seen if I knew the payments did not post to the account ) and was given generic information about payment processing times ( which had long since past ). Frustrated, I had long since given up on getting this resolved, but in light of the news about another student loan company systematically mishandling payments, I have decided that I do n't want to allow this problem ( and my hard-earned money ) to just disappear. 

The first payment, made XX/XX/2015, had a confirmation number of XXXX. The second payment was made on XX/XX/2015 and the confirmation number is XXXX.
Consumer complaint received 2015-12-09
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

I tried contacting Navient to lower my monthly payment for my private student loans. They told me that while they do offer income based repayment options, only XXXX out of my XXXX loans was eligible for this incentive. They told me that my other XXXX loans were not eligible as they were not dispersed before a certain date. I called on XXXX separate occasions. The first time I called they informed me that they could lower my student loan payment from {$410.00} a month to {$280.00}. Then they they told me that they could only get it down to {$360.00}. I had to end the call because my lunch break was over. I called a second time and they suggested that I should refinance my private loan and upon further questioning they decided that they were not able to lower my monthly payment at all. I just want to lower my monthly payment as I have just exited my grace period and I am still getting used to life outside of school. I need a helpful solution.
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

I was repaying a student loan to Navient for about $ XXXX month when suddenly Navient extended my loan for ten years and lowered payments without my permission. Now it seems that despite asking Navient to remedy the changes they made without my permission, and despite paying the {$300.00} a month the loan has been extended beyond the 10 years. I was suppose to pay based on what I believed to be the terms of the loan. This loan company is criminal. I believe by changing the loan the company intended to collect more interest and has somehow managed to do that despite never getting my permission to change the loan.
Consumer complaint received 2016-10-01
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I was a victim of identity theft in XX/XX/2016. One of the fraudulent accounts was a Capital One 360 Bank Account. I called Capital One and notified them that I never set up this bank account. I sent Capital One via certified mail a month later, an identity theft affidavit, along with a copy of my police report. Capital One assured me by phone several times that the matter had been taken care of and the account was closed. 

I applied for and was approved for a Capital One Quicksilver credit card XX/XX/2016. I have made attempts to register the credit card online with Capital One to make an online payment. However, I am unable to do so. The reason I am unable to do so is because the identity thief who set up the Capital One 360 account set up a user ID of XXXX. Capital One should have disabled any login credentials the identity thief had when I notified them of identity theft. They did not. Now the identity thief has online access to my accounts and I have none. 

The reason I am complaining is because I have reached out to Capital One regarding this twice and encountered long hold times and reached no one who knew how to resolve the issue. Capital One was supposed to give me a call back regarding the matter, as no one accepting inbound calls could assist me. No call back. Capital One did not take my notification of identity theft seriously, they did not disable the 360 bank account that the thief set up. They did not disable the user ID XXXX. Now I have no access to make payments to my new credit card online because they are catering to the identity thief and refuse to help me. 

Since I can not get through to Capital One by calling, I am making this complaint and hoping that the Consumer Financial Protection Bureau can help me to get the protection I need. I hope that online access through user ID XXXX that the thief has to my Capital One credit card and to the bank account which I did not set up can be disabled. 

I have been through the worst experience of my life and knowing that Capital One will not even speak to me regarding this matter is disheartening. By having access to my accounts, this identity thief can compromise this new credit card.
Consumer complaint received 2015-06-03
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

yes i contacted the XXXX about capital one bank about i cant afford my high card payment every month.cant make the full payment each month???? have not heard anything back from capital one bank on credit card.my paymeny XXXX a month.im XXXX years old XXXX.
Consumer complaint received 2016-10-25
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I was on long XXXX for almost a year. I contacted Capital One to utilize my protection coverage while out of work. During this time, they never applied it to my account and I incurred lots of late fees, over the limit fees, etc. After speaking to over 20 customer service representatives, I finally reached one that said that I should of also been enrolled into the Specialty Assistance program in which I could make any amount of minimum payment and would not incur interest or late fees. I was removed from the program because I disputed a late payment and had to keep calling to get the fees refunded. By this time, my account is in a restricted status. The representative also advised me that once my account was under the limit, they would unrestrict my credit card. They said to keep making payments on time and then apply for another card. My account is still open, current, under the spending limit and they will not remove the restricted status so I can use my credit card. I am paying on time and no late payments but they still want me to pay it and not be able to use it. They said I needed to wait until an offer came available. Another representative advised me that if I had an emergency, they could lift it. At the time, I did n't have an emergency but I remembered and documented that call. Then a few months later, an emergency came up. My family and I is from XXXX XXXX and I needed to help get supplies and rent a car so I contacted with my concerns and emergency because they advertise being big supporters of it. I stressed to them my family was severely affected by Hurricane XXXX and some lost everything and I needed the available credit on my card to be released.
Consumer complaint received 2020-01-20
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (AZ)

Comenity was houses XXXX store credit card called my dad on his cell phone today. That phone number 1 ) was never given to them and 2 ) does not belong to me. Why did they call it and NEVER CALL IT AGAIN.
Consumer complaint received 2015-05-14
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Service of Nevada (NV)

XXXX for my, then XXXX yr old daughter XXXX. I have XXXX XXXX XXXX. through the XXXX XXXX XXXX in XXXX Nv. I pre authorized the work on XXXX. The XXXX was done on XX/XX/XXXX. A XXXX later, if there was some problem with the covered amount, they had plenty of time to know. I came to pay it in full after a XXXX months of small pmts. and XXXX XXXX XXXX XXXX 's staff said I owed XXXX I have a written pre auth for {$630.00} So I said they needed to call XXXX XXXX again and straighten this out. It went back and forth, They would say I only owed XXXX then back up to XXXX ... I got a note from XXXX, a office staff person at XXXX XXXX 's, saying that she called XXXX and I and my daughter were fully covered and she resubmitted, that was XX/XX/XXXX ... months later. XXXX XXXX, I got a statement form XXXX XXXX Saying the amount I owed my provider, {$630.00} exactly. I sit here now XX/XX/XXXX, The Collection Service of Nevada has garnished my wages, I make {$XXXX} per hour, and I will have trouble feeding my XXXX children, and making mortgage. I have had this problem with XXXX other dentists in the XXXX area ...??? Is this just how they do business? I ALWAYS have gotten a pre Auth. and always say " Please make sure this procedure is covered to the amount quoted ''. Is that some kind of a joke with dentists? You sign that you will be responsible, Then they do not make sure you are covered to the amount quoted. Knowing full well that you will be on the hook anyway. So when I talked to XXXX XXXX XXXX month, before the attached my wages, The woman was looking over all my documentation she says, " they should have known before the final root canal and cap that you were maxed out ''. So did they know? Sounds like they might have. And XXXX other woman who works with me, has had the same problem with the same dentist, over billing after the quote, with the same Ins.
Consumer complaint received 2021-01-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (MN)

I had a previous checking accounts with Wells Fargo Bank, and the negative balance and debt, on those previous checking accounts was XXXX in bankruptcy court under Chapter XXXX Bankruptcy on XX/XX/XXXX in the United States XXXX XXXX of XXXX  Bankruptcy Court. Wells Fargo Bank informed me that they had adverse and negative bank account information deleted from my XXXX XXXX XXXX XXXX XXXX Consumer Report, and informed me I could open up a checking account as long as I go into a local branch and open up the account and show identification documents. I went into a Wells Fargo Bank Branch on XX/XX/XXXX to open up a checking account. The checking account was opened. On XX/XX/XXXX, I received a phone call from a Wells Fargo Bank Fraud Prevention Specialist informing me that the new checking account ending in XXXX would be closed in 10 business days due to me being a security risk to Wells Fargo Bank because of previous checking accounts I had with Wells Fargo Bank and due to filing Chapter XXXX Bankruptcy, even though the debt from those previous checking accounts was XXXX in bankruptcy court, and Wells Fargo Bank told me I could open a checking account. There has been a lot of miscommunication on Wells Fargo Bank part. Wells Fargo Bank is discriminating against me because of previous checking accounts I had with Wells Fargo Bank, that had a negative balance, debt, and was XXXX in bankruptcy court under Chapter XXXX Bankruptcy, Wells Fargo Bank is discriminating against me because of my XXXX, me being XXXX XXXX  ( XXXX ), and just overall denying me credit and an opportunity to reestablish my credit and build a new and strong relationship with the bank. Wells Fargo Bank is in complete violation of the 1974 Equal Credit Opportunity Act ( ECOA )
Consumer complaint received 2016-07-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America was sent a Notice of Error and Request for Postponement of Foreclosure Sale for XXXX XXXX. The Notice of Error advised BOA that it had failed to send the required Post Foreclosure Referral Notice and had failed to provide the borrower with a proper loan modification review. The Notice requested postponement of the foreclosure sale to complete said loan modification review. Bank of America is proceeding with foreclosure.
Consumer complaint received 2020-12-21
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. (AL)

I have previously disputed some items on my credit report. Experian has come back and said they were " Verified as accurate and belonging to me. '' I have continuously told them this is not true. One of these items is a collection for XXXX. Again, they verified this as mine and accurate according to Experian. However, I have received a letter from XXXX XXXX XXXX who i contacted because they show the collection company on my report for XXXX. They responded to me with a letter stating they can not located anything for me. I have attached that letter and the items I have been disputing. It is clear Experian has been lying and they clearly did not verify this as mine since the collection company themselves have stated they have nothing on file for me. This also tells me they have lied about verifying any of the other items as mine.
Consumer complaint received 2020-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.