davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (AZ)

XX/XX/2021 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Complaints : XXXX. XXXX XXXX XXXX, IA XXXX Dear Madam/Sir : Sallie Mae misleadingly and fraudulently advertises that it allows forbearance and/or deference in several instances but does not. This is not the first time I was promised that I would receive a deferment or forbearance only to find that it was not processed, thereby leaving me in a lurch and forcing me to make a payment I should not have needed to make. 

I was notified that Sallie Mae gave me two months of deferment but the deferment was not applied in time so I had to make a payment in order to ensure the positive reporting of my account.

Not only this but I was still relying on the two months of deferment that it promised me but just received a notice that I am two months behind on my account and that it will be reported on my my credit report as a negative account. 

By furnishing false and misleading formation to the Credit Reporting Agencies, Sallie Mae is in violation of the Fair Credit Reporting Act, Federal Debt Collections Practices Act, predatory lending laws, multiple additional consumer protection laws, and multiple CFPB consent orders. Sallie Mae has been the subject of numerous complaints and enforcement actions by the government.

I request that Sallie Mae process my loan requests as it should already have and suppress any negative reporting until this issue is resolved.
Consumer complaint received 2021-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (FL)

I have a promotional balance with my credit card that is expiring within the next two months - Ive applied XXXX in payments to pay off the promotional balance. However, US Bank is refusing to allocate the payments to the promo that is expiring. They will only allocate the payments to the remaining balance which means Ill never get this card paid off. The practice to not allow a customer to allocate a payment to a promotional balance within the last two months of the promotional period is an abusive practice as it doesnt allow the customer to pay off their promotional credit. Please help!
Consumer complaint received 2021-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (TX)

Aspen XXXX, a/k/a Gregory Funding, is using deceptive and abusive practices to confiscate funds that are not in keeping with the strict adherence of the Deed of Trust. I have entered into an agreement with the county to compensate me for the easement for a partial taking. Gregory Funding is stating that their secure instrument requires that they are entitled to the funds, when it is clear that their formula and their interpretation of the loan document states if the partial taking is equal or more than their secured instrument. They are holding up on the Consent of the Lender letter required by the county in order to allow payment to me the borrower. The payment is in the amount of {$66000.00}. The Lender wants it applied to the mortgage, even though they are completely secured and the value of the property is approximately {$100000.00} more then the principal. They are not applying the Deed of Trust instructions in securing an appraisal immediately before the partial taking and the payoff immediately prior to the taking. The Lender will not be reasonable even when it was offered to divide the compensation due to the owner equally with the Lender.
Consumer complaint received 2021-07-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Aqua Finance, Inc. (MD)

Letter to XXXX XXXX I submitted a letter to the credit card company XXXX XXXX on XX/XX/2021 requesting a refund of the monies paid for a product ( security doors from XXXX XXXX , XXXX located in XXXX, MD ). I submitted a letter to XXXX XXXX on XX/XX/2021 and made several phone calls to the company regarding the dissatisfaction of the product and lack/no response for service from XXXX. A formal investigation was requested with no results of follow up from either company. 

On XX/XX/2021, XXXX  removed the doors for repair as a result of filing a complaint against XXXX XXXX  through the XXXX XXXX XXXX, complaint # XXXX. We were told by XXXX that the repairs would take two to three weeks from date of pick up. During this time, I called an left a message for XXXX to come and repair the wrapping that was left on my home by the company that was improperly installed. I received no follow up communication from the company. 

XXXX XXXX and XXXX and my husband were on a conference call on XXXX XX/XX/2021. In a good faith effort, my husband agreed to have the doors installed on XXXX XX/XX/2021. This did not occur. XXXX called and cancelled. We do not have the doors and no longer want the product. The company has the doors. We are dissatisfied with the product and the lack of service.
Consumer complaint received 2016-10-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (IA)

I became a Wells Fargo customer in XXXX with, as far as I know at this time, XXXX checking account and XXXX savings account. After reading about the recent news about Wells Fargo I started to review my old statements. I believe starting in XXXX, I became a victim of fraudulent fees and possible unauthorized transfers as a result of their banking practices. I have full documentation of all account use since XXXX. I am attaching a statement from XXXX and XXXX XXXX as an example.
Consumer complaint received 2021-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC (MN)

On XXXX XXXX, I received my ARC by XXXXXX/XX/XXXX, statement informing me they did not receive my XXXX payment. I called their customer service dept on XX/XX/XXXX and was told they would send me a " Missing Payment '' form. I waited 5 days and called again only to be told that they no longer had access to my file and that I should call the new mortgage company, XXXXXX/XX/XXXX I called their customer service and was told I still had a delinquent payment. 
I belong to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN. I authorize my mortgage payment to be paid monthly on the second or third of each month. 
The XXXX payment was withdrawn from my account on XX/XX/XXXX. I attempted to send copies of proof of this payment to XXXX only to be told to talk to XXXX XX/XX/XXXX because they did not have my file.. 
I have records of my many attempts to provide the proof of processing information I have available digitally on the XXXX XXXX XXXX XXXX checking system to XXXX and XXXX. 
I called XXXX XX/XX/XXXXcustomer service ( these calls happened from the XXXX of XXXX through the end of XXXX XXXX - I was asked if the check was cashed which surprised me because no one had asked that before. I immediately called my credit union to be told they would check. I was then told that it had not been cashed. The credit union applied the payment into my account and I requested the payment to be made on XX/XX/XXXX. XXXX received the payment and I am current. 
My husband passed away the middle of XXXX and because he was a XXXX veteran, I applied and was subsequently approved to apply for a low interest loan, I was told on XX/XX/XXXX I was turned down for this loan because I had a delinquent payment. 
I called XXXX on XX/XX/XXXX saying that I had made a good will attempt during the month of XXXX to straighten out this problem that I DID NOT CAUSE only to be told they were legally obliged to process the delinquent payment to the consumer reporting agencies I was aware that there was to be a transfer effective XX/XX/XXXX and had adjusted my payment information accordingly. The XXXX payment went through with no problem.
Consumer complaint received 2021-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (VA)

I made an online purchase on XX/XX/21 for {$63.00} through XXXX using my Citi card. I received an email confirmation of my XXXX transaction that included the correct shipping address for the item. However, I did not receive an email confirmation from the online store. On XX/XX/21 and XX/XX/21, I sent inquiries to the email address on the XXXX confirmation regarding the status of my order. I received no response. 

I initiated a XXXX dispute on XX/XX/21 ( XXXX ). They closed the dispute on XX/XX/21, stating that they contacted the seller and received delivery confirmation. However, they would not release any additional information, including the tracking number provided by the seller. 

I initiated a Citi dispute on XX/XX/21 ( XXXX ) and provided a record of my receipt and failed attempts to reach the seller. On XX/XX/21, I received notice from Citi that the seller provided delivery confirmation and Citi would close the dispute. This time they provided the tracking number ( XXXX ). 

I contacted XXXX via live chat on XX/XX/21. The representative confirmed the item was delivered on XX/XX/21. She also confirmed that the mailing address I provided, the same one on my XXXX receipt, was not the address to which the package was addressed. Unfortunately, for privacy, she could not release the actual address. 

I provided this information to Citi via phone, email, and live chat. I then received notices on XX/XX/21 and XX/XX/21 from Citi stating, " We previously requested necessary information from you concerning this dispute. We did not receive a complete response to our request. '' After each notice, I contacted Citi via phone, email, and chat, inquiring about what information they needed. I received reassurance through each channel that the Dispute Department would contact me. Finally, on XX/XX/21, I saw that Citi again closed the dispute because I did not provide them the information they requested. 

At this time, I am out of options. I can not contact the merchant directly. I provided Citi with confirmation from the shipping company that the item was addressed incorrectly. In the end, I never received what I purchased, and I truly hope you can help me find a resolution.
Consumer complaint received 2021-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am reaching out for you to delete the following information in my file. A full description of the items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items are completely and fully deleted to correct my credit report. I've reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-10-13
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (NY)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure toreverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2019-10-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (PA)

On XX/XX/2019 i inquired to credit agencies why my FICO score had gone from a consistent XXXX to XXXX i found an outstanding bill for Comenity BankXXXX XXXX for purchase of a sofa chair, 3 dining chairs, and a dining bench. i had never received a bill because they did not have our  apartment number. They said my account was undeliverable. i paid the {$2100.00} immediately on XX/XX/XXXX after being mistreated by five less than polite people in their collections department. The process took two hours.

Although they were able to deliver the furniture to my apartment in XXXX, which required them to call me and find my apartment, get another {$1000.00} payment by phone, they were not able to deliver my statements! At the time of payment on XX/XX/XXXX, i asked to receive a detailed billing which they said they could not do but i could go online. They could not give me my account number to go on line but said that now that they had my correct address ( apartment number was missing ), they would send a bill and i could do that. They said my credit rating would be repaired since i only missed two billing cycles. 

it is XX/XX/XXXX, i have NOT received ANY statements and my credit rating is even lower ; not allowing me to refinance my mortgage. I am still unable to review my statement nor do i have my account number. How do they manage to contact me and make arrangements for and deliver furniture yet not get me my statements for me to make payment in a timely manner? 
i have written the bank a letter and sent an email with no response. Pottery barn has informed me that it is not their issue.
Consumer complaint received 2019-09-06
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CMRE Financial Services, Inc. (FL)

Nothing best described how to communicate dispute in arraigned statements on preceding page trying to pay debt debt service CMRE will not return via electronic mail contacted many times no return contact want to pay off debt but debt collectors is not allowing me to many electronic mail messages and no response I do not use phone and am unwilling to do so but company will not accommodate my requests
Consumer complaint received 2019-12-19
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)

I have sent Capital One notice stating that I was unable to pay this Credit Card balance on as of the moment due to a lack of income, however I have now been dealing with harassment letters from someone claiming to be a Creditor ( XXXX ) for several months. 

I have requested proof of the whereabouts of from XXXX for several months now and have not received a ligitamate response with proof of the requested documents such as : 1. Show me the evidence of the original contract from Capital One, because as it stands, there is currently a class action lawsuit ( Zosiak Versus Capital One ) againts Capital One for having a " breach in their data base. '' 2. Provide the license that XXXX has to collect money from me in my state as well as the contract agreement that I orginally entered into with XXXX  to do so. 

3. XXXX XXXX XXXX is still lacking the proof of the charges as they pertain to the summary of this debt with Capital One. I have also requested proof of how they've obtained this information as mentioned previously, however my original request was never satisfied neither the latter. 

*what are the specific interests, fees and charges that brought this balance to a particular amount. 

I was hospitalized multiple times in 2019 as a result of the stressors from XXXX ' Harrassments. Please see documents from XXXX hospitalization if this portal allows for uploads.
Consumer complaint received 2019-12-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: CHARLES SCHWAB CORPORATION, THE (AZ)

My social security number is XXXX. Since about 2011, I am still waiting on wages owed to me. Over the past eight years, I've attempted to make partial payments on my balances owed approximately {$2000.00}. I believe I appreciate Charles Schwab Bank 's collection agency for accepting money from me over this time. However, the original funds have not been recovered from my client 's checks yet. Now, I am concerned about damage to my FICO score to qualify for a home. I am still collecting unemployment and now I am starting school next year.
Consumer complaint received 2019-12-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (VA)

Around XX/XX/2019 called to make my regular mortgage payment. Was told then need to pay a diffrent amount. Called back on XX/XX/XXXX, to again make the payment and was told i need to pay {$2100.00}. My regular payments were {$620.00}. This devistated me. All kinds of fees were added and I could not afford these payments. Close the end I found a Cash buyer and they based their decision on my XX/XX/19 statement. When we went to close the amounts change so dramtically they decided not to buy and now the house is in foreclouser. i really do not feel all the fees were fair. I felt like they forced the forclouser requesting so much money at ontime. Not even sure if this loan should be mines, thought my mother had life insurnace to cover the payments upon death which i provided the death certificate.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

These companies have reported late payments. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MARKED AS LATE WHICH NOW HAVE BEEN PAID OFF. XXXX XXXX XXXX XXXX XXXX XXXX ADDITION, I HAVE TRYED TO CALL COMPANIES STILL NO RESOLUTION TO MY VIOLATION. 15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code Notes prev | next ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have been trying to dispute these accounts on my credit report but i havent had any success. Please delete and block the following accounts : XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX {$25000.00}
Consumer complaint received 2022-02-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

Coinbase pro closed my account and will not give me access to my transactions so that i can file my taxes for 2021. They do not respond to emails. Their customer service people refuse to help me via phone. There inaction will be costing me money in fines if i can't get my taxes filed or file the wrong info with the IRS. Please provide me with my crypto currency transaction log. This all started in XXXX of XXXX. Now going on 5 months without any resolution.
Consumer complaint received 2019-10-12
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. (NC)

XXXX XXXX XXXX is reporting incorrect information on to the credit agencies. I asked for validation and received payment history that was confusing and doubling the amount owed on the account which is predatory for whom ever account it is. I told them this is not my account and they continue to report this incorrect information and has yet to provide me with what they are using to verify this account. I feel like this company is taking advantage of me and not responding to the complaint.
Consumer complaint received 2019-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I have been trying to close my bank account since XX/XX/XXXX and it was finally closed XX/XX/XXXX, the transcripts for the agents I spoke t speak for themselves, I was charged fees had fees removed then put back on, agents I spoke with including senior analyst lied and committed a fraud with information that changed depending on who I spoke with, I finally has to file multiple harassment claims against USAA and notified the VA about their shady practices.
Consumer complaint received 2019-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

I just made a payment in the amount of {$520.00} on XX/XX/19 - it is due XX/XX/XXXX ; the company site shows the payment as processing with a {$0.00} due at this time. I received an email just now from them indicating my payment is due soon and that the amount is {$1800.00}. 

Also, when I have received several emails about re-certifying my income-sensitive repayment which I have done also - through their site. I have serious health issues & am trying to start to make payments however this extremely upsetting & far more stressful than just deferring.