davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (TX)

I was denied credit due to a collection account that appeared on my credit. I saw that it was NCB MANAGEMENT SERVICES. They never sent me a notification or anything they just put it on my credit. I sent them a dispute and a request for validation of the account. I never owed anyone XXXX They also re aged the account as well. This has been going on for 95 days and NCB refuse to answer me. They continue to report this inaccurate unverifiable information on my credit.
Consumer complaint received 2023-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2023 I agreed to pay XXXX XXXX XXXX {$6900.00} for sewer line repair ( see email from XXXX XXXX and their estimate attached ). 
On XX/XX/2023 I paid XXXX XXXX {$1000.00} deposit from acc. Cap. One miles ending XXXX. ( statement enclosed ). 
On XX/XX/2023, over the phone, I authorized XXXX XXXX to debit my Cap. One Spark card ending XXXX for {$5900.00} ( also see email to XXXX XXXX XXXX enclosed ). 
But XXXX XXXX debited my Cap. One Spark XXXX card for {$7000.00} without my authorization. ( statement attached ). 
In total XXXX XXXX charged my credit cards for {$8000.00}, which exceeds the originally agreed payment of {$6900.00}. 
XXXX XXXX refused to refund the difference. 

I filed the dispute with Capital One. 
I explained that on XX/XX/2023 I did not authorize XXXX XXXX charged my credit card for {$7000.00} and that I did not authorize Capital One to pay {$7000.00} to XXXX XXXX ( see filled Cap One form enclosed ). 

Capital One requested invoice with the expected transaction amount, a statement including the last 4 digits of the card, an email from the merchant confirming the expected price. ( see Cap. One XX/XX/2023 letter, page 2, enclosed ). 
I uploaded all requested information to Cap. One web page ( see XXXX, enclosed ). 
Capital One stated that the uploaded documents " lacks all of the previously requested information '' ( see Cap. One XX/XX/2023 letter, enclosed ).
Consumer complaint received 2023-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc. (SC)

I woke the morning of XX/XX/2023 to a text alert that a charge for {$8.00} to my CashApp account had been denied. ( I only had $ XXXX {$3.00} in the account ). I immediately looked to see if I still had my card, and I did. I had not made any charges to my account. Especially at XXXX. I was happy that whoever did not get any of my money. I looked on the actual cashapp app, and it said that a user named " XXXX XXXX '' had tried to make the {$8.00} charge. I have never heard of them, and did not authorize any charge. Concerned about my information being out there, I " chatted '' with cash app twice. I told them that all I wanted to know was where did someone try to make the charge? In other words, where is " XXXX XXXX? '' In the most polite way humanly possible CashApp would not tell me anything. They kept saying that cashapp doesnt know who XXXX XXXX XXXXs. Then they would slip and almost tell me. But they did not. Later on that Friday the XXXX, I XXXX  and found a phone number for CashApp. My call was quickly answered, and again in the most polite way, I was told nothing about the attempt to make a fraudulent charge on my card. The three people I spoke to held the line on the company policy not to tell thier consumers anything. I sincerely believe that as the individual targeted for robbery, I should be privy to at least where the attempted charge was made. Knowing this could tell me more about the situation, such as who may have stolen my card number. 
Thank you XXXX This revolves around a CashApp card I have.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (OH)

Victim of identity theft. Could not get in touch with a Citi Bank representative. Called XXXX and they told me they could not help me with out a report. I don't have a copy of my police report because all I have is an email saying there was a hard inquiry on my credit.
Consumer complaint received 2019-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (NY)

The debt collection company CBE Group has been attempting to collect on a debt that is not owed by me. While I have received proof that the debt is real, it was opened by another individual with the same first, middle and last name as myself and I am in no way responsible for this debt. I have made the CBE Group aware of this via multiple letters, the most recent on XX/XX/XXXX, and they have refused to provide any evidence that it was myself, and not this other individual, who opened the account yet continue to claim I owe this debt. I have only received copies of XXXX billing statements listing the other individual 's name and home address, with continued demands that I pay.
Consumer complaint received 2019-02-21
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: S & S Recovery, Inc. (IA)

Today - XX/XX/19 S & S called me 5 times, called my husband 's personal phone, and called his work. I tried calling them back and they would hang up on me, send me to voicemail, put me on hold for long periods of time, and kept transferring me to people that weren't involved in the case without transferring me to the person I needed to talk to. The Vice President, XXXX XXXX was extremely rude to me, kept interrupting me, and not listening to what I was saying. Back a few months ago I told S & S that they were not allowed to contact my husband, but they call so many times a day, sometimes 3 times within a 20 minute period. I feel harassed by them. Also, they claim that I owe a higher amount than I actually do, almost {$2000.00} more than I do. I tried to resolve this but the managers were just rude and told me they could call whoever they want whenever they want, which is clearly against the Fair Debt Collections Practices Act. XXXX claims that everyone in his company is FDCPA certified but they can not follow simple laws.
Consumer complaint received 2019-07-16
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: Resurgent Capital Services L.P. (MS)

I have been dealing with identity theft on my credit report I have contacted all the creditors and the collection depts and I have sent certified mail to them all well also a ftc report of all the fraudulent activities on my report all the credit bureaus have removed all these items and hard inquiries EXCEPT XXXX  they are really giving me a hard time about removing these items off my report Company-XXXX XXXX XXXX XXXX LVNV funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send something to XXXX
Consumer complaint received 2023-08-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (AZ)

I've tried on numerous occasions to pay off this charged off account with XXXX XXXX in the amount of {$330.00}. Because I don't have an account number/credit card number I can't reach anyone to pay the debt. I've tried calling several times between yesterday and today at several different phone numbers. The last number I was given to call is XXXX. There is no option to hit 0 to speak with a customer service representative. How can I pay a debt that I can't even speak to anyone about?
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Verisk Analytics Inc (TX)

XXXX XXXX XXXX used a company Called Verisk to investigate my history with auto insurance coverage. Verisk is through a company called " XXXX XXXX XXXX, '' XXXX XXXX XXXX # XXXX, XXXX XXXX, NJ XXXX, XXXX. I received a privacy notice after the insurance check that indicated my history would require that I pay for a higher policy. This did not seem right to me since my history with auto insurance is excellent. I wrote Verisk and received a copy of my Summary Report - " Coverage Verifier. ''  It reflects an auto insurance policy that I had from XXXX to XXXX with XXXX. It lists this as " Cancelled  '' in XXXX but does not show my current Auto policy with XXXX from XXXX to the present date. The omission of this current information is misleading and it appears that I have been uninsured, thereby giving me a bad " mark '' for anyone who checks my insurance history via this company. 

After several attempts to reach them, I am resorting to this option. 

It is imperative that they list my current and correct information for my Auto Insurance Coverage : XXXX Policy # XXXX. Policy has been in effect from XXXX to the present XXXX. The Verisk Report ID # is XXXX
Consumer complaint received 2019-07-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CO)

I called Freedom Mortgage Company ( FMC ) to refinance to get a lower rate ( over the last 2-weeks ).  I spoke to XXXX XXXX in their refinance department. We verbally walked through filling in the application answering questions. He then submitted them electronically ( email ) for me to sign. I noticed the mailing address was incorrect. XXXX entered XXXX XXXX XXXX, XXXX, CO XXXX ( not even an address ). I was refinancing for the home, which they are currently servicing, at XXXX XXXX XXXX XXXX XXXX, CO XXXX. When I found the mistake, I pointed it out to him expecting him to correct it. When I checked the next day, it was not corrected and he indicated that it was ok that I should sign it anyways and it will get corrected during the process. I would not sign it. I emailed him and called him over the next 4 days and he would not respond to emails or phone calls. I had to escalate to executive management before getting a call back from him. I then requested a different person to work with on this. 
I am providing this to CFPB, as evidence of the ongoing issues with FMC. In the past year, they have violated RESPA, paid my home owners insurance late, still have not provided me the full documentation that they are the servicer despite over 2-months of requesting it, did not inform me about the Escrow changes ( they are required to do ) and now seem to make fraudulent remarks on a refinance document that they " just want me to sign '' to move it forward. 

I have provided all of this to CFPB and XXXX XXXX in several forms and so far nothing has been done to hold them accountable. In particular, them breaking the law on RESPA ( they charged me a late fee and sent a negative credit report during the transition period ). RESPA clearly states the CFPB is the office that is to enforce RESPA yet I have been directed to seek legal council by CFPB staff. This is a criminal act which is the responsibility of CFPB. Please take action. XXXX
Consumer complaint received 2017-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

I ca n't provide dates, but Wells Fargo has persistently charged me overdraft fees, when I explicitly declined overdraft protection when I opened the account. I have confronted them about this, but it continued until I stopped using the account. Now they call about the uncollected fees, multiple times, daily.
Consumer complaint received 2017-08-31
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: Academy Mortgage Corporation (OK)

XXXX XXXX XXXX ( Loan Officer at XXXX XXXX ) did not get our consent to pulled the Credit. When my husband and I received a notification from our Credit Bureau on the XX/XX/XXXX. We thought our identity were stolen. We called XXXX XXXX XXXX immediately to find out what was going on. The representative from XXXX informed us that the pulled was from a Mortgage Company Named Academy. I remember XXXX XXXX, ( The Loan Officer ) mentioned to us they were moving to a different bank on XX/XX/XXXX. I called XXXX XXXX immediately and asked her why she pulled our Credit with out our consent. She then told us it was after hours for us to give her a call back in the morning. I called XXXX back the next day XX/XX/XXXX. She told me she thought I knew what she meant when she said she 's moving our file to Academy. As I was talking to her and trying to get a clear understand of why she pulled our credit without sending us any disclosures or what Academy Corp is about. She hung up on me. after 15 minutes later I received an email from her requesting us to accept E-consent. I also attached a screenshot of her email, alone with the call history and the Hard Inquiry from our CB.
Consumer complaint received 2017-08-31
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: The J. G. Wentworth Company (VA)

I purchase my home through the XXXX XXXX XXXX XXXX. My mortgage loan is with J.G. Wentworth. Over the past couple of years, I have had an increase in health insurance premiums, prescription medication, real estate taxes, groceries and utilities. In XX/XX/XXXX, I contacted XXXX XXXX a housing counseling agency to see if I could possibly get help in reducing my mortgage payments. I have been working with XXXX XXXX, Housing Counselor. This agency is part of the US Department of Housing and Urban Development ( HUD ). All documents were submitted to J.G. Wentworth through XXXX XXXX XX/XX/XXXX I received a letter in XX/XX/XXXXstating that my request for a Standard Loan Modification was denied because I do not have sufficient income that would allow J.G. Wentworth to offer a modification. My total monthly income is {$2800.00} ( retirement & Social Security ) and my mortgage is $ XXXX monthly. My total expenses are {$3500.00} monthly. Any increase outside of what I have budgeted shortens any funds that I would need for my necessities.
In XX/XX/XXXX, we submitted an appeal and have yet to hear if it has been denied or approved. My housing counselor has spoken to J.G. Wentworth on several occasions and each time she has run into a brick wall. I have also spoken with J.G. Wentworth and keep getting the run around. They will not provide the underwriters information and they denied the modification. I am current on my mortgage payments, but I dont know how long thats going to last. This is why I am trying to get a jump on my financial situation before its too late. I want to stay in my home. I do have the file that was submitted to J.G. Wentworth.
I do hope that we can work together to get a reduced mortgage rate so that I may be able to continue to making my mortgage payments. If additional information is needed I can be contacted via email or @ XXXX. Your assistance is greatly appreciated.
Consumer complaint received 2017-08-31
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (IA)

We purchased a car from XXXX XXXX in XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX and received the loan from Wells Fargo. In early XX/XX/XXXX We received a letter from Wells Fargo Auto Finance stating that they are changing our bank loan and that it would have a different name, and would not affect our loan in anyway and that we did n't have to do anything. So we had no reason to be alerted because it was who had our loan. When our payment book was on its last payment in the book we were so excited, but when the payment was taken out each month after for some time I started asking questions. I cant remember exactly the date we paid it off, but in XX/XX/XXXX we went to buy our house and in going through the process we found out our credit report showed that we had refinanced our XXXX XXXX car loan when we had not. I called the company and the woman said I needed to file a complaint and to send it to a fax number she gave me. I did so but the fax number was a none working number. I continued to call and each time I did they 'd give me the number and each time same thing. 
We do not understand why we had to pay an extra year of payments or how we refinanced a car loan with out our knowledge or signature 's. 
Because of Wells Fargo doing this it dropped my credit score from a XXXX to a XXXX and cause so much hassle trying to get our home. 

XXXX XXXX XXXX
Consumer complaint received 2017-08-31
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Ability Recovery Services, LLC (OH)

On XX/XX/XXXX I called Ability Recovery Services LLC and set up weekly payment arrangements with XXXX XXXX. He told me that because I responded to the debt so quickly, that it would not be reported to credit reporting agencies. I repeated this back to him to verify that the debt would not show up on my credit report. On XX/XX/XXXX this debt showed up on my credit report. I immediately called ARS and spoke to supervisor XXXX XXXX who told me that was no their policy and there was nothing he could do. He advised me that he would go back and listen to the tapes but it wo n't change anything. I pay them {$200.00} a month from a {$1300.00} a month salary to get this debt taken care of as soon as possible. My credit score dropped 4 points because of this. XXXX XXXX told me if the debt is n't paid in 30 days, they report it, which I was never told. I 'm trying to repair my credit and would have tried to make arrangements to pay in full had I known this. Not happy about the lies. Poor business practices.
Consumer complaint received 2017-08-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc. (AL)

I 've been receiving calls from an Illinois # for the past few days. Today, I decide to call back before I blocker it. I found it is a collection agency by he name of ARA. They said they were calling about a credit card I opened in XX/XX/XXXX and last appeared on my credit in XX/XX/XXXX. I asked about the time ( it 's been 16 years ) and was told it did n't matter. Then I was threatened by saying they could or would sue me. Then the guy I talked to said they saw I was connected to another credit account that was in good standing and they would collect from that. I called back to tell them not to call me anymore. Each person I talked to ( when I called back was rude, unprofessional and still threatening. I arguedo n't that I did not have a contract with them and this debt is over 16 years old and should have been cleared. I was told hat they purchased the account and I owe them. While I was talking to the first condescending representative, he just forwarded me to the office manager WHILE I was talking. The office manager was nothe any less condescending. As im reporting to the supposed office manager, I 'm told, completely nonchalantly, that he would have to review the tape to corrobviate my story. I ask, how long it would take and he, again condescendingly replies : I do n't know. Should I continue to be harassed, I will pursue the legal route ... ..but not before I report them to the FEDERAL TRADE COMMISSION, ATTORNEY GENERAL AND THE BBB!!!!!!
Consumer complaint received 2017-08-31
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: FIRST HOME MORTGAGE CORPORATION (MD)

My wife and I purchased a home through the XXXX XXXX XXXX XXXX. We closed on that home on XXXX XXXX, 2017 less than ( 1 ) month ago, during the inspection process there were issues discovered and the seller through their listing agent a licensed realtor of XXXX, the property is located at XXXX XXXX XXXX, XXXX MD. XXXX. the problem we are having is that during the home inspection the inspector noticed water damage in the ceiling of the main bathroom. The seller through the listing agent working with our licensed realtor XXXX XXXX XXXX agreed in writing to fix the problems. As a result of more recent rains the ceiling in the main bathroom is unsafe and unusable. All attempts to have the problem fixed have resulted in further delays and excuses. Pictures of the damage have been sent to XXXX XXXX XXXX the listing agent for my wife and I and that represented us the XXXX family through the process. The information I have for the Realtor is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Thank You for your assistance. This is n't a complaint against First Home Mortgage, rather against the listing agent and seller of XXXX.
Consumer complaint received 2017-08-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

I recently pulled a copy of my credit report and noticed two medical collections accounts being reported from Wakefield so I send them a letter certified. Requesting validation of this alleged debt they claim i owe them. I have requested that they prove that i am indeed the party they are asking to pay this debt the date of the alleged medical service the name of the patient and proof there is some contractual obligation binding on me to pay this debt. They have refused to provide copies of any agreement I have with them that grants authority to collect on this alleged debt or proof of acquisition by purchase or assignment and authorization under subtitle D of the ARRA, SEC 13401. APPLICATION OF SECURITY Provisions AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY
Consumer complaint received 2017-08-31
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: CITIBANK, N.A. (MD)

I was astonished once I looked at my XXXX XXXX XXXX XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2011 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.