davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (AZ)

1. Lost my information in a data breach and were very uncooperative, denying that they had a data breach after sending them the XXXX  files that notified me. -This led to identity theft, causing all of my accounts to be taken over, maxed, closed down, credit history destroyed, my house being listed currently, marriage over, don't have a car any more and cant get financing, all because of gemini and XXXX  XXXX. 2. Blamed it on me. After depositing {$250.00}, plus XXXX ethereum which never showed up, my account was frozen and has not been unfrozen ever since. They have dodged the issue, and have attempted to tell me that a payment was reversed. They don't accept payments, I would never send a payment to them for anything, and my XXXX  account shows the exact amount that I am saying they stole as being sent to them. 3. Block me from being able to access it by giving horrible customer service, and making me repeat a 2 week cycle of verifying myself with pictures, telling them why i'm contacting them, being condescending towards me, until I report them to you, the police, the FBI, SEC, my consumer attorneys in this case, and I think just hope I'll go away. Once i've answered all of their verification questions, someone else takes the email chain with the pictures and all of the things they've asked for 2 weeks in order to unfreeze my account, where supposedly my XXXX and {$250.00} USD are stored, and acts like it is the first time I've emailed in and says that they are sorry but they can't talk to me unless I verify myself. Constant loop of that which has gone on since 2021. 4. They've not paid what they owe from their class action settlement. They've gone as far as denying ever being involved with a class action lawsuit, as well as an SEC lawsuit for being an unlicensed securities vendor. They call themselves a " licensed trust company '' like I care at all about their justifications. Theft, fraud, racketeering, deception, lible, slander, defamation, identity theft, perjury.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (WA)

I have been with Mr. Cooper/Nationstar since XXXX of XXXX. My monthly mortgage payments were {$2100.00}. I have been paying every month, on time with more than minimum. I pay {$2200.00} every month on the XXXX of the month. XX/XX/XXXX of XXXX my {$2200.00} payment was submitted by auto-pay. My next statement showed a mortgage increase to {$2200.00}. This was received after my XXXX autopayment. XX/XX/XXXX I submitted my payment for {$2300.00} by auto-pay. 

XXXX XXXX I received notification that I was subject to foreclosure due to missing my XXXX payment. I called Mr. Cooper and was informed that because my XX/XX/XXXX payment was not the total of {$2200.00} therefore it was not appropriated to my mortgage but just sitting there as unappropriated towards nothing. I asked her to fix it and she stated that she would. 

Yesterday, I received notification that my credit score dropped by XXXX points due to Mr. Cooper/Nationstar reporting me as 30 days late on my mortgage. I again called and was told that because the {$2200.00} was not the full amount it was not considered a mortgage payment and thus I was 30 days late. 

1. ) I was not properly notified before my XX/XX/XXXX auto-payment that my mortgage was increased or I would have adjusted my auto-payment like I did in XXXX. I received no formal notice in advance of the increase in my mortgage statement. I only found out it was increased due to looking at my XXXX statement and noticing the increase. 
2. ) If my {$2200.00} payment was insufficient why has it not been returned to me and is being held by the company as unappropriated? That payment is not good enough for my mortgage but good enough to keep my payment? And what are you using my {$2200.00} for if you are not applying it to my mortgage, escrow, or principal? 
3. ) If Mr. Cooper/XXXX refuses to reappropriate my XX/XX/XXXX payment towards my mortgage then I demand that money back plus interest. 
4. ) I demand they rescind the delinquency on my credit report as it is inaccurate and false reporting.

5. ) I have been a loyal customer. I have put my payments on autopayment through my bank to avoid missing a payment or late fees which is what any responsible individual would do. I am a XXXX XXXX with a XXXX degree and my husband is a XXXX XXXX. We are taxpaying, responsible citizens and I feel we are being punished for nothing. This is unacceptable.
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (MA)

I have been a loyal and excellent customer of Amex for 15 years. My credit score has always been Very good or Excellent. I have always paid on time. 

For a period of 6 months this year, I have had to use my credit to its full extent as it happens that my self-employed income ( about 50 % of total income ) is all getting paid in XXXX and XXXX. Suddenly and without warning, Amex decides to decrease my limit by 30 %. Had they notified me of the upcoming change, I would have been able to secure other sources of credit for the XXXX weeks left before my income comes in, but they did this without cause ( no missed payments, change in income or bad credit score ) and effective immediately. All appeals options would take a minimum of XXXX weeks, rendering them useless. Securing a XXXX takes up to XXXX weeks. Essentially they are leaving me stranded, without options and without cause. Considering my credit limit has been stable for years, I consider this to be false representation. They advertised my credit limit as being one thing and then changed it without notice and without cause. They also offered no appels options that work for a self-employed mode of remuneration. Such business practices should be outlawed.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

My XXXX  died a few weeks ago and I received a check from Capital One as the XXXX on her account. I received a check made out to myself from Capital One and I deposited this check directly into my Capital One 360 checking account because when I checked to see what the deposit policy was it stated that based on the type of check and type of checking account I have that the funds would be available the next day. However after taking a photo of the check and submitting it the app showed that it would not be available until XX/XX/23. This makes no sense whatsoever because I could have taken the check to a local Capital One and cashed it and then deposited into my Capital One account or taken it to one of my other financial institutions and deposited the cash. I received an email from Capital One stating that they have reason to believe that the funds will not clear and its their own check for funds that they owed to me. I spoke with a supervisor who advised that they couldnt release the funds and I also couldnt close my account with the deposit pending. This is a horrible way to treat people who are grieving and a horrible first impression to make with a new customer. I only opened this account because of how wonderful the local branch was with helping deal with my deceased mothers account.
Consumer complaint received 2024-09-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I was driving from XXXX  to XXXX  when I made an online payment. Fifth third has tagged my account as 30 days late because it says I made the payment at XXXX XXXX  EST and the cut off is XXXX XXXX  EST however the payment was made at XXXX XXXX. I have made multiple phone calls and apparently a time change occurs between XXXX  and XXXX  when traveling or crossing XXXX. I spoke with a supervisor XXXX at fifth third who could not have been more UNHELPFUL. I explained the situation. She confirmed the time stamp on their end but would not offer to assist me in any way nor escalate my call to someone who would have been a bit more helpful or offered assistance. I can not control how the time fluctuates and changes and for XXXX minutes should not be penalized. I need someone to help me with this situation please.
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MI)

I was in XXXX XXXX and had some problems. As a resault I had a couple disputes. Discover did not handle these desputes properly and as a result they failed to honor their warranties and my disputed requests. I still feel these charges are false and requested of Discover several times, that these items go to arbitration. They have not responded, it has been over a month. I have also requested a copy of the Cardmembers agreement. They have not provided that and it has been over 2 months..
Consumer complaint received 2024-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (OR)

After consolidating my debt in XXXX I had a total loan balance of about XXXX. XXXX convinced me to enter forbearance because at the time I had just completed my XXXX XXXX XXXX XXXX and did not yet have a job. During this time my balance grew quickly to over XXXX. I then began making payments in XXXX in the amount of around {$2700.00} per month. I continued making payments without checking my account until the pandemic paused student loan repayment. Over the time I was making payments I estimate I made approximately {$200000.00} in payments. After notifications began that student loan repayments would begin again I looked into my account and discovered that none of my payments had ever been applied to my principle balance. The entirety of my monthly payment was processed as an interest payment. This was fraud because the amount of interest accruing was less than my payment amount. As remediation I am requesting that all payments I have made be fully applied to my original loan balance and any forbearance interest balance to be expunged. Or I request that my loan simply be canceled as it was managed in a fraudulent way in order to maintain high interest payments without reducing principle.
Consumer complaint received 2024-09-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (LA)

Bank of the West sold my XXXX loan to BMO. BMO process in the way they apply my payment has to be illegal. For example this past month I made payment on the 12th of the month ( Thursday ) USING BMO PAYMENT SYSTEM. On the 13th of the same month ( Friday ) payment is shown deducted from my my account, that I used to pay the BMO note. Finally on the XXXX of the month ( Tuesday ) my account is shown as paid. That is 3 days with BMO having my money and which I am paying the interest when BMO has my money but elects not to apply my payment for a reason that can not be explained. In my case that is a interest cost of {$28.00} a day over 3 days that equals {$84.00} or over {$1000.00} dollars a year solen from me.
Consumer complaint received 2022-01-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC (GA)

My daughter died. I notified the mortgage company by telephone and email. I was required to notify the survivor in interest ( SII ) department. I have paid all back mortgage payments and sent a copy of the court order issued to me, i.e., " Order Appointing Administrator. '' I have sent more than three copies of the court order to three different offices. 
The mortgage company has not sent me any information concerning the status of the mortgage. I called and asked for a letter clarifying what is needed. I explained to the mortgage company that the recent letter I received from them was dated XX/XX/XXXX but was mailed on XX/XX/XXXX. I did not receive the letter until after XX/XX/XXXX. 

I called on XX/XX/XXXX to determine where to send the mortgage payment and to receive information concerning my status as the survivor in interest BUT the mortgage company would not give me any information. And, they would not explain their letter dated XX/XX/XXXX but mailed on XX/XX/XXXX.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

My husband and I opened a joint savings account in XXXX or XXXX. We advised that we wanted a joint account. We were told we were opening a joint account, where each of us would be able to access all money, documents, and information about the account. I am not able to access statements for the account, and my husband has to approve the bank making copies of statements for the account. The bank said only the primary account holder has access, but we were told that I would have full access when we opened the account. I have requested documents for the opening of the account, the bank says there are none. I requested to speak with a manager, and was told would take up to 45 days for them to call me. No one ever did. I called back today, XXXX/XXXX/XXXX, and was told that my request for contact was misfiled, and they will fix it, but I will have to wait 30 more days for a response.
Consumer complaint received 2024-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (ME)

I can no longer access my account information with XXXX  but I would like to see if I was put into forbearance incorrectly. I would also like to know why my loans were not forgiven due to fraudulent school ( XXXX XXXX  ).
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My personal account, business account and my husband account all been locked, the bank hold our money and said that is because legal order, I have keep checking my credit report and all the government service I did not have any record. what kind of legal order is, I also never received any collection letter or court judgment, I really want to know what happen.it have been 2 week the bank also did not provide me any detail or information just ask me wait.
Consumer complaint received 2022-02-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (NY)

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant XXXX XXXX XXXX XXXX ( XXXX ) and you assume civil liability pursuant XXXX XXXX XXXX XXXX ( XXXX ). Synchrony Bank has violated my federally protected consumer rights by taking adverse action against me Pursuant XXXX XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (MI)

I had a couple of disputes that I feel Discover failed to honor their warranty, and did not issue a chargeback. Because I still feel that the charges are fraudulent, I filed a civil action in court against Discover. I did this about 2 weeks ago. Now Discover has received this suit and, as a result, has closed my account. ( To be specific they have demanded that I agree for them to have unlimited access to my IRS records ) I would not give that permission to my mother. Non the less a place like Discover! This is not a normal practice, and is not done by any other card issuer! They can not cancel my account or alter it for any legal reason so they are doing this. I have perfect credit. Never late with Discover or any other card.. I had done my research prior to starting the action against Discover, and am aware it is unlawful under federal law to change a credit line, or deny credit to anyone seeking legal actions with a creditor. Based on the thousands of similar complaints to mine on this site, XXXX, Consumer Affairs, and the XXXX I am very shocked a lawyer has not filed a class action against Discover.
Consumer complaint received 2024-09-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (MI)

got loans from sallie mae in 2007 ( or sooner ). then was transferred to navient and recently someone else. I was told not eligible for forgiveness even though I've been paying 20 years. I should never have been granted these loans since i never had a way to even pay for them. these are certainly predatory practices by sallie mae and the colleges to get students locked into a lifetime of debt!
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P. (TX)

XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX Balance {$530.00} Balance updated XX/XX/year> XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX 
Balance {$700.00} Balance updated XX/XX/year> XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX Balance {$990.00} Balance updated XX/XX/year> I'm not liable for theses debts. I do not have a contract with the collection agency trying to collect. They did not provide me with the original contract as requested.
Consumer complaint received 2024-09-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TN)

I had taken out private student loans through XXXX XXXX  XXXX National Collegiate Trust to attend The XXXX XXXX in XXXX and again in XXXX. After attending this XXXX I had trouble finding work. They would not work with me to lower payments. My options were to pay the full amount or to not pay at all. At one point I attempted to have my co-signer released but was denied. I was sued for non payment for the full amount of the loan. Proceedings were going on during covid. They did nothing to work with me even during this time although it was acceptable for their lawyers to take weeks on end getting back to my lawyers in attempts of negotiating a settlement. My lawyer tried to tell them at the time of the XXXX XXXX fraud but they pressed forward regardless of covid or anything else going on. I had another loan that I settled on later on out of fear of being sued again. The phone calls and harassment were relentless. This past May all XXXX XXXX loans between XXXX have been forgiven due to fraud. Even private loans are now being released. I would like to see a refund on the amount that I had paid as well. My biggest hope is that anyone that reads this avoids NCT at all costs. Even if you were already victimized by your school they will make sure you are victimized again. I doubt I will ever see a XXXX  returned from them.
Consumer complaint received 2023-04-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lendmark Financial Services (OH)

On XX/XX/2022 the consumer completed an online credit application with Lendmark Financial Services and after completing the application the consumer has become a victim of " unauthorized use of credit '' pursuant to 15 U.S.Code 1602 ( p ) and being " discriminated against '' pursuant to 15 U.S.Code 1691 ( a ) ( 3 ). Futhermore, Lendmark Financial Services has obtained the consumer 's " consumer report '' under false pretenses pursuant to 15 U.S.Code 1681q because Lendmark Financial Services does not have " permissible purpose '' pursuant to 15 U.S.Code 1681b. Pursuant to the Consumer Credit Protection Act, including but not limited to, Truth In Lending ( 15 U.S.C 1601 et seq ), the Fair Credit Reporting Act ( 15 U.S.Code 1681 et seq. ) and the Equal Credit Opportunity Act ( 15 U.S.Code 1691 eq seq ), Lendmark Financial Services actions are of the following " unauthorized use of credit '', " obtaining information under false pretenses '' and " discrimination '' which is a civil violation ( 15 U.S.Code 1681n, 15 U.S.Code 1681o and U.S.Code 1691e ) and criminal violation ( 15 U.S.Code 1611 and 15 U.S.Code 1681q ) with respect to the consumer.

On the online credit application by Lendmark Financial Services, the consumer provided two ( 2 ) " credit cards '' pursuant to 15 U.S.Code 1602 ( l ) existing for the purpose of obtaining money on credit. The first " credit card '' the consumer provided was the consumer 's social security card, the second " credit card '' the consumer provided was the consumer 's drivers license. Both cards were then " accepted credit cards '' pursuant to 15 U.S.Code 1602 ( m ) and upon completion of the online credit application the consumer received no benefit from this transaction. Lendmark Financial Services sent a letter of " Adverse Action '' to the consumer stating that " In compliance with Regulation B ( Equal Credit Opportunity Act ) ... your recent application for credit has been declined/terminated. ''
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

On XX/XX/XXXX I recall that my XXXX went bezerk and shut it off when I turned it on a XXXX screen hover over it and I took it to a repair shop here in florida the repair person told me my phone was hacked and he stated that nothing happend smart of you to turn off the phone, aiat took me five hours to recover all my information as blue screens showed also after that incident I did not pay any mind to it my girl firend and I are engaged and trying to buy a house it is XXXX XXXX when the real estate agent ran my credit XXXX XXXX  accounts showed up as mine nothing of that I dont have a XXXX  card I called XXXX and they told me nothing we can do pay up or we will send collections notification never got any I bessech you helped me and let me get a striaght answer to this neglect