davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (IL)

I refinanced my student loan with wells fargo in   XXXX   XXXX  . My old student loans were with  XXXX . Although wells fargo said they had sent the funds to  XXXX ,  XXXX  said they never got the funds. Both companies said I owed them the balance of the loan. After spending every day on the phone with both wells fargo and  XXXX , I finally got it figured out ad  XXXX  got the funds and by balance was {$0.00} in  XXXX   XXXX   XXXX  . Later in  XXXX , I got a call from wells fargo stating that they had received a check drom   XXXX   for the full balance of my loan and they would apply it to my account. i told them that it had to be a mistake and they should not apply it to my account. They applied it to my account and I got a letter stating that my loan was paid in full and closed. I called both wells fargo and  XXXX  to try to get to the bottom of the situation because I know that my account balance for both companies should not have been {$0.00}. Meanwhile, while I try to figure out that situation, I am in the process of buying a new house. My lender for my house calls me and says m y credit score dropped over  XXXX  points this week because wells fargo put de rogatory comments stating that i am ov er 90 days lat e on my payment and they have closed my account. I contacted wells fargo to confront them about the situation and they say that the account has never been late and it is paid in full. They state that it is not their problem that  XXXX  sent them the funds, But that I would need to work it out with   XXXX  . This has caused me to not close on my house because my  credit score  had dropped. This has caused me earnest money, appraisal money, and inspection money. Wells fargo is not being helpful in figuring out the situation,. I have spent hours on the phone with different people and they never seem to help with the situation.
Consumer complaint received 2023-04-17
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have a Credit Card account with Capital One. Opened 6 months ago. I have not had access to my account nor been able to use the card for the last 5 months. I have been told my account was restricted. I disputed an unauthorized charge on my account and the dispute results were found in my favor. It wasn't until I disputed the charge that my account was restricted & I was asked to verify my identity. I have been asked to re-verify myself by means of identification which I have done prior to establishing any accounts with Capital One. In order to establish accounts this information must be provided so I am very much aware that my identity thru my social security number & proof of residence was given on my credit application which was approved. It has become very embarrassing having to Prove my identity time after time just to maintain an active and unrestricted account. I am not even able to make payments on my account which in turn affects my credit score with Capital Ones reporting to the Consumer Reporting Agencies. I have Called several times in order to have this issue resolved. I've been verified by multiple agents already in this situation & yet I still have no regained any access to my account which I was approved for a credit limit of {$2000.00} I have not went over my credit limit & the interest charges are adding up to more than I've actually spent on the card. When I call Customer Service to get help or speak to someone who can assist me, I'm told that I have to resubmit my identification each time I call. This seems to be a targeted thing for me due to my mother & brother also having accounts with this Bank & not having to go thru the same ordeal as I do. My girlfriend is also a customer of theirs and she's XXXX I've personally sat next to her 4 times and recorded how quickly she's able to gain access to customer support. This has truly affected my credit score, my banking relationships & my Ability to stay on time with my monthly payments made to this bank for a credit account extended to me. The results of the dispute were in my favor I do not understand why I still have to verify the identity of myself when I am who I claim to be.
Consumer complaint received 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Today   XXXX   XXXX   XXXX   I receive a email from   XXXX   XXXX   stating that there has been a new item that has been added to my credit file and it was stating   XXXX   XXXX   credit wise so you open it up and it was not creditwise and it wants you to open and it takes you to Transunion and they want  XXXX  for the service and  XXXX  days trial then cost you  XXXX  per month. Why would I pay them a monthly fee when I get it free. I have all the copies of this coming thru  XXXX   XXXX  and it does not state anything about Transunion until you are directed. I feel this is illegal way for Transunion to get business.
Consumer complaint received 2017-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

On  XXXX / XXXX /  XXXX  , Navient received my payment for  XXXX  loans :  XXXX     XXXX   XXXX     XXXX    XXXX   XXXX      Loan   XXXX  got paid off completely, next loan  XXXX  was suppose to be paid off as well, it turned out my payment was more then enough, so they kept a credit of {$1800.00} against this loan without informing me. I emailed them after a week to use this credit amount and pay it towards  XXXX  loan. After a week they finally did it but : instead of making a payment  ( {$1800.00} ) tow ard loan  XXXX  they transferred all of the funds that were paid towards loan  XXXX  to loan  XXXX  so now loan  XXXX  has a credit of {$1300.00}, and loan  XXXX  is back to original state. Also loan  XXXX  bears higher interest rate. So after  XXXX  weeks from repayment I am still being charged interest on loans that were suppose to be repaid while they hold credit balances on paid off loans.     I refuse to call them, they have terrible customer service, I do n't have time to spend  2 h ours on the phone with them. They do n't respond to my emails anymore. Please help.     Thank You.
Consumer complaint received 2017-05-04
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (FL)

On behalf of my Client  XXXX   XXXX   XXXX   XXXX  I applied for an SBA guaranteed working capital loan.     On no less than  7 occasions over the past four  months the loan committee has requested additional information, which they already had. These people were too lazy to look for the info they already had.     Additionally after two months they asked for cost of goods sold information when there is NO COST OF GOODS SOLD. This is a company that receives a commission for its sales to customers from a manufacturer. How stupid can these people be.
Consumer complaint received 2017-05-04
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CFM Group LLC (GA)

The originator of the debt is   XXXX   XXXX  . We canceled our phone and internet service with them and switched to  XXXX . They were upset, so they left the internet service on, even through we switched to a different company and then started calling saying we owed them for the internet service. We told them we canceled the service and were not going to pay. They gave us some lame excuse that we only canceled the phone service, not the internet and that we had to do that separately, so we still owe them for that service. Since that time, they have sold our " debt '' to multiple collection agency. We explain to each  one  the situation and that we were not going to pay. Most have attempted to collect anyway and called for a month o r two th en given up. The most recent company,  CFM Group , phone #  XXXX , Representative  XXXX   XXXX  has been calling at least once a week. Last week Thursday   XXXX   2017 we  told him the situation, explained to them that we are not liable nor will we pay and that owner told us to be polite, but tell them no thank you and hang up.The owner of our company, then proceeded to call   XXXX   XXXX   and informed them again of the situation, which they insisted we owe them anyways and refuse to remove us from collections. However,  XXXX   XXXX  of  the CFM Group, decided that our response was n't acceptable. So today  X/X/  2017, he c alled 5 tim es in 10 minutes. The first  3 calls wer e handled by the sales woman here. She was polite and asked him not to call then hung up. He called back immediately and hung up on her. Then called a  3rd time and  she explained that he was acting in a harassing manor and he was not allowed to do that, he was impeding our business. He said he had the right do what he was doing, because his calls were a business call to collect a business debt and the call ended. Then he called back immediately and that 's where I stepped in. I got the call, confirmed it was  XXXX  again, told him that he has called multiple times in  10 mi nutes, which he said was n't true, but I was present for all the calls, and I told him that if did n't stop harassing us I would report him. I hung up, and he called right back. That 's when I informed him I was reporting him, and he told me " Good luck with that. '' This is a clear cut example of harassment by   XXXX   XXXX  . Some of these  collectors  think everyone is not informed of their rights in regards to collection. They use this to their advantage to harass people. We understand that they have a right to call, but to call multiple times inside a short period of time and harass us is never acceptable. We would appreciate your swift action. Thank you.
Consumer complaint received 2017-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WA)

On  XXXX   XXXX  I made a manual payment on my student loans through  Nelnet for my  federal loans ( and their subsidiary  XXXX  for my private loa ans ). I 'm also  set up to autodebit, where I selected " pay balance due '' as the payment option.     To me this should clearly mean I only pay what I currently owe on my payment date but apparent ly Nelnet and   XXXX  prefer to set their ToS in such a way that they 'll charge me a month payment on the date regardless. It 's not clearly expressed that making payment early does n't cancel the auto debit. I 've now been charged several  hundred dol lars  (   XXXX  by nelnet and  XXXX  by   XXXX   on  XXXX  ) between th e two.      While initially a call rep said I would be able to request a refund of the manual payment, the resolutions department refused on the basis of both payments being authorized. Since there 's no way to make an unauthorized payment I 'm not sure what else they expected. The person I talked to literally sounded like a soulless drone. They lectures about reading ToS and were callous to the fact they  may expose me to late fees and fines on other bills by double charging me. There was n o escalation beyond a voicemail I would not be guaranteed a response from.
Consumer complaint received 2017-05-04
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: SYNCHRONY FINANCIAL (CO)

I currently have  XXXX  promotional purchases active on my  Care Credit/Synchrony  Bank card. On  X/X/17    I contacted  Care Credit/Synchrony  bank and requested all future payments that I make be split equally between th e  XXXX  debts after noting my last entire payment was applied to only  XXXX  of the promotional  purchases. I was informed that it was not possible to do that which I find hard to believe. I requested that their answer be given to me via email or a written letter and was told that they could not do that either. I requested to speak to a supervisor and was told by the supervisor that I would need to submit a request in writing and they could take up to 90 days to get me a response. If I took 3 months to submit a payment, I would surely occur negative repercussions but what about Care Credit/Synchrony slow rolling a simple response so I could include it in my complaint?     I do n't think it is right that the bank can decide where my payment is applied to my debts. In this case, I will be forced to pay more money each month to make up payments not being applied to  one of  my promotional purchases so I can pay it off before the promotional expiration date. If I do n't pay it off in time, I will be forced to pay the deferred interest charge currently at {$730.00} and this amount will only increase with time. If they would split the payments, I would not be in this position!
Consumer complaint received 2017-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

This is an update to complaint #  XXXX . Online customer service a t Capital One could not provide me with the name of the individual handling my case. Capital One has charged me {$210.00} solely based on the balance transfer. Capital One said its their poli cy to charge interest. However,   XXXX   XXXX   XXXX   XXXX  stated that they sent a check to  Capital One in enou gh time so that I should not be charged any interest. We have spent much time trying to get this resolved and   XXXX    and Capital One can not seem to coordinate and fix this.
Consumer complaint received 2017-05-04
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: ENCORE CAPITAL GROUP INC. (MD)

On   X/X/ 2017 I  want to continue to move forward with clearing up my debt.      Midland Debt collection Agency, has no t provided me with adequate information regarding this debt but I presumed it could be true being that  My  then company was financially damage from the government fourloughs which trickled down to many of their employees including myself and lasted a long while.     After being transferred I reach a desk of a man who proclaims he is my account manager, and that this debt is mine, even after me requesting that he send information regarding this allegation for this particular account, he refused. Then began to use tactics to force me to pay right on that day a lump sum of around {$830.00} or high payment plan option. After attempting to negotiate I asked him to note the account and I wanted to speak to someone else, he would not allow me to. He proceeded to threaten me with this  First  before any of that happened, okay you were transferred and it shows here this amount for this debt and you 're in pre legal status and that even if I agreed to payments that The creditor may still sue me and I would have to pay all the court fees for a debt that 's only worth {$1000.00}. I did some rights digging and requesting a free annual credit report.     I am sending a letter to Midland requesting validation and of options, by   XXXX  2017.     I feel bullied, Pressured and optionless. The verbally abusive representative name is  XXXX   XXXX , so he says and the lady who transferred me to him name is  XXXX .
Consumer complaint received 2017-05-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (WV)

I contacted the company on  XXXX     2017 after a collection letter was mailed to my mailing add ress, they told me that amount that I owed for  XXXX   XXXX   XXXX  even thought I knew that the amount was less that they were telling me, I was on fear to this collection to be reported to my credit reports ( Which they reported anyways ) after I saw the collection on my credit report I called them and made an verbal agreement to Pay To Delete after the debt is paid off and I agreed for a monthly payment of {$94.00} on  XXXX / XXXX  /2017 a  first payment was taken on that day and 3 days later they took the other amount without warning on  XXXX / XXXX /   2017,  I called them back and they said that the agreement was on the first of each month so they took the money, since I want this account out of my credit report I agreed to the first of each month to the amount of {$94.00}, today  XXXX / XXXX /   2017 th is compa ny without warning took the amount of {$180.00} causing my account to go to negative state and results of NFS charges I called them and I was told that was in the agreement and to fax copy of my bank statement to them which I did. The represe ntative was very nice but refuse to listen to my problem. I was never told by phone that I have the right to dispute this debt but as a citizen I paid anyways to avoid annoying phone calls.
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

At XXXX checked my email, received emails from capital one saying I was approved for a Platinum credit card for the amount of {$500.00} and 30 % interest. Another email from capital one saying I had a change on my credit report. I had previously had an account with Capital one, that has been closed for years now. Capital one sends emails when anything on my credit changes. I also had an email from XXXX saying there has been a hard inquiry to my credit. I called capital one and was transferred to the fraud department. Verified information with the representative and she said everything was correct except my phone number. She said she couldnt disclose what phone number was used. She let me know they will do an investigation to see if the inquiry was fraudulent.
Consumer complaint received 2017-05-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

Dear  XXXX  : We have reason to believe that the  Organization ru n by  XXXX .  XXXX , at the same address of the Notary below,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX , apparently is impersonating the   XXXX   XXXX   XXXX   XXXX ,  XXXX , acting as Trustee fo r    XXXX   XXXX   XXXX   XXXX   at  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , OK  XXXX , alleging to file an Assignment of Deed of Trust on or about  XXXX / XXXX / XXXX  on the title of my property at  XXXX   XXXX   XXXX   XXXX , in  XXXX , CA  XXXX , claiming that a person named  XXXX   XXXX   XXXX ,  V.P. of Caliber Home Loans, Inc.,  acting as the Attorney in Fact of  XXXX   XXXX   XXXX   (  Now defunct ), FKA   XXXX   XXXX   XXXX   XXXX    SOMETIMES KNOWN AS    XXXX   XXXX   XXXX   XXXX   ( Now also defunct ), allegedly transferring the deed of trust to   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    AS NOMINEE FOR    XXXX   XXXX     XXXX   XXXX   XXXX   XXXX , ITS SUCCESSORS AND ASSIGNS, ( Filed Chapter  XXXX  Bankruptcy in New York ) and Truste ee    XXXX   XXXX   XXXX   XXXX  , allegedly signed by the below referenced Notary Public of the State of Texas on  XXXX / XXXX / XXXX  working for the same company as  XXXX .  XXXX , at the same address of the Notary below,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX , on behalf of   XXXX   XXXX   XXXX   XXXX   have created and recorded a fraudulent document on the title of my property. We believe this to all be carried out in fraud and have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) and they have asked us to contact you directly for further investigation regarding this document. Notary : Name :  XXXX   XXXX  - ID :  XXXX  Address :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX  Expires :  XXXX   XXXX ,  XXXX   County :    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  History As Effective Expire Date Commissioned Notary Public  XXXX   XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX  Commissioned Notary Public  XXXX   XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX .     This group of Companies has yet to explain how they have obtained a note signed with  XXXX  Mortgage and was included in the  RESCAP Chapter   XXXX  Bankruptcy filed in New York, which is still on going. I have made all payments to principal since  XXXX  and they have not been applied correctly and left in a pending account. They have does this purposedly in violation of RESPA, FDCPA,  RICO,   etc. in order to keep the debt alive when actually it was paid off years ago.     Please investigate this matter as soon as possible since we have reason to believe it is all fraudulent and included in the document created with the purpose of acting unlawfully against my property by  XXXX    XXXX   XXXX   XXXX  , and  CALIBER HOME  LOANS, etc.
Consumer complaint received 2017-05-04
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I had started a mortgage modification .... I was told they will give me a relief program what I was not aware of at the end of the year I would have to pay double plus the payment and my balance of loan went higher .... I ask  Select Portfolio why the y gave me this loan .... they said ok we will help you now they gave me a interest only loan and said if I do not take it they will foreclose my home ... .. I wanted to appeal and they told me if I did this they would not accept my next payment ... .. This is why I am trying to save my home and if the balance of my loan keeps increasing I will never be able to save my home .... I have  XXXX  children and my family close to me who help me take my children to school while I work .... Please I have sent a letter to our  Congressman   XXXX   XXXX  for assistance .... I have complied with every request from SPS and now my loan is worse and higher ... .. Please help me save my home I also have sent a letter to  U.S Treasury Dept.  Please help me.     Sincerely,  XXXX   XXXX