davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: EGL US, LLC (MI)

I have asked on numerous occasions for an itemized/detailed summary of my account from the creation date ( approx. XX/XX/year> ) to current date. I am requesting this information because there are XXXX separate accounts being reported, but my loan should be satisfied.
Consumer complaint received 2024-08-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (FL)

My daughter XXXX XXXX XXXX  the now closed XXXX named XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX from XXXX to XXXX. XXXX borrowed and I cosigned for both XXXX and XXXX loans to XXXX  this XXXX. Because of the failures with the XXXX following through with student complaints, we filed and are included in the XXXXXXXX XXXX XXXXXXXX immediate forgiveness settlement. The type of XXXX loans received are eligible for forgiveness. But was paid in full when ruling was made. Private loans held by Navient were consolidate XXXX XXXX XXXX XXXX, in the amount of $ XXXX. This since has been paid down to $ XXXX. We requested Navient 's application for XXXX XXXX XXXX and quickly returned for processing. XX/XX/XXXX Navient informed us that our application has been denied due to the consolidation. XXXX was incapable to pay these loans and was illustrated by her Social Security earnings records provided to Navient, along with roughly XXXX pages of additional evidence. I have paid every payment. It is wrong for Navient to exercise a " technicality, '' to avoid obligation to the mislead borrower. Please help our broken family that has been lied to while I have paid over $ XXXX to the liars.
Consumer complaint received 2024-08-15
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BWW Law Group, LLC (MD)

I am have been fighting forclosure for over 2 yeara and i am finally running out of options. Ive sent many negotiable instruments that have not been excepted by my mortgage company. I sent the XXXX XXXX XXXX for XXXX XXXX. a negotiable instrument in the amount of XXXX with NOTICE OF CLAIM TO INTEREST FIRST ATTEMPT on XX/XX/year> ( sent certified mail and accepted ) with the below instructions " I XXXX, XXXX-S/agent here on behalf of XXXX XXXX. I Hereby accept all Titles. All Rights, All Interest, and Guaranteed Equity owed to Principal XXXX XXXX. I hereby instruct CFO ( XXXX XXXX XXXX ) to apply Principals Balance to Principals Account # XXXX each and every billing cycle for set-off. Please apply this XXXX of payment to the account within XXXX business days after receipt of this notice. I also instruct CFO ( XXXX XXXX XXXX ) to communicate through writing if there is any discrepancies within XXXX business days. If no communication is made within XXXX business days after receipt of notice then I can assume that the aforesaid instruction have been completed. '' Then I sent another negotiable instrument-OPPORTUNITY TO CURE SECOND ATTEMPT XXXX XXXX delivered XX/XX/year> via XXXX Tracking number XXXX and another to XXXX certified mail on XX/XX/year> via usps Tracking # XXXX. 

I Received a letter from XXXX stating they have no connection to my property. I have not heard from XXXX ( XXXX, XXXX  or bbw law group ) accept to continue to state that i owe the same balance and if i don't pay they are moving to vacate my stay in my bankruptcy in and effort to forclose once again. The last motion was submitted XX/XX/year>. See screen of bankruptcy filing and last filing date.
Consumer complaint received 2024-08-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (NY)

Thanks for your time and diligence. With my deepest regret doing business with OCWEN/PHH Mortgage company for their blatant discriminatory approach not allowing me to attempt a SHORTSALE on my property/Review my short sale application- we believe and equally feel unfairly treated and not given an appropriate chance at short sale review. 
Unfortunately i was approved for a short sale during the XXXX period but the purchase had taken XXXX and XXXX  of XXXX related XXXX  before closing. Therefore we were unable to close the transaction/sale of the property. 
OCWEN/PHH continue to hold me accountable totally insensitive of the circumstances leading to incompletion of the sale- a situation out of control.

I truly need this note to be reconsidered for a short-sale/re-open my file.
Consumer complaint received 2024-06-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (CA)

I purchased my vehicle in XX/XX/XXXX, got my loan thru XXXX XXXX financial. I tried to go pay my tags in XX/XX/XXXX but dmv told me there has been a hold on my title since XXXX of XXXX for a title correction that was never completed. no one has told me what the corrections being made are for. I have tried multiple times to correct this issue with the finance company but they give me the run around and have done nothing to help me resolve the issue. people at there company have hung up on me over the phone multiple times so I have asked for help thru email from the executive leadership at XXXX XXXX All of my requests were combined into XXXX and they told me the dmv has to contact them to request a paper title for this to be resolved. dmv is telling me the opposite. XXXX has closed all of my email complaints and whoever responds has been unwilling to help. My registration is now 4 months overdue with no assistance and Im unable to drive my vehicle.
Consumer complaint received 2024-08-26
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Consumer Financial Services Solutions, Inc. (WI)

In XXXX of XXXX  I began work with Beyond Finance to address some of my credit card debt and had careful conversations about which accounts to include, as I didn't want this adversely affecting any accounts that my husband held. When they contacted XXXX XXXX  using their correspondence showing power of attorney, they simply provided my social security number and this triggered XXXX XXXX  to immediately close all credit accounts including my husband 's business credit card ( which I am not attached to ) and a personal joint credit card that had accumulated {$11000.00} in rewards points which were immediately cancelled and the accounts were permanently closed on Tuesday XX/XX/XXXX. 

Beyond Finance assured me in our conversations that only the accounts I identify with them as needing assistance would be affected or impacted by their involvement. They did not share any possibility of other accounts or spousal accounts being impacted in any way. 

Additionally, the only assistance they could provide with this matter was to revoke the power of attorney with XXXX XXXX but they could do nothing to correct the issues that were created by their lack of specificity in dealing with my accounts that I authorized them to address.
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have unauthorized transactions on my debit card through Capital One, which I believe took place because of skimmers at their ATM. I reached out to Capital One on Friday XX/XX/year> regarding the following fraudulent transactions : {$300.00}, {$16.00}, {$55.00} all made my various merchants. All unauthorized. I did not have possession of my debit card at the time and I let Capital One know that. I also disputed a charge for XXXX XXXX for {$55.00} and {$140.00} XXXX XXXX and was denied for just the {$55.00} transaction. I dont understand when XXXX is responsible for both. Capital One denied all of my claims. I will be filing a police report on the charges. Capital Ones zero tolerance and protection of fraud is a fraudulent policy in itself.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (IL)

I am writing to report a serious issue with Nelnet, my student loan provider. Nelnet has incorrectly reported to the credit reporting agencies that I am 180 days late on my payments for XXXX. However, my student loans were forgiven in XXXX, so this report is inaccurate and misleading. This erroneous reporting has resulted in a XXXX drop in my credit score, significantly affecting my financial stability and overall livelihood. 

This situation violates the Fair Credit Reporting Act ( FCRA ) under Title VI of the Consumer Credit Protection Act ( 15 U.S.C. 1681 et seq. ), which mandates that all information reported to credit agencies must be accurate and complete. The incorrect status of my loan payments is not only damaging but also a clear breach of these legal requirements.
Consumer complaint received 2024-08-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TX)

I received the response to my school misconduct charge application to navient, they denied it saying " Navient carefully considers a variety of factors in determining whether a private loan should be XXXX based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' This is not good enough, I was a member in the class action suit XXXX vs XXXX and was forgiven on my federal loans already from Navient. But Navient now offers forgiveness on private loans as well. Why would I be denied forgiveness if the courts already has my school on the fraudulent list? Navient provided no valid reason to deny my application because they know I am right, but they still deny anyways.
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (MS)

sent a cease and desist dispute letter on XX/XX/year> asking for validity of alleged debt ACCORDING TO 15 USC 1692C YOU HAVE VIOLATED MY RIGHTS BY INLAWFUL COMMUNICATIONS PLEASE REMOVE THIS COLLECTION OFF OF MY CREDIT REPORT
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

Starting XX/XX/XXXX from the XXXX I had charges from a third party ( XXXX ) that were not made by me they were made through the XX/XX/XXXX account which is online and can be accessed anywhere they actually are getting sued because of multiple data leaks and they owe a bunch of people money. I think I was affected as well and I need help because I reported it as fraud the minute I saw the changes on XX/XX/XXXX in the morning it was very recent and I called them and I filed a claim days later on XX/XX/XXXX after calling multiple times they gave me the responses of we cant help you because it was authorized and I kept on saying but it wasnt I didnt make them i mean you can say that for anyone if i get someones card its gon na be authorized as well and I kept on telling them its a lot of money that i didnt make I already filed with XX/XX/XXXX, im filing with you, i submitted a complain I got my card replaced because they dont seem to care really. I told them what can I do can I provide evidence and they were like its up to you its stressful because these transactions they sum up to XXXX dollars and It wasnt me. And no caller ids have been calling me so frequently that it makes me think they are the ones that got my money. And Now i have to take action with you guys because this is insanee and I need help. Banks are supposed to be trustworthy and I feel like they dont even want to help me.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (IA)

On Tuesday XX/XX/year> approximately XXXX XXXX, I used my bank card to remove {$1000.00} cash from a Wells Fargo ATM XXXX I was charged 2 fees. One fee of {$5.00} and another 2 %. The ATM gave my card back and said take my cash. At that moment I couldn't receive or remove the cash from the ATM because the hardware had malfunctioned. My account was debited immediately. I took a video and a photo of the incident and immediately reported the issue to the bank manager ( which was pretty helpless ). After some exchanges and explaining the issue, she finally gave me a number and took my information to call and report it with Wells Fargo. The following day Wells fargo called and said they'll let me know when a case manager is assigned. The following day after that, the same thing. No one was assigned to my case. I was informed to call back the following day and then no one has been assigned still. I was informed that I should follow up on Monday of the following week. I have been led around in circles and not one person is taking this matter urgently. I'm now almost a week late on my bills due to this incident.

This could have been fixed immediately but these banks don't care about any of us because in the end, no one holds them accountable for their actions and they're too big to even be bothered.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST HORIZON BANK (FL)

In XX/XX/year>, I received the attached promotion from First Horizon Bank, advertising a {$450.00} bonus if I opened a XXXX  checking account by XX/XX/year>, maintained a {$5000.00} bonus, and executed at least XXXX debit transactions per month thereafter. See statements attached dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I complied with all of these conditions and XXXX XXXX failed and refused to honor the promise to pay me the {$450.00} -- -the only reason I agreed to open and maintain a {$5000.00} bonus for almost 6 months, interest free. I believe XXXX XXXX never intended to comply with their promotion based on comments I received from their local branch. The attached paper statements ( which XXXX XXXX fraudulently charged me {$2.00} per month to receiver ) show clearly that I satisified the conditions of the promotion. When I called and texted Customer Service on XX/XX/XXXX, they continued to stall, stating they were applying for an " exception '' from " marketing '', but after a month, they still would not honor their promotion.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (TX)

I was the victim of identity theft by a former roommate, XXXX XXXX XXXX. The account with XXXX XXXX XXXXXXXX XXXX XXXX was opened fraudulently without my permission or knowledge. XXXX used my identity and had the initial card mailed to my home, which he retrieved without my knowledge, used the account, and made payment for a time without my consent or knowledge. I have completed ( attached ) an ID Theft Affidavit with the FTC. I have also included copies of my government-issued ID and a recent utility bill for address and identity authentication.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I urge you to swiftly remove these fraudulent accounts from my credit report. I did not initiate or authorize them, and it is unfair for me to be held accountable. Please take prompt action to rectify this mistake.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (CO)

I called on XXXX asking to close both my accounts. Only one was closed, and on XX/XX/XXXX I was assessed a {$25.00} fee. I called on XX/XX/XXXX and had them waive the fee. I was told I couldn't close the account with a pending transaction and to call the next day. I called them again on XX/XX/XXXX to close the account and was assured the account would be closed. 

On XX/XX/XXXX I was assessed a {$25.00} fee yet again, on an account I was assured should be closed. I was given a credit, and was told to call back. On XX/XX/XXXX when I called I was told the credit was still pending for the fee, and to call back on Monday XX/XX/XXXX. 

Close the account already. It's a systemic issue where Huntington will not close the account.
Consumer complaint received 2024-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

I have been bounced all over the place, trying to get a full payment history. I need this because I am part of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and I have not yet received a refund of all monies paid in. I am still expecting {$11000.00}.
Consumer complaint received 2024-08-16
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NC)

I purchased a prepaid, Visa gift card. Each time I attempted to use the cards my transaction was rejected by the issuer. The issuer is XXXX XXXX, the cards are serviced by Incomm Financial Services. Pathward/Incomm routinely blocks legitimate transactions under the guise of " consumer protection ''. They do so in the hopes that delaying the spend down on the cards will lead to windfall and unmerited profits for the issuer. How? By frustrating users and rejecting consumer purchases, chances increase that users will simply give up and not use the cards. By frustrating users and delaying spend down chances increase that users will misplace their cards. This is unethical behavior. I have been forced to endure lengthy delays, lost submissions and poor customer service on the numerous occassions on which I have forced to seek refunds and card replacements from XXXX/Incomm. That is why I now appeal directly to CFPB in the hopes of not only receiving a refund for this card but some action on the part of CFPB to sanction XXXXIncomm so that the entities stop this eggregious behavior.

At this point it is honestly getting very annoying when you spend a large amount such as {$500.00} on a gift card that says it can be used anywhere that accepts the brand which in this case is Visa. Even small transactions that re XXXX $ are blocked as well as trying to buy gas from a gas pump physically.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (GA)

Hi Iam currently banking with chase iam a hard working XXXX and also I do XXXX  I received an check from one of XXXX XXXX  decided to use chase this time because why not chase customer service has hung up on me twice due to frustration theyve been disrespectful chase is holding my money that I work hard for by restricting my account due to the negligence of a XXXX  and poor communication which theyve informed me multiple times they were not able to get in contact with the person who wrote the check Ive tried my best helping them the funds are now available but my account is restricted my kids are going without clothes and food because of this restriction Im past due on my rent because of this restriction this is inhumane honestly please help
Consumer complaint received 2024-08-16
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: Self Financial Inc. (TX)

My dad paid for all his debit card. The purchases were already made. The payments were already made, but they decided to take it back after a conversation I had with them. My dad and I got into a huge fight and asked them to close the accounts.In addition to this they also took back payments, that were already made. This added {$10000.00} to my account and much was already paid for. They also told me there was no way to give back the money so i wasnt expecting this. I am only XXXX and I cant afford to pay this much.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (GA)

for failing to follow reasonable procedures to assure accuracy, under 15 U.S.C. 1681i for negligently reinvestigating or correcting disputed information, and under 15 U.S.C. 1681k for failing to provide notice to him of information reported about him to third parties.

No 1099c sent This has been written off as income but still showing up on my credit report. Non responsive to consumer which is me.
Consumer complaint received 2024-08-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AutoNation Enterprises Incorporated (CA)

There's a company by the name of Autonation Finance which i only have partial of the account number which starts with XXXX, I've tried many ways to resolve this matter due to identity theft and me trying to dispute this account off my report because this debt doesn't belong to me nor does the address listed on my report that's linked to that account belongs to me but somehow even the credit reporting agencies refuse to remove the address that doesn't belong to me because it was stated that there's some open accounts on the address i tried to dispute, I even went as far as in asking for debt validation and it's been a few months and no respond from the company, I've even called and someone kept hanging up in my face. This is deeply affecting my credit ability to move forward and I would like for this debt that doesn't belong to me remove asap.
Consumer complaint received 2023-05-04
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (NM)

On XX/XX/22 my wife purchased a western union money order at XXXX XXXX in XXXX nm for XXXX usd for our rent payment it was lost or stolen at XXXX we called western union after XXXX said we needed to contact them to cancel it. Wesyern union said they do not cancel money orders and would refund in 7 days if not cashed We filed a claim XXXX XXXX we were told bye a representitive to do XXXX case number is XXXX. 

And were told it would be refunded in 7 days. 

On XX/XX/XXXX after talking to a representitive we were told it was cashed on XX/XX/XXXX and we cpuld not be refunded. Instead we would have to sighn a affidavid that removes liability for the funds and they could only give us details on who and where the mo was cashed if we sighned the forms I feel this violates ftc guidelines. And western union is being fraudulent and misleading it is very difficult to reach them ive spent hours on hold hu g up on and bounced around in the system