davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

At the beginning of 2019 we setup our Capital One credit on Auto Pay with Capital One. On XX/XX/2019 we called in and spoke with a customer service agent. When we spoke with the rep on XX/XX/XXXX, we asked him to fix our amount coming out which he did. In XXXX we were notified via credit report that our account was late. When we called we were informed again that the payment Capital One was automatically withdrawing was not covering the minimum payment since XXXX. They never sent notices, phone calls, or any other communication to notify us that our account was affected in any way. 
We spoke with numerous customer service agents and they reversed the fees and corrected our account XXXX and made a large payment to correct the issue. We have asked Capital One to review our account, take off the negative comment that the account is late, because it is not and they will not. On XX/XX/XXXX, we called and spoke with someone by the name of XXXX, XXXX and few other reps. Nothing was done then either. 
I asked them numerous to help me fix this and no one would would. I asked to speak with managers and was told I could not. All we are asking is to have our auto pay corrected so the correct amount would be paid each month, the negative remark removed from our account. When I look at my credit report monthly Capital One shows green check marks that my account is paid and onetime. For them to charge us months of late fees and hit our report with no proper communication that is not okay. We have spent on the phone with Capital One trying fix this. I had an account rep tell me that because my account is on auto pay that when they draft my account its automatically because it takes a few days to process. That is not okay. We requested the transcripts which they will not give us.
Consumer complaint received 2020-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (TX)

I was in XXXX this past month when the government issued all tourist locations closed and a stay at home edict. I cancelled all remaining tours/transportation, and hotels. One of the hotels was non-cancellable and has not responded to requests for a refund. I went to use my trip cancellation insurance associated with my Chase Sapphire Reserve Card and was told " Sorry we don't cover pandemics ''. The card charges a $ 500+ annual fee touting trip cancellation as one of there key benefits. The language in the agreement says disinclination to travel due to pandemic is not covered but this was no disinclination. It was a government edict.
Consumer complaint received 2020-03-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (NY)

I signed up for the Marcus by Goldman Sachs savings account ( promotion which is {$100.00}. I deposited the required {$10000.00} on XX/XX/XXXX. The bonus tracker on the website said that I could withdraw the funds on XX/XX/2020 ( yesterday ) which I did. I called up today to inquire about my bonus and was told that I am not eligible because I was supposed to keep the funds until the end of the day on XX/XX/2020. I informed them that the bonus tracker did not say that. It simply said " withdraw funds on XX/XX/2020 '' and you are eligible for the bonus ( which I did ). I am eligible for the bonus because the bonus tracker literally said it was ok for me to withdraw the money on XX/XX/2020 which is what I did. I noticed that the bonus tracker is not showing on my account today or I would take a screenshot of it. Please credit my account the {$100.00} as promised. This is my second time doing a bonus with Marcus by Goldman Sachs and the first time I did the bonus I did get paid for it. If I do not get paid I will not do another bonus with Marcus by Goldman Sachs and will file another complaint.
Consumer complaint received 2020-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

I am submitting a formal complaint against FedLoan Servicing due to their refusal to credit 42 approved payments for the federal loan repayment program known as Public Service Loan Forgiveness. In XX/XX/XXXX, I submitted an ECF form for approval into the program in the last month of employment with my XXXX  XXXX, non-profit entity known as XXXX University or XXXX University XXXX XXXX. ( In XX/XX/XXXX, the college and the hospital split into two different financial entities, but both are considered 403 ( b ) non-profits. ) My XXXX  XXXX  was a 48-month contracted commitment, at which time my salary was about $ XXXX about $ XXXX/month. Like most XXXX, IBR is imperative ; without it, my standard repayment option would be more than my take-home salary. During my 48 months of XXXX  training/employment, I made 42 payments under IBR, as per the requirements of PSLF. As of today, XX/XX/XXXX FedLoan Servicing refuses to credit these payments towards my PSLF requirement, even after informing me that my manual review of my account is complete after two years. 
I have documents as proof that I made these payments under IBR. I have submitted bank statements from XX/XX/XXXX ( I made two payments this month ) through XX/XX/XXXX, my last month of employment/training at XXXX, accounting for all 42 payments and documenting that I was receiving a paystub from XXXX University. All of my IBR applications are on record at Studentloans.gov. I have also included email correspondence that show I was submitting and approved for IBR every year around XXXX. I have documentation from XXXX, my old loan servicer, documenting these payments, the very same information that FedLoan servicing is claiming is unavailable to them.
Consumer complaint received 2023-01-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

I HAVING TROUBLE TO PAY THE PERSONAL LINE OF CREDIT IT STARTED IN XX/XX/22 TO THE PRESENT AND TOTAL IS XXXX AND THE PERSONAL LINE OF CREDIT THAT I BORROW IS {$100000.00} AND I AM STRUGGLE TO PAY IT OFF
Consumer complaint received 2024-01-29
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 (CA)

Case number : XXXX XXXX I chatted with Amex agent XX/XX/24 in reference to my request for a credit line increase via phone. Ive was told they will review my account because they see that I have EXCELLENT credit history with them and it was strange that they wouldnt increase my credit line and she would call me back once they review it over with management. I never received the call back but I did get a email stating a card replacement was being sent. Today I call to ask why is a new card being sent verses the credit line increase and the new agent today stated there was no record filed for a credit line increase only a card replacement request which never happened. How is that possible as that was the initial reason of my complaint with AMEX and I sent it through CFPB database? 

Today the agent tells me that I have to now wait until I receive and activate the new card in order to ask for a credit line increase. I will be including the emails provided. 

This is highly suspect as I never requested a card replacement as I had to use my account on the card to verify my information. I did provide the agent a current address but never once asked for a card replacement only a credit card line increase for the highest amount available for that card type.
Consumer complaint received 2023-03-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Exeter Finance, LLC. (IL)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against EXETER FINANCE for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until EXETER FINANCE provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Metropolitan Auto Lending, continues its collection efforts, I will file for litigation for actual damages caused and EXETER FINANCE be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Submitted the following : XX/XX/2021 Letter to XXXX updating personal information and removing names I am not associated with. XXXX is still reporting false names. 
XX/XX/2021. Letter to Experian updating personal information and removing names and addresses I am not associated with. Experian is still reporting false names. 
XX/XX/2021 Letter to XXXX updating personal information and removing names and addresses I am not associated with. XXXX is still reporting false names. 
XX/XX/2021. Letter to XXXX and Experian regarding Fair Credit Reporting Act, asking to validate a debt. ( XXXX ) I have not heard back and is still reporting on my credit report. 
XX/XX/2021 Letter to XXXX asking for Debt Validation. ( XXXX ). No response as of today. 
XX/XX/2021 Letter to XXXX to verify a debt. ( XXXX ) No response as of today. 
XX/XX/2021 Letter to Experian, XXXX and XXXX to validate information on the report. ( XXXX ) No response as of today.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Letters were sent to XXXX, Transunion, and XXXX  regarding inquiries on my credit report that I do not recognize. The letter was sent XX/XX/2020. I have not received a response as required by law. Please remove fraudulent information as soon as possible.
Consumer complaint received 2020-03-27
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (TX)

By statement dated XX/XX/XXXX, XXXX XXXX ( " XXXX  '' ) together with PHH Mortgage Services ( " PHH '' ), are illegally attempting to collect upon a mortgage debt that is time-barred as of XX/XX/XXXX pursuant to N.J.S.A. 2A:50-56.1 ( a ), as a result of the acceleration of my mortgage loan by Litton Loan pursuant to N.J.S.A. 46:9-6 as declared within the civil complaint filed in the Superior Court of New Jersey in Docket No. : F-34006-09 on XX/XX/XXXX, for an alleged default as of XX/XX/XXXX. 

By statement dated XX/XX/XXXX, XXXX and PHH are continuing the illegal servicing practices of Ocwen Loan Servicing ( " Ocwen '' ) by falsely declaring a default and acceleration as of XX/XX/XXXX, which : ( 1 ) contradicts the date alleged within the civil complaint filed in the Superior Court of New Jersey on XX/XX/XXXX in Docket No. : F-034006-09 ; ( 2 ) falsely implies payments were made for the months of XX/XX/XXXX through XX/XX/XXXX ; and ( 3 ) conceals approximately {$21000.00} in payments that I tendered, approximately {$16000.00} of which was cashed and not applied towards the above referenced account number starting the month of XX/XX/XXXX and thereafter. 

Despite my repeated notices forwarded to XXXX and PHH over the past 5-6 months regarding the aforementioned discrepancies along with the creation, trafficking and presentation of falsely uttered instruments by XXXX, PHH, Ocwen and their agents which set forth false claims of assignments of my mortgage loan, display forged signatures by imposters and false notarizations, and despite the binding consent judgments entered on XX/XX/XXXX in Consumer Financial Protection Bureau, et al. v. Ocwen Loan Servicing, et al. ( Civil Action No. 13-cv-2025 ( RMC ) and on  XX/XX/XXXX in State of Alabama, et al. vs. PHH ( Civil Action No. : 1:18-cv-00009-TFH ), XXXX, PHH, Ocwen and their agents are willfully continuing to engage in unfair, deceptive and unlawful servicing and foreclosure practices in violation of the aforementioned consent judgments. 

The actions by XXXX, PHH, Ocwen and their affiliates has and continues to cause be severe emotional distress and trauma.
Consumer complaint received 2024-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OH)

I am a full class member of the XXXX XXXX XXXX lawsuit.my loans and and the credit trade lines involving the loans are to be discharged and removed by XX/XX/XXXX per the rules of the settlement agreement. I have had nothing taken care of except being in admistrative forbearance until XXXX. 

School XXXXXXXX XXXX XXXXXXXX servicer nelnet 2 Direct consolidation loans Loan XXXX Amount XXXX
Consumer complaint received 2020-12-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (IL)

XXXX ( early ) - Reached out because the forbearance period was ending, wanted to reach a solution with my mortgage moving forward ( modification, another forbearance period, etc ). Was told that I was reaching out too early. 

XXXX ( before XXXX ) - Reached out again. Was essentially told that I should request an additional forbearance extension, which we agreed to do. Extension request was submitted. I was told I didn't need to do anything. 

XXXX XXXX early ) - I followed up about the forbearance extension. I hadn't heard anything or seen anything in my account to reflect it. The agent I spoke with this time was surprised that I wasn't told I had to fill out a mortgage assistance application. I then filled out an application and emailed it. 

XXXX ( early ) - I followed up a couple times and the application still wasn't being received, but I was told that maybe it was just a delay with being uploaded. Also, around this time, I noticed that negative credit reporting had occurred from Specialized Loan to the credit agencies ( I was assured this wouldn't happen, but it did XXXX. 

XX/XX/XXXX - I had to resubmit my application via email since my first email apparently never went through ( even though it was sent to the right address and was under the size limit ). 

XXXX ( mid ) - Followed up, application still not received. 

XXXX ( mid ) - Followed up, application still not received. 

XX/XX/XXXX - Followed up, application still not received. Issue being escalated to the mail room / department to try to locate my email. 

I mean, this is ridiculous. It shouldn't require this many hours and this much work to solve this sort of problem. It almost feels intentional because the more they can delay me, the more they can make off me with penalties.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

i have filed disputes with CREDIT CARD/XXXX XXXX XXXX and all 3 bureaus for this account, i asked for them to conduct a full investigation for accuracy and they come back verified, how have they verified this account if there is not even a comment saying thhat thhe account is in dispute? they didnt and this is a clear violation of my rights, this report is inconsistent between all 3 bureaus ... different ig credit, different past due, diffrent 2 year history, different credit limits and te account has been re aged, i have attached a snip of my 3 bureau report for proof as well as a few dispute letters that were sent out months ago
Consumer complaint received 2022-12-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (CA)

I logged into MyAudi.com and provided the necessary information to connect with Audi Financial Services for online billing & payment services. I received an email confirmation that this process was successfully completed and my billing statement would now be only available online. However, when I log into MyAudi.com I continue to get a message that my account is not linked to Audi Financial Services ( AFS ). After several attempts, I realized that there's no online site for AFS, even tho I received multiple confirmation letters stating that my Audi account was successfully linked to AFS. When I call AFS, the rep acknowledged that the website " ... is not the best. '' Hearing this, I requested that my billing statements be returned to paper and mailed to me. The rep said he couldn't change the setting, so I requested a manager. The manager told me it would take XXXX days for their back office to make the change to paper billing. I now want to just pay off the car loan early and be done with Audi, but I can't seem to get a pay off statement from AFS. When I called AFS the automated system just gives pay off balance which is more than the amount owing on my last billing statement. I need an explanation why AFS is charging more to pay off the car loan than my last statement. Also want to know why a online billing system is advertised that doesn't exist.
Consumer complaint received 2024-01-28
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: FIRST NATIONAL BANK OF OMAHA (TX)

On XX/XX/ I attempted to open an account with " XXXX '' online banking service, and was denied without notification as to why. The parent bank is " XXXXXXXX XXXX XXXX XXXXXXXX ''.
Consumer complaint received 2020-03-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: BBVA FINANCIAL CORPORATION (WA)

I have tried to close a money market account since XX/XX/XXXX. I would appreciate someone who can actually do something at the bank to close my money market account. I spoke with a supervisor, XXXX, on XX/XX/XXXX. I complied with his requirements to send in a letter with my request and a copy of my driver 's license. On XX/XX/XXXX I spoke with XXXX at XXXX XXXX XXXX XXXX and she indicated the letter was received, but now I needed a notarized signature. I indicated I am XXXX with a compromised health condition and my doctor told me not to leave the house. After multiple more calls to her and XXXX and others I was told a process was set in place to prove my identity. I spoke with XXXX XXXX on Tuesday, XX/XX/XXXX, at XXXX XXXX XXXX. She provided multiple questions and sent a text to my phone to prove my identity. I called XXXX XXXX today, XX/XX/XXXX and, like everyone else she said she is passing the information onto someone else. Without the support of BBVA, I withdrew all my money from the money market account by transferring it to my XXXX account. The account is still is not closed and is showing a - {$3.00} charge. I have a XXXX credit rating with XXXX, which I do not want negatively impacted due to the incompetence of this bank. I want the money market account ending in XXXX closed and the charge removed. They have already charged me a {$15.00} fee for this money market account and tried to charge me that fee multiple times, even though the bank is unable to close my account. I also want a check sent or directly deposited in my XXXX account for my five CDs upon maturity. I have a {$2000.00} CD ending XXXX matures on XX/XX/2020, a {$25000.00} Cd ending in # XXXX that matures XX/XX/2020, a {$10000.00} CD # XXXX that matures XX/XX/2020, a {$15000.00} # XXXX maturing XX/XX/2020 and a {$5000.00} CD ending XXXX maturing XX/XX/2020. I had no problem transferring money from my XXXX to BBVA and opening accounts. This bank is making it impossible to close accounts and charging penalties while I wait. Please contact me by e-mail XXXX, text or phone XXXX XXXX XXXX. These are challenging times. Like others, I do not need any more challenges right now. I am caring for my XXXX year old wife. Thank you XXXX XXXX XXXX I am attaching the letter I had sent to the bank, which was stipulated to me by XXXX the supervisor, on XX/XX/XXXX. I also sent a copy of my driver 's license, XXXX, who I spoke to on XX/XX/XXXX indicated both were received.
Consumer complaint received 2022-12-31
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: EQUIFAX, INC. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX, Account # XXXX. Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Account name # : XXXX  XXXX XXXX, XXXX, Account # : XXXX. Account name : XXXX XXXX XXXX XXXX XXXX XXXXccount # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.