davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC. (TX)

I hold both a business and a personal checking account with Axos Bank, located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. On XX/XX/2024, I discovered fraudulent charges on my account from a merchant named XXXX XXXX These unauthorized transactions occurred between XX/XX/2024, and XX/XX/2024, until the bank intervened and blocked my debit card. Immediately, I requested a replacement card, but despite assurances from Axos customer service that I would receive it within three days, this did not occur. Despite my repeated requests for the new cards to be sent to my home address in Texas, which is on file with the bank, they were consistently sent to my business home office in Mississippi. This hindered me from having any access to my funds. 

Despite discovering fraudulent activity on my account, the bank is refusing to credit back the charges. It's been over 20 days since I requested a new debit card, hindering my access to funds crucial for my business. I have been having to pay wire fees to send funds to external accounts to gain access to funds. This is very unfair to the consumer. it appears to me that Axos is looking for ways to charge fees to the consumer. I trusted my funds were secure and FDIC protected, but now I'm unable to reach anyone at the bank for an explanation. I desperately need assistance to resolve this without closing my account and losing access to my funds along with recuperating the unauthorized charges. 

Axos states in the letter provided that they are not crediting the funds to my account because the unauthorized charges were not reported within 60 days. The letter will verify that 60 days will not come until XX/XX/2024.
Consumer complaint received 2024-02-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CA)

I purchased a Hyundai XXXX in XXXX ( XXXX model ). I bought the car and got financed for it in XXXX, California. A year later I moved to Texas and then came back to California in XXXX. I fully paid off the loan in XXXX. I called Hyundai Finance multiple times for the title and they told me that because of the last name change ( due to marriage ) they need my marriage certificate. I faxed it as requested but still never got that title. I called couple more times but did not get anything. Last year ( XXXX ) the car got stolen. I called Hyundai finance again for the title. They sent me a letter saying they have no interest in the vehicle and that its been paid off. It was addressed to Texas DMV. I called Texas DMV and they said the car was purchased in California and is registered in California and they have dont have title for it. I took that letter to a California DMV. The agent at the DMV said they cant issue the title. Hyundai should do it. Called hyundai again. I got another letter, same thing. No title. 
It's been over a year since the car is stolen. I couldn't get my insurance money because of the title issue.
Consumer complaint received 2020-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

My first dispute was sent on XX/XX/XXXX for identity fraud. I sent an FTC report along with a police report. They are refusing to remove 4 items from my credit report. They are XXXX  XXXX  XXXX XXXX. XXXX, XXXX, and XXXX XXXX XXXX  XXXX. I want these blocked from my report. I received results that these were verified so I called on XX/XX/XXXX to start another investigation. I just want these items blocked completely instead of them zeroing them out.
Consumer complaint received 2016-09-02
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

For 8 weeks, I have been entering my ID and password CORRECTLY. 
But, Capital One WebSite, keeps flashing " sending to your account '' then a web page announces " We have hit a snag '' please try again later. 
This has been going on for 8 weeks on all XXXX of my accounts. 
5 weeks ago, someone from the tech department very ignorantly deleted all my security questions. The tech department would not reverse their actions. 
Three weeks ago, I entered all new questions and answers. 
Today, the same problem occurred and the tech department demanded that I change the security questions again INSTEAD of Capital One fixing the REAL PROBLEM. 
I called Capital One 's Headquarters and requested a vice-president of the credit card department but ignorantly as Capital One is ; the secretary sent me back to the very doofus customer service department. 
I WILL ONLY COMMUNICATE WITHA VICE-PRESIDENT AND NO OTHER STAFF. 
If not acceptable by Capital One, I want a {$30000.00} payment from Capital One just to have me communicate with me.
Consumer complaint received 2024-02-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Smith Debnam Narron Drake Saintsing & Myers LLP (NC)

The law firm Smith Debnam, which represents XXXX XXXX XXXX, has made many attempts and threats to collect on a car repo loan. 
I had to let the car go back due to health and XXXX concerns. And also during this time my wife was undergoing XXXX XXXX. Which she pass in XXXX, XXXX. This placed a huge financial strain on me, my wife and my entire family. I am XXXX  years on, i have been served by the sheriff 's Department of XXXX XXXX, XXXX After talking with the Sheriff 's Dept . i have been paying {$60.00} a month thru the clerk of court for this loan. I wish the firm would stop harnessing me, my so source of income is my social security check, and a small pension from my deceased wife 's company of about {$60.00} dollars a month, which i give to the sheriff 's department. Is there any help you can provide for me too stop this company from harnessing me with these constant letter. 

Sincerely XXXX XXXX XXXX, XXXX.
Consumer complaint received 2015-07-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

Debt is older than XXXX years, from 2004 and so is the delinquency date. I 've asked for debt validation and they refuse to provide me validation. They keep updating the date of the account opened date to it stays on the report longer which is against the law.
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

There was a transaction on my Citi credit card for {$470.00} that has been under different dispute statuses since XXXX of XXXX. Initially it was disputed as fraud and I was then informed it was disputed incorrectly. I sent all documents, including an authorization form that was emailed to the hotel on my behalf prior for the amount to be charged that I was approved for by a third party " XXXX '', which is a online lending service that is used as a loan and they provide you with a XXXX virtual card. It stated the transaction amount and the last four of the credit card that was used for the purchase.They opened another under another form of payment used. I have called in almost everyday to check the status of my credit as this was affecting my use to utilize my credit card for a transaction that I did not authorize on my Citi card. I spoke with a representative in the billing dispute department that stated they had all the documents they needed from me and once that was filled out and completed that they would credit my account for that amount and would have everything they needed. That did not happen. I received a notification on XX/XX/XXXX that the dispute was resolved and I was responsible. The representative today in the billing dispute department stated something contradicting everything that was stated prior and that now the documents are from screenshot and they would now need physical statements. This is an online loan provider and there are no physical statements. Everything I provided showed the amount that was charged on the XXXX  virtual card, the loan agreement, and the authorization form that was signed and given to the hotel on the form of payment that was used. There was no authorization form that I ever signed to charge my Citi card.
Consumer complaint received 2024-02-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I've been called repeatedly for over a year, more than 5 times daily by Portfolio Recovery. They call from private and blocked numbers and call at inappropriate times. 
I have spoken with a representative and asked them what the debt was for, they didn't answer me and they hung up. 
I'm being harassed daily by this company, they've also left messages about taking legal action against me.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FREEDOM FINANCIAL NETWORK (ME)

XXXX or XXXX  years ago I payed freedom debt relief {$1200.00} to remove or settle medical debts that where older then XXXX yrs old and sold multiple times and some stuff got removed then started showing back up on report as new debt I contacted them and was told to submit information on what came back so I allowed more time and even more showed back up this time when I tried to contact them the number was no longer in service and no way to contact them since
Consumer complaint received 2024-02-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC. (MT)

I uploaded a letter on XX/XX/year> to my mortgage company, Select Portfolio Servicing, requesting that they pay off my mortgage in full using money they had in restricted Escrow for insurance, and to send me a refund of the remaining balance. They told me on the phone that the process would take XXXX  days. I submitted my letter and my payoff quote, according to the instructions I received over the phone ( through the Select Portfolio Servicing online portal ), however I received no confirmation or communication regarding the matter at all for several days. So I called to confirm that they received my request. They said that they had. I heard nothing else for another week or so, so I called and emailed to request that they send me an email or letter confirming in writing that they received my instructions to pay the loan in full, and to let me know what date this was projected to be completed. They said they would send me the letter, but they never did ( this was over a month ago that I requested the letter ). I continued calling at least a couple of times a week to check on the status, and when XXXX days had come and gone, I asked why the loan had not been paid off yet. They said, oh, it takes XXXX BUSINESS days, not just XXXX days. So I said, fine, and waited a couple more weeks. Still nothing happened. So I called again, and then they said that it would take up to SIXTY days to process the payoff. I said, " What? Why? This is not acceptable. I was told XXXX  days and now suddenly it's XXXX? I'm getting charged interest and having to make mortgage payments every month when you guys have had the money in your hands to pay the loan in full for months? '' Then I asked, " So will it be sixty days just to process the payoff, or XXXX days until I receive my refund check? '' They said XXXX days to process the payoff only ( which means, what, XXXX days until I receive my refund???? I don't know ). I looked up the regulations on your consumer finance website, and it looks like a borrower is supposed to RECEIVE their refund within only XXXX  days of the money to complete the payoff being in the mortgage company 's control. So it looks like they are definitely breaking the rules here and it is causing me a tremendous amount of financial damage. I am currently speaking with lawyers about sueing them for reparations. Meanwhile, I have paid XXXX mortgage/interest payments since authorizing the payoff, and I am about to have to pay a THIRD on XX/XX/XXXX. This is crazy. Please help.
Consumer complaint received 2024-02-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (SC)

I lost my job and I was in the process of making payment arrangements with Exeter finance to stay in good standings and to avoid repossession. While making payments on the car from what I could afford I never got a response and my car was picked up without any form of communication of whether they would accept or deny my proposal of payment arrangements. The vehicle has now been sold leaving me with a balance that is incorrect.
Consumer complaint received 2021-11-02
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: Experian Information Solutions Inc. (MA)

Experian does not follow FCRA LAWS at all this company doesnt not respect consumer rights or allow you to enforce your rights. The customer service will laugh at you when you let them know the violations over the phone and hang up on you.
Consumer complaint received 2020-08-29
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: American Collection Services, Inc. (OK, TX) (OK)

I have a loan with AMERICAN COLLECTION SE ( Original Creditor : XXXX XXXX XXXX - 2017 ) and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, AMERICAN COLLECTION SE ( Original Creditor : XXXX XXXX XXXX - 2017 ) and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2024-02-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (OR)

This company called out of nowhere with no written communication about any debt. I asked them who they were and why they were calling and they refused to tell me then hung up. They are phishing for information about me personally. I called them back and requested that they tell me who they are what business they do before I engage in any personal information. They cursed at me then hung up again. They need to be black listed and labeled as phishing scammers for other consumers.
Consumer complaint received 2024-03-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

A few months ago I registered on the COINBASE exchange. Create an account to purchase and exchange cryptocurrencies. I registered all my data as COINBASE requested. 

I was able to easily send my money to the new account and start trading, buying coins and using services that COINBASE offers such as staking. Everything worked perfect. 

A few weeks later I tried to move my cryptocurrencies to other wallets, obviously using the functionalities they offer for sending coins to other addresses. At that moment I realized that without prior notice that they had restricted my account. 

I contacted them many times through the only customer service channel ( chat ) so they could explain the reasons for this restriction on my account. I simply wanted to know the reason and above all help solve the problem if any document or additional information was missing from my account. 

COINBASE 's response has always been the same that they would give me a response in 3 or 4 days. They would escalate the problem to the authorized department and they would respond to my email. But in 2 weeks they don't give any response. 
The treatment received in the chat has always been correct and cordial, but they do not solve the problem. And the same conversation is always repeated. They offer the option for you to sell the cryptocurrencies and withdraw your money, but that is not my intention. My intention is to be able to send and buy coins and continue using this platform, since it is one of the most recognized worldwide.
Consumer complaint received 2024-03-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

I hereby dispute the validity of the alleged debit listed below Entirely. I also request verification of alleged debit, specifically, a copy of the ORIGNAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had diWerent companies reach out to me about this same alleged debit. XXXX XXXX XXXX XXXX 
I am requesting Immediate deletion of all prior reporting made to any consumer reporting agencies. XXXX, XXXX, XXXX and XXXX. You must Cease Collection eWorts till this alleged debt is validated. You must show proof that you legally own this alleged debt and that is accurate and complete. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-01
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I received a letter dated XX/XX/24 informing me that I was approved for a XXXX XXXX Credit Card. I had XXXX  XXXX  on XX/XX/24. I received my first bill on XX/XX/24 and the bill included an interest charge of {$5.00}. I contacted XXXX XXXX and questioned how I could be charged interest on a purchase when my agreement states : Your due date is at least XXXX  days after the close of each billing period. We will not charge you interest on purchases if you pay your entire balance by the due date each month. 

I was not given the opportunity to pay the entire balance, in fact, did not receive an bill prior to being charged interest. 

When I contacted XXXX XXXX, the customer service representative explained that I made a purchase toward the end of the billing period and that is why I was charged interest. When I tried, several times to explain that I was not even given an opportunity to pay off the entire balance ( since this was my first bill ) - the representative kept stating that I was charged interest because my purchase was at the end of the billing period. Interest was charged the day after I was notified that I was approved for the credit.

I asked to have the {$5.00} charge removed due to the fact that I had not received a bill or given an opportunity to pay off the balance prior to being charged and due to my agreement with the financing company. That request was denied.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (VA)

CFPB : PLEASE SEND THIS COMPLAINT TO THE US DEPARTMENT OF EDUCATION. THE COMPANY INVOLVED, NELNET, A LOAN SERVICER FOR THE DEPARTMENT, IS THE PROBLEM. THEY HAVE THUS FAR REFUSED TO RECOGNIZE THEIR ERRORS AND I SEE NO HOPE IN CORRECTION. I WOULD LIKE THE DEPT OF EDUCATION ITSELF AND ITS LOAN REVIEWERS TO MAKE A DECISION ON RESOLUTION.

Problem : Nelnet is reporting my account as 90-120 days delinquent to the credit bureaus even as I pay as required under the terms of a recent loan recasting that it had itself calculated. 

XX/XX/XXXX Nelnet recasts my loan, including outstanding principal of XXXX, interest due of {$690.00}, fees due of {$47.00} at an interest rate of 4.25 % over a term of 228 months with a graduated payment schedule. The new payment, effective XX/XX/XXXX, is {$290.00}. See Attachment 1 for Loan Recasting terms and calculations. 

XX/XX/XXXX Payment made {$400.00} XX/XX/XXXX Payment made {$290.00} XX/XX/XXXX Payment made {$290.00} XX/XX/XXXX Payment made {$290.00} XX/XX/XXXX Auto debit fails/payment is not made XX/XX/XXXX Loan is 24 days delinquent XX/XX/XXXX Nelnet reports loan as 90 days delinquent with delinquent interest to XXXX, XXXX, and XXXX XX/XX/XXXX Payment made {$290.00} - this is the XX/XX/XXXX payment XX/XX/XXXX Payment made {$1100.00} - this is the XX/XX/XXXX payment with extra for principal reduction XX/XX/XXXX Nelnet continues to report loan as 90-120 days delinquent with delinquent interest to XXXX, XXXX, and XXXX XX/XX/XXXX Payment made {$290.00} XX/XX/XXXX Nelnet continues to report loan as 90-120 days delinquent with delinquent interest to XXXX, XXXX, and XXXX See Attachment 2 for payment history . 

Throughout XXXX - XX/XX/XXXX, I have emailed, called, contacted Nelnet repeatedly. They have repeatedly refused to review and correct their erroneous and destructive credit reporting. My credit score has gone down by XXXX points because of all this, existing credit lines have been restricted if not closed altogether, and higher interest rates applied to existing credit card accounts.
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (SC)

On XX/XX/2023 I was charged {$2200.00} on My Apple card. This was a charge from XXXX XXXX. XXXX did a pre authorization for every charge that totals this amount but instead of charging each amount of the pre authorization they left them intact and charged the total at the end. Goldman Sachs has a hold for all of these charges and will not release them without something fro XXXX. I am essentially being charged twice by XXXX but Goldman will not help with this matter. Charges that were set up on autopay from other companies have been declined due to this hold which has resulted in additional charges from them
Consumer complaint received 2024-03-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (MN)

I contacted SallieMae in order to discuss repayment options as I am unable to make the payments as they are scheduled. SallieMae told me that they do not offer any opportunity for consolidation or refinancing of their loans. They conned me into taking these loans ( I thought they were still affiliated with the federal government as before but they are now private which is deceiving ) with sky-high interest rates that have now increased the loans substantially and I am unable to pay them as they stand. They are expecting at minimum a {$600.00} to XXXX XXXX  monthly payment for my loans when I make a total of XXXX XXXX monthly. This is over 30 % of my income.