davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (AL)

I have a paid collection on my credit report from Franklin Collection Services , Inc listing an old XXXX XXXX XXXX account. I have spoken with several XXXX XXXX XXXX representatives that all express confusion over this collection and assure me it is a misunderstanding, there is no reason for Franklin to report this account at all, the account shows good standing in their system and they will contact Franklin and make sure the collection is removed from my credit report. I am attaching a payment confirmation XXXX XXXX XXXX sent me as well as transcript with an XXXX XXXX XXXX representative.
Consumer complaint received 2016-06-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PINNACLE RECOVERY, INC. (PA)

I own a fully paid for timeshare unit at XXXX XXXX XXXX in XXXX XXXX XXXX. I was late paying the annual maintenance fee for 2016 ( the last day for payment was XXXX/XXXX/2016 ). The account was assigned to Pinnacle Recovery for collection. I paid the timeshare management company ( original creditor ) the 2016 maintenance fee plus interest and the original creditor 's late fee in XXXX 2016 directly by check. The check was cashed. Pinnacle Recovery is continuing to call and send me letters for an additional $ XXXX dollars ( which appears to be their service fee above and beyond the original debt ). Since I live in XXXX, the original creditor is in XXXX and the timeshare is in the XXXX, I am not sure which state law I am subject to regarding my obligation, if any, to pay the collection agency 's fees.
Consumer complaint received 2016-09-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Aldridge Pite, LLP (CA)

Dear Clear Recon Corp, The dispute of lien amount has not received a response, requested prior. 
A notice of trustees sale was recorded XXXX/XXXX/XXXX - the amount was disputed in the NOTS is recorded in error. I have not received the corrected accounting and the lien still remain in error. The additional request is whom is the beneficiary of the lien amount? As well as who is the property owner of record on title sale guarantee policy ( TSGP ). Four payments were made in XXXX with approximately XXXX going toward principle. As well as late payment of approximately XXXX - there were no late payments in XXXX. There are also multiple charges for property review however for some dates there was no property review. The additional request included copies of assignment ( any/all ). I am concerned my payments were not applied to account as I was told payments would be but instead written off prior to transfer of servicing
Consumer complaint received 2016-04-26
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: DISCOVER BANK (MO)

In XXXX XXXX we were served with court documents indicating that Discover Bank and their counsel XXXX, XXXX and XXXX filed suit against us in a debt that we allegedly owed Discover Bank. 

On XXXX XXXX, XXXX, we contacted XXXX XXXX under our XXXX XXXX service to ask for advice regarding this case. We can not afford legal counsel but through our XXXX XXXX membership an attorney was able to offer limited help. XXXX XXXX sent a letter to XXXX, XXXX and XXXX on our behalf asking for verification of the alleged debt. The letter stated that neither the XXXX XXXX Attorney nor XXXX XXXX would be entering an appearance on our behalf and that we have no money for representation in court proceedings thus all communication should be sent directly to us. 

On XXXX XXXX, XXXX, XXXX and XXXX, counsel for Discover Bank erroneously sent validation documents to XXXX XXXX. XXXX Judge forwarded the exact documents to us. Upon review of the documents it was discovered that counsel for Discover Bank provided Discover Bank Statements of debt owed by XXXX different individuals, neither of these consumers are related to myself or my husband. 

On XXXX XXXX, XXXX XXXX Judge sent a letter to XXXX, XXXX and XXXX, counsel for Discover Bank, making counsel aware of the error XXXX, XXXX and XXXX made and their privacy breach. 
Counsel did not respond to this letter and when we appeared in court on XXXX XXXX, XXXX my husband and requested a dismissal of this lawsuit due to XXXX, XXXX and XXXX ' mishandling of this case ; in sending documents to the incorrect party, and the privacy breach in providing Discover Statements ( validation ) for XXXX individuals that are not related to the case filed against us by Discover Bank. 

Counsel has responded with conflicting arguments that XXXX XXXX and our debt management company sent the wrong documents to us and that the breach was not their fault. It is impossible that our debt management company made the error due to the date we received the documents. XXXX, XXXX and XXXX represents Discover in this case as well as many others, giving them access to Discover 's Consumer information. XXXX Judge does not represent Discover Bank in any way and has no relationship with either consumer who 's private information was divulged. It is also still unknown where the validation documentation of our debt was sent initially.
Consumer complaint received 2017-02-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: AMERICAN EXPRESS COMPANY (FL)

I am a victim of ID Theft and I have been watching my credit file, I was so surprised to see that there are over XXXX inquiries from American Express. I had to file a police report and I contacted American Express. They do not appear to be very concerned and told me it appears that these inquiries are probably fraud.
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them since I have submitted similar disputes before. 
I would be very grateful for a step by step explanation from Experian detailing the specific information I may have missed. 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them?
Consumer complaint received 2015-08-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (IN)

The company that purchased my mortgage ( NATIONSTAR ) refuses to appropriate my extra payments as I direct them to. When I make extra, principal-only payments, they always take out interest. I have to call them XXXX a month to beg for them to change it. It takes a lot of time and I feel they are harassing and intimidating me ; or trying to wear me down. My checks specifically say principal only on them.
Consumer complaint received 2016-09-17
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I was approved for home modification.I completed my trial period and received docs with a sound ve ex husband name on docs.I applied for modification in only my name.I called my poc to inquire why his name was docs since I hadnt applied with his name on any my info.I was told that she would check into it.I received a call several days later informing me that because I live in a community property state that I needed a quit claim deed from my son to be ex and that would solve my problem.I was able to get a wuit claim from my soon to be ex husband and I faxed it over thinking that I solved the problem.I contacted my PIC and I was told I needed Divorce Decree.I informed her that she had.told me.that I.only needed the quit claim deed and that it would be impossible for me to get a divorce decree before 6months.I asked for a supervisor .I received a phone call from.the supervisor and I was told pretty much if I did n't get divorce I would lose my modification.I then filed a complaint with.Wells Fargo informing them that I didnt feel I was been treated fairly since I had did everything that I was supposed to do and that because im getting divorce im being penalized for.something I have no control over.I purchased my home 20years ago.and I have only veen married 2.5 years.I complied with everuthing they asked of me and im getting treated terrible.I received a call from them today telling me pretty much that if I didnt get a separation agreement that I would lose modification.This has caused emotional stress, headaches, sleepness nights I have XXXX has been an horrible experience.I would n't wish this on anyone.Please help me resolve this issue
Consumer complaint received 2017-02-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I had my mortgage with XXXX XXXX XXXX in which my regular mortgage payment and escrow to pay property taxes and homeowner 's insurance was included, the amount was {$1300.00}. The loan was transferred to Select Portfolio Servicing and even-tough my property taxes and homeowner 's insurance have not increased, Select Portfolio Servicing has increased the escrow amount to an additional {$53.00} a month making my total monthly payment to XXXX. I find this very unfair and abusive.
Consumer complaint received 2017-03-06
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a Bank of America Credit card. With that card I had a cash advance balance at one higher interest rate and a lower rate on my purchases. I noticed that the cash advance balance was going up instead of down and what I determined is that when they get my minimum payment they take all of the payment and pay the interest charges out for the lower interest purchases first and then they take the rest of the payment and apply it to the principal. That means that the interest accrued on the higher category cash advance is added to that higher rate principal balance as if I 'm not paying anything on the interest of the higher rate balance. Is this even legal to not take the interest rate charges out of a payment but apply it to the lower principal before paying off the interest charges first? If it 's not illegal, it 's at least misleading in how credit card interest rate charges get accounted for. 

Thank you for your help!
Consumer complaint received 2015-08-26
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

When Bank of America did not receive a payment from me on time, or even 30 days after the payment was due, they did not bother to call, text me or mail any correspondence to me. They were emailing statements to an old email address which I failed to update them with however they had my phone number and my mailing address. I was only made aware of the late payment as Bank of America mailed me a letter after the payment was already 60 days late. This letter advised that my payment was 60 days late and as a result my credit would be adversely affected and that they 've lowered my account balance from {$4500.00} to {$500.00}. 

Upon receipt of this letter I called Bank of America to first off pay my account balance of {$6.00} which was initially due on XXXX/XXXX/14. After I paid the balance I spoke with someone to dispute the lowering of my limit and asked if they could retract or note their reporting to the credit reporting agencies differently so it would n't affect me negatively. Their argument to not calling or mailing anything to me was that I selected paperless statements. I brought up the fact that that any debtee will try all methods possible to reach the debtor and collect that payment. They were of no help, the rep. was very rude and they still have not mailed anything, as they promised, with their answer to my disputeAs a customer of Bank of America, I would think that they 'd want me to receive the best service, that they 'd want me to keep a good standing account with them and that they 'd look out for my best interests. In this case I feel like Bank of America failed me and then they penalized me. All of this was totally avoidable had I updated my email address or remembered that I had charged {$5.00} on my card however in the event I failed on my part, Bank of America should 've called me, texted me or mailed a letter to me as soon as they did n't receive a payment when it was due. Instead they mail me a letter after my payment is already 60 days late. If they were capable of mailing this letter, why could n't they have sent me XXXX 60 days before letting me know the payment was late? There should be a rule to protect the consumers and state that the debtee must try all methods available to them to reach the debtor as soon as the payment is late.
Consumer complaint received 2016-09-17
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Alaska XXXX XXXX auto-payment options are misleading, causing customers to choose the wrong payment option and getting charged for interests every month. When I set up the auto-pay online, the available options are : 1 ) Minimum Amount Due 2 ) Amount Due 3 ) Statement Balance 4 ) ____ ( fill in amount ). I had selected # XXXX Amount Due believing that this meant paying the full amount due and not minimum amount due. According to the bank representative, Option XXXX and XXXX are the SAME and I should have picked # XXXX instead. I had contacted customer service previously and no one had told me about this error. I noticed the continuous interest charges just this week, called the bank, and got transferred to the online unit who was nothing but useless. They insisted that this is a user error and there is nothing they can do. The written communications on the e-pay site is so misleading that it appears deliberate. This must have caused many customers to make similar mistakes and be forced to pay interests unfairly. I 'm looking for help resolving this issue as the bank representative and manager have refused to take any action.
Consumer complaint received 2016-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I am in the repayment phase of my student loans and have been for the last XXXX years. 
I consolidated my loans with XXXX XXXX and that loan was later transferred to Navient. 
During the consolidation process around 14 years ago my loan interest rate was locked in for 30 years at 3.375 %. I have been paying {$250.00} / month ( via direct debit ) since I consolidated my loan at that time. 
Recently I received a letter from Navient stating that they had to " recalculate my payment '' but that the other terms of my loan ( principle owed, interest rate, and number of payments ) were not being changed. When I called customer service ( on two separate occasions ) and later uploaded an email message online, eventually I was advised that they are now using the original interest rate of 4.625 % to calculate the payment ( but I am " still getting the lower interest rate of 3.375 % '' ; huh? ). Even though they state that this will pay the principle down faster, they still show the same number of payments being paid ( 196 total monthly payments ). ( Anyone with a sense of numbers knows that this makes no sense. ) {$38000.00} - amount currently due 3.375 % interest rate XXXX payments. 
Based on these numbers my monthly payment should be {$250.00}, not the {$270.00} to which they have raised my payment. 
I have spoken to them on the phone twice and emailed them with no better response ; at first I just thought I was speaking to a dullard on the phone but the consistency of their responses makes me think otherwise. I think the company is making a concerted effort to defraud me ( and I would presume others as well ), as clearly the terms have changed on my loan, which is NOT a variable loan. Please help. 
Look at the numbers on their website, which I have uploaded. ( It is broken down into the XXXX loans that were consolidated. The numbers do not add up when you put them into an amortization calculator. If I pay the principle due with the payments they have calculated, it should pay down faster than what they have listed. In their email response to my inquiry they noted that " the minimum monthly payment amount for your loan needed to be modified to ensure that your loan will be paid off by your agreed upon loan term end date. '' If you calculate the numbers you will see that that statement is false.
Consumer complaint received 2016-09-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX make a payment via telephone to the airline XXXX XXXX, a total of {$260.00} dollars for an air ticket. After the confirmation will come near the airline ticketing, revice my account in Wells Fargo and indeed to check my balance had been reduced by the same amount and stay compliant. 
In this day by checking my bank account I am surprised to see that my balance had risen again and no longer appeared the debit item of the airline. 
Communicate with customer service bank and they tell me that the airline had sent a request for payment, but which had not yet done the same, ie the airline still had not collected this value My concern and complaint is as follows : If payment was not made yet, because reason Wellsfargo debit my account in the day yesterday, today return those funds if nothing had happened???? That even aparace one iten of return????? 
I do not agree or consider legal right or a bank debit our account and use who knows for purposes of our own money when the end has not been collected by the trader who intend to pay. 
In this case, the iten should appear as pending, but never get the value of our own, because in this case I feel that the bank used my money without my consent. 
Worse, the answer customer service bank Wells Fargo has been pesima because they only know how to tell me about my responsibility to know that the customer may return at any time to collect your payment, but do not recognize at any time shared responsibility in these cases it takes the bank, which has deducted and withheld money, without it being paid really
Consumer complaint received 2015-08-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (FL)

In the first XXXX years that Seneca Mortgage Servicing, LLC has serviced our mortgage, they have failed XXXX to make the home insurance payment on time. Now we are dealing with a large insurance claim to replace the roof due to storm damage. Seneca only use standard mail to exchange forms and does not use email, fax or other faster forms of communication. It took XXXX weeks for them to send us the forms required to initiate their process. They say it will take another 5-7 days after receiving for them to process the forms and release the funds to pay for repairs - and that is best case. In the meantime, our roof is vulnerable to leaking during the raining/stormy season while Seneca crawls along " protecting '' their investment. Why is an archaic company allowed to remain in the mortgage servicing business when they are actually causing problems for customers and putting property at risk? If I had a choice of servicing companies, Seneca would be on my " never use them '' list.
Consumer complaint received 2016-09-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I went into bank to close account upon closing an account I made bank rep aware I had opened another account online. We worked to have payments and outstanding debits taken care of by the open account. A month and a half later the new account and my debit card were no longer active without prior notification to me. After the fact I received a later saying my account was closed due to insufficient funds on the account I went into the bank to close. After working with the original bank rep my account was reopened but no money was returned for those insufficient funds. Debit card also not restored and I have been a customer of this bank for over 20 years.
Consumer complaint received 2015-08-26
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (NY)

On XXXX XXXX, this collection agency contacted me via phone. They also skipped traced XXXX additional numbers to family. I called them on XXXX XXXX asking them to REMOVE my family numbers and made it clear that they had a good number for me and to stop contacting 3rd parties attempting to skip trace. I spoke to a women who barely spoke any english and I verified my identity with her and again told her to remove XXXX additional numbers from my account. She began to get very rude and said she removed them. Today, on XXXX XXXX some of those 3rd party numbers that were skipped traced even after a verified contact with me had been made and I ordered them to remove those other numbers. I contacted the company back today and asked them to remove those numbers again. The gentleman who answered the call was much more professional than the first women. He advised me the numbers had not been removed and he was removing them at that time. I again went through the verification process with them to confirm my identity and confirmed the numbers had been removed. Less than XXXX hours later I received a call again .... this time i spoke to another representative who stated again the skip traced number had not been removed ... and went through and removed the number again and went through the verification process again. At this time I advised the representative i was filing a complaint with the CFPB.
Consumer complaint received 2016-10-03
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MO)

Wells Fargo has been taking my monthly payments and applying these payments to my Chapter XXXX. Why I Say as I am now in the hole due to their taking money that should have been applied as payments to my mortgage and not my ChapterXXXX.