davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-08
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

On XXXX XXXX, XXXX I sent money, via MoneyGram, to my mother in XXXX. Unfortunately, my mother was not able to pick up the money because when she presented herself to the MoneyGram cashier, she was told that the money has already been picked up. My mother explained to the cashier that she has not picked up the money, and asked the cashier to tell her which agency disbursed the money but in vain. 
On XXXX XXXX, XXXX I then contacted MoneyGram here in the U.S to file a complaint and asked for a refund ; an investigation was opened with the following case number : XXXX XXXX. The MoneyGram agent I spoke with said the investigation would last up to 90 days, then I 'll be notified of the result. 
But I was never contacted by MoneyGram regarding this case ; I have been the one constantly calling to ask for an update. Everyone I have talked to at MoneyGram has been giving me the run-around. On XXXX XXXX, XXXX, I called again, and the MoneyGram agent I spoke to told me that my case was close, and that the investigative team concluded that the money was picked up by my mother. When I asked MoneyGram to show me a proof that the money was picked up by my mother, the agent said he could n't disclose that information to me. I also asked to speak with someone from the investigative team, but they refused. 
I 'm completely disappointed with MoneyGram ; this unfortunate experience tells me that money transfers are not safe and reliable. I need help getting a full refund from MoneyGram. 
Thank you, XXXX XXXX.
Consumer complaint received 2016-03-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

CapitalOne froze my account for potential fraudulent activity. After sending the requested documentation they still insist on not resolving my issue. If the end result is to close the account and terminate the relationship then let 's do that but to have our funds frozen and prevent us from operating is not right.
Consumer complaint received 2016-03-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

there is information on my file that either is unverified, inaccurate or I have no knowledge about and the credit bureaus are either not processing my disputes or they are not doing their job correctly. I have not received any documentation in the mail that either verifies or validates any of these that i am disputing and I just am not sure what to do right now. I asked for documentation, was denied it and all of these come back as verified but nothing is being verified at all! Who did they call? What was the date? Who did they speak with? What documentation was used? What was the method of verification? I already made a complaint with the Attorney General because this is absolutely absurd.
Consumer complaint received 2016-03-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Statebridge Company (GA)

This is an official complaint against State Bridge Company for threatening me with foreclosure action without providing me with requests for full disclosure, validation of debt and opportunity to be considered for a loan modification or a principal reduction.. State Bridge Company has failed to answer my specific questions pertaining to the mortgage transaction. In addition, State Bridge and home Inspection Company has interfered with my contractors by unlawful entry and missing construction equipment. 

Rather than truly discussing options, especially a principal reduction that would be conducive to my current income and financial circumstances, this servicer appears to be only and solely interested in foreclosing against my property on XX/XX/2016, Rather than allowing me to retain the mitigation services of XXXX XXXX XXXX, State Bride Company chooses foreclosure as an ultimate remedy ... 

Even with the recent assignment from XXXX XXXX XXXX, XXXX to a State Bridge Company, there has been no effective follow-up on any of the issues or specific questions addressed in several attached communications. Moreover, this servicer has failed to disclose a valid Power of Attorney to perfect any foreclosure action on the property. Throughout my correspondence experience with State Bridge Company, this servicer responds in vague, fictitious, misleading and deceptive language. Furthermore, State Bridge Company has failed to direct me to a specific person of contact in order to resolve any mortgage issues.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there is an item on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous XXXX
Consumer complaint received 2016-03-11
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: ZENCO COLLECTION, LLC (CA)

This number called me:XXXX. I was told I need to call because of a legal claim against me. Naturally, I called. Zenco Collects representer told me I will be taken to court and I will lose my XXXX license if I do not pay. He implied that again during the conversations. Then of course, I can only think of that issue and I got my XXXX. I cried. And basically he said he will hang up and does not need to hear me cry and that I will owe more than I should if I do not resolve this issue with him now. I was told that he is recording our conversation and can be used in court. Please do. Please listen to the recording and see how he intimidates and says he needs to speak with the lawyers and that if by XX/XX/XXXX I will be again taken to court. I will be paying more than I should.
Consumer complaint received 2016-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

Currently, my account is in deferment due to my attendance in a XXXX program at XXXX XXXX XXXX University. As I am in deferment, I make periodic payments towards my loan as the Autopay is turned off and I have not been able to reestablish the Autopay service. 

To my surprise, when I was using the My Campus Loan website, I found that they are now charging me a XXXX cent fee in order to make my payments or processing fee to use my credit/debit card. In the past, I have been able to make additional principal payments and payments during deferment using my checking account for free via the website. I understand that it is recommended to use the Autopay service ( as I have in the past ) ; however, since I am in deferment, this convenience now incurs a charge and I have been instructed to deliver a check to XXXX University to make additional principal payments towards my loan. Your representative has made a note on my account to contact me when my payments are made and posted to my account which helps me feel more comfortable when making a payment directly to the University. 

My major concern in this situation is that I had not been notified of the additional fee and feel that this additional fee is further adding interest and fees to those who are in the same situation as me ( in deferment or grace period ). As this is a subsidized Perkins Loan, the servicer should not be entitled to these fees due to my loan status and I should have been notified of this change before they were made and should have been offered to send checks directly to XXXX University ( as indicated by your representative over the phone ).
Consumer complaint received 2016-11-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

When i pull up my credit report from a website that pulls reports I noticed some things that were not mine. i went to call and no on e would realy help then i sent the credit bureaus my letters to dispute what they were reporting. Got a couple things that were fraud removed but they kept some of the other sutff. I pulled my credit first because I was really wanting to buy a new house in the next year. mortgage place did tell me to contact the bureaus and did n't really work or do anything. also police didnt really want to help unless i knew who did it. I dont or I would go see them to asnwer for this. thank you.
Consumer complaint received 2016-03-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (GA)

XXXX 2016 : I logged on to Navient to make a payment and found my account put into forbearance without my permission or notification. When I called customer service to sort out this issue I was told by a representative that they had received notification from a 3rd party that my father, the loans cosigner, had died. Needless to say this caused me distress and to spend the next few hours calling my family and tracking down my father to confirm that this was not true. When I called Navient back, I informed them that the information they received was false. I then inquired about the 3rd party that sent notice and I was told that that information was not available. I then asked them to correct the issue and put my account back to its previous state so that I could get caught up on payments. After 40 minutes waiting I was told that it would take 72 hours. I informed the agent that I would not make a payment until my account was corrected. It is now over 3 weeks later and the account is still in forbearance and showing inaccurate information and I refuse to deal with their incompetent customer service again. The account is probably accruing interest and I 'm sure late fees as well, but I ca n't get that information from their website. I am suspicious as well about this " 3rd party '' that told them my father passed. Since they will not tell me anything about them I have to assume that they, Navient, are behind this because they are the only ones gaining from my account being in forbearance ( accruing interest ). So I have turned to the only place that might be able to help me out.
Consumer complaint received 2016-03-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc. (FL)

Collection agency ( NCC Business Services ) is actively reporting on my credit report a false debt, on behalf of a realty company ( XXXX XXXX XXXX XXXX ) that was used by my former landlord. Even after several attempts to resolve this issue, including letter from realty signed with balance due was {$560.00} ( before my payments of {$730.00} ), proof of deposit paid, original rental agreement ; they insist that client is firm on debt of {$6600.00} which included repairs charges never done to the house for {$4300.00} ( the house was not damage at all ), security deposit of XXXX ( they said I did not paid ) XXXX is trying to collect on a debt without a judgment and the property is not managed by them on the present time. They are aware of this but they still reporting to the credit bureau actively damaging my credit. 
XXXX XXXX has XXXX reviews that shows that I am not the only victim of this company practice.
Consumer complaint received 2016-03-09
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (NJ)

chase charged me {$34.00} NSF fees for a {$10.00} charge. i do not recall signing an agreement which states such. XXXX were supposed to use another card I had until I could figure out if the charges were valid. the debit card should have been suspended when I called in XX/XX/XXXX. the customer service rep in XXXX may not have understood what i was saying.
Consumer complaint received 2016-12-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NJ)

I am a long standing Wells Fargo banking customer using checking, credit card, mobile and online sevices. Today I attempted to transfer funds from one checking account to another checking account. Instead of a checking to checking transfer, a checking to credit card payment occurred. After calling customer service I was informed this transaction could not be reversed/cancelled even though it was still in a pending status at the time. I was informed it would take 1 to 5 days repeatedly to reverse transfer which further ascerbated the conversation and my frustration level. Every explanation from me indicating that the credit card had a XXXX balance for 9 months and it was a Wells Fargo credit card brought the same response 1 to 5 days, I thought I was talking to a robot with an automated response.
Consumer complaint received 2016-11-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When i pull up my credit report from a website that pulls reports I noticed some things that were not mine. i went to call and no on e would realy help then i sent the credit bureaus my letters to dispute what they were reporting. Got a couple things that were fraud removed but they kept some of the other sutff. I pulled my credit first because I was really wanting to buy a new house in the next year. mortgage place did tell me to contact the bureaus and did n't really work or do anything. also police didnt really want to help unless i knew who did it. I dont or I would go see them to asnwer for this. thank you.
Consumer complaint received 2016-03-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Maury Cobb, Attorney at Law, LLC (FL)

Received letter from Maury Cobb Attorney At Law LLC- trying to collect a debt. That is not our debt, called them to let them know that the person to which debt belongs to does not live here nor has never lived here. They did not let me explain this and they hung up the phone on me, I tried to call them again to explain and was hung up on again. The Letter is addressed to XXXX XXXX which is my husband 's name XXXX XXXX but he is XXXX, the debt is for XXXX XXXX XXXX. When we first received a letter from XXXX to whom the debt is with. We called them to inform them that the Debt was for XXXX XXXX XXXX, who has never lived at this address, to please correct there records. Please Help me with this matter for obviously the staff at the Law Office was very rude and did n't let me explain this. I did n't want to speak about the debt for this is not our business, just to let them know that this person does not live here and has never lived here, They need to stop sending this letters to my home. I received the letter on XXXX/XXXX/2016 and called them this same day. If you would like I can e-mail or fax the letter to you. 
Thank You
Consumer complaint received 2016-03-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwestern Health Management INC (NE)

I have an entry on my credit report from Northwest Financial Services in XXXX XXXX, Missouri that stems from a medical bill from XXXX that was reading an x-ray on my finger back in early 2008. The original bill was XXXX and now they have increased it to over XXXX. This bill is past the seven year mark and they have been made aware of this but they state that they can report this for ten years. This is violation of FCRA. I have wrote letters, made numerous phone calls and always I am told that it remains fro ten years.
Consumer complaint received 2024-10-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CT)

This loan was taken out in XXXX when I had no other way of taking out a loan to pay for school. The loan is under my maiden name XXXX XXXX. The terms of this loan were not clearly defined to me or my mom who helped me secure the loan. The way this loan is set up still makes no sense to me as I am listed as a cosigner and my grandfather is listed as the borrower. The original principal on this loan is listed as {$10000.00}. We have been paying it back since XXXX and the interest accrued on this loan is up to {$16000.00}. After 14 years of payments the loan balance currently sits at {$10000.00}. The interest rate currently is 10.50 %. I contact Navient regularly to help me with my monthly minimum payments as sometimes I am not able to afford it. I have been offered forbearance and interest only promo periods. I accept whenever I get either of these offer because I am desperate to keep my account in good standing. I am never offered any real help or resolution. When I have defaulted in the past my credit score dropped by a devastating XXXX points. I was hopeful during Navient 's last consumer settlement, but I did not qualify for that because I had not defaulted enough on the loan. I feel as though I am trapped in a loan that is impossible to pay off.
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CA)

Re : XXXX XXXX XXXX Limit XXXX Credit limit reduced from {$14000.00} to {$5000.00}. 
The reason stated was due card usage in the last XXXX months. However, as noted in my XXXX ( XXXX ) previous complaints, my card had been blocked by Barclay for a majority of the last XXXX months and as noted in my previous complaints I made multiple attempts to use the card but the transactions have been denied.
Consumer complaint received 2016-03-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (TX)

I refinanced a condo XX/XX/XXXX with no problems. I did not set up an escrow account and paid my taxes and insurance separate from my mortgage payments. XX/XX/XXXX, RoundPoint Mortgage contacted me saying they had paid for my insurance and wanted to be paid back. I checked with my insurer, and they did have a payment from RoundPoint, so in XX/XX/XXXX I paid RoundPoint. Then in XX/XX/XXXX, I looked through my paperwork for the refinance. I have a XXXX form that shows that I paid for insurance as part of closing. I 'm not sure where that money went, and I think I paid twice for that year of insurance. I have called XXXX repeatedly, only to have them tell me to email their servicing help desk. I did that and only received an automated response and no reply as to what any research they may have done turned up. I also sent a letter explaining the situation with a hard copy of the HUD-1 statement and sent it by certified mail. RoundPoint received it ( per USPS certified mail tracking ) on XXXX. I just called them again and was told to email them. I do n't think they are doing anything to look into this matter, and I just keep getting a run-around.
Consumer complaint received 2016-03-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: KEYCORP (OH)

I had multiple federal and private student loans during my time in college. During my personal bankruptcy case after college, I found that after my discharge was granted that, while most of my student loans were moved into the automatic stay, XXXX was not. I was the only signer on this loan and never intended or tried to have my student loans discharged during my bankruptcy case. All of my other loans resumed as normal after my case was discharged after some time, all except XXXX from my KeyBank loan. Unknowingly, they had moved my student loan into default and discharged it during the course of my bankruptcy, all without any of my knowledge or contact from them ( due to the rules of bankruptcy ). My complaint here is that it has been negatively impacting my ability to obtain better credit since it shows as an outstanding collections balance. Now, I pay far more monthly to their collections arm than I would have if the loan would have resumed normally, like every other loan I hold. I feel this was unfair treatment during a bankruptcy, unfair reporting of my credit situation, and an unfair balance to pay off as a lump-sum. I have no means of recourse here since this item was nestled tightly into my promissory note and seems at odds with the inability to discharge a student loan without proving undue hardship, which I never pursued during my case. I do not have any requests beyond repairing my credit standing and paying a fair monthly charge, something of which I was never given the option. My lawyer claimed she had nothing to do with this portion of the bankruptcy and washed her hands of me and my case. What are my options now other than sit back and take it on the chin? I have attached a copy of my credit report from last year and my most recent statement from them with the monthly payment amount I currently pay.
Consumer complaint received 2016-03-09
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (NY)

Last year I filed a complaint with you regards to Midland Funding. A few years back I noticed that Midland Funding showed up on my credit report and disputed it through XXXX and XXXX because I did n't know who they were. I received a letter from the credit reporting agency that they did not respond so it was removed. Last year my work received a garnishment letter from the Sheriff. I was given this information from my employeer. I contacted Midland Funding who referred me to the collection agency they had turned it over to. When I contacted the collection agency the informed me that this was for XXXX XXXX XXXX. I financed a vehicle for my family member back in 2001 and never knew the vehicle was taken back by XXXX XXXX XXXX. I was able to verify the date that the last payment was made. I contacted the courts to see when a judgement was filed. I contacted an attorney who informed me that the statue to file a judgement in NY was six years from the last payment. After verifying this the judgement was filed after six years and I was never served with paper from XXXX XXXX XXXX, Midland Funding or the collection agency that they were suing me for this debt. The collection agency informed me that payments were made to them in the last coule of years, I asked them for copies of these payments made which they said they could n't provide me. This clearly is because I never made payments to them and my family member who I financed the vehicle never made payments them either. I want proof of these payments made within the statue of limitations which were never provided. I was informed to file a complaint through this site and am also going to seek an attorney as well to assit with this matter. I would like assistance to find out how they can violate the law and not provide me with this so called payment that I made to this account. I would like this documentation but none of them will provide me with this because it is not the case. I was told that you could assist with getting them to provide this since their acting in violation of the states laws. I notice that the collection agency they placed this with has been sued several times due to this. I was told I could also file something with the attorney general which I will also be ding today.