davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (NY)

Hello, my name is   XXXX   XXXX   XXXX   and I 'm contacting you on behalf of my grandmother  XXXX   XXXX   XXXX . My grandmother is  XXXX  and she is getting ready to retire from a  XXXX  so she has me trying to get her finances square to do so in relative peace. So I inquired about her credit cards that she has had sin ce  XX/XX/XXXX  a  nd  XX/XX/XXXX  and t hey have accumulated a few thousand dollars in interest debt even though she barely used them if at all, even not having a physical card. She was making her payments that were printed on the bills but she did n't realize that the cards were charging interest on the interest and compounding ove r two decades. Sh e is n't asking for a hand out but it is n't right for thousands of dollars to accrue from just interest on the interest before just to keep an account. Another amazing thing I found out when I contacted them is that when she opened the account  ( s  ), that they assume d one thousand dollars in  debt and charged 29.99 % interest on it even though she had n't used the card. They have lowered it down to 16.99 % percent but the damage to the account has already been done. Even with the debt she has a good  credit score a nd plenty more of actual available credit but she just wants to retire with a clean slate and as lifetime   XXXX   XXXX   XXXX   XXXX  . Also wants some semblance of justice or reconciliation on this matter. To her its a moral matter more than a financial one.     Thank you for your time,  XXXX  and  XXXX   XXXX
Consumer complaint received 2016-07-12
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ATG Credit, LLC (IL)

I was checking my credit report last night and noticed it had dropped XXXXpoints and there was a collection account listed. I looked at the collector 's name and called today. I informed them that I never received any type of communication regarding this debt. The man I spoke to who 's name is " XXXX '' told me they sent out notices to an unknown address. I related to him that I live at a different address. He then told me there was nothing I could do but send dispute letters to the credit bureaus. I told him they have hurt my stellar credit rating and I am in the process of buying home. He then told me the debt was for XXXX -- that is right XXXX. The agent then hung up on me. I called back to get his name and they put me on a very long hold and hung up. I called again and was finally able to get his name. I have sent them a debt validation letter and they have not responded to that request. I looked the company up on XXXX and they have the worst reputation. They are ATG Credit LLC
Consumer complaint received 2016-10-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ENCORE CAPITAL GROUP INC. (FL)

This is an XXXX account that is 13 years ago that is no longer on my credit report, but Midland Funding has this account using false information calling it XXXX which is wrong, trying to collect on a 13 year old debt my credit have suffer from not having the money to pay XXXX when my job had close down. Midland have file a case with XXXX County Courts on XX/XX/2014 and this case was close. The account number is XXXX and the Docket # XXXX.
Consumer complaint received 2016-07-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have written and contacted Transunion so many times, and their most recent shenanigans involves them not removing items from my credit report, even after the collection agencies have notified them to remove such items. There are accounts in collections that the companies have stated should be removed but the credit reporting company is neglecting the requests. I am asking that the items be removed today! and an apology letter to follow.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (TX)

They off set my income tax on a loan I never recieved for {$5000.00} on a {$6000.00} loan. They sent the money back to the school and sent the loan money back to the school 3 months later. They never informed me they were charging me for that loan and I ended up owing {$2000.00} to them for that loan but have no record of who the loan was transferred to in XXXX and why there is a balance owed.
Consumer complaint received 2017-05-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (TX)

Credit Collection Services   XXXX   XXXX   XXXX  ,  XXXX , MA  XXXX  Date  XX/XX/XXXX  Dear Credit Collection Services After viewing a copy of my credit report, I noticed (   XXXX   ) collection accounts placed on my credit report from you in (   XXXX   XXXX   ) Acct #  XXXX  in the amounts of {$270.00} and {$71.00} from  XXXX . I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.
Please provide breakdown of fees including any collection costs and medical charges.
Provide a copy of my signature with the provider of service to release my medical information to you.
Cease any credit bureau reporting until the debt has been validated by me.
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Sincerely,   XXXX   XXXX   XXXX
Consumer complaint received 2017-05-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NC)

On Monday  XXXX   XXXX ,   XXXX  , I initiated an " instant transfer from my  PayPal account to my commercial bank in the amount of {$6200.00}. I was informed that the transfer would take " up to one business day '' to complete. After two b usiness days on Wednesday,  XXXX   XXXX ,   XXXX  , the transaction was still listed as " pending ''  by PayPal. Some how, I was able to speak to a PayPal re presentative who had no explanation for the delay but assured me the transaction was in order and would be completed soon. Today, Thursday,  XXXX   XXXX ,   XXXX  , the transaction is listed as completed but my bank has no record of the transfer and the funds have not been credited to my account. A record ed PayPal message informed me that it may take three to four business days for the bank to process the transfer. PayPal has completely misrepresented their service, a service I will never use again.
Consumer complaint received 2016-10-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (FL)

On XX/XX/XXXX I called in to speak with a supervisor about my payments. I advised that I was going to make a {$50.00} payment online as well as a {$330.00} payment because there were no extra fees. I also stated that I was on a break and did n't want to be late going back. The representative was very rude and told me that I was very late behind, and I needed to pay after work. I called back when I got off at XXXX and spoke to another supervisor, and was told to just go online and set up my payments. I assured her that I would do so and I did right after our phone call. On Monday, XX/XX/XXXX I checked my vystar balance and saw that my account was overdrafted. I immediately called my bank and was told that GM Financial tried to withdraw {$330.00} plus a {$10.00} processing fee. I was so angry but worried as well because this was never authorized. I immediately called Gm Financial and spoke to a representative named XXXX, who informed me she would do all she could to help. XXXX placed me on a very long call and asked why did n't I just tell my bank that the payment was unauthorized. I explained that I did and XXXX stated that she would need to place me on hold and never came back on the line. GM Financial is a very unprofessional company my bank has waived all my fees but now I have to pay for a stop payment and that is not fair. I always have to ask for a supervisor and the attitudes are unreal.
Consumer complaint received 2016-07-10
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY (CA)

XXXX Claim I took out loan Wells Fargo 2011, in California XXXX XXXX. Had my information but I did not live in XXXX nor have account with Wells Fargo 2011. They called me saying I owe {$400.00}, Wells Fargo can not verify or says I owe any debit. The loan amount was {$400.00}, no interest. Rep would not mail me verification letter, said she would escalate it back to collector
Consumer complaint received 2016-07-11
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY (VA)

I applied for a Wells Fargo Rewards credit card and was approved in XXXX 2016. When I received the card, I noticed it was not enrolled in the XXXX rewards promotion for which I specifically applied. I inquired via secure message on the Wells Fargo web site and via phone calls to both general customer service and the rewards department. The only coherent response I received was something about a 16-month limit but I read no such limitation when applying for the card.
Consumer complaint received 2016-06-23
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MN)

My husband and I filled chapter XXXX in XXXX XXXX. Since then our payments have been missapplied. After chapter XXXX was discharged, we received a certified letter from Wells Fargo stating that our loan was 6 month behind. We were at 7.1 % rate. Once I started to work the their loan department to show the prove of the payments, as of XXXX XXXX my loan stmts show interest rate of a 0 %, and each monthly payment that we make puts us behind more, meaning I make a payment it goes against principal but then it adds back to amount due. Now XX/XX/XXXX, per Wells Fargo we are 10 month behind. So every payment we make they missapply. Its been a 8 month battle, no one can give us any answers, our credit history getting ruined..Who can help us?? Please ... I have all the bank stmts for the last 7 yrs showing pmts made. Interest and principal have been missapplied. Please help. 
Thank you, XXXX XXXX
Consumer complaint received 2016-10-20
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

I presently have a loan with Cashcall, which was completed approximately 4 months ago. 

As interest rates have improved, I decided to go back to Cashcall for a refinance. After completing the necessary paperwork, I was told I had loan approval. In fact, I signed the loan documents with a notary. Loan number is # XXXX. 

After loan documents were signed, Cashcall indicated that XXXX and XXXX loan requirements had changed, stating that my Roth IRA account could no longer be used as qualified income, as I had used in the first loan. ( I submitted a letter from XXXX, showing the monthly distribution, which I offered this time as well ) After researching this " new '' requirement from XXXX and XXXX, I was unable to find anything online to support this statement. I believe this is untrue. 

XXXX XXXX and XXXX XXXX from Cashcall indicated to me that an automatic IRA distribution for persons over XXXX could only be used as qualified income. 

I notified Cashcall that I only have a Roth IRA, which does not require an automatic distribution. This is the same Roth IRA that I used for the first loan with Cashcall! I made numerous attempts to reach them, both in phone calls and emails, with no response whatsoever. 

I believe they are discriminating against me because of my age.
Consumer complaint received 2016-07-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (VA)

We have a XXXX XXXX loan with SLS and have been trying to modify for almost a year. They keep telling us everything is in and under review, we then receive a letter saying paperwork did n't get in on time or something else is needed. We constantly get contradicting information. 

The loan was handed off to an attorney for foreclosure ; however, the file was not moving forward. I would check weekly and continue to feed information over and over again to SLS. 

A man showed up at my door to buy my property. I was shocked, so he handed me the paper and my property was listed to be foreclosed on XXXX XXXX, 2016. I had received no notices of this. I immediately called the lawyer and was told that notifying me slipped through the cracks. 

I received a certified letter four days after calling the attorney 's office. 

We qualify for a modification according to my research and we have the money to make the payments since my husband is now employed back in his field. 

We cant even get reviewed for alterantives, SLS just wants to take our property which has about {$900000.00} in equity. 

This is our lifes work, we are in our XXXX and this is our XXXX. 

I do n't know who to trust.
Consumer complaint received 2016-08-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Monterey Financial Services LLC (GA)

I was extremely surprised and upset when I checked my credit report in XXXX 2016. There is a mark by Monterey Financial Services XXXX XXXX XXXX, XXXX, California XXXX. It is in regards to a disputed contract with XXXX XXXX over a misrepresented vacation package. I disputed the mark with XXXX and the collection mark remains and does note that it has been disputed. The problem is Monterey NEVER notified me in writing that I was going into collections. I NEVER had a chance to dispute the collection attempt until AFTER it was already on my report. I did notify Monterey in XXXX and they ignored my grievance, I still have not received a collection notice from Monterey.
Consumer complaint received 2016-11-22
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (AK)

Big Picture Installment Loans ; Applied for a {$500.00} loan and was approved for {$500.00}. Initially, I was led to believe the cost of the loan would be {$250.00}, which at the time I thought was steep but I was willing to pay that much in order to borrow the {$500.00}. I did n't think about it at the time but I had given Big Picture permission to debit my checking account {$250.00} for repayment of the loan. A month went by and the {$250.00} was debited without any difficulty and I thought I had just two more payments of {$250.00} each to make in order to pay back the loan. A few months went by and {$250.00} was still being deducted from my checking account. I checked on the status of my loan and discovered I still owed {$750.00}. I thought perhaps an error was made so I looked at the details of the installment re-payment schedule and found out Big Picture Loans was charging me {$250.00} every month and the earliest I could pay off the loan was after 5 installment payments for a total of {$1200.00} I could n't believe these people could charge that much for a {$500.00} loan, but apparently they could. My first few payments and a payoff of {$750.00} was what it took to get the loan paid off which now I believe will stop the debiting of my checking account {$250.00} every month.
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Trans Union Issued a credit score of XXXX on XXXX XXXX, 2016. After I secured a vehicle loan and increased the line of credit on my federal credit union account of over 10 years, my credit score dropped to XXXX on XXXX XXXX, 2016. New accounts are suppose to affect the credit score about XXXX %. My score dropped over XXXX points. Also, inquires were made within 30 days to process this car loan but each inquiry was counted separately instead of as " XXXX '' inquiry by law. There was a number of inquiries that are inappropriate. I tried to resolve this with officials with Trans Union with no success or valid explanation.
Consumer complaint received 2016-08-12
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (MN)

I recently closed my Citi Preferred " Thank you '' card because of an issue with a payoff. Once the card was paid off I received an interest charge of less than {$40.00} which I was unaware was added. I did not receive notice of this charge and was unaware until I received a call two months later. During this time I have received thtree late fees and my credit report has been affected negatively. 

My complaint is that these late charges were more than the balance due and were placed only on interest fees added an no principal.
Consumer complaint received 2016-07-11
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Home Loan Center, Inc. (FL)

Went to lendingtree.com and checked on auto refinance rates. Provided our name, address and phone number and current auto loan interest rate and amount currently owed. Then the next day MANY companies pulled our CREDIT Reports. 
We DID NOT Apply for Any Loans with any company. We DID NOT Authorize unknown companies ( never heard of them before ) to pull our CREDIT Reports. 
This is a SCAM that has hurt our credit and we DID NOTHING Wrong and did NOT apply for any loans with anyone. We have contacted the credit bureaus ( XXXX, XXXX and XXXX ) but they give us excuses and are all hesitant to start disputes for these unauthorized credit inquiries. Our credit score is lower now due to all these Unauthorized Credit inquiries. This is VERY SERIOUS. Someone needs to Help and not allow companies like Lendingtree.com to allow lenders they associate with to be able to pull credit reports without AUTHORIZATION. If we DO NOT apply for a loan then our credit information is PRIVATE and any fly by night company should not be allowed to pull credit reports. Each time a credit report is pulled we loose XXXX points on our credit scores. So if Lendingtree gives out information to say XXXX companies and they all pulled our credit scores then we would loose XXXX points on our credit scores each. This is horrendous since it takes forever to improve a credit score.
Consumer complaint received 2016-07-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC (AZ)

I lost my job on XXXX XXXX XXXX. I was unemployed with a few jobs in between for over two years. The first year I borrowed money from my parents to pay the mortgage but XX/XX/XXXX I could n't anymore. So I started not to pay and applied for a modification After all this time, I was just notified two days ago that I was declined for every option of the loan modification. My wife who is n't on the loan her income is XXXX a month, and mine is now XXXX a month, I got a job since. They told me that my only option is to come up with the XXXX that I owe in back payments or I can do a died in Lieu, a chapter XXXX a short sale or they will foreclose. As far as I know there has n't been foreclosure date set as of yet. I do n't want to lose my house. I have XXXX kids and it would really not be a good issue. They wo n't do a principal forbearance for me either. I would like to get a principal forbearance so that I can keep my house. They are n't very helpful or responsive. They have been the worst to deal with. It seems like they would rather foreclose then assist us in fixing the issue so we can keep our house. I am hoping that you can assist in getting this done. I really ca n't afford any more losses in my life and this would be devastating. Having a lender that is n't willing to help find an option is really hard.
Consumer complaint received 2016-11-22
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Peter Roberts & Associates, Inc. (MA)

I received a bill from Peter Roberts and Associates INC. stating that I owed {$270.00} to XXXX from an old account that was handed over to them. I have never received a bill from this company or any demand for payment. 
I do have medical insurance and it always gets checked before any doctors appointments. I called my Dr. just to clarify, who uses XXXX and they told me that they never sent anything to Peter Roberts and Associates regarding my account. I tried calling Peter Roberts multiple times, however it goes straight to an answering machine.I left multiple messages, but never received an answer. Please look into this issue, as I am lost why I got this bill. Others have been contacted by this company which appears to be fraudulent. 

XXXX