davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Finance Company, Inc. (CO)

Collection attempt is being made for a medical bill from a provider that I have not seen since 2009. I contacted the medical provider and confirmed that I had no outstanding bills. I have request contact from the collection company through faxes and USPS and have not heard from them.
Consumer complaint received 2015-08-11
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (AZ)

I HAVE A MODIFIED LOAN WITH CHASE MORTGAGE. I ASKED THEM FOR A COMPLETE ITEMIZATION OF THE BALLOON ON MY MODIFIED LOAN IN THE AMOUNT OF {$66000.00}. I ALSO ASKED THEM TO PROVIDE TO ME IN WRITING THE INCENTIVES I AM APPROVED FOR WITH THE US DEPT OF TREASURY, SPECIFICALL THE 6-YEAR ANNIVERSARY INCENTIVE FOR ON TIME PAYMENTS OF MY MODIFIED LOAN. I SPOKE TO XXXX XXXX WELL OVER 2 WEEKS AGO ( TODAY IS XXXX/XXXX/15 ) AND SHE TOLD ME VERBALLY THE ANSWERS TO THESE QUESTIONS HAD BEEN PUT IN THE MAIL. AS OF YESTERDAY I HAVE NOT RECEIVED ANY OF WHAT I ASKED FOR. I DO NOT BELIEVE ANYTHING A CHASE EMPLOYEE SAYS TO ME VERBALLY AS THEY HAVE LIED TO ME VERBALLY FOR OVER 4 YEARS. I NEED WHAT XXXX TOLD ME IN WRITING. I NEED TO KNOW WHAT THE {$66000.00} BALLOON CONSISTS OF, EVERY PENNY OF THAT BALLOON AND I NEED TO KNOW AL THE REMAINING XXXX DEPT OF TREASURY INCENTIVES FOR MY MODIFIED LOAN. I NEED CHASE TO SEND THIS TO ME IN WRITING. 
XXXX XXXX
Consumer complaint received 2015-08-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (AZ)

I attended the California School of Culinary Arts in XXXX, California for 3 months in XX/XX/XXXX, and according to the school documentation I was charged {$11000.00}. I signed a " signature loan '' with XXXX XXXX Student Loans ( Now Navient ) to cover the cost of the school tuition and fees. XXXX XXXX ( Navient ) has since reported to credit agencies that I took out XXXX school loans to cover the expense of attending the XXXX, totaling over {$44000.00}. With interest, the amount that XXXX XXXX ( Navient ) now reports that I owe to credit bureaus each month is over {$100000.00} ( for attending cooking school for 3 months in XX/XX/XXXX while I was still in the military ). This false and inaccurate reporting on behalf of XXXX XXXX has ruined my credit status and has prevented me from qualifying for a home loan and other loans that would improve my quality of living. Whenever I have attempted to remedy the situation with XXXX XXXX ( Navient ), both by phone and in writing, I have been stonewalled ; the only response that I have ever received from them is that I owe the {$44000.00} plus exorbitant interest, totaling over {$100000.00}, and I need to pay it or it will continue to be reported to the credit bureaus. My loan went into default officially in XX/XX/XXXX, which only makes any attempt to deal with XXXX XXXX ( Navient ) all the more difficult, if not impossible.
Consumer complaint received 2015-08-12
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This company is calling my work. I notified the original caller that I am not sure about if this debit is mine as I was going through a divorce at the time of the debt in question. I asked them to mail me information. I have not received information and I continue to get phone calls. I can not continue to receive call during my work hours.
Consumer complaint received 2017-07-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

bank of America transferred my loan before my  1st payment is due for a modification i received a notice about my escrow having a su rplus over {$5000.00} Bank of America has not mailed the check .... my question is this .... where is this money? if the loan is transferred why are they trying to keep the money? the letter was dated  XXXX   XXXX  BEFORE the loan was transferred ... ... ... ... ..
Consumer complaint received 2017-07-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (AZ)

I had received a letter from Macys stating there will be changing my account terms annual percentage rate for purchases to 25.99 % previously 21.99 %. on purchases made on or after XXXX/XXXX/2017. I had went and checked my statement for XXXX 2017 and it shows interest increase to 25.99 % and I had not made a purchase since XXXX XXXX  2017! I tried calling the phone on the letter XXXX it lead me to option either 1 to accept terms or 2 reject and automatically have account closed. As you know if I opt for # 2 this will hurt my credit score. I do have excellent credit and feel as I am being wrongfully taken advantage of by there unfair practices. I would like this resolved Asap!
Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NV)

ocwen loan servicing llc was keep sending me a letter attempting to collect debt regarding loan number XXXX we have no idea of what and who do we owe this loan. we believed that XXXX mortgage transferred our acct to XXXX after we filed bankruptcy chapter XXXX. also possibly after we shortsale the same properties the next year. 
short sale was done under the advice of my lawyer because for two years after got discharged from chapterXXXX, properties is still under our names, and we can not buy a new house. so, in order to removed those properties in our name, we short sale it and went to legal process.
Consumer complaint received 2017-07-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (WI)

On XXXX XXXX, 2017, I had an appointment with XXXX XXXX XXXX to fix my coolant system problem. Unfortunately, I found out my vehicle was impounded at a near by police station. I contacted XXXX XXXX XXXX to let them know about the situation and to retrieve the vehicle so that it can be fixed. On XXXX XXXX, 2017 XXXX XXXX XXXX  retrieve the vehicle from the impound and I was told that there would be a XXXX dollar towing fee to get the vehicle back. I advised XXXX  the sales manager that I would be down the weekend to pick the vehicle up. I arrived at XXXX XXXX XXXX XXXX XXXX, 2017 at XXXX XXXX thinking that they were just closing, but they closed at XXXX. I spoke with XXXX he said that he was thirty mins away on his way home. I again advised him that I would be back the following weekend. I called all threw out the week trying to see what time I can come and pick the vehicle up. I never got a hold of anyone receiving the run around. I made my car payment of about 300 dollars on XXXX XXXX, 2017. I contacted the bank west lake financial about my next payment and to see if they could find out what was going on about my vehicle. I was told that XXXX XXXX XXXX purchased the contract back on XXXX XXXX, 2017 with a ACH back from the bank and that my account with them was closed. XXXX XXXX XXXX advised the bank that there was never a contract on the vehicle. I was sent via text message to refinance the vehicle from sales manager in the amount of XXXX dollars. The bank also refunded my car payment to XXXX XXXX XXXX. This fraudulent experience I received was very unsatisfactory. Both the bank and XXXX XXXX XXXX were giving me the run around.
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Trans Union is debitting {$17.00} from my account monthly and I can not stop it. I have called several times, account confirmed cancelled, and they keep taking the money. They refuse to provide documentation of this monthly debit being authorized. I demanded documents, they refuse. The Escalation Department resists service to me. Even my Bank is not responding to my disputes of the debit. There is no evidence of this obligation.
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This collection agency alleges that they updated the credit bureaus to reflect that the corresponding {$360.00} collection was paid. Neither my  XXXX  nor Experian reports reflect this information. In fact, both show that as recently as  XXXX   XXXX  , 2017, the accou nt was still reporting a {$360.00} balance owed and is still in collection status.     This account does not appear on my  XXXX  file.
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

Ive contacted XXXX XXXX several other credit companies and there is some incorrect information on my credit report. My first issue is there are several inquires on my credit that i did not authorize, and did not give any consent to having those companies pulling my credit causing hard inquiries. I have asked the credit companies and sent several disputes to remove these inquires due the credit error that they had in 2016 and they are still on there.
Consumer complaint received 2015-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX lists an amount due of {$6500.00} ( {$7900.00} highest balance ) as a Collection/Charge-Off on my credit report. This account belonged to XXXX XXXX and I was listed as an Authorized User. I never used the card and it is still in the envelope in which it was originally sent. XXXX XXXX sold this account to XXXX XXXX and they filed a collection lawsuit against XXXX XXXX . This lawsuit was Non-Suited by the Court and the amount claimed as due was deemed to be not owed. The attorney stated that the amount did not have to be paid to XXXX XXXX or to XXXX XXXX. When applying for a mortgage in XX/XX/2015, a conference call was held between XXXX XXXX , XXXX XXXX and XXXX XXXX . XXXX XXXX refused to discuss the matter, so no resolution could be had. They were extremely abusive on that conference call to which we still have the recording. We were not able to secure the mortgage because of that derogatory listing on my credit report.
Consumer complaint received 2015-08-12
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: JDJ Investments, INC. (LA)

Called to take care of debt a number of times, myself, then with representative, XXXX XXXX overtalked, yelled and interrupted every single word said. Then hung up on me, a total of 5 times. Asked about settling this OLD debt from 2008, he lied and said that the company does not offer settlements. Block you from talking to others at company, try to bully you into doing exactly what they say with no lip. Above description of issue with company options are limited. Conversations should be monitored and recorded as proof of complaint, we have times and dates called to resolve matter, in which this company did all they could to not resolve this OLD, OLD debt.
Consumer complaint received 2015-08-12
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (NV)

I had a XXXX loan and it has been passed through hands many times. At this point BSI Financial Services has my paper. There is an agent that has been recently assigned to my case and he sent out an independent contractor to put a padlock on my front door without any due process. I have a tenant in the home and he can not get inside. BSI financial services whom I have been in discussions will not return my calls and I have not been served any documents to substantiate their actions. I was in negotiations with BSI to arrange a cash for keys or a possible restructuring of my loan and they will not return my calls.
Consumer complaint received 2017-07-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: D. SCOTT CARRUTHERS (CA)

I received a loan for {$2600.00} from XXXX XXXX over 5 years ago which I defaulted on. They sold my account to XXXX XXXX which I had an arrangement set up to resolve my account in 2 payments in XX/XX/XXXX ( I have the email correspondence still ). Mountain Lion ( D Scott Caruthers ) starting contacting saying that I still owed on the XXXX XXXX account. They would harass me at work which resulted in me filing a formal complaint since I asked them multiple times to not call me at work. In XX/XX/XXXX, they started garnishing my wages. They have already taken over {$4600.00} from my paychecks to date. For a {$2600.00} loan ( which was resolved in XX/XX/XXXX ), I have paid back over {$7500.00}.
Consumer complaint received 2015-08-11
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC (ID)

Original Debt Collector XXXX XXXX XXXX signed a note with us for a reduced debt to be collected with the promise we pay back this debt monthly with no interest ( $ XXXX ). We 've paid this debt continually and on time for 3 yrs. until they sold the debt to Specialized Loan Servicing LLC ( SLS ). SLS claims they did not receive any paperwork of the reduced debt and are now trying to collect the whole sum. I 've sent them the note ( notarized ), I 've sent all my bank statements as proof of uninterrupted payments. THEY still do not believe me. I 'm exhausted with 7 months of this go around. They state XXXX will not communicate the debt to them. We are stuck in the middle. It is not our problem that XXXX sold them a debt that they did not confirm.
Consumer complaint received 2015-08-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime (UT)

DT XXXX XXXX ( DriveTime ) financed my XXXX Jeep Liberty from XX/XX/XXXX to XX/XX/XXXX after which I fully purchased the vehicle and have title in hand, has begun reporting this as a " Repossession '' negatively to all XXXX major credit reporting agencies - significantly degrading my credit score and reputation. This may even impact a pending career promotion. See case number : XXXX that references me purchasing the vehicle and their delay in providing me the title due to a new documentation system. I find this distressing that they continue to cause me inconvenience now bordering on harassment by reporting this as a Repossession. I can provide, both " Release of Lien '' and " State issued title '' without lien holders as proof of my position and claim.
Consumer complaint received 2015-08-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (NY)

BMW Financial first blocked payment by electronic means on my car loan XXXX XXXX that my son has been using XXXX earlier in 2015. I then sent 3 checks, 2 postdated, by mail to the designated XXXX XXXX XXXX XXXX. After a long duration of no information we received a thank you and acceptance of the payments. However all were attempted by BMW Financial to be cashed at the same time, well before the dates on the 2 postdated checks. They failed to clear. That ultimately led to repossession on XXXX XXXX, 2015 at my son 's place of residence in XXXX -- we are in XXXX. I sent an email to their message center on that date asking what would be needed to re-acquire the vehicle and allow my son to recover his personal items. I heard back on XXXX/XXXX/15 with information that did not answer the XXXX question. I called and was told that a decision would be made and heard the same by email on XXXX/XXXX/15. I emailed again on XXXX/XXXX/15 and again was told a decision would be made. Finally I called on XXXX/XXXX/15 and was told the amount to pay to recover. When I asked how long I had to pay the individual went offline for a bit and when she came back on said -- too late -- their practice was 10 days after recovery vehicle goes to auction so time expired on XXXX. My rights were thus denied by false and misleading information as well as deceptive practices of BMW accepting post dated checks and then attempting to cash them prior to the dates on the checks.
Consumer complaint received 2017-07-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (MD)

The XXXX XXXX XXXX, XXXX, at XXXX XXXX, XXXX, ME XXXX, telephone number ( XXXX ) XXXX claims that I owe them {$370.00} for medical services that I received at Doctor 's Hospital in XXXX, Maryland. They claim the service date was XX/XX/16. My name is XXXX XXXX XXXX, patient account number is # XXXX. The provider 's name is XXXX XXXX. Back on XX/XX/XXXX, I contacted their office and I explained that I have Veteran 's health insurance which is my primary health insurance and XXXX which is my secondary health insurance therefore ; they would need to send the claim to the right one! They stated that they would take me to court. Now, this is the only provider that is claiming that he has not been paid. To my knowledge this debt has been paid or the claim was not sent to the right health insurance. So, I just received yesterday a letter from Schlee & Stillman , LLC, Attorneys at Law, XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX. The telephone number XXXX. This company is claiming that they are the debt collections company trying to collect this alleged non paid debt. I contacted them yesterday by telephone to inform them of the matter and I was told I need to provide them with information over the telephone that I was not comfortable with providing. Moreover, the letter is dated XXXX XXXX XXXX, and it claims I only had 30 days to dispute the debt! But I just received the letter yesterday on XXXX XXXX XXXX. Therefore, this must be some type of scam or fraudulent company that I respectfully request that you use the law to arrest and prosecute them. If you need any additional information from me please let me know. Thank you
Consumer complaint received 2017-07-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC (TX)

I use Walmart 2 Walmart money transfer service to send money to my brother when needed. XXXX 2017 he called, asked me to send money which I did. Later that day he called to say that he could n't get the money & that I had to call a number. I called the number which was the compliance department, answered all their questions and was told that my brother was restricted from receiving the money and the gentleman refused to tell me why. After a lengthy conversation of trying to get an answer other than your brother is restricted, I asked for supervisor, I was told the same thing that my brother was restricted without any further explanation. Same day, I went back to Walmart got my money refunded and sent funds via XXXX ( no problem ). During the week, I called the compliance department, after a lengthy conversation and answering all of their questions, was told my brother was restricted. Called back & got someone on the phone, this time I asked if my brother could send a picture of his ID cards because someone was using the same name. We texted a picture of VA ID & his state ID card so they could have on file. Four times I 've tried and now in XXXX, it 's the same problem..no reason other than he 's restricted, maybe someone has same ID, too many people using the same last name, what will the money be used for and after talking with a supervisor my brother 's restricted and they 're investigating the matter.
Consumer complaint received 2017-07-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

COINBASE. company name trades XXXX. Transfer {$250.00} FROM MY CREDIT CARD to trade XXXX. Transferring to them and trade coins has no problem. But you ca n't take money back from them. Its blocked in all possible way. No customer support Im trying to reach for 2 weeks. No reply. Cant take my money back. They made process hard to get out. Verifying my wire bank is a one of them. I do n't understand how can I verify my wire bank? They do n't explain. They simply not answering. they have all wire info from my ( chase ) bank. Nothing more you need to accomplish this task. Looking at the complains online I found similar problems with lots of people, and Im wondering how in the world they still there scamming people? Please take some steps to investigate this fraud. thanks
Consumer complaint received 2017-07-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (VA)

My wife and i purchased a home that was originated through a local lender. We closed on said loan XXXX XXXX XXXX. Upon closing, we were advised to provide our 1st payment ( due XXXX XXXX XXXX ) to the originating lender. On XXXX XXXX, we provided the first payment to the lender, whereas by letter dated XXXX XXXX XXXX, we were advised the loan had been transferred to Freedom Mortgage ( " Freedom '' ). On XXXX XXXX XXXX, i received a call from Freedom that our payment was past due. I explained to the collector that the payment was made to the originating lender. I then called the originating lender who informed me the payment was not cashed by them yet sent directly to Freedom. I checked my bank records and the payment was negotiated with an endorsement to Freedom on XXXX XXXX. I called Freedom and notified them of same along with providing evidence the payment was negotiated by them. The Collector adamantly stated the payment was not made to Freedom. Once again, i informed the collector " ... your firm cashed the check and you have evidence of same ... '' The collector stated further research is needed. I asked if you have not applied my funds to the account, where did they go? No response, other than, they need to check. While on vacation last week ( XXXX XXXX XXXX ), i received another call from Freedom seeking to collect funds already provided to them. I advised them to not call me anymore and find my payment. During same call, we made the XXXX payment over the phone.
Consumer complaint received 2016-12-23
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (TX)

Consumer abusive practices by Citi AT & T Universal Card. 
Via phone call, requested Citi Bank AT & T Universal Card be cancelled. After phone call requesting cancellation of the card, received a new card, and continued to receive loan solicitations from Citi AT & T Universal Card. On XX/XX/2016, once again requested that card be cancelled. 

XXXX XXXX