davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-12
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY (NJ)

I made a purchase of {$33.00} on XXXX/XXXX/2015 at Target Stores.I did not know that I signed up online statement only. Usually. I do mailing statement for all my credit cards. This is a better way for me to follow up the payments. For this Target bill, I simply forgot to pay even though I got an email from the store because I get a lot of emails from all the department stores. I thought all of them are for advertising, therefore I ignored them. 
I know I have to pay some fees and interest, but I do not agree that I have to pay {$95.00} late fees for {$33.00} purchase even though it was XXXX days late. The late fees are almost three times of the purchase. This is definitely not fair to penalize me with a huge fee.
Consumer complaint received 2016-01-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (MD)

I opened an account with Suntrust Bank and less than a month later they closed my account and froze access to the funds without warning. No one is able to give me an answer after talking to multiple agents. First I was told I would receive a letter in 7 - 10 business days along with a check for any funds that were in my account. They froze access to my account on XXXX XXXX and my first direct deposit to this account was scheduled for XXXX XXXX. I was told they received my direct deposit and it is being stored in a warehouse. I called back today on XXXX XXXX because I 've received nothing from the bank. I was told they did not close out my account till XXXX XXXX and it will take 7 - 10 business days from that date to receive any funds in my account. Please help me get my money back.
Consumer complaint received 2015-09-11
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BofA Closed my credit cards account. They recently gave me an increase on XXXX from XXXX to XXXX on one of my credit cards and on XXXX closed my account out. I 've never been late and have always paid more than the minimum amount. I think that the Credit Card Act should be reform. It 's not fair to consumers that a credit card company can just make a business decision to close your account and it impacts your credit report. I 'm not the only person affected by this, multiple lending companies are doing this. We the consumers are impacted by are credit. If you 're paying all your bills on time and have a good credit behavior. Instead of them closing your accounts they should just decrease your limit.
Consumer complaint received 2015-09-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (TN)

This debt was done XX/XX/XXXX, on or about XX/XX/XXXX I was contacted by XXXX about the account that was delinquent via a letter. I contacted the office and send in to then the documents that I did not have an account with them that I was with XXXX wireless. The company at that time stated that my name was used to open an account, I at that time requested that information used to verified my identity and was not giving any documents. Later in XX/XX/XXXX XXXX sold the account to a collection agency, I also send to them the a copy of the police report with the identity theft information the credit company at that time removed this information from the record. I recently order a copy of the credit record and there is information there from this company EOS, collection. This company as recent as XXXX purchased this account and is reporting information that is false and incorrect. The company has very wrongful information on the record. Information that is relative important in order to properly identified me. Such as the DOB, Mailing address, when I request this information from them they refuse to provided me with the request. I have requested that they send me the documents used to obtain this account, name used, dob, and address. also prove that I owed this money XXXX. I have not yet received any information, instead I have been receiving phone call since know they have my phone number. I have contacted XXXX and there is no record of such account number, nor there are any records of any phone call ever made. There are no bills. So I ask why is this collection agency harassing me for monies that I do not owed..
Consumer complaint received 2015-09-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (AZ)

An account that I cosigned on XX/XX/XXXX was paid in full and had been paid in full in XXXX and closed in XXXX showed up my equifax report in XXXX. I submitted a complaint in XXXX stating that the account was closed almost 11 years ago and they needed to remove this. XX/XX/XXXX this account was reported that it was derogatory and we filed a dispute and XXXX sent us a letter telling the credit bureaus not to report it any more. We asked that it be removed the credit bureau investigated and their investigation showed we did have that account and so they would n't remove it. They stated it would stay on our records for 10 years from XXXX. We never disputed the fact that it was n't an account we cosigned on in fact I stated that in my explanation of the complaint. we were disputing the fact that it had been over 10 years since the account was closed that that far exceeded the 7 year reporting limitations on the account. When we had the problems XX/XX/XXXX with the reporting of this account as derogatory, XXXX sent letters to my husband and me verifying the accounts were closed in good standing with no deliquencies and the credit bureaus were to not report this account. Now how does the credit bureau think they have the right to report this account for ten years from the time we disputed it and they ignored the time the account can be reported by law and now they want to keep it on file another ten years
Consumer complaint received 2015-09-11
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SQUARETWO FINANCIAL CORPORATION (CA)

None of the above describes my issue, so I simply chose " Talked to a third party about my debt '', however I did indeed have to speak with XXXX different companies in this process. XXXX, Square Two Financial, and Cach llc. 

My complaint is their violation of the terms of our contract. A written contract as well as specifics written on the check were sent to the company via certified mail. The contract explicitly stated that cashing my check was an agreement to delete the account from all three credit bureaus, or as many as are reported to for this account. Also noted was that if that was not acceptable, they should return my check. The check was cashed, however, the reporting has continued. I have all the documentation, including a copy of my check and the contract as well as the certified mail reciept from USPS. 
When I spoke to them they explained that they did not even take the time to review and had apparently lost record of this. Not only did they violate the terms, but their negligence seemed to them, apparently, to be reason enough for the violation.
Consumer complaint received 2015-09-12
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I had a Capital One credit card account which was paid off around XXXX 2014. I recently contacted Capital one credit department and they send me a letter stating that my account was paid off in full. Today I received a court summary stating I'am being sued by Capital One for around {$1700.00}
Consumer complaint received 2015-09-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (FL)

I have been trying to get a modification for my home " primary residence '' for over a year now. I send the documents that the servicer " SELENE FINANCE '' requests, but they continue to ask for the same documents on a repeated bases, nothing seams to move in the direction of a modification. I was told that the file would go to underwriting, but then they say that more documents are needed, and then they ask for the same documents. I have a foreclosure sale date scheduled for XXXX XXXX 2015.
Consumer complaint received 2015-09-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Credit Central Holdings, LLC (AL)

Credit central in XXXX AL came to my tailor with a letter demanding I call a woman at the company named XXXX XXXX I called From my cell phone I blocked my number witch they got the next day illegally and called me.. I only owed them XXXX dollars.. The lady XXXX treated to sue my girlfriend s camper trailer we live in and she tweeted to take my girlfriends XXXX car.. My girlfriend did n't get the loan did n't sign any papers my girlfriends been living with me for a year and a half but she is still legally married to someone else in another state so we are not common law married.. Me and my girlfriend and both XXXX.. XXXX said harrying me we should n't me living in a camper if we make XXXX a month.. XXXX said she talked to our landlords we rent our lot we park our travel trailer on and XXXX said our landlords said we were always XXXX on our rent. 
.more harassment.. XXXX said my family told yet I was playing a game borrowing money from every body in town.. A lie my family did n't I just got in XXXX bad situation.. It us clear she phone harassed me I 'm XXXX with a severe mental illness I giving you the facts the phone records can be checked.. Between my number one time calling credit central ..I was criminally harassed my harassment had nothing to do with the debt it was criminal harassment. By XXXX at credit central in XXXX AlI give you my word ... I would have paid the money back I got in a bind taking care of my XXXX girlfriend fiancee
Consumer complaint received 2020-04-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (GA)

Hello my name is XXXX XXXX and Im so drained from trying to understand why Wells Fargo is not taking responsibility for the fact that they caused me to apply for Chapter XXXX and also having collateral coverage on XXXX XXXX XXXX when my coverage lapsed on XX/XX/XXXX. I had an accident where CPI was included on my loan # XXXX. I spoke to XXXX XXXX XXXX # XXXX Claim # XXXX Who states that the vehicle must be present for inspection. However at that time I had no clue of the CPI so I didnt know that the CPI should have covered the damages that was included on my loan that I was paying for. I needed up paying for the damages and the vehicle PER THE POLICE REPORT, was serious damages and airbags XXXX!!! At that time THE VEHICLE WAS A TOTAL LOSS!!!! Also, I feel that WELLS FARGO IS IGNORING MY CLAIM BECAUSE I AM XXXX!!! I have witnessed this is familiar behavior for Wells Fargo. There are many claims relating to my situation in their discriminatory behavior. They keep coming up with two or three hundred dollars every few months claiming the last check I received is all that is owed and that is the end of it. Whenever I make a new complaint they find a few more hundred and Im taking this to SUPERIOR COURT!!! I CAN SUPPORT MY CASE VERY WELL OF THEM DEMONSTRATING UNFAIR LENDING PRACTICES AND DISCRIMINATION BEHAVIOR!! IGNORING THE COVERAGE OF THE VEHICLE DAMAGES THE CPI SHOULD HAVE COVERED. I am not claiming the coverage is for personal coverage but it in FACT COVERED THEIR ASSETS! The XXXX XXXX XXXX! Im not going to play anymore games with Wells Fargo because this is their behavior to XXXX people. Im sure I can gather a lot of other people through social media who feels that same way!!
Consumer complaint received 2015-09-12
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: JH Portfolio Debt Equities, LLC (PA)

To whom it may concern : This is to let you know that I requested JH Portfolio Debt Equities LLC on XXXX 2014 to cease all collections activities since the debt in question is time barred and is no longer collectible or enforceable ( see attached ). 

The initial date of default on this debt XXXX original creditor : XXXX XXXX was over XXXX years ago. I have never acknowledged this debt, or made any promise to pay. This debt is past the statute of limitations in all states, including Pennsylvania. 

JH Portfolio Debt Equities has violated provisions of the FDCPA by implying that the legal status of the debt is collectible ; specifically, by reporting the debt to credit bureaus ( see attached XXXX print out ). The specific provision violated is : XXXX 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debtand ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

I would like to solicit your help and expertise in dealing with this matter, as this company may be exploiting law-abiding citizens XXXX of Pennsylvania. 

My ideal outcome would be : a ) proof from JH Portfolio Debt Equities that this debt is enforceable - if at all it is. This includes all prior monthly statements and payment records on this account. 

b XXXX confirmation from JH Portfolio Debt Equities that they have requested the immediate removal of these records from my credit reports XXXX XXXX XXXX. 

c ) under the FCRA and FDCPA, each violation is subject to a {$1000.00} fine payable to me.
Consumer complaint received 2015-09-11
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (FL)

I currently have XXXX XXXX XXXX XXXX private loans with Navient totaling {$92000.00} with interest rates of 14.25 % on XXXX and 9.75 % on the others. Earlier this year I was unemployed and reached out to Navient multiple times about the fact that I had no income and was unable to pay the current amount due each month ( approximately {$1300.00} XXXX. Multiple times I was told by their staff that I could pay {$150.00} as a deferment and would be brought current from three months delinquent. I paid this fee multiple times believing that it would allow me to be able to stay current while I caught up financially. I later found out, in XXXX of this year, that I had been lied to by the company and was continually only bringing myself 1 month current and not completely removing my delinquency and currently owed two XXXX 2 XXXX months worth of payments. Since then I have continually tried to negotiate with Navient about multiple options including loan consolidation, interest rate reduction and repayment period extension, all of which have fallen on deaf ears. I was denied a temporary rate reduction application due to both my cosigner and I together having enough income to cover the normal monthly rate of the loan according to Navient 's standards XXXX which they will, surprisingly, not disclose ). Their options are only " pay now '' or " pay now ''. At this point I am four months delinquent and they are demanding over {$6000.00} from me and still refuse to negotiate. I want to be able to pay this debt but the terms that they are providing are unfeasible for me as it would leave me with literally zero income. As it stands right now my current monthly income is less than what I owe from delinquency. My father is cosigned on the loans but as they have recently purchased a new home after moving across the country, they are in no position financially to provide me aid and I have no one else I can rely on for financial assistance. Navient keeps insisting they will only negotiate with me if the cosigner is present for the conversation as well when XXXX of the terms I have been requesting is removal of the cosigner. What they seem to lack the capability of understanding is that the only reason I have a cosigner in the first place is because at the time of loan application I had no credit history and would not have been approved so I essentially had my arm twisted into obtaining a cosigner or risk not being able to attend school. I have been continually seeking other options including consolidation loans from outside lenders but as the delinquency has severely damaged my credit I am extremely concerned that my only recourse is to attempt to discharge the loans in bankruptcy citing undue financial hardship, but not even that is a guarantee.
Consumer complaint received 2015-09-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

I have disputed with XXXX several times and they continue to verify the info that is incorrect on my credit file with Experian and that of my husband 's XXXX XXXX. We filed a complaint XXXX because the account was reporting incorrectly for months. The same info we sent Experian. XXXX verified as correct several times. At this point I want the " DISCHARGE IN BANKUPTCY '' removed from my credit file account XXXXThe other account XXXX # was reaged had a repo in violation of the stay. Lates while under Chapter XXXX Stay and Discharge etc. For both XXXX and myself on the Joint account. XXXX is asking for 60 days to fix all errors they verified previously as correct. Under the FCRA the account now should be deleted DELETE ACC # XXXX from our credit reports. Attach is evidence that the dispute was initially filed over 30 days ago for XXXX and XXXX continued to verify info that was incorrect. and bar from re-insertion.
Consumer complaint received 2015-09-11
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (MI)

On XXXX/XXXX/2015 at XXXX I withdrew {$240.00} out of my checking account. the AtM receipt said that I had {$1.00} available in my account the next morning at XXXX I recieved a email stating that my account was overdrawn on XXXX/XXXX/2015. I called the telephone banking center at around XXXX XXXX/XXXX/15 and spoke with a customer service rep. she could not give me a reason, as to why my bank account was overdrawn except that I had withdrew the money out. She told me to take my receipt when I had some time, into a branch so they could look over and explain what happen and reverse the fees. On XXXX/XXXX/2015 I stop in the branch close to my home. I explain to the teller what had happened and showed the the receipt to the teller, so the they could see the mistake was on their end and they need to reverse the fees. the teller told me she need to get an approval from a supervisor, she came back and introduce me to XXXX XXXX XXXX Branch Manager who look over my entire account and notice that PNC had to reverse fees in the past for mistakes on their end or just over charging in fees not more than a month prior XXXX for a overdraft of XXXX he then told me he was not going to reverse the fees because the system does n't always reflect the correct amount that 's in your account and that I should have keep a written log of my spending. I showed him the receipt again and ask " so I 'm not suppose to trust what your receipt printed out of your machine I should have kept better bookkeeping and this is my mistake ''? I asked for the printout and who was his supervisor he told me " no one could change his decision '', I replied " are you trying to be difficult, I just asked for your supervisor number ''. He then wrote on the back of his business card XXXX XXXX name and number I put my items back in my purse and left the branch without any resolution.
Consumer complaint received 2015-09-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

To Whom It May Concern, I have been dealing with my mortgage servicer for the past three years or so in hopes of discovering who the actual holder or beneficiary of my mortgage loan. To date, I have not been successful. I do not believe that PennyMac has been truthful with me and I do not believe they have a legal or proper interest or claim in my property as they have alleged. Over the past month, I realized that my loan transaction was never consummated pursuant to the laws of California due to the fact that my lender, the true source of funds for my loan, was never disclosed to me. Because my loan was never consummated, I understood that I could exercise my rescission rights. On XXXX XXXX, 2015, I faxed and mailed a letter of rescission to PennyMac. PennyMac acknowledged receipt of my letter but has failed to comply with the Federal Truth In Lending Act. Under the Act, if PennyMac wanted to challenge my rescission, they had to have filed a lawsuit within 20 days after receiving my letter of rescission. PennyMac received my letter of rescission on XXXX XXXX, 2015. The twenty day period has long passed and PennyMac has failed to either a file a complaint or comply with the Act. I am filing this complaint because they repeatedly choose to ignore and adhere to state and federal law and I believe they need to face some kind of disciplinary action and to comply with federal and state laws. If nothing is done, I believe they will continue to do what they want and not what the laws states they must do.
Consumer complaint received 2016-01-01
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

Over the years I was taken to court on a old credit card debt 7 times! And 7 times it was thrown out of court being the debt collectors never showed up! But he did on the 8th time, years later. 
I was garnished at XXXX % on XXXX/XXXX/XXXX for {$12000.00} As of XXXX/XXXX/XXXX I 've paid XXXX and was wondering why the garnishment did n't stop. After getting a hold of the Court house they told me my balance was {$0.00} and some times it takes a few weeks to stop the garnishment, then, supposedly they pay you back what was overpaid. 
Now I called Portfolio Recovery Assets & they would n't tell me anything, not even how much was left or the original balance. 
Told me to have my lawyer call their lawyer, which I did and it cost me another {$400.00} to get my old lawyer back on retainer. He found out they somehow tacked on another {$6800.00} as interest and court fees! 
As of XXXX/XXXX/XXXX I 've paid {$6700.00} making me owe {$81.00} Now I just got paid today and they still took 25 % out close to {$250.00} again.I believe I 've paid close to $ XXXX-XXXX more than I should 've and need this fixed, I can barely survive.Satisfaction of Judgement has clearly been met, yet they still continue to steal my money and harass me. I 've got the Case number, the lawyers numbers, documentation of what I paid but NO documentation of the TOTAL FULL Debt and they just keep taking. Portfolio sued me through XXXX XXXX XXXX XXXX. I need help and am broke, they have taken nearly {$21000.00} on a $ XXXX debt! Help!!