davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-09
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (TX)

my situation is rather strane but i have been a victim of identity theft someone was able to get my account information and use some type of replica card to withdraw funds out of my account from atm machine in the city of round rock and XXXX, Texas i have made multiple police reports signed affidavits, sent revital letters and also verification that i was a work the time this incident occured was XXXX. central time and i was at work in XXXX, Texas the person ( s ) were able to draft over {$1400.00} dollars out of my account .i have gotten nowhere with this institution because they are not doing a proper investigation on there end everything they have asked me to sumbit has been given to them they told me funds will be avail to me XXXX/XXXX/XXXX i was waiting for that day just to just call and be told my case was declined bc it was a atm transaction which i told them originally and they also knew and was able to stop and refund XXXX draft ... since this incident i have yet to recive anything in writing on top of all of this madness i have been a custimer since XX/XX/XXXX and have had my direct deposit setup i have now reopened the claim and waiting XXXX. This company is horrible they over talk me everytime i call and this issue seems to just keep going in circles my nxt steps will be legal action if i cant get the to give me my money back.
Consumer complaint received 2016-11-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was in a car accident XX/XX/2012. I was with XXXX XXXX XXXX insurance at the time. I sent all bills to them, and they missed paying an {$880.00} ambulance bill. A year later, I began getting collections calls so I called the insurance company. They acknowledged missing the bill and agreed to take care of it. I checked my credit report today and the collections is still on my report for {$440.00} - the insurance company only paid {$430.00} and did not pay the remaining {$440.00}. This collections is now damaging my credit report even though I was not responsible for that bill. I never received a collections call or bill for the remaining {$440.00}, otherwise I would have called the insurance company and demanded they pay again. Without a bill or phone call, I never even knew I had {$440.00} in collections due to this insurance issue. My credit score is significantly lower than it should be because of this collection.
Consumer complaint received 2017-01-08
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: TD BANK US HOLDING COMPANY (IL)

My complaint is against Target Redcard credit card. I recently received a letter from them that they have lowered my credit limit because I was not paying it off fast enough and have balances on other cards, even though I make my payments on time every month. For months, they kept upping my credit limit, which I never asked for and as a result of this, there were hard inquiries on my credit rating from them which hurt my credit scores and now they want to lower my limit after they are part of the reason my credit scores have gone down? I find this unfair. I never asked for them to keep upping my limit and was not aware that their inquiries were hurting my credit. I plan to pay off this credit card and never use it again. I feel that they contributed to my credit score being lowered by these inquiries. There are also many other complaints about this card online and believe they should be looked into for this.
Consumer complaint received 2016-10-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My bank will not cancel my PMI on a 30 year conventional loan despite a proper request. I first requested it be cancelled several years ago and I understood I had to have 20 % equity. We paid about {$500.00} for an appraisal and it was around the 20 % equity threshold. We received a letter rejecting our request from the bank stating we needed 25 % equity. Where did this arbitrary threshold come from? We had no known recourse. 

Second, I recently again requested PMI be cancelled. We paid about {$500.00} for a 2nd appraisal and this time we clearly have at least 20 % equity. However, in the interim, and for the first time ever in the almost 10 years I 've had this loan, we accidently paid the mortgage 1 day late. Let me explain - my daughter was very ill and we were focused on that and did n't pay on time. I realized the error on the last day of the month ( payment is late if it is not paid by the end of the month due ) and called the mortgage company to explain what happened and went online and paid that day when it was still timely. However, it was already in the evening and the payment could not be processed until the following day, making the payment 1 day late. Based on paying 1 day late we now have to wait an entire year before we can again request PMI can be cancelled so that we have a year of on time payments. I called the bank and asked them to reconsider as a courtesy and explained it was a one-time error due to extreme family circumstances ; I posted a payment timely, called to explain the situation and explained the situation online, but the payment did n't process until the following day. They declined and are still requiring we continue to pay PMI. 

Through paying for 2 appraisals and the continued cost of the PMI for at least another year, we are out about {$2200.00}.
Consumer complaint received 2016-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I file a police report supporting my claim on fraudulent accounts that are reporting negatively on my credit report, that I did not apply for nor did I authorized someone to use my personal information to obtain credit. I lost my wallet with my personal info, and to my knowledge someone has been using that information to obtain credit and write bad checks.
Consumer complaint received 2017-01-09
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK (PA)

I am very disappointed the way Discover handled my dispute. They sent me a letter dated XX/XX/2016 stating that regarding my charge of {$5100.00} from XXXX a company that contacted me by an unsolicited telemarketing phone call, promising online business related. They never provided me the services that I paid for. They scammed me out of {$5100.00}. So Discover stated at the letter that they have no record of me disputing this charge in the past. But as as of XX/XX/2016, they were initiating a dispute investigation and sent me a notification informing me of the temporary credit to my account for the disputed amount of {$5100.00} and notified the merchant of this situation. They explained that if the merchant provides documentation that shows the charge is valid, they will remove the temporary credit and notify me with a copy of the information provided from the merchant and that this process typically takes less than sixty days. 
Then I received my statement from XX/XX/XXXX till close date XX/XX/2016 and they put the {$5100.00} charge back in there. I do n't understand why? Less than a month after they started the dispute and no letter explaining why they removed the temporary credit or if the merchant replied or not. They did not give me the chance. So I would like them to reopen the investigation since nothing was done and they did not comply with the disputing steps.
Consumer complaint received 2017-01-09
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (TX)

I worked with a lender from prime lending and everything was going wonderfully until about 2 week before closing. I had not heard from her in quite some time when one day, about 3 days before our closing should have been, she called and " made me promise not to get upset '' she went on to tell me that my FHA loan had been denied, after previously switching from conventional due to debt-to-income-ratio issues. So, she asked if I had any more money to give to help us go back to conventional. I said no. Flat out no. I had saved {$11000.00} to someday use to purchase a house. I knew fully well that ALL of my savings would be going into my house, and my realtor and lender both knew this. She later called back and stated that she had already put my husband on the loan, EVEN though I was never asked if this was ok. Apparently her supervisor told her to include him because of his credit. Well, this then made it to where all his finances would be legally necessary to use for the house. To get us to 5 % down, we would need {$3500.00} of my husbands {$5000.00} in savings. That would mean that to by our new home would be financially crippling ourselves ; draining my entire savings, and 70 % of my husbands. This was not ok, considering my husband had just quit his job and had ZERO income. Another fact my lender knew. It was never my decision. Our lender took complete advantage of us. AND this was after she had to award us hundreds of dollars in waived fees to make the loan go through. It was clear that we were not a priority, we were a paycheck. Now my husband and I are still trying to make ends meet with no money to fall back on, because of a decision that was made for us.
Consumer complaint received 2016-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pinnacle Credit Services, LLC (NY)

Pinnacle Credit Services ( XXXX XXXX XXXX, XXXX, MN XXXX ) mailed me a XXXX ( Cancellation of Debt ) stating that they are discharging a debt of {$5400.00}. They are collecting for XXXX from when I lived in Virginia over 12 years ago. The original debt of between $ XXXX {$200.00} was paid at that time. I have not even heard from the collection agency in ages. The amount of {$5400.00} is also ludicrous, and they know that I ca n't look in my records for proof that the bill was paid 12 years ago. I read online that Pinnacle Credit has a history of using fraudulent tactics like these to collect debts.
Consumer complaint received 2016-12-12
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Holloway Credit Solutions (AL)

I went in XXXX of 2015, to XXXX XXXX located at XXXX XXXX XXXX. XXXX, AL. XXXX due to some XXXX. XXXX XXXX XXXX suggested that I needed a procedure, so that they could determine what was going on. It was a non-invasive procedure. My mother and I met with the person who handles insurance at XXXX XXXX and she reassured us that XXXX XXXX XXXX XXXX would cover the charges for this procedure. She actually called the insurance company just to be one hundred percent certain. The only thing that we would have to pay would be the co-pay. The procedure was done at XXXX XXXX XXXX XXXX XXXX. by XXXX XXXX. 
However, soon after the procedure ; I received bill for approximately {$600.00}. I called XXXX XXXX XXXX XXXX and they said that the procedure was not covered under my insurance XXXX XXXX XXXX. It is now reporting with the debt collections agency Holloway Credit Solutions, XXXX. XXXX XXXX XXXX. # XXXX XXXX, AL. XXXX. 
I recently called XXXX XXXX XXXX XXXX and they stated that due to XXXX XXXX reporting me as ( XXXX ) which in medical terms mean that the patient has a lot of medical issues. I was XXXX XXXX XXXX at the time of the procedure, and had never had any other medical problems. He used the most expensive XXXX that 's only used for high risk patients based on the information given by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX also stated that they would have covered the charges if doctor XXXX would have not put me as a high risk patient. They also said that he either did it as a way to get more money, or the fact that I 'm XXXX XXXX which is ( racial bias ). 
They said that he he did n't have to put me fully under for this procedure due to me not having any previous medical conditions. That is the reason why I was left with a balance.
Consumer complaint received 2016-11-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

On XXXX/XXXX/16, Nissan Finance called my home 13 times from an unidentified phone number. They did not leave any voicemails. At XXXX on XXXX/XXXX/16, I received another call from this phone number. My XXXX XXXX XXXX daughter answered the phone. The caller refused to tell her his name. He told her not to worry about and put her mother on the phone. When I got on the phone, he refused to tell me his name or the name of his company. He just kept demanding that I put XXXX XXXX ( me ) on the phone. He was n't even sure of the correct spelling of my name. I had no idea who he was and there was no way that I was verifying any information to this man and that is exactly what I told him. He proceeded to yell and scream at me, so I hung up on him. He called me back 11 times. I refused to answer the phone. I then called the number back from a different phone only to find out that it was Nissan Finance. I went through the prompts to get to their billing department and the same man answered the phone. He verified that he was the man that just called my home. I told him under no circumstances was he to call my home again. Not only did he yell at me again, but this time he decided to threaten me as well. I hung up on him once again and blocked the phone number. All of this because my auto payment was overdue. The payment was issued first thing this morning. He would have known that had he talked to like a human being. This is not the first time I 've had problems with their billing department making harassing and threatening phone calls. They called and harassed me at work over a payment that was only 3 days late. I never gave them permission to contact me at work. This kind of behavior is absolutely unacceptable and something needs to be done.
Consumer complaint received 2016-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My complaint is against Trans Union credit agency, I 've disputed this company three times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/2016 ) regarding the same issue. Each dispute has been open longer than 30 days with no solution and no resolve. I have spoken to numerous supervisors including a XXXX XXXX. Trans Union is keeping an open, active status on an account that has been PAID. XXXX Balance, and closed. They refuse to investigate the matter and upgrade their records. The company that held the Collection is called XXXX. I have receipt of it being a Closed Collection. Trans Union has been difficult and negligent in this situation. I 'm am currently shopping around for personal loans and banks are questing me about the XXXX collection that has n't been closed out. Even on XXXX its reporting a open collection which is bring down my score.
Consumer complaint received 2016-07-06
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Northstar Location Services, LLC (CA)

I spoke with XXXX at NorthStar Location Services. I requested on XXXX XXXX via recorded phone call that all debt file documentation be sent to me for verification. he confirmed it would take one week. 

Two weeks had passed. I then sent a follow up email to the email listed below and received no response. I sent another today and still have received no response. 

I feel as if they are misleading me and possibly trying to avoid me by violating my consumer rights. Please advise as to how I can resolve this. Thank you kindly. 


NORTHSTAR LOCATION SERVICES , LLC XXXX XXXX XXXX, XXXX, NY XXXX XXXX - facsimile XXXXXXXXXXXX Check Us Out! XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2016-11-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION (NJ)

Navy Federal CU from XX/XX/2015 through now continues to take the stance that my checking account was ovedrawn by {$4000.00} as a result of returned ach deposits. This is 100 % not true. I have the documentation as well as statements from the other bank ( s ) involved that substantiate this. In addition, the issue was further exasperated by the fact that they blocked internet access to my account which meant I could not monitor the situation as it developed and that I did n't know that they cancelled my mortgage payment. 
In a prior response from NFCU they reference XXXX ach w/d. There were XXXX. Nonetheless, the issue comes down to this- Over the course of several months, I initiated XXXX ach payments, and I have proof that XXXX were paid from the other institutions. After diligent and painstaking research on my part, I have come to understand how NFCU made the mistake. When I made the payment on NF website, they would credit my account for it. If the other institutions said after that the payment was no good, they would remove that from my NF account which makes total sense. In several cases, the othe bank would retry the payment ( that originally was reported as no good to NF ) and successfully complete the transfer. When that happened it would be taken out of my other bank account yet NF would never give me credit in my account for that amount. Again, I did not realize this for quite some time since i was not able to log into the account. I assumed I was getting proper credit. 
To illustrate what I mean, please consider the following example- I have a balance in my NF account of {$2000.00}. I make a deposit on NF website for {$1000.00}. They credit me and my balance becomes {$3000.00}. A day or so later the other bank where the ach was being pulled from tells NF that the payment was not succesfull so NF takes that {$1000.00} from my balance and it goes back to {$2000.00}. Several times however, the other bank tried to send the money again to NF ( same request that they denied before ) and it was succesfull. In that case, Navy should credit my account back the {$1000.00} but they did n't for whatever reason. The net result my NF account was never credited back {$4000.00} from payments that were initially denied but then paid. Further, the was blocked and a mortgage payment cancelled unbeknownst to me.
Consumer complaint received 2016-05-14
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I have called and talked to the company I am seeking asking for a detailed statement for the past 3 months of the account before it went into collection so that I can verify how a XXXX credit limit credit card became {$1100.00} the agency has refused to go back 3 months or take a settlement offer of XXXX and the least they would go is XXXX. I would like detailed statements of how fees or interest were accrued and verify last purchases before collection
Consumer complaint received 2016-11-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Bridgecrest Acceptance Corporation (FL)

I received a " notice of default right to cure '' letter on XX/XX/2016 threatening me and demanding payment by the XXXX or further action may take place. The funny thing about this letter is that it 's dated on XX/XX/2016 but it says that I 'm past due on my XX/XX/2016 payment. I 'm not a lawyer but I 'm sure that you 're not supposed to send a notice of default if a person is not in default right? Another funny thing about this letter is that it showed up 3 days after I filed my other complaint against this company on XX/XX/2016. It 's strange how this threatening letter just popped up. I really regret that I ever did business with this company and took out an auto loan. It has really turned out to be a decision I deeply regret. I really want this contract cancelled and I want to be done with them.
Consumer complaint received 2016-08-10
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cooling & Winter LLC (GA)

I have a judgement against me that was originally litigated by XXXX XXXX XXXX XXXX XXXX in 2011. The judgement on my credit report is for {$1200.00}. They are telling me I have over {$800.00} in court costs, and over {$200.00} in interest. The credit card was originally for {$750.00}. Even with 7 % interest, that would be the around {$1200.00}, not to mention if I had court costs that would have been awarded in the settlement amount to be paid. They are trying to charge me DOUBLE what my credit report states and the courts state that I owe. I feel this is a misrepresentation, and misleading practice and violation of FDCPA. There is no {$800.00} court cost, get real Cooling & Winter!
Consumer complaint received 2016-07-06
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (VA)

I am a XXXX Veteran whose down on his luck, I am unemployed, I 'm in the arrears 10 months, and I am extremely frustrated with SLS my mortgage company. I applied for assistance back in XXXX XXXX when the loan was with XXXX, I checked the box, to keep my house, SLS picked the loan up in XXXX XXXX, and I still have not had a reply on my plethora of applications for assistance. I 've done everything they 've asked me to do in some cases twice ; I 'm at my wits end. My relationship manager has changed 3 times, XXXX is the latest, and sadly every time I call I get several prompts, only to hear a recording saying XXXX is not here today. I have left my phone # several times for a call back, the outgoing message indicates I will receive a call back within 24 hours and it never happens. I 'm having trouble sleeping at night, not knowing what is going on their end. I filed for assistances over 7 months ago, and after sending me endless letters asking for this form and that form, which I send everytime, but still no reply on what assistance program I qualify for. This is extremely upsetting to me, I want to stay in my home I 've lived in for over 17 years, I have gone XXXX, so that I can find a job, sadly I lost my job back in XXXX to no fault of my own, and I have cooperated fully, I 'm looking for a job. I 'm doing everything in my power to keep my house and get back on my feet.
Consumer complaint received 2017-03-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Commonwealth Financial Systems, Inc. (WI)

Have called many times..explained to them that the person they are looking for is not at my number..they keep calling and yesterday,XX/XX/XXXX, left threatening message for that person. Called them back to again request that they remove my number and if not I would contact you. They called right back and stated that they 'll continue to call regardless of what I wanted..I 've had enough of this.
Consumer complaint received 2016-05-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (GA)

There was a check that was deposited on XX/XX/2016 that I did not know was fraudulent. Wells Fargo decided to close my account on the XXXX/XXXX/16 without even a phone call or an email concerning the matter. It took me going to a branch ( which is an hour away from me ) to find out that the account was being closed on XXXX/XXXX/16. The banker XXXX ( XXXX XXXX XXXX ) informed me that once it is sent that there is nothing that can be done on their end. This was something that has never happened before and for them to just close my account without even hearing my side of it is completely absurd to me.