davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-07
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Upstate Collection Center, Inc. (NY)

In early 2016 I contacted Upstate Collection Center for an amount due on an account I had with the bank. The bank told me they sold the account to them. I spoke to a lady named XXXX XXXX who was in charge of the account. I informed her that I wanted to settle the account and if they would take {$1500.00} to settle. She told me call me tomorrow and I will see if the bank will take that amount, which I found weird because the bank told me that they sold the account to them. When I called her the next day she said we can settle for XXXX that is what the bank is asking for. I told her ok let me see if I can get the rest. The car in question got into an accident and was total. I went to the bank reported the incident and they advised me to call upstate collection center pay the amount we agreed upon to get the lien off the car. I called XXXX XXXX and asked her if the settlement amount was still the same XXXX, she responded yes so I told her that a gentleman named XXXX was going to call her on Friday and pay the XXXX. She stated fine not a problem. On Wednesday the insurance company called to resolve the issue and another lady answered the phone and stated that I was being billed the full amount because I did not tell her that the car was total. I said your just the collection agency collecting a debt, not the bank, the bank is the lien holder not them. I asked to speak to XXXX XXXX and she refused. I told her that we made a settlement agreement and the insurance company was going to pay them and she stated well since they are paying this is the way it is we are charging them the full amount. I told her 4 days ago I was paying and it was XXXX, her response was too bad that 's how it is like it or not. If you want the lien off you have to pay the full amount. This whole conversation taking place while XXXX was on the phone, they were shocked, I was shocked and beside myself. XXXX decided to put the account on hold until they come to terms with the agreement.
Consumer complaint received 2017-01-27
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: U.S. BANCORP (NJ)

After paying off my boat loan with US Bank, they sent the title to the bank XXXX where the check was drawn from and not to me. 
Upon calling to find out where my title was I was told by their account rep ( XXXX ) that they were sorry and a new title would be ordered and sent to my address. A month later I called and spoke with ( XXXX ) who informed me that XXXX never ordered a new title and that it could not be ordered. 
I then spoke to a supervisor ( XXXX XXXX ) who stated they were sorry and I should go to the DMV with the lien release and obtain a new title through them. XXXX XXXX was unaware that I would have to pay for a new title through DMV and again all she could say was sorry. She also stated contrary to the second rep I spoke with that a duplicate title was sent to my address yet I received nothing in the mail. 
I received the new title at the DMV at a cost of {$60.00} payable by me and when calling XXXX XXXX back she has routed my home phone which is associated with the account to a general mail box, yet when I call from my cell I can get through to her voice mail. I 've left 3 messages ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and she wo n't return my calls to find out how I get reimbursed for their mistake. After much frustration I call XXXX ( Regional Supervisor ) and left a detailed message for her on XX/XX/XXXX and as of today XX/XX/XXXX I have not received a call back. The new title cost {$60.00}
Consumer complaint received 2021-04-13
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Tiptree Financial Inc. (CA)

The mortgage originator repeatedly asked for us to falsify information on official documenst, and also for our CPA to blatantly lie on official documents. 
He was replaced with another partner in the company, and we are being told that our loan approval is contingent on the release of our daughter 's medical history - an obvious HIPAA violation. She was adopted from XXXX XXXX, and the mortgage company is including the XXXX XXXX XXXX payments as part of our income. They have received every page of every form they have asked for, but with her medical history retracted from the form. They tell us that releasing this information to underwriting is the only way they can approve us for a mortgage. 
This is all after months of working with this company, and being told all along that we were already approved for the loan. Now our home has already been sold, and we are in escrow on a new home. They are delaying the process unnecessarily, which could ultimately cause us to lose our bid on the new home, and potentially have nowhere to live at the end of the month, when we are required to move out of our current home.
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Consumer complaint received 2016-11-22
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (NC)

My wife and I wanted to close our home equity account. She went into the Wells Fargo branch to close the account and was instructed to call the Home Equity XXXX. We called the Home Equity XXXX and was instructed to send a letter to the Payoff Processing Dept with a {$400.00} prepayment fee. We were surprised as we had a zero balance on the account.
Consumer complaint received 2019-11-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BARCLAYS BANK DELAWARE (TX)

On XX/XX/2019, I was served with a citation on a lawsuit from Barclays Bank Delaware with XXXX XXXX XXXX listed as the attorney for the plaintiff. After much research, I discovered that Barclays had actually referred the account ( they still own the debt ) to XXXX XXXX, a collection agency, per Barclays. XXXX XXXX claims that they are not a collection agency and that they referred the account to XXXX XXXX XXXX, a collection agency law firm. I never received any type of communication from XXXX XXXX XXXX prior to being served with a citation. I sent XXXX XXXX XXXX a request for debt validation. The only thing they sent me was a few of the bills from Barclays and where I had applied for a credit card with Barclays on the Internet. That in no way validated that they had the authority to collect the debt. 

I hired an attorney to represent me. I could never verify with the court whether or not he responded to the suit, since I said I had an attorney, and could also never get the attorney to call me back. I have filed a complaint with the State Bar Association of Texas due to the attorney 's negligence. 

Today, XX/XX/2019, I received a letter from the court stating that a default judgment was decreed since there had been no response to the summons. I will be filing a separate complaint with the FTC against the attorney. 

My complaint against XXXX XXXX XXXX is their violations of the Fair Debt Collections Act, by not sending me any communications of my right to dispute the debt nor validating the debt. I have not signed any contract with XXXX XXXX XXXX.
Consumer complaint received 2017-03-25
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (CA)

I was XXXX overseas in XXXX and I made a purchase on XXXX for some documents for my XXXX. I called and told XXXX that I did not receive the document. I also did not have access to the document.They said it was sent. I had previous document purchases with success. This time it failed and customer service said it was not them. XXXX still tried to charge my bank account. I stopped the transaction and filled out a report with my bank. My bank did not pay. 
A year later, I am in a new country, and I get a letter from Convergent Outsouring, Inc. I wrote them what happen and I got no reponse by them. In my letter I wrote I desputed the allegations with XXXX. I received no letter from XXXX, so I assumed the problem was resolved. 
Another year ( XX/XX/2017 ) later I get another letter from Convergent asking for settlement for XXXX XXXX Bank on the XXXX account.
Consumer complaint received 2017-01-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

I have called and left messages as well as waited on hold multiple times for over 20 minutes at a time. I have never once gotten anyone willing to take my money for the {$60.00} I owe. No one has ever called me back on my multiple messages left to make my payment after leaving clear, concise, information about my and my information. The hospital is also refusing to take my money. I have now tried calling again today 4 times and have been hung up on each time and no one will take my payment. I am in collection and should not have been even for one day because they are not allowing me to pay by debt.
Consumer complaint received 2021-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (CA)

I had a credit limit of {$1800.00} at QVC. I had inadvertently missed a payment in XXXX of 2021. I had thought my due date was around the XXXX of the month but it in fact was the XXXX of the month. 
I called on the XXXX and got the {$35.00} late fee waived and then made a payment of {$200.00}, I then made an additional payment of {$100.00} on XX/XX/2021. In that time frame from the closing date of the XXXX or XXXX of the month I had my credit limit reduced by {$750.00} because I was late with one payment. 
I'm usually on top of my bills and try to pay more than is requested and pay before the due date. 
However the past few months have been trying and though I didn't tell Synchrony Bank, which has done this to other accounts I have just reduce the credit limit either because I was late or I don't know why. 
My mother had to be rushed into XXXX for a XXXX due to a XXXX XXXX XXXX XXXX XXXX. So my mind was someplace else. 
I don't remember getting a letter but if I did, it never comes out and says we reduced your credit limit because you missed a payment. 
I talked to 2 people today XX/XX/2021 at Synchrony Bank, one was a telephone rep and the other was an account manager or specialist. My call was recorded so I would suggest you request the call tapes for today XX/XX/2021. 
I called Synchrony bank at the phone number on the back of my XXXX. The number is XXXX XXXX XXXX XXXX, it was placed at XXXX XXXX  PST and lasted for 10:31 Minutes. 
The account manager or account specialist stated that the reason my credit limit was decreased was because I missed the XXXX payment, and because I was charged a {$35.00} late fee. 
If I wanted to have the credit limit restored I would have to give my financial information again and though I'm almost perfect in meeting my due dates for payment I have been late and been assessed late charges, so I feel I wouldn't be given a fair shot at having my credit limit restored. I want the credit limit restored based on my histroy with Synchrony and my payment history.
Consumer complaint received 2016-12-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (TN)

I received a letter from discover card stating that I have a balance that is delinquent. I contacted discover card and advise that I never applied or open an credit card account with their company. I have disputed the credit card account with the credit bureaus and with discover card requesting that the account be removed from my credit file and the account ca n't be validated nor will they remove the account from my credit report.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX XXXX there is no third party involved. I am submitting this complaint on my behalf. I sent a letter about validation of debts, it's been more than 60 days and I have not gotten any response. Consumer reporting agency have not carried out their responsibility ordered under the law. I feel that they are ignoring my disputes. If they can provide me proof that this is my debt. It need to be deleted as soon as possible. If they can not follow these government guidelines by credit reporting agencies are researched by the Federal Trade Commission ( see 15 USC 41, et seq. ). Likewise, Section 611 ( a ), it is doubtlessly expressed that an inability to explore these things inside 30 days gives motivation to quickly removed those items from my credit report it has been more than 60 days so they ought to deleted promptly. I request these accounts be deleted promptly.
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (FL)

I applied for a credit card ( Mastercard ) with PayPal on XX/XX/XXXX. They ran my credit and give me a card with {$1000.00} credit line. I received the card in the mail today XX/XX/XXXX with a letter stating the APR was for 25.6 % due to my credit score from XXXX of XXXX. The problem is my credit score with XXXX  was XXXX on XX/XX/XXXX, so my APR should not be 25.6 %. I called PayPal and spoke with XXXX in customer service and she stated she could not change anything. I asked to speak with her supervisor. I waited for 10-13 minutes for the supervisor to get on the line. Her name was XXXX ID # XXXX. She said that the customer service person already tried to change the APR, but the system would let her and there was nothing she could do about it and there was no one over her that I could speak with to get it changed either. XXXX also stated that she could not find the letter that was sent to me. She also stated that the credit rate was a XXXX score. XXXX. I told her that XXXX  scores are single numbers. The phone was quite on the other end. She didn't know what a XXXX  score was. I have not activated this card yet and will probably cancel the card altogether. My credit is good and getting better every month and I don't deserve this high APR either. Please help me get this straitened out.
Consumer complaint received 2016-04-18
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (OH)

I received the following email from PayPal ... .. 
PayPal Hello XXXX XXXX : We 're emailing you because of a legal settlement between PayPal and the Consumer Financial Protection Bureau, a federal government agency that enforces laws that protect consumers. Under this settlement, you are entitled to a refund of {$4.00} related to your PayPal Credit account. On XXXX/XXXX/16 we credited this amount to your PayPal Account, plus an additional {$1.00} to cover any fee should you elect to withdraw this refund amount from your PayPal account via check. 

If you have any questions regarding the refund please contact PayPal Customer Service at XXXX from XXXX XXXX to XXXX XXXX XXXX XXXX Monday through Friday, or from XXXX XXXX to XXXX XXXX XXXX Time Saturday and Sunday. 

You can learn more about the Consumer Financial Protection Bureau at http : //www.consumerfinance.gov. You can also see a copy of the settlement agreement PayPal entered into on the Bureau 's website at http : XXXX. 
========================================================== The way I read it, I should get {$4.00} plus {$1.00} for a total of {$6.00}. 
What I received was {$3.00} plus {$1.00} for a total of {$4.00}. 
Is this in error? Did I read it wrong? Did they print it wrong? 
No biggie for me ... but, what about those who spent thousands???
Consumer complaint received 2017-01-27
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (MN)

I had XXXX mortgages with XXXX. The second, and final one, was paid off in XX/XX/2013. XXXX never filed a satisfaction of mortgage with my county so is still a lien holder on my home. XXXX hired PHH as their retained servicer of mortgages. I have contacted PHH and XXXX approximately 30 times in the last three months as this circumstance nearly derailed the refinancing of my house. Now it is delaying the registration of my assets in a personal trust. Both circumstances are costing me time and money. I have many names, telephone numbers and emails of individuals who have promised to take care of this, but it never gets done. There is no dispute that the mortgage was paid in full. The most recent contacts I have had were this morning, XXXX, and the previous week, with representatives of the Office of the President ( which I suspect is just another arm of their customer service department ). Nothing ever gets done, even though I have indicated that this issue has gone on for nearly 4 YEARS!
Consumer complaint received 2016-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ORG GC GP BUYER, LLC (PA)

I do n't know how many times I have to explain this. I entered into a repayment schedule with GC Services back in XXXX XXXX. I was told that I needed to pay {$250.00} per month for 12 months in order to get out of default. I did that. It was at month 8 that I was told that I no longer needed to make any payments. When I inquired about stopping early I was told that I had fulfilled my requirement and no longer had to pay. I was told that I should be receiving my new contract in XXXX weeks. I did n't receive anything. XX/XX/XXXX I knew this was n't right and I continued the payments on my own, after several conversations with GC services telling me that the contract was on the way. 
Sometime in XX/XX/XXXX I get a call from GC Services telling me that I owed more money on top of what I had been paying. I asked for the amount, they gave it to me. I asked how they arrived at this amount. There was no explanation, I was told to just pay it. Since this was an addition to the contract I had signed, I asked for another contract. I was told that I was n't going to get one. I just needed to pay. I told them that I would not give any more money until I received an updated contact. 
Then the garnishment began. When I had questions I was told that there was nothing that I could do and that I would be garnished and that if I wanted to get out of garnishment that I would have to pay an additional fee on top of what was being taken out of my pay. When I asked where the money went that I had been paying. I was told that there was no such money ever paid. I got the cancelled checks. 
In the last 7 years I have paid well in excess of XXXX! What the loan was worth. The Ombudsman is a joke. I have tried many times to get back into the program and work with GC services. It is always the same we want your money first and then we will send you the contract. There is nowhere else in this economy that you are required to pay up front in order to get a contact. Criminals have more due process than a person trying to pay off their students loans. I and many others have been left without due process. 
I have told this story many times. The only reason why you are getting it again is because I have received an e-mail from your organization. 
If they really want to garnish people they should garnish both interest and principal so that people could have the loan paid off in 7 years, instead of offering people up as sacrifices for the dollar.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (TX)

see attachments why CFPB was setup please do not let this great system go away its protecting US Citizens helping us against the Bigger Companies : please fix all the FTC, FCRA, unauthorized Inquires, please see the good accounts paid in full that they dont list but, Just report the Negativities on a USA Citizens ... ... ... ... ... ...

Do they Company have United States BEST INTEREST at HEART!!!!
Consumer complaint received 2019-11-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (NY)

I XXXX XXXX am trying to avoid filing bankruptcy. Previously by writing to my creditors I explained my personal situation, where another person I trusted ran up my debts without my knowledge. I could have filed for bankruptcy earlier this year, but have decided to try another avenue. I seek settlements of the debt posted in this report for 20 % of the charged off amount with terms. Accordingly, I would appreciate a quick response as I will agree to settle these collection as they are accepted. 
XXXX XXXX
Consumer complaint received 2019-11-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (FL)

Open a online checking account with Wells Fargo after seeing advertisement for a {$400.00} rebate on XX/XX/2019. Called customer service on around XX/XX/19 to validate the claims made by online advertisement and was instructed that as long as the requirements of making {$3000.00} in direct deposits over the next 120 days as well as well as maintaining an available balance over the time frame the promotion will be awarded the promotion. Contacted customer service again XX/XX/2019 and was told that I met all the requirements of the promotions and should be automatically deposited in my account at the end of the month. Called customer service again on XX/XX/2019 to check the status and was told I that the promotion could not be awarded because the social security for the account was never validated. So after 7 months and me constantly keeping in contact and having multiple transactions on my checking account Im told promotion cant be awarded. It seems as outright deceptive practices because they have no intention on standing by their advertisement.