davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-12
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EMPIRE MEDIATION SERVICES LLC (PA)

On Wednesday XXXX XXXX I recieved a phone call from a supposed process server that works for empire mediation services. He told me papers were going to be delivered the next day that I needed to sign. That a summons was being delivered. He left a phone number for me to call to resolve the situation BEFORE the papers were delivered. The number was XXXX. I called the number and they were trying to collect for something that was paid. The company goes under a few different names so I emailed them what I had. They emailed me Nd told me I was scamming them and it was not pAid. The man called me a liar. I told him my attorney would be in touch. I asked him for his address and he would not give it to me. Then he tells me he is n't speaking to me any more because I said I had an attorney. But then the next day he emails me again!!
Consumer complaint received 2015-09-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: RICHLAND HOLDINGS, INC. (NV)

There are XXXX debts originally owed to XXXX ; the first with a last known balance of approximately {$5000.00} and the other with a last known balance of approximately {$2800.00}. Over the course of 16 months we 've seen the balances of these debts increase by over 150 % each. As of this writing, XXXX hired collections servicer, ACCTCORP OF SOUTHERN NEVADA, has filed a suit against us alleging that the balance of the aforementioned debts are now {$14000.00} and {$7500.00}, respectively. This is an absolute outrage! Especially since these new amounts which equate to over 160 % appreciation are well in excess of the 24 % penalty rate that XXXX has in their own documentation. Furthermore, in doing the math in the summons that we received, we found that ACCTCORP, again, miscalculated the total amounts i.e. the itemized amounts in the summons do NOT add up to the total amount for which they are suing both my husband and I. We strongly feel that ACCTCORP numbers are highly dubious and that the final amount being sought is comprised of exorbitant interest fees! 

REFERENCE INFORMATION : ACCTCORP OF SOUTHERN NEVADA Account No. XXXX
Consumer complaint received 2015-07-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Revenue Assistance Corporation dba Revenue Group (KY)

I had insurance. And I reported the debt to this company and the company charged me XXXX!! They charged me XXXX more dollars to my credit now they are saying I owe them XXXX and its overdue. I dont owe them nothing and they cant charge me XXXX firstall. What is going on with this company. Why are they charging me AGAIN! I have insurance so why isnt my insurance covering it. This is HORRIBLE! PLEASE HELP ME.
Consumer complaint received 2015-09-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (CA)

XXXX breach of contract. ( Account # XXXX ) I had with Contract for ( XXXX ) Phone and I Received ( XXXX ) and XXXX Phone with Wrong Color. I Returned to the XXXX and Got Return Receipt Back from Them. Order a New Phone with Right Color? Never Showed up at all. Each Time you Call XXXX? Take XXXX to XXXX XXXX. XXXX of the worst Customer Service you Can Ever Imagine. 

" Every month there is a mistake or over charge on my bill. I have to call customer service and I am on the phone for XXXX hour. It is so bad now I actually plan for it. " " I really like it when they extend the contract without your knowing and charge you almost {$200.00} to cancel the service. " " After a year and a half of being an on-time customer, I got a 'friendly reminder ' phone call to see when I would be paying my bill. I had n't even received my bill yet! When I explained as much, the woman said 'oh, we like to keep on top of these things. ' WHAT?! I finished out my contract before they could re-up it without my knowledge and switched wireless carriers quickly! " I called so many times to Resolve the issue? Never Resolved. End-up Got a Letter from XXXX Collection Agnecy for {$660.00}. Collection. I apid the Charge just to Keep my Service connected? They Disconnect my Phone for 2 Months and Ask XXXX {$270.00}. 
I end-up paying off {$1200.00} Just to Save my Credit. I have Letter from Collection agency 's Pay-off Letter. 
I need to Terminate the Contract and Need my Money Back from XXXX ASAP. 
XXXX have to Return all my Money {$1200.00} + ( My Claim Number Claim # : XXXX ) 1. Bogus Regulatory Charge will increase to $ XXXX/line. 
2. Also, I applied for XXXX Fraud Charge Unauthorized PSMS Charges ( My Claim Number Claim # : XXXX ) Never ever got Refund from XXXX. 

Now, I want cancel XXXX contract without an early termination fee ( ETF ).
Consumer complaint received 2015-09-12
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WATERSTONE MORTGAGE CORPORATION (FL)

We applied for a mortgage with Waterstone Mortgage Co., a broker located in XXXX, FL and they sent the Realtor a pre-approved letter for a {$110000.00} USDA loan. With our income we could easily make the {$800.00}. monthly payments. We supplied them with bank statements and many other things they requested. They had us jumping through hoops for months, XXXX, XXXX and XXXX. We gave them our XXXX, XXXX and XXXX tax returns stamped by the IRS. Supplied them with rental statements and power company statements for 12 months showing that we pay on time. 

We paid for the inspection and put the {$1000.00} required in escrow. At the last minute they backed out and said they could n't get what they needed from the IRS. Our rental lease was up XXXX XXXX, XXXX leaving us little time to find another rental.
Consumer complaint received 2015-09-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (OH)

In late XXXX, I got sufficiently behind on a student loan serviced at the time by XXXX XXXX which from being unemployed, however, as soon as I returned to employment I reached out to XXXX XXXX in attempt to address the loan ( current services by Navient Loan number : XXXX Original balance : {$15000.00} Disbursement date : XXXX/XXXX/XXXX Loan balance : {$35000.00} ) and I was transferred to the " collection department '' of XXXX XXXX. I later found out this was not XXXX mea but a firm they outsourced to handle delinquency assets known as XXXX XXXX XXXX. As a result, I made an agreement with XXXX XXXX in good faith that XXXX XXXX, now dba as Navient, would honor the agreement. As a result, my parents and I made a payment in the amount of XXXX on XXXX, XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & on XXXX/XXXX/XXXX ( on which I had my bank XXXX XXXX XXXX retract the payment because I reached out to XXXX XXXX at the time because I could n't reach XXXX XXXX, and my calls continuously stated the number was disconnected. I look them up on the NY business registration, and they were no longer doing business. I called XXXX XXXX multiple times ( provided the attached documentation & requested they honor the agreement XXXX on XXXX/XXXX/XXXX they then withdraw XXXX from my account ( which I would have my back retract ) because they stated they would n't honor the stated agreement. As a result, XXXX XXXX now dba Navient is stating I owe them over XXXX, which does n't even accounting for the XXXX + I paid their hired collector, and even worse has directed multiple payments, totaling over XXXX dollars, I made to another loan them ( Loan information Loan number : XXXX Original balance : {$7000.00} Disbursement date : XXXX/XXXX/XXXX Current balance XXXX XXXX towards this loan after they told me they would n't honor they agreement made with their collection company XXXX. Furthermore, my previous attempts to contact XXXX XXXX regarding the account, misdirecting payments, previous agreements lead to me being hung up on by representative and managers.
Consumer complaint received 2015-09-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC. (MI)

I had a debt from the 1990 's ( a vehicle ) and I received notice from the treasury department that my income taxes were being intercepted for this debt by a lawyer for Asset Acceptance Corporation. I have learned that this supposively went to XXXX district court in XXXX MI and it is on my public record as a lien. The statute of limitations is surely expired and now I am having a hard time getting credit. I need assistance on what I should do. This same lawyer has also went after a friend of mine who owns his own company and threatened legal action against him because I briefly worked with him. Please advise as they continue to harrass me. I have not spoken with anyone about this situation.
Consumer complaint received 2015-09-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

EQUIFAX HAS NOT REMOVED FRIVOLOUS ACCOUNT REPORTED FROM XXXX XXXX XXXX. EQUIFAX RECEIVED AN IDENTITY THEFT AFFIDAVIT FROM ME OVER A YEAR AGO. I NOW HAVE ATTACHED FURTHER PROOF FROM THE XXXX XXXX & FROM XXXX THAT CORROBORATES THAT I RECEIVED FUNDING FOR COLLEGE XXXX FROM A UNIVERSITY OTHER THAN XXXX UNIVERSITY-THE ORIGINATOR OF THE DEBT. I HAVE NEVER ATTENDED XXXX AND I HAVE OFFICIAL DOCUMENTATION TO VERIFY MY FULL ENROLLMENT AT XXXX AT THE TIME EQUIFAX IS SAYING THEY RECEIVED VERIFICATION FROM XXXX XXXX XXXX.
Consumer complaint received 2015-09-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

I recently ordered copies of my credit everything looked good until I saw all thrse hard inquiries that was not mine I instantly called and had these disputed XXXX and they put a fraud alert on my credit report I then contacted Equifax and went through the online process of disputing these inquiriesin they just sent me an email saying to contact the creditors who furnish them with the information which I did before in they told me I need to take that up with the credit bureaus I also tried calling XXXX to dispute the inquiries in everytime im met with rude people that give me fake names transfers me all over the place even people hanging up so right now I dont know what to really think or do I was advised by XXXX to contact consumer financial since I was having such a hard time getting someone to help its always that stigma guilty until proven innocent
Consumer complaint received 2015-09-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Our XXXX Mortgage XXXX primary ) was paid in full when we sold our home in IL in XXXX. We have the settlement letter from XXXX Bank for our primary mortgage and XXXX shows it closed and paid in full but TransUnion still shows it open - no late payments as wel as no payments since XXXX which makes no sense!
Consumer complaint received 2015-09-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

SHERIFF SALE THIS TUESDAY - XXXX/XXXX/15 Bank FraudHI. I filled out documentation for a loan modification on XXXX XXXX, 2015 for a {$900000.00} mortgage. Our situation has changed and we have enough funds to pay the monthly mortgage. 
All documentation that Wells, Fargo Home Mortgage required was submitted. 
I received a call XXXX weeks ago that I was denied the loan because our mortgage was over {$720000.00}. This is ridiculous because Wells, Fargo knew the loan was over {$900000.00} back XX/XX/XXXX. 
I called and spoke to XXXX XXXX who said that this was not the reason for the denial. She stated that we were denied because I did not produce a profit and loss statement for my real estate company. I told her that I do not have a real estate company and why was this not communicated to me? In addition, I asked her why I got a call last week that my loan was denied due to it being over {$720000.00}. 
She said that was incorrect and I was grandfathered due to some regulatory change in XXXX, 2015 ( I looked this up on the internet and could not find a " regulatory change ''. Then, I received a letter from XXXX XXXX stating that I could do the modification documentation, but " it is to late due to a sheriff sale on XXXX XXXX ). 
I extended the sheriff sale to XXXX. I then got a call from XXXX XXXX ( XXXX ext, XXXX XXXX last Thursday. He said he is investigating the whole situation and knows the sheriff sale is XXXX. How can he possibly investigate this by Tuesday? We need to postpone the sale which takes a call to his attorney XXXX 5 minutes ). I got a letter in the mail last night dated XXXX/XXXX/15 from XXXX XXXX. 
She is reminding me again about the sheriff sale on XXXX/XXXX/15 and says she would be happy to look into the matter but is it to late. 
Please help ASAP. The whole situation above is FRAUD. I was denied for reasons that are not correct. Time is of the essence.
Consumer complaint received 2015-09-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Over two years ago I made a loan on a property to a " friend '' from my IRA. The " friend '' stopped paying on the loan and I therefore foreclosed on the property, XXXX XXXX XXXX, XXXX, Ca. XXXX. The XXXX on the loan was taken out by XXXX XXXX and the loan is serviced by Special Loan Servicing phone # XXXX. My escrow co., representative XXXX XXXX sent a Payoff request after the current trust deed with my name on it had been sent twice to Special Loan Services. They refused to release the Payoff statement, and insisted that I needed the permission of the previous owner, the one I foreclosed on because he was over two years in arrears on my loan. This is against the law, according to Cal. Civil Code 2924c ( a ) ( 1 ) and ( c ) and also Cal Civil Code 2904-2905 i.e. When a senior lien against a real property is in foreclosure, the holder of the junior lien has the right to reinstate the senior debt ... etc. which I am certain that your agency is familiar with. Then, after I threatened with the law, they sent the payoff request. However, when I faxed in my insurance co. authorization of the insurance on the property, they said they could not accept it without again the former property owner 's ok. Please straighten these people out_ I paid over {$18000.00} to " catch up '' with the mortgage, which the previous owner stopped paying on over 5 months ago. Special Loan Services refuse to 1. place my name on the mortgage, 2. release any information on the costs to me and 3 allow me access on their website for info. I am the owner now, yet do not have access to information-I have to pay yet they refuse to tell me about the charges. They will not accept my insurance and continue to have the insurance they chose on my loan. Please help me asap. Thank you, XXXX XXXX new owner of XXXX XXXX XXXX, XXXX, Ca. XXXX SLS loan no. XXXX. If you need any specific documents please contact me. XXXX, XXXX XXXX XXXX, XXXX, Ca. XXXX
Consumer complaint received 2015-09-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NJ)

I was unemployed in XX/XX/XXXX and my checking account with Wells Fargo went negative {$500.00}. I recvd a settlement ck XX/XX/XXXX went to Wells Fargo to correct my account but was told it could not be done. I had to open a new account. I asked to pay off the negative balance on my original account but was told " no, that can wait, pay us when you can ''. I have received no requests to date for the debt owed. On XXXX XXXX the money was taken from my account without authorization. No phone calls, no letters, just taken. My new account is now negative and they have returned checks from my utility payments. I
Consumer complaint received 2015-09-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Transunion failed to conduct an accurate investigation of my complaint. My credit report still list XXXX XXXX as an open collection account. There are a XXXX of things that are in correct here. This is NOT the first time I 'm disputing this woth Transunion. Generally I get a generic response that they investigated. Yet I get no details as to how it was done and who they spoke to. 

1. XXXX is trying to collect on a XXXX account that have been paid off. 
2. XXXX is a collection company. The status of the XXXX account should not be " open ''. An " open account '' that is in collection is a different from an account that has been sold to XXXX as a collection. 
Please see attachment for a visual as to how it 's currently shown on my report.
Consumer complaint received 2015-09-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MD)

I had a XXXX XXXX account though XXXX Bank that was closed and paid as agreed and paid off. I investigate this account several time though the credit bureaus and they did not remove this account. XXXX Bank send me a email today stating this account was paid in full and never late.
Consumer complaint received 2015-09-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Constant phone harassment, late/and or dozens of calls in same day. Constant machine dialing our number and hanging up when answered, sometimes within XXXX seconds of another. Most often these calls happen every XXXX minutes and with my husband being XXXX and I have been ill for about XXXX months it gets hard to get up and answer. This has affected calls from others due to not having the call thru feature they get busy signals. They Ignore requests to stop calling. ABUSIVE conduct for an ILLEGAL OUTDATED DEBT from approx XXXX. Calls placed to another phone that is charged per call and still refuse requests to stop abusive communications. The company calls from a phone number until I find out what is is and block the number, The company then calls from a new phone number until I block that XXXX, this goes on and I now am estimating the I have XXXX or more different phone numbers for the company.
Consumer complaint received 2015-09-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Cedars Business Services, LLC (CA)

We resolved a dispute in XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 2013. This is a fraudulent attempt to reinstate a debt.
Consumer complaint received 2015-09-12
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: NAVY FEDERAL CREDIT UNION (MS)

My husband passed away on XXXX XXXX, 2015. In XXXX of 2015, I contacted Navy Federal Credit Union to inform them of his death. He had a credit card with them. I asked what I should do about the account. They told me that since I was an Authorized User that I was responsible for the account and if I chose to keep the account open that I could. So, I chose to keep the account open. I have used the account for six months, and payed over {$20000.00} in balances. I have spoke to them on several occasions for the last six months when they froze the account, saying it was suspicious activity. I would call them, tell them yes that I made those charges and they would unfreeze the account. Never a word was mention to me about the account was going to be closed. I tried to use my card today and it was declined. When I got home from work, I called NFCU and asked them to unfreeze my account. It was at this time, I was told the account had been closed. I asked by whom, and they told me and I quote, " Well, there was someone else on this account ''. My reply was yes, my deceased husband. I was then informed because my husband had passed away, that because I was only an Authorized User, that I was not liable for this account. After being told that I was when I called and told them of my husband 's passing. They waited until I had paid the credit card down to almost nothing and with no notification or reasoning why, they closed the account. So, in other words, because I was only an Authorized User, they lied to me when I told them my husband had passed and told me I was liable, and after paying pretty much the entire balance off, they closed the account. My late husband and I have had this account for at least twenty three years. It was my only credit card. It was my emergency credit card. They should not be allowed to do this to people. They should have been upfront from the beginning and tell me, no I was n't liable for it. Instead they chose to lie and take over {$20000.00} XXXX that I could have desperately used somewhere else ) from a grieving widow. My husband served this country and I served this country, and this was completely wrong. Thank you in advance for any assistance that you can help me with this. They should n't be allowed to get away with this. i did what I thought I was supposed to do, but they lied and stole.
Consumer complaint received 2015-09-12
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I got a recommendation from XXXX for a loan from XXXX. I thought since It was a recommendation from you it would not hurt my credit and be a hard inquiry. I also stated that to XXXX and said I did not want my credit to be ran nor did they ask permission to run it. I am rebuilding my credit and this will hurt it. I also declined the loan.
Consumer complaint received 2015-09-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (CA)

Paypal has froze both my personal and business accounts since XXXX. The only response I have is " We would like to learn more about some of your recent transactions. '' I have been on the phone with them multiple times and can not get a straight answer.
Consumer complaint received 2015-09-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

XXXX cable charged my account with incorrect charges for products I did not order and removed some of the billing information from my account but did not remove all of the charges and continued to charge me late fees for said billing errors resulting in incorrect balances due. Customer Service was not at all helpful in resolving the dispute nor providing confirmation that balances. I closed the account, returned the equipment and the closing bill was not accurate because it reflected charges from the previous incorrect billing that was not resolved. I have years of documentation.
Consumer complaint received 2015-09-11
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America contacted me and advised that my Checking Debit Card had been compromised so they were canceling and reissuing another. I phoned them to ask for more imformation, they said that they did not have any information to share, and I told them that I wanted to know what the breach was and when. I was advised that sometimes they are just notified by XXXX Law Enforcement of the breach, but the bank doesnt know why they just cancel the card, this is not acceptable by me. 

I believe that I have the right to know exactly what happened and more detail, its my account and they should be able to inform me ...