davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

I have a car loan with Fifth Third Bank and they do n't allow you to make payments online so I have to mail by check. I will send the mail a week before it was due and they wo n't cash it till 2 weeks later. Well this month I missed one payment and they repossessed my car. And I already sent the payment that I missed and the current one this month. They now want to charge me XXXX in repo fees and the XXXX payments will go towards that and I will still owe my payment for this month on top of the towing and storage fees. I just do n't understand how the repo fees are this much when my late monthly payment is XXXX. I hear a lot of the same problems with people having their car repossessed when they made payments they just posted them late. And when I called them they did n't tell me about the repo fees and were fine with me paying the payment that was late and the current payment then when my husband called they said we owed XXXX. On top of that they did n't contact us at all and they said they sent a letter in the mail but we never gotten it. If we knew this was happening we would have done expedite shipping right away
Consumer complaint received 2016-06-15
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Kohls Credit Card Department offered me an option to keep my credit account which was past due open, they stated through every communication they were Kohls department store. In XXXX of last year they convinced me to go into a payment arrangement for XXXX months at which time it would catch the account up and all late payments would be removed from the account. After the last payment was made I continued to receive calls and informed them the arrangement that had been made with their agents and was informed that the card was closed and that I could try and reapply but otherwise it would remain closed, which was not what i had originally agreed upon when i made the arrangement with them. I told them before I would even consider anything else I wanted a bill, which i never received. Now they are harassing me saying the bill is over the amount i had already was supposed to have paid off because they added late fees yet again because they have not sent a bill. So now I was conned into going into an agreement with them which i honored to get use of my account back only to have been lied to and the account closed, and they continue to harrass me on my private cell line after being informed to cease and desist.
Consumer complaint received 2016-06-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (MD)

This is my second complaint against Convergent Outsourcing in the last XXXX weeks. Today, when I got home from work, there was a message on my HOME anwering machine to call them about account number XXXX. This is a WORK related account, not home related. They had NO right to call that phone number, especially since it is unlisted/unpublished. I am attaching a copy of my last statement from XXXX XXXX, showing a credit balance of - {$80.00}. 

I called them back and I was NOT nice to them. I probably will be filing in civil court against them very soon. 

Unfortunately, I erased the message, as my wife would have had a bad reaction to the message, eventhough XXXX XXXX and Convergent Outsourcing are in the wrong.
Consumer complaint received 2016-06-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XXXX XXXX XXXX, I took out a online payday loan with XXXX XXXX, XXXX for {$1000.00}. I began repayment on XXXX XXXX, XXXX. Over the course of XXXX months, I made payments to XXXX, XXXX in the amount of {$2700.00} - all from my bank account in XXXX, which I retained despite moving to XXXX. As of XXXX XXXX, XXXX, XXXX, XXXX is reporting this account as " Charged off as bad debt|Purchased by another lender '' and it is listed and " Derogatory '' and a " Collection / Charge-Off '' on my Transunion report . XXXX XXXX, XXXX is not legally permitted to conduct business in XXXX or XXXX, because they do not follow the state lending laws for payday loans.
Consumer complaint received 2016-06-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Google Compare Credit Cards Inc. (UT)

Google has sent me multiple emails on a debit card debt. I have notified google through email that I have filed for chapter XXXX bankruptcy, however, they keep sending me collection notices and violated the automatic stay rule. I suffer from XXXX and they have aggravated my condition. 


Case # XXXX ( Chapter XXXX ) Title XXXX XXXX XXXX Filed XXXX/XXXX/2016 Judge XXXX XXXX XXXX Original Chapter XXXX Vol / XXXX XXXX XXXX XXXX XXXX Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P : ( XXXX ) XXXX F : ( XXXX ) XXXX E : XXXXXXXXXXXX XXXXXXXXXXXX XXXX ( XXXX hours ago ) to me Hello XXXX XXXX , You have - {$390.00} in your Wallet Balance. 

In order to continue using Google Wallet to make purchases and send money to friends and family, you 'll need to add money and settle your negative balance. 

To settle your negative balance on the desktop site : Sign in to your account at XXXX. 
Click on Settle Balance in the top yellow banner or in the left bar under your current Wallet Balance. 
Choose a payment method from the drop-down menu. 
Click on Settle Balance to complete your payment. 
To settle your negative balance in the app : Open the Google Wallet mobile app. 
Go to the navigation menu on the left. 
Tap on Wallet Card & Balance. 
Tap on Settle Wallet Balance. 
Review the confirmation and tap on Add money. 
Thanks for your quick attention to this and for using Google Wallet. If you have further questions or need help, please visit our Help Center or contact us at XXXXXXXXXXXX. 

The Google Wallet Team ( C ) 2016 Google Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX You have received this mandatory email service announcement to update you about important changes to your Google Wallet account.
Consumer complaint received 2016-06-15
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (UT)

I got a prescreen offer for Chase 's XXXX XXXX XXXX card for XXXX bonus miles with an application link. I applied through the link and after being approved found out that they had pushed me into a different card offer XXXX XXXX with only XXXX bonus miles, different fee structure, etc ). I emailed customer service, explaining that I had applied under the link for the offer they sent me, and requested that they give me what I had been offered initially. They said they would n't honor it ; that I had now been given the XXXX offer and only new XXXX XXXX XXXX cardmembers can get the XXXX offer. I explained that I HAD applied for the XXXX offer and only got the XXXX offer, and that I had been deceived or tricked. I asked for information on how to close the account, reverse the effect on my credit, since I was duped. They they only responded by telling me I could n't have the offer the sent to me in the mail.
Consumer complaint received 2016-06-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trident Asset Management, L.L.C. (TX)

Upon review of my credit report, I have noticed a {$220.00} charge from this company. The report states that it is a utility bill and the original debtor is XXXX. XXXX has been my current provider for two years. I have received no written/verbal notification of this debt. Furthermore, I have never had to pay a deposit to attain services. 
I have contacted XXXX two times regarding the account. The representative from the billing could not find the account on the XXXX databases, despite having my social security number. He verbalized the account number granted by me from Trident was invalid. 
During my last contact, the Supervisor recommended to report the debt as fraudulent. 
Post review of my bank statements, the original account number provided by Trident is not my XXXX account number and is too short. 
I have contacted the company numerous times and their method is to attain information from me, such as my address and social security number for validation. This is a fraudulent account and it negatively affecting my credit. Furthermore, I am very concerned with the number of review on the internet that mirror my complaint. 
Please note all correspondences regarding this account will be forwarded to the XXXX Office of Attorney General and the office of XXXX.
Consumer complaint received 2016-06-15
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: EVERBANK, NATIONAL ASSOCIATION (FL)

Loan included in Chapter XXXX bankruptcy. Servicer failed to calculate escrow correctly and wanted to change final order after Bk confirmed. Paid agreed upon payment. Servicer would not distribute escrow over XXXX year period per hardship and refused to accept agreed on payments. Would not allow a modification. Escalated to attorney referral and late fees. Contacted Attorney prior to Lis Pendis and requested payoff. Attorney delayed payoff until Lis pendis filed to include attorney fees and proposed fees. Requested adjusted fees stated they had to contact the servicer for the adjusted payoff. Finally received payoff with only XXXX in fees adjusted and no response to request for modification. Servicer modification team operates XXXX to XXXX est. only..
Consumer complaint received 2016-06-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

Hello, I was attending XXXX XXXX I enrolled XX/XX/2016 with an expected graduation date of XX/XX/2016, the school closed on XX/XX/2016 and was bought by XXXX University, Neither school is accredited like they previously stated, the credits are not transferable, they had students take out loans under false pretenses, I stopped attending and logging in when the school closed, they sent me an e-mail stating that i was terminated from the program for non participating then a few weeks later they sent an e-mail asking me to name their school on my student aide paperwork so they can continue receiving money. I have attached the e-mails they sent. I feel i should not be held liable for the total loan balance i took out seeing how the school lied about being accredited, the credits are not transferable and the school closed before program completion. XXXX has also been reporting false information to the department of education such as student status and attendance
Consumer complaint received 2016-06-15
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank is deliberately re-aging a Line Of Credit ( LOC ) account on credit file by falsely reporting to the CRAs. Wells Fargo has removed the account history from credit file and continues to provide false data for DOFD to the CRAs by reporting this account recently went into a derogatory status XX/XX/XXXX, ( date of Chapter XXXX Bankruptcy filing ), and XX/XX/XXXX. The DOFD ( Date Of First Delinquency ) on this account is XXXX XXXX. This account tradeline meets criteria to be removed from credit file and should no longer be reported to the CRAs, as it has been XXXX years since DOFD. Additionally, this account was included in Chapter XXXX Bankruptcy XXXX years after DOFD, discharged in XXXX XXXX yet Wells Fargo placed charges/adjustments on this account AFTER they were informed of Chapter XXXX filing ( XXXX XXXX and XXXX XXXX respectively ). This illustrates a pattern by Wells Fargo of deliberately violating the FCRA and shall be sufficient to compel removal of this tradeline from credit file. This complaint shall serve as official record noting that the data furnisher ( Wells Fargo ) is providing inaccurate data to CRAs, per Experian, Wells Fargo validated in XXXX XXXX that the account DOFD is XX/XX/XXXX which is false ( official Wells Fargo Account History Report and XXXX official Wells Fargo letters dating back to XXXX are attached ). Wells Fargo also continues to update the status of this delinquency monthly on XXXX and XXXX credit files by re-aging the " last reported '' date, including comments on the tradeline that this account is " Included in Chapter XXXX Bankruptcy as of & lt ; current month, current year & gt ; ''. This in turn pushes out the " date of removal '' for the CRAs to XXXX years from each update which has been occurring monthly since I filed disputes with the CRAs. The TRUE DOFD for this account is XXXX, XX/XX/XXXX, not XX/XX/XXXX or XX/XX/XXXX.
Consumer complaint received 2016-04-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

A fraudulent credit card account was opened in my name at Kohl 's in XXXX, XXXX. On XXXX/XXXX/XXXX Kohl 's acknowledged the fraudulent nature of the account and relieved me of responsibility. Now, Kohl 's refuses to act on my request to send me copies of the fraudulent documentation used in opening that account ; instead, Kohl 's states that such information will be provided only to a law enforcement agency, at the request of said agency. As I read Title 15 U.S. Code Chapter 41 Subchapter III Section 1681g, the victim himself is entitled to copies of the fraudulent documentation but must make the request for it in writing and must meet other reasonable requirements that can be imposed by the business which granted the credit. It is my understanding that providing the information to a law enforcement agency is contemplated in XXXX scenarios : ( 1 ) where the victim 's written request specifies which agency is to receive the documentation ; or, ( 2 ) where there happens to be a law enforcement agency investigating the ID theft and that agency is authorized by the victim to take the relevant records. I do not see how these provisions can be interpreted by the credit-granting business to deny the victim 's request to be given the fraudulent documentation directly. In my case, I have sent Kohl 's written requests to have the information sent to me. Accordingly, scenario ( 1 ) above does not apply. Also, as there is no law enforcement agency investigating my ID theft, notwithstanding reports filed at XXXX separate police departments, scenario ( 2 ) above does not apply. In summary, I believe that Kohl 's misunderstands the right of the victim of ID theft to receive directly, and not via a law enforcement agency, copies of the fraudulent documentation and is unreasonably attempting to require me to trouble one or another law enforcement agency to obtain copies of the fraudulent documentation on my behalf.
Consumer complaint received 2016-04-06
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CNG FINANCIAL CORPORATION (SD)

I received a phone call form a third party called XXXX, collections company for Check-N-Go, without reading the federal disclosure the collector advised that an unpaid debt was transferred to their company to be handled within 24 hours. Once I advised the disclosure was not recited and he was aware that I had extensive knowledge regarding FDCPA and collection activities, he was unwilling to listen and stated if I did not give him my debit card number within 24 hours that I was unwilling to pay this debt. I had advised the representative that was not at all what I was doing and in fact I want to pay the debt, however I will not give my debit card without more information regarding this debt.
Consumer complaint received 2016-06-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I lost my job in 2009 and had to move to another state to work. I had to walk away from my home XXXX. Bank of America went to the courts for the permission to recover the home, which the court granted. It has been XXXX years and BoA refuses to finalize the foreclosure because it is not worth it for them finish. This is holding my family hostage. My wife and son both suffer XXXX. Living in limbo and not having a home of our own is having profound impacts on my family. I am a XXXX veteran who needs to buy a home here XXXX, but I ca n't move forward with my life, because BoA is treating my situation unfairly.
Consumer complaint received 2016-06-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (CA)

This is in reference to an existing complaint # XXXX. Shellpoints partial response - " Response -Shellpoint requires more time to fully investigate the complaint. '' Which I received from CFPB on XXXX XXXX, XXXX My complaint was - " What happened Describe what happened so we can understand the issue ... 
This refers to Consumer Financial Protection Bureau complaint # XXXX. 
I have sent all required documentation to Shellpoint as of XXXX XXXX, XXXX. I have asked Shellpoint through a XXXX XXXX XXXX ( at XXXXXXXXXXXX ) if anything else is required for the Modification review. As of today 's date, XXXX XXXX, there has been no response from XXXX XXXX with Shellpoint. 
Today I filed the attached complaint with the XXXX related to their settlement with XXXX in XXXX XXXX. 
Please help me get an affordable Modification for my Mortgage. '' Now last Friday - XXXX/XXXX/XXXX I receive a Modification Denial letter from Shellpoint Dated XXXX/XXXX/XXXX stating - " WE are unable to offer you a loss mitigation option because we did not provide them with the documents they requested. They notified us of specific documents they needed and the time frame required to provide them. '' Plus now a Trustee Sale is scheduled for XXXX/XXXX/XXXX. I still have not got a response from XXXX XXXX, at Shellpoint to my request dated XXXX/XXXX/XXXX, as to if there is anything else needed or not for the Modification. This request to XXXX XXXX was sent via E-Mail, so I have proof of the request XXXX/XXXX/XXXX is the date CFPB sent me the E-Mail notifying me that Shellpoint responded to my complaint # XXXX and needs an additional XXXX days to research the complaint and respond. Keeping in mind the Denial letter is dated XXXX/XXXX/XXXX. 
Now in XXXX days my home of almost XXXX years will be sold and auction by Shellpoint. 

Something is not right here and is very wrong, Shellpoint needs to be held accountable.
Consumer complaint received 2016-04-06
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: ECMC GROUP, INC. (NY)

This company is continually calling my job. When sent to my voicemail they do not say anything. The phone number they are calling from is XXXX XXXX XXXX XXXX. They even called the receptionist and said they were calling from the US Postal Service. they told her they must speak with me. When I got on the line the person hung up the phone. Their tactics are unscrupulous and deceitful.
Consumer complaint received 2016-04-06
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Today on XXXX XXXX, 2016 I received a phone call at my work number from a representative of Capitol One Card. They are calling me because I have not made any payments on my Credit Card since XXXX 2016, and I informed them that I had turned the account over to a management company. They ask me if they were a credit counseling agency or a debt consolidation agency. My response is " they do both, and I do not wish to speak with you further because I contacted your office in XXXX to try and help me lower my payment or rate and you refused to do anything at all '' and they state " I am sorry about that but now that you are behind we have things that we can offer you, however if you are working with a debt consolidation company we absolutely do not work with them we do not consolidate our debts and we will hire an attorney to come after you if the debt goes into default and the consolidation company offers us a settlement which we will take and then have the attorney come after you for the rest of the money owed at which point your credit will be ruined. I am angry with this attitude. I was a loyal customer who paid on time, and I attempted to negotiate with each of my credit accounts when I realized that my income was being adjusted temporarily. They all refused to work with me in any way XXXX, Capital One, XXXX, and XXXX. Now that I have updated my contact information with the phone number of the XXXX XXXX XXXX management company everyone including XXXX is calling me at phone numbers that are not longer listed on my account. I want a letter of apology from XXXX XXXX for their unfriendly attitude with consolidation debt companies, and an acknowledgement that they will work with them on my account! Capital One can provide you with the date and time of conversations that I had with the credit representatives in XXXX where I tried to communication with them of upcoming financial burdens and they absolutely refused to offer anything prior to my credit becoming ruined. I believe I was being a responsible consumer, and XXXX showed prejudice and turned their backs and now are threatening me with intimidation simply because XXXX XXXX XXXX XXXX not offer them all they money they want.
Consumer complaint received 2016-04-06
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I pulled my credit score through my XXXX card ( it was a feature they allow with their online services ). I noticed my credit score dropped XXXX XXXX points from around XXXX to around between XXXX & XXXX. I got worried and pulled my free credit report through XXXX and found out that my HELOC with Bank of America was reporting 60 days past due from XXXX and XXXX. I have always had stellar credit and had a few VERY SMALL medical collections show up through the years is all ( which by the way, medical collectors are notorious for reporting collections to your report immediately and should have to follow the same rules as banks since it is all financially related ). My ex-husband and I divorced back in XXXX of XXXX and I asked for Bank or America over the phone to add my mailing address to the mortgage account as well so I would be notified of any late pays prior to them reporting to my credit report to make sure there was nothing ever reported since my ex-husband was responsible for the monthly payment on this account. Well, I just found out they reported my information to the credit bureau and I was never notified so when I pulled my credit report I was shocked to find 60 days past due on my MORTGAGE! When I contacted Bank of America on XXXX XXXX, XXXX ; I spoke with XXXX, and was told Bank of America 's software can only take XXXX mailing address for them to mail anything to ; therefore, any co-borrower or guarantor or any other party to a loan will never receive notice of late pays. My ex-husband and I do not live together so any mail sent to the primary address will NEVER make it to me ; therefore, I was not properly notified of any late pays and was not notified prior to any adversity reported on my credit report. At this point, I am looking to sell my house, but I will now not qualify for a mortgage loan with a prime rate because there are late pays reported to my credit. Had I been notified, I would have made sure the payments were made on time.