davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-08
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Being sued by debt collector XXXX XXXX for a debt I did not even know about. I asked for verification and they sent a stack of paperwork from an account I did not open in XXXX or XXXX. My husband and I filed bankruptcy due to an auto accident in XXXX. I have only opened XXXX credit accounts in that time. Because I do not work and have bad credit. The paperwork they sent me has the wrong dates. Even my credit report says this debt was discharged in bankruptcy. Yet they are still taking me to court. Also the debt buyer company and original credit card company capital one started reporting on my credit report that I opened said account in XXXX. Yet I never had attempted to open any credit account in XXXX and underneath these XXXX reports it says may have discharged in bankruptcy.
Consumer complaint received 2015-12-22
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

she told me and did not give me her name that she can go after me for a 10 yer old debt. i tried to get it settled but the company refused payment told me i had to pay the whole amunt or esle. than sold the debt to another company. which calls me 5 times a day now even after i said no contact
Consumer complaint received 2016-02-16
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Loan Science, LLC (IL)

I currently am paying a private student loan with XXXX/Loan Science, previously XXXX XXXX XXXX, and was out of full-time employment for seven months. After multiple attempts, they were totally unwilling to not only adjust my payment at the very least, but they were also unwilling to allow a forbearance, or deferment. As a result I have not been able to make payments, and they are dinging my credit constantly, and calling my home and my step-fathers ( co-signer ) home all hours of the day. I looked at an overview of my payments and since 2013 out of {$5500.00} paid, only {$230.00} has gone to the principal, the rest to interest and fees, its really legalized robbery.
Consumer complaint received 2016-02-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

Went to settlement on my house XX/XX/XXXX. {$3100.00} was impounded at settlement to pay 2015 taxes on the property Mortgage went from Greentree to Ditech.Taxes were never paid.Amt.owed went to collection agency with a lien date XX/XX/XXXX.I have called Ditech for 3 weeks .They were researching the problem.The tax bill has not been paid now I 'm in danger of losing the house & my good credit has been damaged.
Consumer complaint received 2015-12-22
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (FL)

I have been totally hassled by the Gap Card credit card company 's Synchrony Bank. They called LITERALLY XXXX times, beginning at XXXX ON A SATURDAY, and then the calls continued throughout the week. They were instructed not to call back, and that payment was going to be made as soon as possible. I was barely late on XXXX payment, quickly got the account current directly thereafter, not even showing that I was late online. THEY STILL KEPT CALLING. Then, they called AFTER I made a payment, asking for a confirmation number for the payment THEY COULD SEE. Total harrassment. A total of XXXX calls from them IN LESS THAN ONE WEEK.
Consumer complaint received 2015-07-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Suttell, Hammer & White, P.S (WA)

Someone came to my home and served me with a " summons '' about a debt. When served a summons, the documents are supposed to be handed to the right party from my understanding, but these documents were handed to my roommate ( 3rd party ). Also, according to the FDCPA, sending documents that imitate actual court documents is in direct violation of debt collecting tactics. I 've checked my local courts for this case and nothing has shown up with my name and this may cause me to take legal action if necessary. 

I 'm not sure where this debt has come from, I thought it may have been something from college, but for the next year, my payments have been deferred.
Consumer complaint received 2016-03-18
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: NTFN INC. (LA)

Last XXXX I closed on a house I purchased using my VA home loan. Normally when your a second time VA home loan user you pay a VA funding fee. I used Premier Nationwide Lending for my home purchase. I sent my Certificate of Eligibility from the VA to my loan originator who put it in my package to build my loan. I also used my XXXX monthly income from the VA to get approved for the loan. I am XXXX by the VA. At closing I asked what was the XXXX dollar closing fee for the VA and my originator told me that it was a VA funding fee and that since it was my second time using the VA home loan I had to pay it. Fast forward to Monday of last week, I now work for a bank as a banker and I was talking to a former veteran also our mortgage guy for the bank I worked at. In passing we talked about my loan and proceeded to talk about how much I had to give the VA. My mortgage guy told me that since I was XXXX I should n't have paid that funding fee and showed me the VA reference guide saying that " while its true that second time VA users pay a funding fee, XXXX vets are exempt. I pulled my HUD my COE and sure enough I was exempt. Last Monday I contacted the loan originator I used at premier nationwide lending and complained to him and sent the documentation showing they made a big mistake. After a few days I texted him on Friday of last week and he said he would get back to me Monday or Tuesday this week. Well today is Thursday and I have had enough. This is a serious matter, I paid money I should n't have paid and now am paying interest on that money I should n't have paid, not to mention closing cost were built around the overall amount of the loan. I still have not heard from premier nationwide lending 's compliance, or even the loan originator unless I text or call him first. For me this is ridiculous and as a XXXX veteran it is very distressing to have this financial burden and uncertainty hanging over me and my family. I feel as if no one cares enough to keep me informed or to even let me know if this is being resolved. This is wrong whether it was intentionally done or unintentionally done. This loan is 30 years of my life and if I would not have caught this error I would have paid much more than XXXX dollars over 30 years. My loan currently cost more than my home would appraise for because of that funding fee. Please contact me immediately.
Consumer complaint received 2016-01-10
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (NY)

I took a cab ride with XXXX on XXXX XXXX, 2015. I added my XXXX credit card to my profile to pay for the ride. About a week ago I started receiving collection calls from " PayPal Credit/BillMeLater ''. I logged into my REGULAR NON-CREDIT PayPal account that I opened a few years prior and came to find out that they WITHOUT MY AUTHORIZATION opened a PayPal credit account in my name and charged the {$60.00} XXXX Ride to that account. I NEVER received ANY statements or cards in the mail. I NEVER got any calls before last week. I WAS NOT AWARE of any PayPal Credit account being opened NOR did I apply for one. All I did was take a cab home from the airport and THOUGHT I paid with my XXXX card. Now, they are trying to say I owe them over {$160.00} -- I 'm guessing the extra {$100.00} are late fees.
Consumer complaint received 2015-07-15
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

Since XXXX 2015, I have been sending in " extra '' principal money on a monthly basis, requesting specifically that the checks be applied to principal. However, Green Tree Services does not directly do this. They put the money in " unknown '' accounts and when I contact them about applying the checks to principal, they always say it will take anywhere from 7 to 10 days to do this. Also, a person named " XXXX '' assured me that " she is watching my account ( for months now ) to ensure these checks go straight to principal payments. This is totally false, because as of yesterday, this problem is still going on. All I want is for Green Tree to properly apply my checks to principal as requested.
Consumer complaint received 2016-02-12
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (CT)

I have been battling with Barclay Bank for almost a year, they have over-charged me on interest fees and late fees which are not valid. I can not seem to get anywhere with them and my balance never decreases. I have contacted them and I need immediate assistance with this.
Consumer complaint received 2015-07-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Rhode Island Student Loan Authority (NC)

I have been paying off my loan through the Rhode Island Student Loan Authority since XXXX, which is when I graduated from the University XXXX. Initially, I was paying $ XXXX/month, which was too much for me to handle, so I requested in XXXX that they lower it. They told me they could n't do that. 
In XXXX, I had to go into forbearance based on my income at the time. When that forbearance term ended, my payment had magically become $ XXXX/month with no indication as to why that happened. 
I found out today ( XXXX/XXXX/XXXX ) that they lowered it because of my forbearance term and that they could n't decrease my monthly payment any further. The person told me that 's because they can not extend the life of the loan behind 15 years. 
Basically, I do n't understand how they could n't lower my payment 5 years ago, but then they magically could a few years later. This is absurd and I can not handle paying $ XXXX/month right now.
Consumer complaint received 2016-02-14
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (VA)

On XXXX XXXX, 2016, a check in the of {$1900.00} was mailed to Barclaycard. As of today, XXXX XXXX, 2016, this payment has not posted to my Barclaycard account. My bank account has been debited for the check 's amount. XXXX XXXX XXXX XXXX XXXX has provided me with a copy of the front and back of the check, which shows it was deposited into a XXXX XXXX account owned by Barclaycard.
Consumer complaint received 2016-02-15
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One thru XXXX has been garnishing my wages for a debt that is well over 7 years old. They have violated my rights under the FDCPA Fair debt collection act. In XXXX XXXX, XXXX Capital One had a Civil Action against me. XXXX, XXXX XXXX XXXX filed it on Capital One 's behalf of a credit card debt of around {$1000.00} ( I dont know the true balance ) in XXXX County Oklahoma. I was never informed of this court hearing. I found out when on XXXX/XXXX/XXXX when Capital One started garnishing my wages at XXXX % per paycheck. The paperwork was supplied by my employers, not Capital One or XXXX, XXXX XXXX XXXX. That was when I contacted XXXX Co Courthouse for documents of the Civil Action. The balace of the bill was {$4800.00}. That was about XXXX times the accual amount of the bill. Then I moved from Oklahoma to Florida in XXXX XXXX due to the tornadoes destorying my home. 
In a new job in Florida I was yet again getting my wages garnished on XXXX/XXXX/XXXX. Capital One again thru XXXX, XXXX XXXX XXXX was garnishing wages at XXXX %. I called Capital One and they told me I would have to contact the lawer firm handleing the case. I called XXXX, XXXX and XXXX and tried to settle the case due to financially difficulties I was having. I was informed that they would not settle and if I didnt pay the full amount they could go to court and get me to pay more money than I owed. XXXX, XXXX XXXX XXXX didnt record my phone call and the woman I was speaking with refuse to tell me her name. She was cussing at me and telling me the firm and Capital One owned me and they could do what ever they wanted to get payment, the court was on thier side. About 4 months later I was contacted by XXXX, XXXX and XXXX about settleing the debt. The man stated he was authrized to allow the amount garnished to be enough to settle the debt. He would be sending me a letter in the mail stating the debt was settled and considered paid in full. The letter never came. I tried to contact XXXX, XXXX and XXXX at the phone number he provided and it was disconnected. Then called the phone number on all the papwork and was hung up on. Then on XXXX/XXXX/XXXX Capital One allowed XXXX, XXXX and XXXX to garnish my bank account. They took {$1000.00}. 
Captial One and XXXX, XXXX and XXXX has never once contacted me on any of the court cases against me. XXXX has XXXX County Court house where the judgements are coming from. The debt is well over 7 years old and doesnt even show up on my credit report anymore. Plus the fact that they settled with me and yet still coming for money and the XXXX Co Court is letting them. I know now that Capital Once and XXXX, XXXX and XXXX lied to me about the settlement as I have never gotten the promised settlement letter.
Consumer complaint received 2016-01-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I am in an active modification review with my lender Ocwen, as of XXXX/XXXX/2016 I was informed that additional documents were needed and was informed from XXXX ID # XXXX that the sale currently set for XXXX/XXXX/2016 was ON HOLD pending further documents in which was faxed over on XXXX/XXXX/2016. Now after following up with the lender I am informed the sale is in fact active and they are proceeding tomorrow XXXX/XXXX/2016 at XXXX XXXX leaving me no option but to file an emergency bankruptcy.
Consumer complaint received 2015-11-07
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (NC)

I have a HH Gregg credit card account and thought that I have been making on time payments since I pay on the due date, which is the seventh, of each month. I noticed that my balance was not reducing in the last few months and that the minimum payment fluctuated tremendously. I spoke with a customer service agent who told me that I was being charge a {$38.00} dollar late fee for paying on the due date, and there were XXXX charges of this on my account. The representative removed the last charge but refused to discard the other charges. I was told that the payment had to be paid two days in advance of the due date in order to be considered on time. I told them that there was no notification of this through their automated system or on the statement, and I have never heard of such a policy with any other company. The representative continued to state the same thing and left me no recourse to resolve this, even after I requested to speak with a supervisor.
Consumer complaint received 2015-12-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

CASE # XXXX. 
Portfolio Recovery has not called me for a while but has but has started again about a debt that I do n't owe. The most recent numbers that they are harassing me from are ; XXXX on XXXX/XXXX/15 XXXX and XXXX XXXX/XXXX/15 at XXXX. I have blocked XXXX phone numbers that have called at all hours of the day and night, most are from portfolio recovery. I do n't want them calling me a XXXX times a week as they did earlier this year to threaten to kill me if I do n't pay.
Consumer complaint received 2015-11-06
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

We were on time, every month with our mortgage. OCWEN began taking our additional monthly payments and putting them into a " suspense account '' rather than paying down our principal. When they would not pay down our principal, I asked OCWEN to apply my extra payments towards next month invoice. They said they would, but they never did. All additional principal payments never went to principal, but into suspense account. The math became impossible to understand. We never missed a payment, now OCWEN says we are six months behind! And we never missed a payment. They assigned us a " relationship manager '' as an advocate of Ombudsman Department but they never return calls or emails. Its a scam! Now they have a lawyer calling us and they stopped accepting regular monthly payments. They forced us into foreclosure and our perfect credit reports now have XXXX late payments and our scores went from XXXX to XXXX and dropping! Our loan officer says we can not qualify for a mortgage now. Many states, including California have fined them XXXX of dollars for mishandling loans, but they are still in business and they should not be. Remember, politicians take lobby money to protect big business. Only in numbers can the people prevail. Submit your complaint now and be heard!
Consumer complaint received 2015-12-23
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I contacted Capitol One so that i could do a balance transfer for {$6000.00} from another card. I had a credit limit of {$4000.00} and was calling to ask for a {$2000.00} credit limit increase. I was told by the representative that i needed to complete a request online. I completed the online request and a few days later received a denial notice stating that there was no recent payment history ( account is 14 years old ). I called Capitol One to speak to a representative about the denial since I have the account for XXXX years and my credit score is XXXX and my income is {$100000.00} annually. The representative told me i could try again, so i asked for a Supervisor whom also told me to try again. I advised the supervisor that my other credit card accounts have much less time and i have much higher limits, so if its not a credit nor salary problem then why could n't Capitol One accommodate my request since i have XXXX years history? The supervisor told me to try again and left no explanation. I advised the Supervisor i wanted to cancel my card if Capitol one could n't accommodate my request without a decent explanation. The supervisor in a condescending matter advised me as if it were a threat that the account would be reported reflect closed by consumer. At which point i ended the phone call. This is the worst customer service i have ever seen by a credit card company. Its quite clear Capitol One prefers online customer service transaction verses speaking with a live representative. Its also clear that good credit, income and 14 year history mean nothing to Capitol One.
Consumer complaint received 2015-11-06
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

Portfolio Recovery Associates say that I owe them several debts. I did not agree nor did I sign a contact with them at any time. I have sent Portfolio Recovery Ass several debt validation letters and they have failed to provide me with adequate documents and a signed contract from myself stating that I agreed to pay them this alleged debt. Since Porfolio Recovery Associates can not provide this information I wish to have all of their negative remarks removed from all XXXX credit reporting agencies that is affecting my credit score.
Consumer complaint received 2015-09-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION (TX)

My Regions Checking acct was compromised recently and about XXXX transactions took place within 3 day period that I did n't know about until about two days ago. I am in the process of buying my first home. I have been approved for a mortgage and I found a house and I have just wrote the first XXXX checks toward the purchase. XXXX for {$100.00}, the option period money. and the second for {$1000.00}, the earnest money. These are the first checks I have written out of this Regions checking account as well. Now that the account has been totally emptied my checks are going to bounce for insufficient funds, even though I called the bank to tell them about the frad, they said I could n't do anything untill all the transactions had posted to the account, and then I would have to go into a branch as fill out something and then it would take about 10 days for them to investigate the claim and after that I would have access to my funds again. The checks are going to bounce by then. Not only will I lose the house, bu the seller can sue me as well. 
I tried to explain this to the bank, and reminding them that if they followed the electronic transfer act that I was by law entitled to get the funds involved in the dispute put back into the account for my use while they investigate the claim. They wo n't do any such thing. They are not seeming to understand the seriousness of these XXXX checks. They said if they are returned then the merchant may represent them. Its not even that kind of transaction. This is to go into an escrow account to purchase a home. I ca n't seem to get them to move and even get started with the dispute. I am very angry and disappointed with the customer service and procedures this bank takes for helping people that have been a victim of fraud. I do n't know what to do.
Consumer complaint received 2016-01-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (NY)

I have had a mortgage with XXXX XXXX for 20 years with no problem. 
Two months ago it was sold to Shellpoint Mortgage. They have not paid my real estate taxes with my escrow account. The town sent me a letter stating taxes were not received and I will get a 1 % penalty for late taxes. Also Shellpoint said they never received my XXXX payment. 
My XXXX account has me making the payment on XXXX XXXX of last year. Today I got a statement for last months mortgage payment and this months payment with a penalty for being late. Shellpoint states they paid taxes on the taxes on XXXX XXXX. The town said they have received nothing. No one at at Shellpoint returns phone calls to help rectify the problem.
Consumer complaint received 2015-12-22
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I filed a complaint about not being allowed to stay in my hotel room XXXX night while in XXXX, XXXX. I was clear that I was allowed to stay the other nights, but the final night I had to get another hotel because the security guard would not allow me to enter. I have repeatedly provided information about this to Capital One. They came back and said that I did check in to the hotel. I did, but was not allowed to stay XXXX of the nights. XXXX, the partial refund request XXXX the hotel refused XXXX. 

Once again, Capital One is asking for this same information. Their own contract says I am protected against services not being provided, but instead of doing that they are deliberately making me provide the same information repeatedly and trying to wear me down. I am tired of this. I just want the partial credit. They keep deliberately messing this up and confounding the information. 

Even when I told them to cancel the account because I am sick of this XXXX they refused!!! How can they refused to close my account? It just baffles me that they act this way. Where are my protections?